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Old 07-08-2010, 01:09 AM
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aklim aklim is offline
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Join Date: Apr 2000
Location: Location: Greenfield WI, USA
Posts: 8,514
Just a thought. I would only have collision on my old $100 beater. If that breaks, I dump it and get a new one. HOWEVER, on my cars, none of which fall in that class, I have always had comprehensive.

My car is used. As such, I am willing to allow salvage parts and don't demand new parts as long as they are within acceptable standards. IOW, if I have a used tailight, a replacement would be fine as long as the condition is as good as the old one.

That said, I haven't had much trouble with insurance companies at all when it comes to claims. My biggest problems with them are that the rates can vary between companies. As such, I would shop ever few years and change if necessary. I am not married to any one company.
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