Let's say someone is in a car accident, and it's determined that both drivers bear some fault in the accident.
The car is declared a total loss by the driver's insurance company. Also, in the accident, a cell phone that was very expensive, say 1000 dollars is damaged beyond repair.
The insured's insurance company is only willing to pay for the car, minus the deductible. They tell the insured that the phone is not their problem.
Is that legal? The car carried complete coverage including comprehensive, collision, etc. but the phone was damaged by the collision.