If your vehicle is 'totaled,' and you are using your comprehensive or collision coverages, your insurance company will only pay for your vehicle's actual cash value for which they are responsible. They will not pay for any pre-existing damage. This pre-existing damage should be compensated to you when you purchase the vehicle. In other words, you probably spent $1,500 less to purchase the vehicle than you could have spent if there were no previous dents.

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