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You are looking at this wrong
Posted by NYSaab [Email] (more from NYSaab) on Sun, 20 Aug 2006 09:08:19
In Reply to: An example of what is wrong with the insurance industry, Bob Falfa, Mon, 14 Aug 2006 16:05:54
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You can't roll up the stereo and rental payment into the damages to the car. Personal property ($1100 worth of stereo equipment is not part of the car but personal property contained in the car) and the rental are separate coverages provided under your auto ins. policy. They are paid regardless of the amount of damage to the car itself. So really the ins. company is paying $3500 to repair a $5000 car. And that makes alot more sense than totaling the car which would require them to pay $5000 plus the $1100 stereo and $900 rental.
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