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I think I'm having problems with words (not unusual). The value of the car was listed at $20,000. I was told they will only cover 70% of the value. If the cost to repair is over 70% of the value then they consider it totaled. I'm sorry I have not been explaining this clearly. I don't have any problem with Hagerty. They worked with me and when the decision was made the check was in the mail. I guess I should have read the fine print closer. The bottom line is it is over.

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