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Please don't misunderstand...I am not trying to "rip off" the insurance company. I am to go out and buy the computer and then send them the reciept. I told them that a new one cost $1999 and that I had an extra gig of ram in the old one that would probably cost $150 extra. So basically I have around $2100 to play with. After the education discount, it would probably only cost me around $100 or so to upgrade to the 2.33 model from the 2.16 model using the "quote" I gave them. I want to get what I can. But it isn't like they are going to send me a check for $2100 and then I just buy what ever and I pocket the rest. If I found the computer for $1000, that is what I will be reimbursed for. If you saw how bad the accident was, they are just happy there aren't lawyers calling with phantom neck pains.
 
Don't you need to get the equivalent model MBP? I mean, if you bought the low-end MBP the first time, then you should be buying it the 2nd time as well.

Anyway, since insurance is paying and won't know the difference other than that you spent $1999 on your MBP, I still don't think you can buy anything other than the MBP and the RAM you declared.

I don't think insurance companies care about what you do with the money you get from them. They care about the amount of money they have to pay beeing not more than the insured damage done (for example if someone claims a damage of $2500 for a laptop which was only $2000 when it was bought).

That said, I never had to deal with one myself. So I don't know for sure.
 
Apple has improved the MBP's since the one's your daughter had. For example, with C2D released, the MBP's got double the RAM. Therefore, you can get the better MBP for the original price you paid. Apple has increased what you get for the same price, so you should use that declared value and get the better model for that price now.
 
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