[Christien]

Form 19A is the agreed value form - it means that in the event of a write-off or theft the insurance company will pay out the agreed value, no more, no less. They require an appraisal, usually, although I've heard of companies in the past that will just tie agreed value to premiums, so the more you want to pay per month, the more coverage you get. I can't remember who/where/when I heard this, though, so I can't confirm. Might have even been american.

Form 19 is the limit the ins. co. will pay - that of the the appraisal or that of current market value. There is a HUGE difference. My new policy came with just the 19, even though it was supposed to be the 19A, so I emailed the broker immediately, who said they'll fix it. I just hope nothing happens to the car (fire or theft) between now and the new form being issued.

Paul, Lant would never know if you drove it to a store or work, but I think they say no stores, malls, etc. because that's probably where a lot of insurance claims come from - fender benders, stray grocery carts, keyings, etc. so basically you'd have no coverage in a parking lot.

The FIRST DAY I had my new-to-me 911, we stopped at the drug store on the way home. Some guy parked to the right at the same time and yep, you guessed it, hit my door with his as he opened it. I was livid, but he had his young son with him, and there was no damage, so I let it go.