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Re: [Healeys] insurance

To: "ruvino@ripnet.com" <ruvino@ripnet.com>, healeylist <healeys@autox.team.net>
Subject: Re: [Healeys] insurance
From: Jean Caron <vintage_roadster_restoration@hotmail.com>
Date: Fri, 7 Nov 2014 21:00:42 +0000
Delivered-to: mharc@autox.team.net
Delivered-to: healeys@autox.team.net
References: <DDEB524E615F4503BA9F3B2F2906DB03@p6520f> FILETIME=[E488BD40:01CFFACD]
The one thing to remember with insurance, it's really good when you don't need
it.

Jean

> From: ruvino@ripnet.com
> To: healeys@autox.team.net
> Date: Fri, 7 Nov 2014 13:32:42 -0500
> Subject: [Healeys] insurance
>
> A little background.
> Recently we had a break in and my wifebs jewellry was stolen. The best
> pieces had been appraised 15 years ago and were listed on the policy
> individually for which we paid an extra premium.
>
> Well when it came time for the insurance company to pay out they had the
> pieces re-appraised by their jeweller and the values came in less than what
> they had insured for. itbs a long story but buried in the policy was a
vague
> statement to the effect that they had the right to re-appraise.
>
> So after paying an extra premium for 15 years it didnbt matter, they would
> only pay what they deemed appropriate.
>
> So why this story?
>
> I got wondering about the policy on my car. I have assumed all along that
the
> appraised value is what the insurance company would pay out if say the car
> burned to the ground. I checked and was verbally given an assurance that
that
> is the case. My insurance is with Hagerty through a broker.
>
> You might want to check with your insurance company.
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