- THE EXTRA MILE: Totaled, Undervalued, or Both? What Insurance Won’t Tell You. (2-7-26)

Drive Radio: The Extra Mile pulls back the curtain on what really happens after an accident—and why so many drivers unknowingly leave thousands of dollars on the table. Host John Rush is joined by Burke Payne (https://www.bpautoappraisals.com/), who explains how insurance valuations often fall short, especially for total losses and diminished-value claims. Are computer algorithms and rushed settlements quietly costing you money? And why are middle-of-the-road daily drivers sometimes hit harder than classics or exotics? Burke walks listeners through how total-loss valuations work, why direct deposits can lock you into a bad deal, and how invoking the appraisal clause shifts the battle away from the car owner and onto an expert who understands the system. The conversation then dives into diminished value—why a perfectly repaired vehicle is still worth less the moment an accident appears on its history, and when it’s worth fighting back. The hour wraps with a candid look at the classic and collector car market, including insights from recent auctions, shifting demand, aging collectors, and why waiting too long to sell can erase real value. From estate planning to insurance coverage to smart timing in a volatile market, this episode asks a critical question: do you actually know what your vehicle—or collection—is worth right now? If you’ve ever been in an accident, own a specialty vehicle, or expect to inherit one, this is a must-listen.