(The following questions from subscribers in Illinois, Indiana, Minnesota, and New York present different aspects of the same subject. Thus, they are being included under the above single caption.)

 My insured purchased a used typewriter in February, 1990 for $367.50. It was stolen in November, 1991 and was promptly replaced with the same model from the same dealer at a cost of $393.75.

The insurance company first insisted on an arbitrary $50 of depreciation. The insured does not feel that there is any basis for depreciation. He got the same model and it was no better than the stolen machine.