Reclaiming a totaled vehicle. Most insurers allow owners to retain a totaled vehicle. In this case, you could collect the car's actual cash value minus your insurance deductible and any salvage value your insurance company forfeits by returning the car to you.
Amendment XVI. The Sixteenth Amendment, approved by Congress in 1909 and ratified in 1913, made it possible for Congress to enact an income tax without having to worry about whether, under the rules applicable to direct taxes, the tax had to be apportioned among the states on the basis of population.
The Court declared that the Fifteenth Amendment commands that the right to vote shall not be denied or abridged on account of race or color, and it gives Congress the power to enforce that command. The Amendment is not designed to punish for the past; its purpose is to ensure a better future.