Why do insurance companies routinely pay out less than market value? It seems like theft, especially considering in every case anyone mentions, the insurance starts by reducing value at some absurd amount and then makes the injured party squirm and struggle to get 80% or even less than the actual loss. How are insurance companies permitted to do this time and again? Perhaps a better question is how does one protect themself against this behavior???

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...Tracy

'00 ML320 "Casper"
'92 400E "Stella"