[Bob Broberg SPF667 460BB]

Your insurance company will pay the agreed value to fix your car by contract. You did specify an "agreed value" didn't you? They will institute proceedings to collect the amount needed minus your deductible from the responsible party's insurance company, if there is one. I believe that 40% of Arizona driver do not have coverage. My cobra was wrecked on Thanksgiving, 2003. After a 7 month, $28,000 repair paid for by my insurance company, it took my insurance company and Glendale Prosecuter's office 5 years just to collect my deductible from the uninsured, none liscensed, twice convicted for DWI, unemployable driver but, I got it. The perpetrator is now serving time but still broke. Trust your insurance company, sign with a respectable one and play the game.

AZ Bob