You missed my point. I did not say that I carried collision insurance. What I meant was that if somebody damages my car in a parking lot (just as an example), and basically dents a fender, his/her insurance would then be obligated to pay for my damages. They would then appraise my car, pay me a little pocket change, and then want to take my car. I would then need to buy back the salvage rights, and in order to get it retitled and re-registered, I would have to go through the whole procedure of having to have the car re-certified as roadworthy - OVER A DENTED FENDER!!!!! Doesn't seem right to me.
I would NEVER carry collision insurance on a car over 10 years old. You are right in that respect - the value of the car would be less than the insurance premium.
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