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well, they won't generally 'get you a new car', assuming the vehicle is deemed a total loss, and in your scenrio it would take A LOT of damage, they will owe the actual cash value of the vehicle, (man, the depreciation once it leaves the lot really sucks i know).......some company's (the one i work for) offer a service where they will locate the type of vehicle you want at a discounted price if your's is totaled, all company's don't offer this however, is just a service they came up with.....

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Q: If your car is brand new with only 400 miles on it and it cost 27000 dollars what are the possibilities and circumstances in which your insurance company will get you a new car?
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