Ouch. As we say in my family, “Hindsight is always 50-50,” this is a perfect 
example of why having a stated value policy is worth it, even on a $1500 car.

I’ve never (knowingly) had a policy that had a limit on property damage, at 
least not one that low. Wouldn’t this be covered under your uninsured motorist 
part of the policy?

-D

> On May 8, 2024, at 3:33 PM, David Bruckmann via Mercedes 
> <[email protected]> wrote:
> 
> Indeed, the fact that the other party is not insured makes this
> particularly bad. While I'm "covered" for that situation, my insurance
> company's limit is $3500 in property damage. So essentially a useless
> amount that won't even cover the fenders, never mind the rest of the sheet
> metal and paint.
> 
> On the bright side, I only paid $1200 for the car. On the dark side, I've
> spent a fortune on replacing the interior, seat pads, engine mounts,
> radiator, yadda yadda. In fact, last weekend I replaced the brake calipers,
> lines, and pads.
> 
> D.
> 

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