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Nope. All my experience is on the loss side of the register. And a solid understanding of how my insurance policy(s) work(s).

Since you and I can't sell our cars for full retail - would you pay the same cost for a used car in someone’s driveway versus at a dealership (I know I wouldn't) - insurance companies don't want to incentivize their insureds to report losses if they stand a chance of realizing a greater financial gain versus selling their car in the (private seller or wholesale) marketplace.