I hit a deer a few years ago on the interstate in my 2001 truck. After realizing we were okay the next thing I realized was that my air bags went off. “Why did the air bags go off! It was a deer!! The air bags didn’t need to go off!!!” (I knew that just the cost of the air bags would total the truck).
The insurance company did give me an extra $17 for the $150 battery that was only a few months old. If I hadn’t been traveling out of town I would have swapped an old one at the house into it.
I was hoping to drive that until I died as well. Instead I got almost 1/3 of the amount for a 10 year old truck in the same model but with some upgrades. Upgrades I didn’t want, but in the used vehicle market I couldn’t be picky.
When the insurance company wrote off my f-350 that had been stolen, they gave me HALF what a replacement of the same year would cost AFTER recovery! They also would not cover anything that was in the truck, like my tools, the pony tank, the running boards, the headache rack, etc.
Insurance companies are possibly the most dishonest non-government entities in existence, rivalling environmentalist extremists.