A Tesla Cybertruck owner shares his truck was totaled after it was sideswiped by an E-scooter. However, the insurance company is only offering to pay him a “fair market price” of $77K, even though he paid $198K for the truck and still owes the bank $171K.
I dunno how likely it is to find a peer-reviewed article about this. It’s not like “cybertruck owner made horribly bad financial decision” is breaking news, it’s just the status quo.