The Rebuilt Wrecks Insured Like They Were Never Wrecked

5 vehicles have a salvage record (a prior total-loss claim) dated before their current policy started, yet all 5 policies mark salvage_disclosed = false and insure the vehicle at full, undiscounted value — $115,600.00 in exposure the insurer never should have carried. All 5 were written by the same agent, AGT-19, who should have caught the VIN history. VIN-LEGIT-01 also has a salvage record before its policy, but that policy correctly marks salvage_disclosed = true and insures it at a discounted $11,200.00 — properly handled, not fraud.