Thanks folks.

I have Collision, Comp, Bodily Injury, Uninsured Veh (won't apply), and Tow Coverage.

So, I'm sure the car is covered. I don't think it's replacement value, but I am looking for the policy to find that out for sure. I think it's ACV.

Of course, the rub is determining what ACV is. KBB and NADA aren't even close to what it would actually cost to replace the car. And, since these things are getting older (mine's an '05 3.0) values are all over the place.

There is a Suzuki dealer near me that offers what they call "cash deals". They pick up a car at auction, and sell it cheap. I went to look at an E46 they had as a $5k cash deal, and it was trashed - could not believe a real dealer would even offer that car. Drove a Volvo they had, and it stalled on the drive, and gushed oil everywhere. Had to be rescued.

So, if they use that as a comp, I'll have to discredit it, because their "cash deals" are garbage. Outside of that, they seem to range from around 6-9k.

Really, I just want most of enough to get a replacement. That way, I can have all the fun I've been having over the past few months, all over again.

up - that is a truly funny story on the Lotus.