Hi John,

I may be only seeing part of the email chain here as my google tends to put a lot of my vanagon oriented 
emails into the junk file… not so bueno.

I had a similar question a few years back on this forum and found great help.
One of the members pointed me to a Farmers Insurance agent in Sacramento who was super.
We set up an independent auto appraiser to evaluate my westfalia (at my expense) 
and used the reported value to insure full coverage against.

If your in CA and interested, I could send you the agents info.

Cheers,
Jvk

> On May 9, 2017, at 3:19 PM, Chris S <szpejankowski@GMAIL.COM> wrote:
> 
> I had this talk with my State Farm insurance agent. They will pay book for both my Westy and my 64 Splitty. 
> 
> The other question is what will the driver's at fault insurance pay?
> 
> Chris
> 
> Dnia 09.05.2017 o godz. 18:10 John Rodgers <jrodgers113@GMAIL.COM> napisał(a):
> 
>> 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