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.
Congress can only exercise the powers that the Constitution allows. Other powers are limited by the Bill of Rights, and the Constitution itself provides other protections. Several clauses and the 10th amendment deal with the enumerated powers. The Necessary and Proper Clause of Article 1 Section 8 has been controversial since the early days of the United States.