He should give the car to a local body shop, file a claim against his
own comprehensive insurance, and forget about it. The body shop
can then spend the time grubbing around for the fender, and his own
insurance will simply bill the other insurance company the thousands
of bucks it will take to pay for someone at the body shop to round
up the fender.
On Mon, 7 May 2007 02:24:15 -0700, "Ted Mittelstaedt"
Of course not - they're an insurance company, it's their job to look
for any excuse to not pay out on claims. You have to force the issue
most of the time.
That won't work - Even if you have comprehensive coverage on a 45
year old car the insurance company will just declare "It's totaled,
it's worth $300, here's your money hand us the car and we'll drop it
off at the scrap yard. Problem solved. Oh, and now you have a claims
history, so your rates are going up on your new car."
There ARE still body men out there who can fix a mashed fender
through proper metalworking, but they are a vanishing breed.
Especially now that they build cars out of tinfoil - but a 1961 car is
going to be made of stout enough steel that it can be done. That
said, if he can find a replacement it's probably better in terms of
--<< Bruce >>--
On Mon, 07 May 2007 16:02:03 GMT, Bruce L. Bergman
The above is simply not true.
Most collector cars are insured under a "stated value" provision in a
collector car policy. As a matter of fact, that's generally the only
way to obtain collision insurance on collector cars.
If you've paid for $5000 of insured value, for example, the insurance
company is then bound to pay up to $5000 for the repair or replacement
of the car.
I had this happen. A fellow with Geico insurance rear ended my 1967
Mercedes-Benz 250S. The entire trunk was pushed in. Geico wanted to
total it. I said " no way, it's insured for a cash value of $4500 (at
the time) and I wanted it fixed". I showed the Geico rep my collector
car policy and he admitted that his customer's insurance had to insure
it for at least that much since I was covered.
They fixed it to the tune of a bill nearly $4000.
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