Re: Insurance - how to determine write off vs repair?
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When I was in the UK insuring the Z4, 3rd party was more expensive than comprehensive. Figure that out!
Apparently people who sought 3rd party were riskier drivers, so the system bumped up the premium to over full comp.
But it was a cycle. As "riskier" drivers moved to full comp, and started making claims, full comp then became riskier for the insurer, so premiums went up over 3rd party.... and it goes in a merry go round.
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