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What are the limits of what an insurance company pays when a car is totaled?

Question Details: My car was sitting in driveway, not running. A car that was driving by had a wheel come off and strike my car. The insurance company says that my car is totaled and is offering an amount $2500 less than the blue book value. They say the driver's policy only pays up to $5000 for this type of accident. Is this right? Do I just have to eat the big loss of value?

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