If Sue's antique car is valued at $85,000 and is destroyed, how much can she expect her insurer to pay?

In this scenario, the insurer is typically obligated to pay the policy limit or the actual cash value of the car, depending on the terms of the insurance policy. Since the antique car is valued at $85,000, and assuming her policy covers the full value of the car without any depreciation or specific limits, Sue can expect her insurer to pay the full insured value, which is $85,000.

The amount reflects the fair market value that the insurer would have to cover to replace the car with a similar one of equal value. Insurance policies often state that in case of total loss, they will pay up to the agreed amount or the actual value at the time of loss, whichever is applicable. In this case, since the valuation aligns with the loss, Sue would receive the anticipated payout of $85,000.