Thanks Jody. As you mentioned, the important thing is to know what you have. Like me, I suspect a lot of folks don't want to go through the mental anguish of planning for the worst and then hearing the insurance they thought met their need provides something less than what they think is either right or fair. One thing for sure is that the paperwork is definately confusing and often contradictory. For example, one of ANPACs form letters defines stated value for the Chrome class as "In the event of a total loss to your specialty vehicle, ANPAC will pay you the amount shown on your policy, less deductable." I really liked that definition until I received a different letter, signed by the same person and dated two days later, that provides the the other definition for stated value (lesser of ACV, the amount to repair/replace or the amount in declaration). Nowhere does the term Agreed Value appear. Phone discussions with their rep to clarify the point (she was great by the way) made it pretty clear that the second definition that favors the insurance company is the more accurate one. Anyway, it works for me since neither of the Camaros are used for daily transporatation but I do drive the 69 Camaro every chance I get to nearby cruise ins and shows. By the way, the Chrome info letter says it has a 10,000 annual mileage allowance but the policy paperwork I got yesterday (the one that counts I suppose) says 7500. Last year's mileage really started adding up after I hit a few out of town shows, an Orlando visit to Old Town Kissimmee and a few legs of the Powertour. I think I did about 6500 so I'm still in the comfort zone.
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