I haven't had a wreck yet, but need to know where I stand and I'm not
getting it from my current insurer.

Lately I have easily rebuildable vans toalec by the company simply because
the vans are old and parts aren't readily available at the local car
dealers. I asked my insurer to explain it to me.

Turns out I my coverage pays "depreciated value at the time of accident!" +
20% according to your policy. I said who determines value. Answer:
independent claims adjuster. My comment - that's not good enough - my car
value according to NADA just went up three thousand. How is he going to
jusify "depreceated value when prices are rising?" He said think you need
to talk to the adjuster. My comment "I need a new insurance company!"

Guys and gals, I need some input on the subject of insurace, I can see this
is going to get sticky. I would like to consider all passibilities. Comment
and suggestion appreciated.

John