fad,
Does it make a difference whether the owner has book or replacment value on his own vehicle if it was the fault of a reckless teenager and will be paid by his insurance company?
In this case does the kid's ins. co. pay the book value and the owners replacment has to make up the difference?
And if the owners insurance has to pay the difference, is that a mark against the owner for being in a no-fault accident? Curious because there is a record against me because my 300SE got vandalized...wrong place at the wrong time! Which did cause my rates to rise at renewal time.

TobiasMB
4 MBs