Quote:
Originally Posted by 81MC
If there’s a loss to the vehicle, the cost to repair is the cost to repair.
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A good portion of drivers will only see minor claims or zero claims. So you're pricing for hypothetical loss that may not happen.
And if your ####ty driver in a cheap Honda civic happens to drive into a Lamborghini, it doesn't really matter anymore that the vehicle which their rates are based on is cheap to fix.