decisions. thank you for championi for . i ll joined by keith ellison. you drop 40 grand on a new set of wheels, then. wham! a minivan t-bones you. guess what: your insurance company will only give you 37-thousand to replace it. depreciation they claim. how can my car depreciate before it s first oil change? you ask. maybe the better question is, why do you have that insurance company? with liberty mutual new car replacement,