At 6/21/02 12:26 PM, you wrote:
>Yes. The premium you pay is based on the insurance company's
>understanding of its value. If the value changes, based on your
>improvements, you haven't paid the right premium, and they're not
>obligated to pay for their value if damaged or totalled.
>
>In other words, you've paid the premium to insure the basic van.
>Improvements would have cost you (not significantly) more premium to
>have them insured, if you had paid this.
>
>Dave
>--
>Dave Carpenter

I feel like the fact that they think the van is just a basic vanagon (or at
least are trying to say that at this point) is their mistake or fraud, not
mine.  The van was built as a GL Wolfsburg Weekender.  The only upgrading I
have done is to add the stove and sink cabinet.  I feel like the rest of my
interior swapping was really more of a "restoration" than an "upgrade."  I
took out trashy, worn out interior and put in similar pieces in much better
condition.   My contention is that as a GL Wolfsburg Weekender in good
condition, with 172,000 miles on it, with AT and AC, that $3000-3500  is a
more realistic value than $1200-1400.

Edward