Contour Enthusiasts Group Archives Forums General Common Interests St. Paul Travelers - Horrible Insurance Co.

Nearly every aspect of insurance varies from state to state.

If a Yugo with a $20K paint job has an FMV of $750, all the tortfeasor's liability carrier should have to pay is that FMV of $750.

Meanwhile, with a different situation, where one's car is damaged and repaired but not totaled out, look into keeping the property damage claim open for "diminished value."

Careful, diminshed value is not an accepted practice in every state/market.

The other thing I forgot to mention is that if you want certain things covered you can have them specifically written into your policy. If you have a big stereo or an expensive something or other that you want covered, you can have it added to your policy thru an endorsement but it will increase your premium.