You might want to start a thread on this, but I'll say I have PLPD (personal liability and property damage) coverage on my car. Basically as cheap as it goes, get nothing back and still be legal to drive. (coverage only applies when it's parked, but there's a big deductable...)
Zack -
OK, correct me if I'm wrong but what you described sounds like my coverage: legal to drive anywhere in America but if you get into an accident, they'll pay you ONLY the value of the (now very old, very high miles (typically) and verrrrrry depreciated) Festivas, which when it comes down to repairing our Festivas, leaves us essentially "self insured", right?
And yet 'Huli' and 'DriverOne' say their insurance companies will pay to REPAIR their Festys???
88L - 'Twistiva' - 'The Fusion of Man and Machine'
88LX - 'Laztiza' - Future Resurrection Project
91L - 'Mistiva' - My Daughter's DD
93L - 'Vextiva' - Airport Car
I changed my insurance, the company had a hard time believing I wanted full coverage!! ($45/mo $100 deductible!)
They had to take pictures to submit to corporate so they had a file... HA!
And I adjusted the air bypass valve, turns out the previous owner had adjusted the throttle body to not allow it to function.
Interesting, did you inquire from your agent what they will pay in case of an accident? It's very possible that a big door ding will total loss your car, certainly a dented fender will. You may want to inquire about agreed value insurance where you and the insurance company agree on the value of your car and will pay up to that amount. I do auto body work and have worked with insurance companies in NC before. This is also the first time I've heard of glass protection not being available. I've replaced insured rock chipped windshields in the past.
If you have your vehicle appraised, you can then have it insured for that amount, which covers all customization. Not only that, but 1990new received a few THOUSAND for his Festiva from his insurance company, and it was not "totalled". You just don't sign the check for the car, and push them until they do what they agreed to! You've got $50,000 in damages available to you, not the value of a $260 car.
In love with a MadScientist!:thumbright: There's a fine line between breathtaking ingenuity and "That's the stupidest thing I've ever seen!"
I finally got to drive it after, I don't know, maybe a couple of months sitting. I had lost the keys. Yesterday I welded on the muffler that had fallen off. Who knew, you can weld rust. LOL! I also put on new swaybar bushings.
Finally started replacing the driver's side auto belt on my 93. I've been putting it off since last summer. I've got the new one in and will put the interior panels back on after work. Gives me a chance to make sure the new one works right, anyway.
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