ThroughTheStep
Newbie
That's really too bad, vehicle fires are terrible. It's a little late for this to be helpful to you, but here's how I've set up my insurance.
Bought my truck for $5200 a few years ago, dumped a bunch of money into it, and got it appraised. It doesn't quite cover what I've got into it, but pretty close. It's not insured as a classic, still my daily, but now my insurance company has to give me the appraisal value if it gets totalled. And my premiums actually went DOWN (I got a whopping $14 back) because my deductible went from $1000 to $2500, which is fine because I wouldn't claim anything lower than that anyways.
This is in Canada, and maybe not all insurance companies work like this, but hopefully it's helpful to someone.
Bought my truck for $5200 a few years ago, dumped a bunch of money into it, and got it appraised. It doesn't quite cover what I've got into it, but pretty close. It's not insured as a classic, still my daily, but now my insurance company has to give me the appraisal value if it gets totalled. And my premiums actually went DOWN (I got a whopping $14 back) because my deductible went from $1000 to $2500, which is fine because I wouldn't claim anything lower than that anyways.
This is in Canada, and maybe not all insurance companies work like this, but hopefully it's helpful to someone.
