My agent told me when I bought my last policy for my truck if I had any
add-ons. She quoted premium prices to me at $5k increments. Said that way
my $12K truck would be covered for $15K to $20K with the add-ons.
Karsh
-----Original Message-----
From: owner-dakota-truck@BUFFNET.NET
[mailto:owner-dakota-truck@BUFFNET.NET]On Behalf Of mymail
Sent: Sunday, April 08, 2001 1:59 PM
To: dakota-truck@buffnet.net
Subject: Re: DML: Apraised Value Insurance....
I believe what you are looking for is an "Agreed Value Policy". Almost any
insurer can issue this and probably without any appraisal unless your
estimated value is way out of line. The price difference may not be that
much depending on what the difference is between the book value and your
agreed value. Best thing to do is call your agent and tell him what you
think it is worth and ask for a quote based on that value. Then you can
decide if it is worth the extra premium or not.
----- Original Message -----
From: "Bill Pitz" <dakota@billpitz.com>
To: <dakota-truck@buffnet.net>
Sent: Sunday, April 08, 2001 1:23 PM
Subject: Re: DML: Apraised Value Insurance....
At 01:28 AM 3/30/01 -0800, you wrote:
>Alright, after talking with some people, they made me realize that if I get
>in an accident, my rig will be worth bluebook only, and I will get no money
>for my new paint, seats, performance mods, hood, motor, and all the other
>stuff that I am modding or will mod.
>I know that alot of classic car owners get apraised value insurance, and I
>was wondering how I go about getting it apraised, and or how I get the
>insuance.
>
>I have state farm, and am 18.
>
>I have 1 accident that was my fault, I backed into a rice rocket in a dark
>alley at 2am @ 3mph. My tire killed his bumper and grille, but only 900
>bucks worth of damage. Anyways....
>
>I dont want to pay an arm and a leg for insurance, but I am willing to pay
a
>little more.
If you don't mind my asking, what are you paying now, and what does your
policy look like? [you can mail me off the list if you want]
>Anyone in here been in an accident with alot of mods? What insurnace
company
>did you have, and how did they handle the replacement of non stock items.
The savings account thing is a good idea, yea. I guess you really have to
think
about how practical it will be to have the entire amount insured. (If you
get in
an accident, what's realistically going to get broken? Chances are your
seat,
stereo, amp, speakers, etc. won't be touched -- we've seen some pretty nasty
pictures and heard some pretty nasty stories of wrecked Dakotas, and the
interior
seems to survive rather well.)
There's a lot of things that piss me off about the way car insurance works,
but
it beats losing everything you own if you get in an accident and kill
someone
without it.
Thanks,
-Bill
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