The Stovebolt Site Forums The Shop Area General Truck Talk Truck insurance

I'm getting close to finishing my truck and am starting to think about insurance. From previous threads on this topic it seems like you should get 'appraised value' and not 'stated value' because with stated value if you have a claim they don't pay your stated value, they give you blue book. If you've spent 20k rodding or restoring your truck, book value wouldn't come close to making you happy. Also, the cost to repair any sort of minor fender bender will exceed the 3/4 of the book value of an old truck, so they'll total you out and give you the 3/4 of book.