Re: Thoughts on insurance coverage - Bulletin Board

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Re: Thoughts on insurance coverage
Posted by Snowmobile [Email] (#686) [Profile/Gallery] (more from Snowmobile) on Wed, 8 Aug 2018 10:04:00

In Reply to: Thoughts on insurance coverage, Mike Keller [Profile/Gallery] , Tue, 7 Aug 2018 14:46:58
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I would personally go with the most basic coverage unless the increase in premium for some other feature is essentially trivial. If you can diy repairs, and especially if you have a cheap source of parts (eg pick-n-pull), that is the most reasonable way to fix the car. Once a car reaches a certain age, it is either going to be somewhat collectible (eg c900 in decent shape) and worth getting agreed value insurance, or it is not collectible and should be just used and not worry too much. That is my opinion. The insurance company will write the car off over almost anything because they will add up the cost to replace with all new parts and full labour. If you go to the junkyard and get a headlight for $30, that's a heck of a lot better than paying $300 + $100 for a guy to install it, but if your insurance pays, that is what usually happens. And repair shops want to milk the insurance system. I've seen a tiny rub/mar - not really even a scratch, used as justification to replace a tail light that was otherwise mint. I could have buffed that out in a couple minutes for basically no cost! I've fixed lots of massively clouded headlights. What a waste to toss that in the garbage (or does the shop resell it after you pay for a new one?)...

Dog leg rust is not hard to fix if caught early. Any other rust can be a losing battle.
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