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You should expect to get the amount necessary to purchase a similar car in similar condition inclusive of taxes and registration fees. If you owe more on your totalled car than what it is worth you are still obligated to the finance company for the balance of the loan.

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Q: Is it possible to get more than the blue book value of a totaled car if the insurance company offered 6k but you need 10000 to pay 10 percent in taxes plus finance costs for a new car?
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