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Remember that Ford Model A stolen from a Willow Valley, Pa., resident this summer and recovered a few weeks ago? The one where the insurance company had, shortly before its recovery, settled for $20,000? The one where if one-time owner …

When and whether a vehicle involved in a collision is considered to be “totaled” for first-party insurance purposes is an issue of great angst and confusion for most consumers. We hear horror stories about older, functioning automobiles being “totaled” simply …