<prompt> Human: SSIA.  <response>: I know this is late, but I literally went through this last week. I had a 94 Corrolla, worth maybe 1500 on KBB. Got T-boned. Had comprehensive and collision with Geico, 500 deductible. The only reason I had it was because it was like 5 extra a month and I was like, might as well. I thought I might get 500 if I was lucky. Nope. They ended up paying me a little more than 2100 after the deductible. So, in my situation, it was most definitely worth it. 