My beef is that the state will say your vehicle is worth one amount and tax you based on that, while your insurance company will say you vehicle is worth much less than that if they total it and have to cut you a check.

If the state says your rig is worth 12K, they should also REQUIRE your insurer to pay you that amount if your rig is totaled.
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She was standin' alone over by the juke box, like she'd something to sell.
I said "baby, what's the goin' price?" She told me to go to hell.

Bon Scott - Shot Down in Flames