Re: Insurance

[audistuff@juno.com (Paul R Anderson)]

My experience is that you will only get the insurance company to pay
for a stock vehicle with similar mileage and condition (pre-crash).

On the other hand, if you retain VIN from original car, most are too
stupid to check.  You'll only pay premiums on the VIN, not on what
you really have.  On the other hand, you'll only only get paid for the
VIN in the event of a crash.  You could, on the other hand, buy a donor
car complete with title and VIN and change the model designation
of your car.  Higher premiums, higher payout.  Consider salvage
value of the car in the event you decide to go ahead with it.  May be
better
to go with smaller outlay, get the car totalled, get small amount back,
buy
back thousands of dollars worth of parts for a couple hundred bucks
and start over.

An example similar to yours is my Dad's sleeper.  It is a 1979 Ford
Fairmont which is completely 87 Mustang GT under the skin.  He
is only paying premiums on a 79 Fairmont and, if he lived in a smog
state, he'd only have to meet the emissions requirements of a 79
Fairmont.

Hope this hasn't been a complete waste of your time reading this.


Paul Anderson, Cheyenne, WY  Private email:AndersonPaul@juno.com



On Fri, 21 Nov 1997 10:37:20 -0500 "Duff, Ian" <IDuff@CHARTER.com>
writes:
>Hey, all, here's one for the collective wit and wisdom:
>
>Let's say I win the lottery, and decide my CQ really needs to be an 
>RS2,
>and make it so. How do I insure it, or even can I? More mundane point,
>let's just say, for the sake of argument here, that the headlights 
>suck
>enough that I replace them with some expensive You're-a-pee'in ones. 
>So
>far, so good. Now, some chump drives into the front of my car, and 
>ruins
>those expensive, non-USA OEM lights. How do I go about getting them
>replaced without having to cough up the difference between the stellar
>USA OEM flashlights the insurance adjuster is willing to pay for and 
>the
>expensive ones I'll settle for? There are lots of simple examples that
>fit here, like aftermarket wheels, or aftermarket anything, for that
>matter.
>
>I have neither hit the lottery (you gotta play to win, and I can do 
>math
>well enough to realize I'm more likely to end up with zillions by
>working hard), nor has some chump done front bodywork on my CQ. I 
>would
>like to be able to sleep nights dreaming about the RS2 scenario 
>without
>waking up screaming when I picture myself doing some unplanned 
>guardrail
>surfing.
>
>Any ideas? Ooo, bad question, given this audience. More appropriate,
>what experience does anyone have? TIA.
>
>-Ian Duff.
>