insurnace claim value 94st 110k miles??? - Page 4 - Defender Source
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Old May 22nd, 2013, 09:16 AM
mountainviewrover's Avatar
Status: Offline
95 Range Rover Classic
Join Date: Mar 2006
Posts: 1,307
Insurance check finally coming this week. I got to keep the truck but sold it to a board member to convert into a 110!

Moral of the story. Put you auto insurance in place prior to having your truck shipped!! I would have been paid 37k not the 10k I had to fight for.

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Old May 22nd, 2013, 10:26 AM
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1983 Land Rover Defender
Join Date: May 2013
Location: Bainbridge, WA
Posts: 5
My worst nightmare. Every time I make an upgrade to my 110, I worry about whether or not any of the cost will come back to me if it's totaled. At least with a 94 KBB can provide some input. Not sure what value an appraiser would assign to a 1983 vehicle that was never sold in the US. God forbid they look at the value of the same vehicle in the UK. My insurance agent has me documenting everything I do including pictures. Let us know how your experience turns out. Has anyone else had to battle for the value of their vehicle on an insurance claim?

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Old July 25th, 2013, 12:16 PM
ADK46er's Avatar
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Craig Longenecker
97 D90 SW
Join Date: Nov 2010
Location: Maryland
Posts: 286
I couldn't find if this was talked about or not but there seemed to be some questions on insurance claims and what they pay out in a total loss.
I am sure I am missing some info but basically insurance companies are insuring for replacement cost. They will look at KBB or something, milage on the vehicle, condition etc. I have USAA and they use a third party called CCC Valuescope to do the evaluation. USAA couldn't give me any idea replacement cost and would NOT run a market value request for me. After speaking with the guy at CCC Valuescope he told me that another option is to have a policy that is an agreed value. Turns out USAA is partnered with America's Collectors Insurance. They have a couple plans that are based on how much the car is used (both are for very limited use and certainly not off road use). For me I use on weekends only and maybe a couple times a month. I was quoted $1078.78 for a years coverage based on a $35k agreed value. They require photo's and may change the agreed price or maybe even not insure it. I didn't do any other research as I am sure there are other companies that do an Agreed Value Policy.

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