Quote:
Originally Posted by JMS935
It sure seems like a pointless conversation to have with your insurance agent if it’s not an agreed value policy. One in which the agent you’d think would’ve made it very clear that there is no point to this question since your policy isn’t written as such. If this is the case, it also confirms my earlier point, that you need an equally good agent to go with your insurance company.
And while mine are insured for limited use, I’d think that unless you’re daily driving this, there’s a policy that would work. But if this is being daily driven, then the whole value issue become somewhat moot, as it’s being driven to such a diminished level it really shouldn’t be a factor anyways.
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I think it’s an important conversation for the agent to have because he may learn that you think your car is worth way more than his computer screen is saying the car is worth. It is his duty to warn you of the potential worst case scenario. My agent did this with me and I simply told him not to worry as their computer is wrong and I feel like I would have no problem proving my cars are worth considerably more. In the event that someone just perceives their car as being worth more an agreed value policy is pertinent.