Sorry to use the wrong word.
My policy is AGREED upon value. I spoke to my agent, went and got a new appraisal, presented the appraisal with pictures to my agent, had my agent view my car personally. My agent then wrote up the policy based on the appraisal showing the value we agreed upon and had me sign it. When I moved all I needed to do was show the new agent the car and the same policy just went from one state to another.
If my car (which would now need to be towed) were taken from me I would simply get a check for the value stated on the policy. I have asked this question many times and each time I am given the reply of "your policy states the value you agreed to and that we agreed to, your car is fully covered for that value".
This is with American Family and there are limits. The car is not street legal but does carry plates. I am allowed to drive the car to shows and to races along with car cruises. That is fine with me as I have a daily driver that is street legal and does not have blacked out windows making it an even larger cop magnet like the Buick. Plus, I live less than a block away from the police department. Nobody gets their car messed with where I live. The worst thing to happen to my daily is some idiot snagged on it. No biggie, car wash and thats gone.
My policy is AGREED upon value. I spoke to my agent, went and got a new appraisal, presented the appraisal with pictures to my agent, had my agent view my car personally. My agent then wrote up the policy based on the appraisal showing the value we agreed upon and had me sign it. When I moved all I needed to do was show the new agent the car and the same policy just went from one state to another.
If my car (which would now need to be towed) were taken from me I would simply get a check for the value stated on the policy. I have asked this question many times and each time I am given the reply of "your policy states the value you agreed to and that we agreed to, your car is fully covered for that value".
This is with American Family and there are limits. The car is not street legal but does carry plates. I am allowed to drive the car to shows and to races along with car cruises. That is fine with me as I have a daily driver that is street legal and does not have blacked out windows making it an even larger cop magnet like the Buick. Plus, I live less than a block away from the police department. Nobody gets their car messed with where I live. The worst thing to happen to my daily is some idiot snagged on it. No biggie, car wash and thats gone.