I see where you're going, but I struggle to see how he could even think to collect from CTD due to his ignorance on what he was having done, without the work being faulty. Mainly because at the end of the day he could have said, "no thanks...sounds cool though." Either way it sucks and that's why we have insurance...sure he'll be back on the road in no time maybe even in an aventador, if he totaled that.
Btw, I used ignorance in the way it's defined, not knocking him...don't know him.