I live in Louisiana. Son, who does not live with me, borrowed by car for job interview that was too far for him to take to by public transportation. Car was stolen while in his possession. Found 1 week later wrecked and abandoned in Texas. Two questions. (1)Insurance company wants to pay only 75% of value of the car. I still owe on it. Was not an old car. 75% of value of the car is not mentioned in policy. it states "The limit of the Company's liability for loss will be the lesser of the (1) actual cash value of the stolen or damaged property; or (2) amount necessary to repair or replace the property with other like kind and quality". Question: Is it legal for them to only offer me 75% of the value before the deductible is taken off. (2nd Question): Insurance company wants to charge us for adding my son as driver. Son does not use the car, does not live with me, in fact I live 50 miles from son. Only let him use the car because there was no other way for him to get to interview. Company was located out-of-town, but job was locally so he could get to it using public transportation. Insurance company has stated in a letter they will deduct adding son to policy from the settlement. Question: Is this legal?