Just an FYI, I sold my 2007 w/HOV stickers about 2 weeks ago and got $3500 above Kelly blue book for it. The stickers do add value, but only to someone who wants/needs them and is willing to pay. The buyer of mine was looking for a Prius with them because of his commute and was happy to find mine - and I can't complain since the stickers were only an $8 cost to me last January :nod:. I hope your insurance will compensate you reasonably...