Originally Posted by
TheVoices
For example, if a 'nearly new' vehicle was stolen with keys and recovered undamaged, the insurer may choose to pay out on the car if the owner kicks up enough of a fuss and won't have it back.
So if your car is stolen and then returned in perfect condition and your insurers decide not to pay anything then you straight away have lost 30-50% of its value. Do you not get a payment for how much the car has been devalued?