A kid took out my mailbox from an accident last week. I bought the materials to replace it, saved the receipts, and i installed it. my dad still owns our house, so i gave him the receipts to let home insurance contact the kid's auto insurance to pay for the replacement. The total bill was $152.50. My dad thinks that is too high and the insurance will not pay that amount. He said they will only pay for something comparable to the original mailbox. I paid about $110 for the mailbox that was damaged. Do you think the insurance will reimburse me the full amount to replace it or what I paid for the damaged mailbox?