At the time of the March 1978 rear-end accident out of which this case arises, plaintiff's 1972 Ford LTD automobile would have been worth $1,225 had it been undamaged. But it had damage to its rear end, appraised at $1,227 in December 1976. In December 1976 the value of the car was $1,825 and plaintiff requested of her then insurer, but was refused, settlement as for a total loss. The car was usable, and...
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