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repair cost more than car value insurance, Why?

How come repair cost more than car value insurance? The Estimate Cost Of Repairs Is Less Than The Actual Check Payment, Why? The cost of repair is usually less than the paycheck because car insurance policyholder must at least pay out of pocket for deduction after this is done the balance will be given a check. What if repair cost more than car value insurance, compare cheap car insurance quotes online, submit your details in the form.