the first thing i recommend to anyone is to first check with the provider for the insurance on your daily drivers. because i insure my daily vehicles through state farm, they hook me up big time with agreed value policies on my classics. by hook up i mean i pay about $20 a year for my 54 and have a $20,000 replacement value(that needs upped again) and around $100 a year for my cadillac. I had an accident with the caddy 2 years ago - the "blue book" value was around $700 on the car but the NADA collector value was around $4,300. so instead of claiming it was worth $700 and trying to total it out on the $900 of damage, they were cool and went the proper way basing it on the collector value and not the plain old "27 year old american car" blue book value.
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