thats correct, I was disapointed also, some one hit my car and other insurance only paid for the body only. I tought I paid full coverage my insurance will coordinate with other company.With the same year of the car you can go to the same brand of your car, after that go to other company. all spare part every year depreciate 10 pct.if the car made 2005 about 40-50 pct
correct me if am wrong but it was happen on 2nd year of my car.