[Esel Mann]

Leeland West pulled the exact same crap on me as far as agreed valuation. They said their valuations are based upon actual sale prices. I informed them that actual sale price is private not public information and that I highly doubted the underwriters had such details (even DMV sale prices are typically manipulated for tax purposes). I then requested they provide examples from which their agreed valuations are based. That request returned the sound of crickets.....

The way it appears insurance has changed in the sense it is no longer about covering so you have total replacement. Instead it is more about covering so you don't have a total loss (parallel experience with home coverage today as well). So while my agreed value from Leeland West won't cover for a total replacement, it is enough so that I don't have a total loss. Additionally I get the added benefits of unlimited annual mileage and occasional use for errands and work commute. This ensures I am not violating coverage conditions, which if violated, the agreed value would be meaningless and the loss total.