[TR] TR4A sale values to contest insurance company ??valuation

[BearTranserv at aol.com]

Well, I'm kind of stuck between a rock and a hard place.  The 93  Toyota was 
the only thing I've made a claim on that I could base an opinion  on.
 
If I insist on an "agreed value" I will be stuck with collector car  
insurance issued through USAA and their policy has strick mileage and use  limits.  I 
just don't want to go there right now as I plan on using the TR4  to drive to 
work and back when the weather is appropriate.
 
When the Toyota was wrecked, I searched NADA, KBB, and Ebay, and the  
insurance company gave me more that any of those indicated.  I guess I'll  just pay 
my $200 per year for the TR4 and take my chances.
 
Robert
 
In a message dated 1/13/2008 7:47:16 PM Mountain Standard Time,  
pfischer at rmi.net writes:

I think  the issue is that your insurance company needs to be able to value 
your car in  case you have a serious claim. That is much easier on a 93 Toyota 
than a 63  TR4. (Easier for them and easier for you.) It's pretty simple to 
find a  professional reference for what your 4 is worth. Why not do that and 
call your  agent?  Say, "If my Triumph is wrecked, what are you going to give me 
for  it?" This thread started because a list member was getting a quote from 
his  insurance company on his damaged 4 that was less than he thought it was 
worth.  It's not the insurance company's fault; they're unfamiliar with the cars 
and  the cars' values. 

I had a car fire in my beloved 250 several years  back. It didn't even damage 
all that much, when you think about it, but a  restoration cost $7,000.  I 
was really, REALLY happy that I had an  agreement with my insurance company that 
stated the car was worth $12,000.  

Maybe you don't have that much invested in your British cars. Your  choice of 
course. I just don't think that ugly surprises are what insurance is  about. 



 
Robert B.  Houston
Texan in New Mexico

63 TR4

As he stared at her ample  bosom, he daydreamed of the dual Stromberg
carburetors in his vintage  Triumph, highly functional yet pleasingly formed, 
perched prominently on top of  the intake manifold, aching for experienced 
hands, the small knurled caps of the  oil dampeners begging to be inspected and 
adjusted as
described in chapter  seven of the shop manual.
Dan McKay







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