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So what your friend is saying, is that if he had totalled out the sled himself he wouldn't have filed a claim with his insurance company, right? He would have simply wrote a check for $7000 to buy a new one. NOT! He would have filed a claim so fast it would've made your head spin. And he would've happily paid the $1000 deductible.
But now he's got another option - let's take advantage of my buddy. He can buy me a new sled and I won't need to submit an insurance claim either. The classic double-dip!! Some friend ...... you owe him the deductible and that's it.
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