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By Steve Higgins, New Haven Register, Conn. Knight Ridder/Tribune Business News
Feb. 27--In January 2004, Laura Earley made an unsafe left turn, causing another car to collide with her 2002 BMW 325.
The dealership told the 23-year-old Middlebury resident to take the car to Town & County Auto Body in North Haven, which specializes in repairing high-end vehicles.
What she didn't know was that her insurance company would not match Town & County's high labor rate.
"There was no negotiating -- they paid a flat $42 an hour rate," she said. "After my $500 deductible I ended up paying $1,300 out of pocket. I was upset, but I just wanted to …