Just go with the regular insurance, and keep all your documentation. If you
have a catastrophe, it may be a little work but you will be able to document
the true value of your vehicle.

See Dereks long post:
http://gerry.vanagon.com/files/auto-insurance-madness.html
<http://gerry.vanagon.com/files/auto-insurance-madness.html>

Also, do not go with Geico which has a terrible reputation for settlements.
State Farm is also bad, I hear, indeed any insurer that has a drive in
claims place may seem convienent, but they treat you like a number and don't
make exceptions. I would gladly pay a couple of hundred bucks more for a
company that had a reputation for more than fair settlements. Even if its a
couple of thousand less than "replacement value", you will have saved that
much in premiums in just one year.

I really like Aetna, my wife totalled our very clean Audi a few years ago,
and I did not accept their offer, and my agent had them send out a special
"adjuster" who works tough cases - he did not even work for Aetna, he was an
independent adjuster. He saw the condition of the car -perfect- and all my
reciepts for work done on the car, and I got 25% over high blue book- it was
a fair settlement. I also got 5% sales tax back, to apply to the purchase of
the replacement vehicle.

Hope this helps

Tom F.

[Forhan, Thomas]
 -----Original Message-----
From: Larry Chase [mailto:lchase@attglobal.net]
Sent: Friday, February 07, 2003 11:55 AM
To: vanagon@yahoogroups.com; wetwesties@yahoogroups.;
vanagon@gerry.vanagon.com; Syncro@yahoogroups.com; ev_update@yahoogroups.com
Cc: VWVANFULLTIMERS@yahoogroups.com
Subject: [Syncro] Insurance - Replacement Value Policy?

Volks,

A recent posting on WetWesties reminded me of this issue.

What's the right way to go for insurance coverage, "Normal" Policy with
complete Documentation or a "Replacement Value" Policy with complete
Documentation and appraisals?

Sample vehicle ... 1990 Westy Syncro

1. Normal Coverage Policy:

- $500 deductible

- Rental Car Coverage

- Reasonable levels of liability, comp etc. (sorry don't have specific value
info with me)

Cost Estimates : $600-800 per year (AZ Resident)

Note:

Full Documentation Package Available.
- Receipts for all renovation,rebuild and modifications
- Photos of Everything

2. Replacement Value Policy:

I have met with a few Insurance companies about providing a "Replacement
Value" Policy.

Requirement:

- Receipts for all renovation,rebuild and modifications

- Independent Appraisals

For estimating the insurance quote I suggested they use a $30k replacement
value

Cost Estimates : $2500 - 3000 per year (AZ Resident)

Big difference in cost.

What's the right way to go?

Your Point of View?

Larry Chase

Email: lchase@attglobal.net <mailto:lchase@attglobal.net>
Web: www.roadhaus.com <http://www.roadhaus.com/>  - Coming Soon!
What: The Great North American Road Trip
When:  Feb 22, 2003
How: RoadHaus - 1990 VW Westfalia Syncro
Today: Los Osos, CA / Go Westy
From: Mesa,  AZ

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