[Jerome74911S]

Wow. Now I am so glad that I live in a place with No-Fault car insurance laws. An accident occurs: my insurance pays for my car, and the other guy's insurance pays for his car. No fault on anybody's part enters into it, including when my wife hit a turkey. There were feathers stuck in the grille, so they paid to replace the grille. The turkey evidently had no insurance, but it was delicious, so it actually paid a price.

My insurance pays (minus the deductible) whatever would take to repair my car, up to the agreed value in the case of my Porsche. At the moment my wife's car is covered by actual cost of replacement, meaning that even though her car is a couple of years old, they will buy her a new one if it gets totaled. There was an extra premium for this, but it was very small.