This is true and once I have everything done I may look to get agreed-value insurance for all four of my cars... the problem with insurance companies is that they all are a scam!
They are in the business to make money from their customers so in the event you get rear ended by some dumbass teenager texting while driving, we take a loss on our cars because of current value vs cost of repair.
I went thru this BS with my M3 a few years back because I tapped someone's car, caused $600 damage to their car and on my M3 I had to replace a passenger headlight assembly, front radiator support, and a hood. There was also some damage to my bumper which would be part of all this and the cost of all necessary parts (hood, front radiator support, and passenger headlight assembly) as well as repainting of the hood, fenders and bumper would have totalled my M3 due to mileage (181k at the time of the accident) so I kept the insurance out of it and did all the repairs myself out of pocket. Did it hurt? Hell yes it did because my insurance rates went up and I had to pay out of pocket to fully repair my M3... but I kept it from getting totalled and having a salvage title as well as having to deal with buying my car back... I did not want to go thru those headaches.
- no worries on derailing my thread
You will love the SF Bay AreaBeautiful! Derek (Derbo) is in this area as well as a few other enthusiasts... lots of awesome opportunities for photo ops with your car. Jelly.....
When I repaint my ZHP I will be looking to have the hood, doors, side skirts, front and rear bumpers removed and have the car properly prepped and repainted... the rear driver's side door has damage and poor repairs on it so it looks like either a door replacement or replace the door skin.... that too will add to the cost but I want to have this car done right without any taped lines showing... all this requires a lot of work and will end up costing a pretty penny but to me it will be worth having my ZHP back to pristine condition no matter the mileage...at least this is my goal...
Then there are the Style 135 wheels... yes, I will either have them replaced or reconditioned back to brand new like condition... as heavy as these wheels are, they still look the best on the ZHP to me.
Ain't that the truth!!!