Liability only or full coverage
#1
Liability only or full coverage
What’s everyone carrying for auto insurance on their rig? Any payout experience and how did it turn out? Book value is very low and certainly below what I have invested in mods. Changed to liability only cause I figure it would be a fight to recover what I think it’s worth unless I get an appraisal.
#3
I have liability and comprehensive, but not collision. It's old and not worth very much "by the book." I think that a lot of it depends on what is included/mandated in your insurance. For some carriers and localities aftermarket and custom parts and accessories are covered and some are not. If you have a lot of money tied up in custom parts its probably worth checking out to see what of that (if anything) is covered as it might be an additional coverage you can opt in to if you want.
#4
i carried full coverage on my stock '04. we had some snow and ice last year and my daughter slid into the car in front of her.
insurance totalled out the Discovery due to bumper, hood and driver's side fender damage. we got a check for a little over $6,000.00. i bought the Rover back from the insurance company, bent the fender back in place , bought and installed a used hood (same color as the truck) and bought and installed an aftermarket steel bumper. shoot. probably the only Rover i've made money on. i now only carry liability on that one mainly because i have five (5) drivers in the house and need to keep the costs down.
insurance totalled out the Discovery due to bumper, hood and driver's side fender damage. we got a check for a little over $6,000.00. i bought the Rover back from the insurance company, bent the fender back in place , bought and installed a used hood (same color as the truck) and bought and installed an aftermarket steel bumper. shoot. probably the only Rover i've made money on. i now only carry liability on that one mainly because i have five (5) drivers in the house and need to keep the costs down.
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