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The amount the insured and company agree to at the policy inception date. That is, if a vehicle is written at a $10,000 value, $10,000 will be paid in the event of a total loss.
A total loss is adjusted to the lesser of:
Stated value coverage accounts for any depreciation which might occur during the policy term. Newer vehicles which cannot yet be considered classic autos based on age are generally written on a stated value basis.