[brp914]

I have AAA for my classics, house, and regular cars/bikes. Very reasonable.

I survived a James Dean type crash. Lady swerved left in front of me. I swerved out of her way to give her the left turn she shouldn't have tried to make. Instead, she drove straight into me. She admitted her fault. AAA was quick to offer agreed value settelment. Problem was, I had installed $15k parts and put in countless hours work, but never updated my policy. I had to haggle with the other party's insurance. I realize insurance co's aren't charities, but they low-balled me with 1/3 less than I had paid only a year earlier, plus they would only give a pittance for the wrecked car which they would keep! I told them I'd buy all beautifully restored '65 GTs they can find for their offer price. Weird they never found any! They got bombarded with my receipts and comparables listings. They finally relented, but not before a rogue tow co scammed AAA and a shop tried to scam me for the wreck.

Moral: agreed value, and keep it current.