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In this case, if the car is not recovered, the insurance company will take into consideration the book value of the vehicle, any modifications made such as rims, stereo equipment, and repairs made (WITH receipts only) and offer you a settlement. Please keep in mind that this is non-negotiable considering they did not have the opportunity to inspect the vehicle. Speak to the adjuster asap.

2006-09-12 16:48:21
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Q: What is covered if your vehicle is stolen before you have your insurance inspection?
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