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Had a 2009 Yamaha side by side with enclosed cab, 1-year-old Camso tracks $5200.00 +900.00 2-way radio, winch, fire ex, ridged lights front and back and heater only 3200km, mint condition. Replacement cost is approx 14500.00. They have offered me 10000.00 - what a joke. Their appraisers have no clue what they are appraising! Stay clear. I’m filing a disputed claim. These guys are crooks.