Houck - Seward Agency
1940 Eggert Road
Amherst, New York 14226
Phone: (716) 835-2525
Fax: (716) 835-7808
When damages to a vehicle exceed the actual cash value. In a loss covered by insurance, the insurance company would normally make a payment equal to the vehicle's actual cash value and would retain the salvage rights (i.e., keep the 'totaled' vehicle).
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