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Another interesting tidbit that I found out well after an accident I had a few years ago, is that after significant repairs on your car, you are entitled to a check in the amount of the "loss of value" on the car for the repairs made. The insurance company will never give this to you, UNLESS you ask for it.
I also wouldn't worry about the insurance companies too much. Yes there is indeed insurance fraud and that should never be tolerated, but if they pay you for you losses and you choose to spend that money elsewhere that's your prerogative.
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