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<p>[QUOTE=&quot;kemosabi49, post: 11733996, member: 105093&quot;]OOIDA is not any different than any other insurance carrier. You insure you truck for the amount it is worth. If wrecked, they will pay out the ACV, that&#039;s Actual Cash Value, up to the limit of your policy. But say you are paying for $100,000 physical damage insurance and your truck is really only worth $50,000, you will only the 50K. That&#039;s one reason you should get with your agent annually and adjust the insurance to reflect the value of your truck.[/QUOTE]</p><p><br /></p>

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