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10ga,Sorry to hear about your accident. My insurance company let me add extra coverage to mods for $150 a year. They had me send them a detailed list of the cost of each mod. My guy said they will depreciate some but I would be a lot happier if something happens and it gets totaled.
I think you have the same rear bumper I have, TJM?
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I'd wager that the buy back price is a lot more than what people might be thinking.. To buy it back from insurance would be between $7-9k I bet.