I don't know if this will be helpful or not. Insurance policies etc. will
vary between US states/ Canadian provinces but the reason I didn't go with
State Farm is the would not give me a "19A" rider on my policy. In Ontario,
a 19A rider guarantees replacement value based on an third party appraisal.

Thanks,
Chris Gronski
Toronto, Ontario,
'80 Westy "Pokey"
'87 Chevrolet Sprint (Ice Racer)
'91 Pontiac Firefly Convertible

----- Original Message -----
From: "John Klun" <jklun@GJ.NET>
To: <vanagon@GERRY.VANAGON.COM>
Sent: Monday, October 23, 2000 8:44 PM
Subject: Re: Crash help needed

> Go to ABC News Good Morning America Web Site.  They had a segment on this
> morning how insurance companies screw people out of money by estimating
their
> losses low.  They use private estimating companies NOT Kelley Blue Book or
the
> NADA book.  It might be worth your while.
>
> Jim Arnott wrote:
>
> > This just came in on the WetWesties list.  Could those of you who have
> > been involved in previous accident discussions please send Scott
> > suggestions on what to put into the Vanagon.com search engine to find
> > the previous threads.  I've already sent him the suggestion to join
> > vanagon if he hasn't already.
> >
> > <mailto:cls@transport.com>
> >
> > TIA.
> >
> > Jim Arnott
> > List Admin
> > WetWesties
> > Union, OR
> >
> > ~~~~~~~~~~~~~~~~~~~~
> >
> > Subject: [wetwesties] WetWesty-HELP
> >    Date: Sun, 22 Oct 2000 20:24:50 -0700
> >    From: "Scott, Lynne and Cecily" <c
> >      To: Wet Westies <wetwesties@egroups.com>
> >
> > HELP PLEASE,
> >
> > Me and, more importantly, my bought-new-in-1987,
> > never-been-in-an-accident, well-traveled Westy were broadsided by a (I
> > am trying to control my anger) stop-sign-running fool.  OUCH!  About
> > $6,000+ damage and those dear insurance folks at State Farm are
> > talking about totaling  it out.  I need your help.  I want to keep my
> > van and not get crucified monetarily.  (Non-frame, but ugly,
> > significant damage to driver's side between the wheels (stills drives
> > real straight) and interior cabinet damage.)   Who has been through
this??
> >
> > I have learned more about this 'game' in the last few days than I wish
> > I knew, but I know there is so much more to learn so I do not get
> > screwed any more than necessary.  I have North Pacific insurance.  She
> > has State Farm and they have assigned the N. MLK Ave office here in
> > Portland to deal with me.  If they won't fix it, they will give me the
> > difference between fair market value and salvage value.  I am afraid
> > they are going to try to squeeze me between a low national market
> > value and a high local salvage value.
> >
> > How do I establish value above the national averages ($6,000)?  I have
> > been doing research in recent Sunday Oregonians. Does anyone know of
> > 1984 to 1989 Westfalias currently for sale that I could use as a
> > reference point?  Anyone bought one recently?
> >
> > What is the consequences of having a 'totaled' vehicle that I
> > subsequently fix?  Are there title issues?  Are there insurance issues?
> >
> > How is State Farm to deal with?
> >
> > What questions aren't I asking but need to know the answers to?
> >
> > Broken hearted and POed in Portland,
> > Trying to remain Peaceful,
> > Scott
>