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what a way to lose a car - any insurance tips? 200 1989

My wagon went up in flames in the driveway at 5:00 this morning. Block heater is on timer to start at 4:30 so I am guessing it shorted out. To quote my son: "I hate the smell of Volvo in the morning".

So I'm wondering what would be the value?
Fire restricted to forward of firewall, but that is all gone. I don't want to make it a project car.

'89 240 wagon 5 spd, 487,000 km
good body - no rust, it has been rust checked every year.
I was getting ready to paint it this summer, usual seat problems also
IPD sways,
VX3 cam,
new exhaust cat back at Christmas,
new rear brakes caliper and rotor 2 wks ago(well, one side, the other is still in the box)
new DJ Auto e-codes also are still in the box waiting installation.

Any suggestions before I tackle the insce adjuster?

By the way I'm in Toronto area.






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