Posted On: August 27, 2007, 2:40 pm CDT

Posted By: Anon

Another thing to consider:

Check NADA prices on any car you own:
http://www.nada.com

Check Kelly Blue Book on the same car:
http://www.kbb.com

Now quote the exact same car with a major accident repaired by a certified technician using all OEM parts.

Now do a quote, again on the same car, but this time do a minor accident repaired using reconditioned parts installed by a rabid weasel.

Did you notice something? There's no fields on either site to calculate for diminiushed value. That's because the condition, mileage, zip code, etc are real calculations to determine the car's actual cash value, not accidents. An poor repairs affects the condition of the vehicle, a proper repair affect an imaginary, percieved (and uninsurable) value.