88 5kq hit by kid backing out of driveway

[Grant Lenahan]

Dewitt -

Very sorry about the problem... one thing is that the OTHER guy's 
insurance should be responsible - which gives you more lattitude to be 
a PITA.

the issue -- for better or for worse -- is that your premiums should be 
calculated on a maximum vehicle value.
There are insurance policies - called "agreed value" or "stated value" 
that insure collector cars, show cars, etc.
But all others are based on repair tables, limited by the estimated and 
declining market value. Your premiums should be commensurate (for the 
collision portion only).

If you have a rare car and want it insured for more than market value, 
you can sometimes negotiate it --- up front.

Grant
On Aug 21, 2007, at 11:57 AM, DeWitt Harrison wrote:

> I have to admit you folks have me worried now.
>
> DeWitt
>
> ----- Original Message -----
> From: "Huw Powell" <audi at humanspeakers.com>
> To: "DeWitt Harrison" <six-rs at comcast.net>
> Cc: "Quattro List" <quattro at audifans.com>; <syljay at optonline.net>
> Sent: Monday, August 20, 2007 7:07 PM
> Subject: Re: 88 5kq hit by kid backing out of driveway
>
>
>>
>>>
>>> Well, I'm completely stunned at how eager everyone is to roll over
>>> for the insurance companies. In my state, if it cost $10,000 to fix a
>>> $2,000 market valued car, the responsible party's insurance
>>> company would be coughing up $10,000. It amazes me what
>>> a bunch of pathetic sheep the insurance industry has made you
>>> all into.
>>
>> Aren't you lucky to have that as a state law!
>>
>> Baaaaaaa
>>
>> -- 
>> Huw Powell
>>
>> http://www.humanspeakers.com/audi
>>
>> http://www.humanthoughts.org/
>
>
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