Rubi_Chill

Just trying to help out the guys who were "told by thier agent they are covered". Seems like some people might have trouble down the road if something comes up.

RMucho

I'm in the insurance industry on the claims side and it's sad how many agents DON'T know what they are selling!!

Irish JK

So I spoke another agent at Rally's today. They gave me a quote based of an initial valuation I provided for an Agreed Value Policy. We went back and forth for a bit on one sticking point. Standard for the industry is to provide replacement value for aftermarket parts but provide no money for labor.

After quite a bit of explanation, he agreed that it is not the same as typical in which for example they would not provide reimbursement for labor to install new wheels and tires. What I am after is to make sure the big labor items that are more custom work will be covered in the event of a total loss.

I am going to move forward with Rally's to the next step which will be to submit my request for an Agreed Value to their Underwriter's. If they agree, all is well and if not, we will bring in an independent appraiser and go from there.

FYI for anyone interested, Rally's policy will not include any coverage whatsoever at any point off roading.

Matthewd5

Interesting...please let those of us who are seriously interested know how it goes and if ok with them, share the contact info for the specific person your dealing with as you've educated him and it would suck to have to do that all over again

Matthew