Check out this galant accident. Options

[KOU In3]

I'll use my car as an example, i payed 16K for it, but it's worth closer to 22. If someone wrecked my car and only payed me 16K i couldn't replace my car

An interesting point. I suppose there are two schools of thought there.

One is that if you were able to track down the deal for $16K you could duplicate the feat and find another one. Most of us find 'good' deals and are able to repeat the process. I've heard some say that there are thousands of deals out there and that they run across them eveyday.

The other school of thought is why 'book' value exists. I believe most would go to kbb and establish value from there to see if your 22K vs 16K was actually the case.

Given a case like Kapoosh's Audi with that much time elapsing, I would imagine most would go straight to book value. However, if Kapoosh was just leaving the dealership, I would imagine they might just look at the hours old receipt and put you back where you were at the start of the day with a reimbursement of purchase price.

Just my musings there though, I'm not certain and it might very well vary from adjuster to adjuster.