The maximum you'd be entitled to is the "value" of an 18-yr old truck with a dead engine, after the deductible. http://sfbay.craigslist.org/eby/cto/3708157601.html Don't try to claim for the engine; that's what prisons are for. But put in the claim, don't get your hopes up and good luck.

How many other people out there are paying $1,000/year (or more) for collision coverage on an 18-yr old truck?

 

I said to put the engine back in for the salvage value of the vehicle. A vehicles total value is based off the value of the components of a vehicle. An incomplete vehicle is worth less. Nothing illegal about it. The truck is totaled if a claim is made. No way around it.

 

It's worth being careful with your wording; people only know what you say, not necessarily what you mean. Your first post almost sounds like you were advising to tell the adjuster something that was not true. Which, if done, could be called "lying."