Hypothetical: Let's suppose that I am at fault in a collision that results in major damage to your new car. My insurance company pays $15,000 to the body shop that repairs your car and pays $1,500 to the car rental company that provided you a car while your car was being repaired. Suppose that you decide to trade the car and are then informed by the dealer that your car lost $5,000 in trade-in allowance because it was in a wreck. What might you do if you trade or if you don't?