How do you figure?
Originally Posted by tturedraider
Nope, not the law anywhere.
However, the amount the OP should be paid by the insurance company is the full MSRP of his car regardless of the actual price he paid.
The only thing he should be paid is "actual cash value"... what amount that represents is up for debate, but it's not going to be MSRP once he drives the car off the lot. In particular, it's last year's model since a "new" car right now is a 2013.
Value will be based on what the selling prices are for similar cars in the market, but that won't be MSRP. Insurance company can search listings within a given radius of the OP (either used cars with similar mileage, or leftover 2012s) and see what the dealers would sell them the car for.
2013 BMW 335xi Sedan
Estoril Blue / Black Leather
6MT, M-Sport, Premium Pkg, Cold Weather Pkg, Dynamic Handling Pkg, Tech Pkg, HK Sound, M Performance Exhaust, M Performance Power Kit
Former: 2011 335xi Coupe -- 2009 MCS JCW -- 2006 MZ4 -- 2002 325i -- 1997 318ti -- 1991 318i