Core Insights - United Community has been recognized as 1 for Retail Banking Customer Satisfaction in the Southeast by J.D. Power in 2025, marking the 11th award in the last 16 years [1][3] - The bank also ranked 1 in Trust and 1 in People, highlighting its strong performance in these key areas [1][2] - The recognition is based on a comprehensive study involving 109,724 retail banking customers from over 150 of the largest banks in the U.S. [2] Company Overview - United Community Banks, Inc. (NYSE: UCB) is a top 100 U.S. financial institution with $27.7 billion in assets as of December 31, 2024, and operates 199 offices across six states [3] - The company offers a full range of banking, wealth management, and mortgage services, and has been recognized as one of the "Best Banks to Work For" for eight consecutive years [3] - United Community has also received multiple awards from Greenwich and has been consistently listed by Forbes as one of the World's Best Banks and America's Best Banks [3] Industry Context - The J.D. Power U.S. Retail Banking Satisfaction Study is the longest-running and most comprehensive study of the retail banking industry, focusing on consumer satisfaction with primary financial institutions [1][2]

Core Insights - The article discusses how actual cash value (ACV) is determined for vehicles in the context of insurance claims, emphasizing the difference between ACV and replacement cost value (RCV) [1][9][17] Group 1: Actual Cash Value (ACV) Explained - ACV is the market value of a vehicle after accounting for depreciation, which is the decrease in value over time [9][10] - Insurance companies typically reimburse based on ACV minus any deductible, which can lead to financial shortfalls for car owners if the vehicle is financed [4][5] Group 2: Total Loss and Insurance Coverage - A vehicle may be deemed a total loss if repair costs exceed a certain percentage of its value, often set by state laws, with some states using a threshold of 75% [2] - Comprehensive and collision insurance claims provide reimbursement based on ACV, which may not cover the full loan amount if the vehicle is financed [5][17] Group 3: Maximizing Vehicle Value - To maximize ACV, owners should minimize depreciation through regular maintenance, keeping mileage low, and maintaining the vehicle's condition [11][13] - Owners can negotiate ACV with insurers by providing evidence of comparable vehicle values and may hire independent appraisers for support [14][15] Group 4: Additional Insurance Options - Gap insurance can cover the difference between ACV and the outstanding loan amount, which is particularly useful for financed vehicles [6] - New car replacement coverage is available from some insurers, but it often comes with strict eligibility criteria [7]