I don’t understand how cars are valued. Or how insurance companies decide to pay for them. My mom’s car was totaled a couple weeks ago while it was sitting in front of the house. She just got the insurance money and it was less than the Kelly Blue Book value (apparently insurance companies use some other system to determine value) but I’m a little offended. She takes care of her car in a way most people don’t. She gets every single suggested maintenance thing done, she had well under 40k mi on the car and she used to joke about how she got the 30k mi warranty instead of the 100k mi warranty on her tires because she figured she would die before the mileage warranty ran out on them (mom’s got a morbid streak). Did I mention that no eating is done in the car – ever? Fast food is brought all the way home and eaten at home (I just don’t have the will power to wait for the french fries). I’m thinking that instead of car insurance paying you for what they think your car is worth, they should replace it with one of comparable quality cuz right now she can’t get a car with as few miles as she had and the maintenance history she had without having to look pretty long and hard. Even if she found one, it would likely be more than she got from the insurance. Can you tell I really liked her car?