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its my pleasure to welcome you to the Clark Howard Show where our mission is to serve you and Empower you so you make better financial decisions in your life if youre a regular this show you already know what today is Clark stinks day Im also going to talk about something I touched on in a question recently financing a car there are some really important statistics you need to know when it comes time for you to buy a new or used vehicle but first its time for you to let me know where you feel I missed the Mark or left you down okay well start with this one Clark mentioned on the show about having replacement costs on your insurance policy I think some people dont real what they dont realize is that you have to repurchase the items and submit a receipt and then the insurance company will reimburse the difference between the replacement cost and the depreciated value the insurance company will not just eliminate the depreciation for your claim Richard Richard thank you I should p