Stella was heartbroken when her car was stolen. Not only did she depend on it to get to work and take her kids to school, but it had sentimental value as well — she inherited the car when her grandmother passed away. Stella reported the car as stolen to local law enforcement and to her insurance company. After several weeks, her insurance company declared the stolen car a total loss. She sent the title in and was paid out for the value of the car, which was only $5,000 because the car was about 15 years o ...