re: Car driven through floodwaters not starting -UPDATED

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Comp claims are non-chargeable.

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What does that mean? I had tail lights stolen off of my truck yesterday, and was quoted about $8k. I expect my insurance to increase substantially for the next few years, so I'm curious what non-chargeable means in practice. I know the State Farm agents I know are going to be flown to Europe again in the summer for a month with their families, nearly every expense paid, of course.