Well, I'm kind of stuck between a rock and a hard place. The 93 Toyota was
the only thing I've made a claim on that I could base an opinion on.
If I insist on an "agreed value" I will be stuck with collector car
insurance issued through USAA and their policy has strick mileage and use
limits. I
just don't want to go there right now as I plan on using the TR4 to drive to
work and back when the weather is appropriate.
When the Toyota was wrecked, I searched NADA, KBB, and Ebay, and the
insurance company gave me more that any of those indicated. I guess I'll just
pay
my $200 per year for the TR4 and take my chances.
Robert
In a message dated 1/13/2008 7:47:16 PM Mountain Standard Time,
pfischer@rmi.net writes:
I think the issue is that your insurance company needs to be able to value
your car in case you have a serious claim. That is much easier on a 93 Toyota
than a 63 TR4. (Easier for them and easier for you.) It's pretty simple to
find a professional reference for what your 4 is worth. Why not do that and
call your agent? Say, "If my Triumph is wrecked, what are you going to give
me
for it?" This thread started because a list member was getting a quote from
his insurance company on his damaged 4 that was less than he thought it was
worth. It's not the insurance company's fault; they're unfamiliar with the
cars
and the cars' values.
I had a car fire in my beloved 250 several years back. It didn't even damage
all that much, when you think about it, but a restoration cost $7,000. I
was really, REALLY happy that I had an agreement with my insurance company
that
stated the car was worth $12,000.
Maybe you don't have that much invested in your British cars. Your choice of
course. I just don't think that ugly surprises are what insurance is about.
Robert B. Houston
Texan in New Mexico
63 TR4
As he stared at her ample bosom, he daydreamed of the dual Stromberg
carburetors in his vintage Triumph, highly functional yet pleasingly formed,
perched prominently on top of the intake manifold, aching for experienced
hands, the small knurled caps of the oil dampeners begging to be inspected and
adjusted as
described in chapter seven of the shop manual.
Dan McKay
**************Start the year off right. Easy ways to stay in shape.
http://body.aol.com/fitness/winter-exercise?NCID=aolcmp00300000002489
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