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well regaurdless, i feel that if my car was damaged and the damage is worth X amount of dollars, and i take the insurance check and have it fixed for a much cheaper Y amount of dollars, I feel that im entitled to the remain amount of money left over assuming I sacrificed quality for value.
Reason insurance companies give you the check is because they are giving you the choice of what todo with the money, you can send your car to the junkyard for all they care... You pay your monthly payments for coverage and they give you money to repair damage that may happen during the insured period of your ownership of the vehicle.
Keywords... "INSURANCE COVERAGE"
It would be a waste of typing to convince me otherwise.
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