Every time I have discussed "agreed value" insurance with an agent or
company representative the upshot has been that I can have unrestricted use
of my vehicle, with maximum payout in case of an accident being the lesser
of market value (defined by the company) or cost to repair (again defined
by the company), or I can have "agreed value" insurance but with greatly
restricted use.  One unacceptable restriction is that it can only be driven
on paved roads.  Another is that it cannot be driven more than a certain
number of miles per year, and then only for explicit purposes.

I have found no company that would sell me a policy with an "agreed value"
without those restrictions.

If you know how to get "agreed value" insurance without the restrictions on
use, please let us all know.

And please don't say that one can get "stated value" insurance and avoid
the restrictions.  I have discussed stated value insurance, and discovered
that the companies will be happy to sell you a policy with a "stated
value," but that the coverage is still for the lesser of current market
value or cost to repair (again defined by the company), stated value not
withstanding.  All "stated value" means is that you told the company that
you believe the vehicle to be worth that amount.

mcneely

On Fri, Sep 1, 2017 at 9:01 AM, kenneth wilford (Van-Again) <
kenwilfy@comcast.net> wrote:

> That is why you want to have them fully insured with "agreed value"
> insurance so that if something like this happens you get all of the money
> you need to buy another one and you don't have to worry about accidents.
>
> Ken
>
> On Fri, Sep 1, 2017 at 11:47 AM, Don Hanson <dhanson928@gmail.com> wrote:
>
> > I just heard from a Vanagon acquaintance who sold his Westie for ~$20k.
> > He narrowly avoiding a serious smashup that would have totalled it.
> >  Someone offered the big bucks and he decided to move to a different van
> > and no longer risk using his very  valuable Vanagon like he always has...
> >      Yes, the  Vanagons are "in"... kiss em goodbye as cheap utility
> daily
> > drivers...
> >
>
>
>
> --
> Thanks,
> Ken Wilford
> John 3:16
> www.vanagain.com
>