Some doofus hit me in my 98 Volvo with 200K miles. Naturally, the insurance company totalled my car, despite the fact that it is completely driveable. They are sending me a check for a whopping 1900.
The car has a big dent, but the money they are sending will not even cover body work, should I choose to have it done. I can drive it with the dent, but if another doofus hits me, my insurance will want proof that I fixed the other dent, or they will send me nothing.
Should I switch insurance companies? We pay too much for insurance because my agent uses only 1 company. I know him personally, and he has helped us out when we were younger and less Mustachian, which is how I justify the expense. Will a different company cover us, or will they want a receipt that the body work was done? Any advice appreciated, and thanks!