Sorry that happened to you. Most insurance covers anyone you allow to drive the vehicle. It's a strange thing. Adding someone is more about covering that person, no matter what they drive...like a friend's car. Exception is rental cars as that's a whole other scam.
That’s literally the definition of insurance.
A while ago I bought a 12 year old 2006 F350 with a plow for $8,000. Yours is 17 years old. You believe they’ve done you wrong by not evaluating your own truck for repair. None of them do this though. They look at the median price of a similar truck in your region, look at actuarial tables to see the regional costs of repairs, and decide to either total or repair it based on what’s less expensive for them. These older trucks are relatively cheap to buy and expensive to repair. This isn’t specific to State Farm.
It was never that way, I always paid rates based on my situation. I don't remember catastrophic losses until at least the early 2000's. That's about when insurance companies figured they couldn't recoup the losses, of say a Cali fire, a Louisiana flood, so they make all pay for it. How many times have I helped pay, involuntarily, for people who chose to live in a flood or fire zone?
Insurance companies are heartless SOBs and at your age they’re probably hoping to drop you as soon as they can.
