Not here in the UK! If your car is totalled here, even if you have so-called "Comprehensive" cover ( which means damage to your own car is covered by insurance if the accident was your own fault) insurance only pays "trade" value. You have the option to purchase separate "Gap" cover which pays out the difference between insurance trade valuation and invoice price when car purchased. 


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Everybody is a genius. But if you judge a fish by its ability to climb a tree it will live its whole life believing that it is stupid. - Albert Einstein

Porsche 997 Carrera S PDK Aqua Blue / Black - Toyota Yaris D4D  "Clockwork Rat"