Subject	Good luck collecting, USAA told me the same thing
Posted by	lazer(AK) on August 27, 2008 at 10:37 PM
	This message has been viewed 99 times.
In Reply To	That's what you do, you keep a file of everything you have posted by LJZTT on August 27, 2008 at 04:13 PM
Message	When it came time to total my Civic I had around $4000 in receipts for both after-market parts and the stereo system. Turns out what they only meant it to cover the stereo equipment and wheels (if I had aftermarket wheels, which I didn't). Every part on the car was considered a maintenance item....even though the car had been stolen and stripped. This included: Cold Air Intake Fuel Rail Pullies Exhaust header Catback Exhaust Springs Shocks Sway Bars Autometer Gauges etc. Even parts that weren't on their from the factory (such as strut tower bars) weren't covered even though I submitted receipts for every single item. Trust me declared value is the only way to guarantee you'll be properly compensated. "The 300ZX Turbo is a dance; it's a song; it's rolling, roaring automotive art. There is no color that doesn't suit it. There is no mood-lifting chemical substance it can't replace." - Automobile Magazine
Follow Ups	State Farm s**ks! My Z is worth too much $$$ (to me) - jgbatlantaZ 13:58:02 08/27/08 Almost every insurance company accepts stated value. - TriniTT 14:01:43 08/27/08 Not State Farm. (n/m) - jgbatlantaZ 15:48:14 08/27/08 My State Farm agent told me she would. (n/m) - Only1Z 20:32:45 08/27/08 LOL! "invested" (n/m) - BradZ (FL) 14:03:03 08/27/08 2nd. (n/m) - John B. (NJ) 16:53:51 08/27/08 I think the problem is that you've been paying insurance - en5 14:20:14 08/27/08 2nd (n/m) - Atl300zxTT 14:33:39 08/27/08 True...but it's not by my choice. I'd increase value. (n/m) - jgbatlantaZ 15:50:40 08/27/08 its is your choice though - Tikigod (Denver) 15:59:24 08/27/08 here, it might help you understand it better... - Cap927(Boston) 16:09:10 08/27/08 Not true...many stated or agreed to value insurance is - Only1Z 20:34:03 08/27/08 State Farm is the worst insurance company ever. - eriksu9 15:11:12 08/27/08 Wrong. I get better coverage than USAA at competitive - LJZTT 16:17:17 08/27/08 Again...wrong... - Only1Z 20:34:46 08/27/08 Not in my gf's case. - eriksu9 08:35:27 08/28/08 I pay just over $2K a year for 4 cars with State Farm. - Only1Z 20:34:52 08/28/08 I insure 3 vehicles (2 full coverage) for < $750 every - Dustin 21:22:19 08/27/08 Yep... - Only1Z 20:35:38 08/28/08 Allstate will with an appraisal from specified outfits. (n/m) - dpjax 15:31:57 08/27/08 Still not declared value (n/m) - lazer(AK) 16:01:57 08/27/08 wrong all-state will give you book value - Killer ZTT 16:17:44 08/27/08 My Allstate agent said he could give me declared value if - doug8867 20:02:51 08/27/08 That's what you do, you keep a file of everything you have - LJZTT 16:13:06 08/27/08 It'll still be a vicious battle - BigTDogg (MA) 16:28:36 08/27/08 Of course that's the nature of insurance, this should be a - LJZTT 16:38:53 08/27/08 Regardless once mine hits 15 yrs of age I'm switching it - LJZTT 16:43:03 08/27/08 You still have options - 96300NAZ 16:57:04 08/27/08 Right, but you have to pay a premium on the stated value - BigTDogg (MA) 19:20:05 08/27/08 I agree with you, my point was in response to - 96300NAZ 21:11:42 08/27/08 Gotcha, I see what you're saying. (n/m) - BigTDogg (MA) 22:44:25 08/27/08 Good luck collecting, USAA told me the same thing - lazer(AK) 22:37:00 08/27/08 Just remember all insurance companies have one goal - modnar 16:33:28 08/27/08 Wrong. - John B. (NJ) 16:54:48 08/27/08 yawn...so meaningless...not worth a reply (n/m) - modnar 17:49:25 08/27/08 Wow. You must be really tired... - John B. (NJ) 22:22:46 08/27/08 Exactly right. Thank you. - eriksu9 08:39:41 08/28/08 You can ask them for a 3rd party appraisal that takes your - MobZ 16:40:23 08/27/08 Higher Premium? Mine went down. - not-hrz 21:56:16 08/27/08 www.grundy.com (n/m) - Piranha(AZ) 17:20:15 08/27/08 hagerty (n/m) - zgene4 19:23:59 08/27/08 State Farm insured my last car for more than blue book - jkeyser14 20:30:13 08/27/08
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