You said it... Actuaries. Our business is shifting big time, because of the risk distribution. Actuaries pull numbers out of thin air for us, but it works 😉

Is that you Jack?

Dependant on the market, but yes! More and more they are disposable.

No, it was a structural total loss, not an economical total loss. Many vehicles, just like baby humans have a "soft spot". 

And in others (mine) you factor in the cost of towing & storage (towards the ACV of the vehicle) to determine the reparability... We fix cars worth 35k when the total paid out is 45 or 50k.

You’re an idiot.

So.... You under wrote the article that you linked to?