Every day you see cars on the road that cost $40- to $90-thousand or more. Most of them new and well insured.
Its not the money the trucks represent that worries me, its agravation associated with getting them repaired.
My Suburban has some hard to replace body panels. Sublime's '46 has come custom work that would worry me if I were driving it daily in poor weather conditions.
I am right now fighting with someone else's insurance company that wants to value my truck as scrap metal because its old. Somehow you need to strike a balance that works for you.
Me, I'd rather risk one that can easily be replaced using insurance company standards than risk one I've put my heart and soul into when I know they will offer pennies on my blood and sweat.
They are putting minimal dollar value on something very dear to me, and while its not really the money, the de-valuation the numbers reflect says what is important to me does not matter at all to them.
