Sorry to hear about your unfortunate accident/situation. Like many owners I added my Xfire onto my existing auto policy when first purchased. Several months later I called the Insurance company with an unrelated question; it was during that call I decided to ask what the replacement value was just in case a situation similar to yours occurred. The payout was terrible. I did research to see how the figure quoted was determined and arrived at the exact same figure as the insurance company! I don't recall just what I did without some research and it really doesn't matter; the point is the insurance companies are not going to pay out the vehicle's value nor replace it. Because of this stark realization I went insurance shopping. For less money than I was paying thru my carrier (USAA with home/autos/etc all bundled which should have made it cheaper) I found several carriers which allow you to set the value (replacement) with the premium based on that figure(a policy with an "agreed-value"). I posted this information on 6/20/20 in another thread: https://www.crossfireforum.org/forum...tml#post943308 I hope many of you will consider reviewing your coverage and protect your investment. Each carrier offers different combinations of coverage. I have been with Hagerty since 2017 and very pleased with their services. There are many to choose from, just decide what fits your lifestyle. I have peace of mind knowing the exact amount of money I will be paid if my SRT is 'totaled'.

The following link provides excellent info on the various insurance providers:

https://www.valuepenguin.com/best-cl...-car-insurance