Same model year doesn’t mean same condition.

A used car with lower mileage, documented service history, and a dealer warranty is worth a lot more than one without those things.

But also OP is right insurrance will generally offer the least they think they can get away with.

Looks like a club bottle.

Why do people say catholics aren’t Christian? I’ve heard it a few times, it’s baffling.

First name Bruce?

The rule is that they have to be natural stones from the island

I think these scenarios might be easier to analyze if we made them a bit more realistic.

This an analogy for military intervention. If we empower our military to be proactive, we can save one "good guy"^TM by killing 3 bystanders. But if NATO’s adversaries are participating too we lose 3 of our "good guy"^TM