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I look at Insurance differently. I want agreed value. I don't care that the modifications hurt the value at auction because I'm not selling at auction. I'm deciding what it will cost in time and money to replace my car.
If you look at the $40k cars for sale and then look at your (beautiful, detailed, enthusiast owned example) car how much will it cost you to get back to where you are now? I bet that number is closer to $60k. I would go for Agreed value somewhere in the $50k range.
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Derrick
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