[tirwin]

Good discussion.

Here is an interesting note. When I talked to the current insurer I asked them why they were NOT willing to increase the agreed value and their competitors were, they claimed they were concerned about insurance fraud risk. I find it hard to believe that their competitors wouldn't have the same concern. It's not like I asked for a $100k agreed value. I offered to send recent pics of the car and they said it didn't matter to them.

With the market trending up, it's definitely safer to be over-insured versus under-insured.