Posted by BarnyardEngineering on October 05, 2017 at 04:53:09 from (173.186.244.244):
In Reply to: Insurance posted by 37Chief on October 04, 2017 at 18:10:43:
...and I'll continue to maintain that if you blindly buy into an insurance policy thinking you will be "made whole" in the event of a loss, THINK AGAIN. READ YOUR POLICY. All it says is you'll get something based on the current market value of similar vehicles.
You pay way too much for a pristine 20 year old truck expecting that you'll get what you paid for it if it gets in a wreck, you're in for a surprise. Most vehicles that old are rusted out heaps or in the junk pile. THAT is what your insurance policy says you'll get, and that's how the adjuster will value it. It's in your policy, in black and white.
If you want to be "made whole" in the event of a loss you need to buy a policy to that effect. ""New car replacement" insurance or "agreed-upon value" insurance is what you want. Many of the larger companies will give you new car replacement insurance, and collector car insurance companies do agreed-upon value. Be aware though, that it is EXPENSIVE.
That said, I've been very happy with GEICO. Had my first claim ever last summer when I hit the flagpole in my front yard and did ~$2000 worth of body damage to my truck. The adjuster found damage I didn't even notice, wrote it all up, and cut me a check.
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