Stolen Bronco - Advice
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New User
Joined: Oct 2003
Posts: 11
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From: SoCal
Stolen Bronco - Advice
My 86 Bronco was stolen 3 weeks ago. I'm trying to get fair compensation from the insurance co, but they base everything on KBB. I provided the insurance co with info/receipts for my custom work (installed 94 front clip, shaved all trim, newly painted, etc) but this is meaningless to them.
Anyone know of a resource I could use to convince them of my truck's value? i.e. where can I find similar vehicles with prices assigned to them?
PS if you see a Bronco with mismatched bodylines in SoCal, call the cops!
Anyone know of a resource I could use to convince them of my truck's value? i.e. where can I find similar vehicles with prices assigned to them?
PS if you see a Bronco with mismatched bodylines in SoCal, call the cops!
Freshman User
Joined: Aug 2003
Posts: 29
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From: Alabama
Stolen Bronco
Sorry to here. I have had car totaled which is pretty much the same. Your best bet is to survey your area. Get as many selling prices for Broncos similar to yours. If you can not find alot in your area get prices from surrounding areas. Ins. companies hire companies to do these. Those companies are just looking at every Bronco so they can get a average. I increased my claim $4000.00 by doing some leg work. Make sure you have prices in writing. Traderonline is a good source because you can pick areas and print out ads. Good luck.
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Joined: Oct 2003
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From: Livermore
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Joined: Oct 2003
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From: SoCal
Thanks for all the suggestions, guys! After lots of extra work, State Farm sent my claim to a classic car appraiser. Looks like I'm getting close to $7,000...well above the Blue Book $3,000. I still miss my little burro, but will be shopping for a 66-73 to replace it.
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Elder User
Joined: May 2003
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From: Orlando, FL
Sorry about your luck. I just got done dealing with the insurance companies for a break in to me Bronco. I know it is a pain but if you stick with it you'll get what is yours. Also who is your insurance carrier. I go with State Auto and had always thought about going with someone a little less expensive until all of this happened but now I am grateful that I paid a little extra to save myself from all of the hassle. Good Luck.
Postmaster
Joined: Sep 2003
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From: Southern NH
This might be hind sight. But I've learned from past experience that if you are shelling out bucks to make mods on your trucks, you need to document it as you are going along. Eventually, you need to walk into your insurance brokers office, hand him/her the copies of receipts for what you have, so they can keep it on file. Then you need to make sure that you have THEM take pictures of your truck. They then put these in your file, and your covered. This is something I've learned from being around motorcyles.
I'm glad that you ended up getting a decent payout. It was worth all of the headaches you went through.
Good luck on finding your new rig!
I'm glad that you ended up getting a decent payout. It was worth all of the headaches you went through.
Good luck on finding your new rig!
Laughing Gas
Joined: Mar 2000
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From: USA
What I did with my 1984 Bronco XLT in Massachusetts was I took it to be appraised (Cost me $80) because the truck came from Cali, and having a 1984 Bronco in Mass with NO RUST is quite amazing....
It was appraised for $4800 so that is what I insure it for... It is called Insuring for a Stated Value / Amount. I have metropolitan insurance.
It was appraised for $4800 so that is what I insure it for... It is called Insuring for a Stated Value / Amount. I have metropolitan insurance.
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From: SoCal
NH, you are so right. Luckily I kept every receipt, from the tow truck trip home on the first day to the front clip swap. The hardest part was explaining to the insurance guys (who are NOT gearheads) what all the receipts "meant."
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Joined: Nov 2003
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From: Thule AFB, Greenland
Cograts on the deal! This is just an opinion, but if you are going to make high dollar mods or accessory installs it's probably better if you get extra insurance for these items. I had a 4runner that was built, I took out $3500 worth of extra insurance on it. I should have gotten more on it but I guess I wasn't thinking. Well one day I flipped it, long story....they are very unstable. When the insurance company came out they realized that I had more then $5000 worth of add ons. They gave me retail ($8500) and the $3500 with no questions asked. The agent also let me keep the ARB bumper, warn9000, nerf bars, Optima batteries, and the CB. The other items on the truck had to stay. Not to bad of a deal. Bottom line is I only paid $90 for 6 months of this extra insurance and when it came to getting the money that I put into the vehicle back out there were no problems. Good luck with your search for the early year. They are nice trucks.
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Joined: Oct 2003
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From: SoCal
That is excellent advice, especially when I decide on my next project. But stupidly, since at the time of purchase my rig was such a POS, I always had that "no-one-would-ever-want-to-steal-my-truck" mindset. Of course I hadn't considered the accident scenario. What I know now is that SOMEONE will steal anything so I'm working on kill-switch ideas and anti-theft devices for my future vehicle. For now, I'm left with my pathetic jar full of the broken window glass left behind. I haven't even had the heart to take the keys off my keyring yet...
Elder User
Joined: Mar 2003
Posts: 522
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From: Warren, MI
awwww :-(
FYI,
You could make some kinda switch to connect your (Hot) starter wire from the starter relay. With this disconnected it wont go any where cept maybe on a flatbed.
Adam
Just cant think where you could put it.
FYI,
You could make some kinda switch to connect your (Hot) starter wire from the starter relay. With this disconnected it wont go any where cept maybe on a flatbed.
Adam
Just cant think where you could put it.