Mechanical repair (i.e. broken camera here and there, stuck seatbelt, etc) is going to be always cheaper than collision repairs. Also makes sense to exclude co

Mechanical repair (i.e. broken camera here and there, stuck seatbelt, etc) is going to be always cheaper than collision repairs. Also makes sense to exclude collision repairs - as an individual owner I am not going to run to a shop to repair scratch or gash - I am perfectly happy with mechanically worthy car that has imperfect looks (thats why I maxed out excess on my insurance).