digrazia@nacho.DEC (07/24/85)
My auto insurance company has managed to slip one by me. When I bought my car (6 years ago) I naturally planned never to have an accident, so I paid too little attention to the fine print in the insurance policy. I thought I had insured my car against the cost of repairs caused in a collision. Now a collision has caused damage whose estimated repair cost is near the car's value. So the insurance company wants to hand me a few dollars in exchange for the car. I want the insurance company to do what I thought I was paying them for: contribute toward the cost of repairing the car. Does anyone have experience getting insurance companies to pay part of repair cost, instead of trying to take a "totalled" car? Would a small-claims suit amount to anything? (Incidentally, does anyone know of an insurance company that sells "repair" insurance, i.e. insurance that pays for repairs, presumably up to some limit? For example, if a car is totalled, the company pays for actual repairs, but not more than the car's value, and the insured keeps the car.) Bob DiGrazia