BRAKE FAILURE. RESULTED IN COLLISION. DEALERSHIP IDENTIFIED FAILED BRAKE COMPONENTS AND REPLACED THE MASTER CYLINDER, ABS MANIFOLD, BRAKE PADS AND ROTORS. CLAIM WAS MADE TO SAAB/GM, CLAIM# 513166, AND WARRANTY COVERED THE BRAKE REPAIRS. THEY SETTLED IN FULL FOR THE SUBSTITUTE TRANSPORTATION AND COLLISION DEDUCTIBLE BUT ONLY OFFERED A PERCENTAGE OF THE INSURER'S COLLISION REPAIR PAYMENTS. THIS COULD RESULT IN AN ADVERSE POLICY RATING FOR THE COMMERCIAL ACCOUNT. *NM