Robert, You better check your USAA coverage carefully. I have been with them since 1970 and this year was the first time I got into a lengthy conversation with them about actual coverage amounts on my 1982 DeLorean. From the best I can tell they will not pay replacement value but the value their adjusters think the car to be worth. I asked them to give me a dollar figure and they couldn't do it. It sounds like no matter what the condition your car is in they will only pay the average condition selling price. I am glad you brought this up as at the time I was trying to get specific answers I was in a hurry to get the car insured and on the road and I didn't follow up with there claims department to get a dollar value but I will tomorrow. Bill "Plan for the worst, hope for the best, anything better than worst is to your advantage". To address comments privately to the moderating team, please address: moderators@xxxxxxxxxxx For more info on the list, tech articles, cars for sale see www.dmcnews.com To search the archives or view files, log in at http://groups.yahoo.com/group/dmcnews Yahoo! Groups Links <*> To visit your group on the web, go to: http://groups.yahoo.com/group/dmcnews/ <*> To unsubscribe from this group, send an email to: dmcnews-unsubscribe@xxxxxxxxxxxxxxx <*> Your use of Yahoo! Groups is subject to: http://docs.yahoo.com/info/terms/