I have a 300zx and a moving company damaged the groundafect. My insurance company (mercury) said they would only pay 50% of the repair cost, because "those cars are low to the ground and the damage was probably already there" When I said I have pictures taken just days before, thier answer was are they from under the car? Because the paint was scraped off so some of the groundafect was even if there was no damage. Are they kidding with this?
If you have a valid complaint regarding Mercury's claims process, The California Department of Insurance (CDI) website has a link whereby you can file a complaint against an insurance company, on-line for the "rip off" you spoke of. Some of your message was hard to understand so I would suggest that when you do word your complaint, do so very clearly. Good Luck. JG