Hi Steven -
You are, of course, correct on all counts:
> during a claim, the owner's claim of condition is certainly relevant . . .
> The values in those books *do* take condition into consideration . . .
You do indeed have the right to argue with your insurance carrier that your
car is at the higher end of the value range.
The suggestion I was trying to make (inelegantly, as usual) was that an
agreed value policy based on an appraisal is not the same thing as having
the right to argue about the value of your car it's been wrecked or stolen.
For a run-of-the-mill daily driver that could be replaced with relative
ease, it probably doesn't matter much. But if you've sunk BIG $$$ into a
first class restoration, or want to make sure that you'll be able to keep
and repair your particular car, buying a standard policy would just be
asking for trouble.
In my opinion, anyway.
Jim Hill
Madison WI
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