I agree. Look up book value and start from there. What he paid has little to do with what the insurance company legally owes. If he got hosed on the purchase price that's not the insurance company's problem. If he got the BIL deal on the car that's none of their business either.
I have one car that if it was totaled I would make out like a bandit - my wife has driven her van for two years and its book value has finally come down to what I paid for it. But I would lose out on my car. I bought a 2002 Taurus two years ago with only 35K miles on it - I knew the owner and I knew it was in perfect shape. I overpaid because of the mileage and condition but today it has 90K on it without dollar spent at a shop on it. The book on it is probably $1800 at best but I couldn't replace it with a car I would trust like I trust it for twice that.
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Today's Featured Article - A Brief History of Tractors in Australia - by Bob Kavanagh. After Captain Cook's exploration of the east coast in 1770 the British Government decided to establish a penal colony in Australia. The first fleet arrived in 1788 and consisted mainly of convicts who were poorly equipped and new little of farming techniques. The colony remained far from self-supporting and it was not until the early 1800's that things started to improve. Free settlers started to arrive, they followed the explorers across the mountains and where land was suitable set up farms. T
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