I have used Statefarm for over 15 years and they have always been amazing except for when it comes to valuable older cars that arent antiques. I had a 1993 Mustang that I valued around $10k and when some old lady crushed the fire out of it I got screwed big time. My 1969 Chevelle has a antique stated value but they offer no such thing for a1992 Mustang.
Are there other insurance companies that offer some kind of better coverage? What I am looking for is something similar to this:
- Insurance company collects pictures and maybe on-site inspection of the car
- Stated value is determined, say $8000 for an example
- If the car is smashed/totaled I will not be handed a check for $3000
- A bonus would be if the car is hit at all I would be compensated for the loss in value. Currently it has a totally clean carfax/no wrecks.
Are there other insurance companies that offer some kind of better coverage? What I am looking for is something similar to this:
- Insurance company collects pictures and maybe on-site inspection of the car
- Stated value is determined, say $8000 for an example
- If the car is smashed/totaled I will not be handed a check for $3000
- A bonus would be if the car is hit at all I would be compensated for the loss in value. Currently it has a totally clean carfax/no wrecks.