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@dixiegypsy31 If they're so terrible why do you keep doing business with them? When I worked in an auto body shop as an estimator my local GEICO reps were assholes, so if a customer came in that had GEICO I either referred them to one of my co-workers or I told the customer that we couldn't...

@zylogz80 Body shop techs replace a/c condensers and radiators all the time, so the insurer will probably be unwilling to pay mechanical labor rates, but sure, if they can itemize the damages and take some good underside pictures to send in, that helps. Most people who have this sort of damage...

@estherkinyua Sounds like you're misunderstanding your coverage. The upper limit of the collision coverage for your own car is normally whatever the total value of the car is. The $50k you're referring to is probably your liability limit, which is for damage to other people's cars/property...

@nyki_t The way I read it it would be off-premises, so the 10% limit would apply. We did have somebody in this sub about a year ago who had a renters policy where the premises was defined as those portions of the property to which they had exclusive use. They had an assigned parking spot where...