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I was hit by an individual in a parking lot during an icy day, intact waived the deductible and had me set up to have my truck repaired in a matter of hours with front of the line a rvice at the body shop. Say what you want but I personally think they rock! We have had 3 companies in past 5 years and they are all crooks, this is the first insurance company I liked. As for expense - you get what you pay for.
I was told I only had to pay my Deductable ($500.00) as the vandalization to my vehicle was a no-fault claim. Along came the quote for repairs, I was informed that because new parts had to be installed, I would need to pay the Betterment clause portion, an additional $1,500.00. Insurance advised me that my vehicle was now in better condition than before the vandalization. Vehicle after repairs run the same as before, and looked the same, and didn't increase the trade in value. Total rip off!