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You didn't expect it. The accident happened, your car was towed, and now your insurance company is telling you it's a total loss — and here's their check. The number they're offering doesn't come close to what your vehicle was actually worth. Now you're facing a gap between what they're paying and what you actually need to replace it. This happens every day across Tennessee, and most people accept that first offer because they don't know they have options. You do. Here's what