This is a message that came up on a Porsche mailing list that I thought might also be applicable here in light of the recent discussion. ---------- Forwarded message ---------- Date: Fri, 9 Jul 1999 11:58:56 -0700 From: Select Auto Insurance Program <staff@xxxx> To: 911/993/996 <911@xxxx> Subject: [911] Re: justifying replacement cost Hi Aaron, The value differences you refer to are when someone has a 'stated' value rather than an 'agreed' value. If the magic word 'agreed' is there its a done deal, and thats universal. Lots of people have 'stated' value, but thats only used to figure out how much you get charged. The insurance company may allow you -- often via silence on the subject -- to believe you have some sort of protection, when you don't. Sadly I see this happen very frequently. If someone wants details on what this insurance value stuff all means send me something off-list and I'll send a link to a page I wrote on the subject. It also includes instructions on how to hammer your ins. co. to figure out if you're properly protected. Aaron wrote <snip> > BTW, I have heard that there are differences in Agreed value policies, there are > many companies out there that offer them. I suggest doing you homework and > making sure that the company you pick will pay the full agreed value in a claim > just to be sure. ------------------------------------------------------------------------ To address comments privately to the moderating team, please address moderator@xxxx