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Extra car insurance
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Registered User regular
Registered User regular
So I recently totaled my car. I loved that thing. And sure enough I only got so much from the insurance company.
I absolutely could not find a decent replacement. It was a Acura RSX, and everyone was beat and modded to hell and back which is to be expected.
So I started looking backwards at the previous model, the Integra GSR. I found one that was absolutely mint. I couldn't believe it existed to be honest.
I snatched it up. Hoping to not have the same issue happen again I visited my insurance agent and said I wanted to give them more money.
They said they couldn't do that. They could only insure at market value. I told them I paid twice the blue book value and wanted to insure it as such. They said they could not. I asked if there was anything I could do and he said "save your money and buy a better car".
A neighbor suggested Hagerty (lolz), which he uses. However the car isn't in their books, so they won't insure it either.
I did phone my insurance company after going to the local branch. They had basically the same answer but said I could speak to my agent about an umbrella policy.
However considering what I was asking him before I don't see this being a possibility.
Where can I get extra insurance? Surely there is an agency that isn't as exclusive as Hagerty but less shitty than my basic insurance. Edit: and that's Erie Insurance for the curious. I'm a resident of PA in the USA.
I absolutely could not find a decent replacement. It was a Acura RSX, and everyone was beat and modded to hell and back which is to be expected.
So I started looking backwards at the previous model, the Integra GSR. I found one that was absolutely mint. I couldn't believe it existed to be honest.
I snatched it up. Hoping to not have the same issue happen again I visited my insurance agent and said I wanted to give them more money.
They said they couldn't do that. They could only insure at market value. I told them I paid twice the blue book value and wanted to insure it as such. They said they could not. I asked if there was anything I could do and he said "save your money and buy a better car".
A neighbor suggested Hagerty (lolz), which he uses. However the car isn't in their books, so they won't insure it either.
I did phone my insurance company after going to the local branch. They had basically the same answer but said I could speak to my agent about an umbrella policy.
However considering what I was asking him before I don't see this being a possibility.
Where can I get extra insurance? Surely there is an agency that isn't as exclusive as Hagerty but less shitty than my basic insurance. Edit: and that's Erie Insurance for the curious. I'm a resident of PA in the USA.
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I'd call the insurance providers you want to use and ask about their plans that use Agreed Value instead of Market Value for payments in the event of the vehicle being totaled.