insurance

[Motor Sport Visions Photography]

In a message dated 2/6/2001 "Lloyd McClelland" <lsm6 at northcoast.com>
writes:

<< Me too, Me too  I'm in the middle of the same thing with AAA on my 88
=
80Q, they offered 4475 with a buy back of $250, but that doesn't count =
the 6000 worth of upgrades and 1000 dollars worth of new parts in the =
garage, the up grades and parts they would give me $60 dollars for so if
=
you find out anything please report it to the list... Lloyd in Eureka, =
with 3 other modified cars I'm afraid to drive, guess I'll buy a Accord
=
( stock off course)... >>

$4475.00 for an '88 80q? You sure wouldn't get anywhere close to that
for it on the open market unless it was like Javad's ;-) (Turbo
transpant...and even then your marketplace would be limited.) You're in
pretty good shape really. Take the $4225.00 and start sellin' off the
parts on ebay, to other listers, or wherever and count your blessings.

It is good to keep in mind that if you're paying for full coverage on a
car you dump way beyond high KBB into, you're *not* going to get the
$$$$ back if it gets totaled. You could perhaps get stated value
coverage (for a premium price of course) but you would still have proove
value, up front rather than after the fact.

I'm at the other end of the spectrum, trying to decide what cars we have
it is even worth keeping full coverage on at all...the returns diminish
as retail KBB values drop below 2-3k.

I didn't catch Duane's original post...sorry to hear your car was
totalled. What are they offering for it? You should be able to fight for
high KBB price if it was in nice shape before it's demise, anymore than
that will be like pulling teeth. Where's our resident insurance adjuster
expert/Fiat fanatic these days?

Mike Veglia
Motor Sport Visions Photography
http://www.motorsportvisions.com