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06-30-2012, 04:36 PM
  #380
Sinurgy
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Join Date: Feb 2004
Location: Tempe, AZ
Posts: 8,042
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It highly depends on the vehicle you have and the condition it's in...a couple of examples:

1) You have a 2010 Infiniti G37S that you've done a lot of work to, suspension, brakes, engine, etc. It gets stolen, your insurance company now hands you a check for the value of a 2010 Infinit G37S. Granted some allow you to specify when you add considerable value to your car and they will take it into consideration when reimbursing you but even then you're still on the hook for hundreds or even thousands of dollars in installation fees (unless you know how to wrench your own twin turbo...hint...you don't). Lastly even if you have the best insurance in the world and they handle everything beautifully (lol...fantasy land), you're looking at months before you're even remotely back into a similar vehicle. People who drive a stock Toyota Corolla may not give a rats ass but to people who are into their cars that seriously sucks!

2) You have an old beater '85 Chevy pickup. It's actually in solid condition all things considered and showing no signs of breaking down anytime soon. It gets stolen and the insurance company hands you a check for the value of an '85 Chevy pickup, i.e. they basically won't give you crap. You lost a perfectly good working vehicle and you won't be able to replace it. Even if you're lucky enough to have the insurance company give you a little extra, the odds of you finding an old beater 85 pickup you can have confidence in is quite remote.

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