At 6/21/02 12:26 PM, you wrote: >Yes. The premium you pay is based on the insurance company's >understanding of its value. If the value changes, based on your >improvements, you haven't paid the right premium, and they're not >obligated to pay for their value if damaged or totalled. > >In other words, you've paid the premium to insure the basic van. >Improvements would have cost you (not significantly) more premium to >have them insured, if you had paid this. > >Dave >-- >Dave Carpenter I feel like the fact that they think the van is just a basic vanagon (or at least are trying to say that at this point) is their mistake or fraud, not mine. The van was built as a GL Wolfsburg Weekender. The only upgrading I have done is to add the stove and sink cabinet. I feel like the rest of my interior swapping was really more of a "restoration" than an "upgrade." I took out trashy, worn out interior and put in similar pieces in much better condition. My contention is that as a GL Wolfsburg Weekender in good condition, with 172,000 miles on it, with AT and AC, that $3000-3500 is a more realistic value than $1200-1400. Edward |
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