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Red-2019-Lexus-RC You may not recover the full value of your new car if it’s totaled. (Photo: Lexusnewsroom.com)

You spent weeks looking at reports and ratings online and visiting various dealerships before deciding on what make and model of new car you want. You’ve had your old car for almost 20 years, and it had well over 200,000 miles on it, so it was time for a change. You finally decided on a bright red, sporty Lexus RC F coupe. The kids are out of the house, but it does have back seats for passengers in a pinch. You love it. You look for places to go so you can zip around in your hot little red car.

You’re driving around town one day and BAM! A speeding truck hits you. A dump truck, in fact, and it totals your beautiful little red car. You’re heartbroken and a little sore, but otherwise uninjured thanks to your seat belt and airbags. After you fill out the police report, you file a claim with your insurance company, which provides you with a rental car. Now, you wait for the carrier to pay off your loan so you can get a new car. However, when you mention that to a neighbor who is an adjuster for another company, he gets a funny look and changes the subject. That is how it works, isn’t it? Well, it depends.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Managing Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over twenty-five years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Before joining FC&S, Christine worked as an Underwriting Supervisor for Maryland Auto Insurance Fund, and as Senior Underwriter/Underwriter for companies Montgomery Mutual, Old American, Charter Group, and Nationwide. The publications Christine has written or edited include Personal Lines Unlocked: The Key to Personal Lines Underwriting, Personal Lines Endorsements Coverage Guide, Commercial Flood Insurance Coverage Guide, Personal Flood Insurance Coverage Guide, Homeowners Personal Lines Coverage Guide 5th Edition, Personal Umbrella Coverage Guide 2nd Edition, and Condominium Coverage Guide 2nd Edition, all published by the National Underwriter Company. Christine regularly writes for Claims Magazine and National Underwriter Magazine. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter. Christine graduated cum laude from Towson University, Maryland, with a degree in Sociology/Psychology with a concentration in Gerontology.

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