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  #1  
Old June 22nd, 2007, 04:18 PM
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barry f
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Insurance and total loss

I am finishing up the financing and what have you for my first defender and one of my questions for hte insurance company was what happens if it is stolen. They said they evaluate the claim against NADA prices which seem low. Has anyone ever had an issue. Not that it would be stolen but if that ever happened I would like to know it is worth more than 7000.

thanks
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  #2  
Old June 22nd, 2007, 04:56 PM
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Ade
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I recently got some over the phone quotes for my Defenders, what you want is to have your truck insured for the 'Stated Value' and not the KKB or Nada estimated value. Some insurance companies as I found out will not do this, AAA is one of them.

Check out Ameriprise. I believe this topic has been brought up before, but definitely something everyone should think about and consider.


http://www.defendersource.com/forum/...erican+express


Ade

Follow-up Post:

One more thing to add...if you have a digital camera, take pictures of your truck at nauseum. Take detailed pictures of every square inch of that truck and keep it somewhere. That will be your only friend when you try to explain to them the value of what you had and what you may have put into it.
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  #3  
Old June 22nd, 2007, 08:41 PM
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shane cates
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I was told I would get 28,500 from state farm which is a little more than I have in it not counting the elbow grease
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  #4  
Old June 22nd, 2007, 08:55 PM
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Quote:
Originally Posted by huck1974
I was told I would get 28,500 from state farm which is a little more than I have in it not counting the elbow grease
Told in writing, right???
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  #5  
Old June 22nd, 2007, 10:22 PM
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shane cates
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insurance guy is a buddy. His boat is next to mine and we share beverages. I asked him to look up the replacement value.
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  #6  
Old June 23rd, 2007, 01:59 AM
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barry f
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Hope you are right considering mine also is a blue 94
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  #7  
Old June 23rd, 2007, 02:08 AM
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shane cates
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you would have a good fight. Current sales of the defenders would be the deciding factor if they are treating you fair.
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  #8  
Old June 25th, 2007, 02:31 PM
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Craig Dickson
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I recently had my 95 in the shop after an accident and Ameriprise valued it at around $24,000. I also have 202,000 miles.
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  #9  
Old June 25th, 2007, 03:50 PM
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Donald McDowell
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why not try that Farmer's Insurance Agency, after all they show an Arles Blue SW in their TV commercial
might be worth a try

My agency Met Life said all I needed was an appraisal and photographs and submit them for approval and insurance at market price. I am working on this now and will report back my findings
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  #10  
Old June 25th, 2007, 07:23 PM
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Clark Bowen
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When I rolled my D90 rockcrawling it I thought I had a big bill coming but Allstate valued it at $26,000 and paid me $21,000 to fix it. They checked actual prices on various sites and that is how they determined the replacement value. They don't have an exclusion for damage incurred offroad - and god bless them for it.

Clark
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