Have an 01 2500 6 speed diesel, bought new, About 5 years ago"someone" sneaked up in the middle of the night and disabled the clutch switch to the starter. That means it could be started without depressing the clutch.
So, the vehicle was just outside the garage and I was standing outside the vehicle's drivers door. Thinking it was in neutral I started the beast.
It idles at 750 rpm, consequently, it ran thru my garage doing about 15k damage. Totaled the truck, damage was around $6800.
Ins. Co., Liberty Mutual, said if repairs exceeded 3/4 of the value they totaled.
Bought the truck back from the Ins. co. for about $1500, they deduked that from the body shop estimate and sent me a check.
Damages was hood, windshield, grill, driver's front fender, driver's side mirror, and some stripping. Fixed it myself for around $2k, got a salvage title from the state of Texas, got liability back from Liberty Mutual for the same price as if it had never been wreaked.
Oh, BTW, "someone", in the middle of the night, came up and reattached the clutch connection, so, one has to depress the clutch in order to start the beast.