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    #1 What was the KBB value of your car before the accident? #2 Did you check the VIN on your alleged car? #3 "Sticker price of $18K" does not mean "sale price of $18K".
    – RonJohn
    Commented Aug 9, 2021 at 14:48
  • 47
    "Totalled" also doesn't mean undriveable. It just means the cost to repair (if possible) is more than the value of the car. Your insurance company is within its rights to pay you the value of the car and move on. You probably could have kept driving, but you'd have to find someone else to insure it (and that someone else would absolutely want to know about the tree that may have damaged the frame beyond safe repair).
    – chepner
    Commented Aug 9, 2021 at 14:54
  • 8
    Even if it is your car, just because they are selling it doesn't mean they should be selling it. (My parents once bought a used car that developed engine problems in under a year. Their mechanic discovered sand in the engine, and a title search revealed the car had been in New Orleans during Hurricane Katrina.)
    – chepner
    Commented Aug 9, 2021 at 14:56
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    Did you get an estimate on the repairs? Do you know for sure it was only a few thousand dollars? This doesn't at all feel like a scam to me.
    – JohnFx
    Commented Aug 9, 2021 at 15:26
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    @David258 The used car market is insane right now in the US for a variety of pandemic-related reasons, so stuff is actually selling for higher than I would normally expect. google.com/search?q=us+used+car+shortage Commented Aug 10, 2021 at 15:46