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Generally the policies are "declared valued" which means that you state the approximate market value at inception so they may calculate the premium based in part at the cost of the asset at risk. At the time of a claim, in the event of a total loss, they will research and determine "fair market value." That value could go up or down but in no event will it exceed the policy limits. This differs slightly from a "stated value" policy where the limits are paid as a matter of routine in the event of a total loss. If you declare the value correctly and have a claim, it will be a little tougher to have the "fair market value" reach the "declared value" (Policy limits) but not impossible - specially ifin you know the tricks / road / process.
Got a contact number and do they sell in Kansas?
Use the force:http://lmgtfy.com/?q=sandseeker+insurance&l=1
That just means the agent is not licensed in those states (Stupid - easy process and he could expand his market - Whatever.....) Fix? Simple - find another agent - you are looking for the carrier, not the agent. here is the carrier:http://www.foremost.com/products/do an agent search and it will be just fine.
I've been doing some research about Foremost insurance. Web stuff is not positive but is not anything buggy related that I can find. Anyone here -in Kansas-have any experience with a buggy claim of any kind and Foremost?