If Sue agrees on a valued insurance policy of $85,000 for her antique car and it is destroyed three years later, how much can she expect to receive from her insurer?

When Sue agrees to a valued insurance policy of $85,000 for her antique car, this amount represents the pre-determined value of the car that the insurer will pay in the event of a total loss, such as complete destruction of the vehicle. Since the policy explicitly states that the car is valued at $85,000, this figure becomes the maximum payout the insurer is obligated to provide upon the occurrence of a total loss.

In this scenario, when the antique car is destroyed three years later, Sue can expect to receive the full agreed amount of $85,000 from her insurer. Valued policies are designed to alleviate disputes over the amount payable in the event of a loss, as both parties have already agreed upon the value beforehand.