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This is Massachusetts.. Read Your Policies.. Unless you have the vehicle Insured for a Stated Amount, (which costs extra), you are only insured for ACV.. Actual Cash Value, less your deductible.. you will not find this number in Kelly or NADA.. It is close to "wholesale" in some of the appraisal books..from what I have seen.
Sucks.. Good Luck fighting it.. I think MAC went thru this not long ago...
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