Not to be a smartass or anything, but thanks for pointing that out. It never crossed my mind. lol. I seriously regret not getting full coverage but at the time when I renewed it, I had just finished a previous claim where the damage to the car was just slightly less. The accident, again caused by another chic, went through her insurance. I had half of the body panels replaced and the whole thing painted diamond graphite. After that, I figured I would have sold the car before I got into another bad accident. That was just 8 months ago. What luck huh?