You make fair points from a strategic and Command/Control perspective. To use a possibly silly analogy, "too many cooks spoil the broth". You also mentioned a vital but often overlooked problem- that of 'projecting power'. The US is really the only country with strategic airlift and sealift capacity, long range strike aircraft, etc.
But Europe has been hiding behind Uncle Sugar for decades. I just watched an interesting documentary on Deutche Weille (spelling probably terrible) TV about who can lead Europe, and why it isn't Germany.
The collective GDP of Europe is more than 10 times that of Russia. It should be easy to put together a strong and unified defence. But 30 years of foot dragging will be hard to overcome in the short term.
You need to check what the capital value amount on the insurance document that is the amount that the insurance company will repay your MIL in the event that the vehicle is written off
normally most insurance companies will only approved repairs for up to 70% of the capital value
if the repair estimate exceeds 70% of the capital value insurance companies would advise your MIL that she shoulld request return of the capital value to write the vehicle off and they will refund the capital value that is stated on the policy document
If your MIL decided that she wants the vehicle repaired and doesn't want the capital returned then the insurance company will state they will only fund 70% of the capital value and your MIL is responsible for part of the repair cost if the repair cost exceeds 70% of the capital value
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