Agreed Value Insurance? - Defender Source
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  #1  
Old January 10th, 2006, 09:42 AM
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Scott T
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Agreed Value Insurance?

Anyone have any luck finding an insurance provider that will write an agreed value policy for the ninety? I've tried a bunch of the collector car places (Haggerty, Condon & Skelly, J.C. Taylor, LeLand West), but none will write the truck until it is a minimum of 15 years old, some not at all because it is a truck. I'd prefer a policy without mileage limitations as well, but I can live with them since the nienty is not my everyday driver. Thanks in advance...
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  #2  
Old January 10th, 2006, 11:22 AM
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Doug Walker
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I have an agreed value on my 110 at $40K with Allstate.

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  #3  
Old January 10th, 2006, 02:10 PM
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Eric W. Siepmann
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Your normal agent may offer one. Statefarm does I almost did it but it's a pain in the ass to modify with upgrades ect and you really have to have a good basis for the truck.
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  #4  
Old January 10th, 2006, 02:17 PM
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Scott Falter
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The insurance company gave me market value for mine without a hassle. They based the total value on blue book and totaled it. But they gave me fare market value for it. I used mercury insurance. Then was able to by it back for really cheap. I really don"t mind the savalge title.
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  #5  
Old January 10th, 2006, 06:23 PM
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I have Allstate here in GA, they do not offer the stated/agreed value program. My buddy is a Country/Cotton States agent...he says that even with a stated value, the adjusters can give you less than the agreed value.

I have a bunch of modifications, and no one will cover them properly. I am not concerned about trail damage, just theft. They have the ability to depreciate the crap out of everything and give you nothing.

I posted a note a while back about this... Each state is entirely different.

Scott
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  #6  
Old January 10th, 2006, 11:06 PM
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David Marchand
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MetLife will do it. You need an outside, 3rd party appraisal first though.
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  #7  
Old January 10th, 2006, 11:15 PM
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Phillip
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wahts does and insurance company consider as an "outside party"
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  #8  
Old January 12th, 2006, 01:23 PM
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Scott T
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Thanks for the information everyone, gives me a few more leads to check out. I wasn't aware "normal" insurers like MetLife and Allstate offered such policies, guess I should have asked. Thanks again..
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  #9  
Old January 14th, 2006, 04:04 PM
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Tim Brown
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We gave up on finding someone. The few leads we had lead to dead ends. One promising lead sent us a quote and in the fine print it stated the their "agreed value" plan upon payout due to totalling would be either the agreed value or the nada, whicheve was LESS. So we so far are just sticking with our normal insurance.
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  #10  
Old January 16th, 2006, 05:12 PM
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Alyssa Brown
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I'm pretty sure Chubb is agreed value.
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  #11  
Old January 17th, 2006, 02:17 PM
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David Marchand
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The larger insurers will most likely do it. However you need a third party appraisal performed (at least Metlife required that of mine). So, what happens is the appraiser gives you a value, a nice write-up and tons of pictures of everything. I found a local guy who does hot-rod appraisals. He was good, thorough and was surprised at all of the mods. Anyways, you send it to them, their "board" of appraisers evaluates and let's you know if they will insure at said amount. Then you have to get it appraised and resubmitted every 3 years after that. It's not easy, but it's piece of mind in the short term. My experience with this.
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  #12  
Old January 18th, 2006, 10:43 PM
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Michael Jekogian
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I went to my agent to ask about my insurance today. He know the D90 in fact he was looking for one. I asked about coverage and according to him all State Farm Insurance nation wide is Market Value + and additions or customization with reciptes according to him my regulare Ins. covers my 90 in case of a total or stolen I just need proof of what they are going for. He would love the business or questions from anyone in So Cal. He is very fimilure with the D90. Call State Farm.
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