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So to clarify is it an agreed value policy for $34k or $34k is just the amount that they are basing their premium on? If the latter then regardless of what you discuss now it will come down to market value at the time of the loss. If this is the case the lower they think it’s worth the better as your premium will be less. In the event of a loss you need to be prepared to argue the value of your car. This would be the case even if you were paying a premium based on an $80k car
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