Date:         Wed, 30 Dec 2009 12:30:57 -0500
Reply-To:     craig cowan <phishman068@GMAIL.COM>
Sender:       Vanagon Mailing List <vanagon@gerry.vanagon.com>
From:         craig cowan <phishman068@GMAIL.COM>
Subject:      Insurance..... some forethought.
Content-Type: text/plain; charset=ISO-8859-1

So I'm about to change over to a new insurance policy to get off my parents.
We're going with Erie Insurance who's been insuring us for years, but i have
some concerns maybe you guys can help settle.

First off, my van is (according to the VIN) a 1985 sunroof vanagon, in
"good" shape.
This places my bluebook value at something like $1500 or $2000.

Here's where the problem lies.....
It's now a full westfalia with a $6000 zetec engine.
By my estimates that puts the value that I could sell it at between $6000
and $10,000. Any suggestions for how to convey this to the insurance? They
will not do a state value on anything other than a collectors vehicle, and
they didn't really like the thought of an appraisal. Should I just ask them
to put a note in the file of the fact that it is now a westfalia and powered
by BOSTIG? I have plenty of photo evidence for both. Or should I just figure
upon the fact that should anything ever happen, i have all this photo
evidence and receipts that help make my argument towards its value, but
wouldn't it technically be insurance fraud for me to have them insuring a
1985 GL when in reality it's a 1985 Westfalia powered by a big engine? As
that's what I plan to collect on if anything ever happened.

Any thoughts?
I don't want them to offer me $500 and no chance to buy back after someone
else hits me.


-Craig
'85GL turned WESTY
BOSTIG in back