<HTML><FONT FACE=arial,helvetica><FONT SIZE=2>For everyone's reference before a collision event.
<BR> Insure.com @ http://www.insure.com/auto/
<BR>Check the "The Basics" section, and go to the "Total car: Payments" and other <BR>"Totaled car:..." topics.
<BR>There are some interesting information, such as an Allstate training manual <BR>with scripts for their claims representatives, and a State Farm internal memo <BR>connected with ongoing litigation.
<BR>Why I am forwarding this information is:
<BR>After spending some months with #$&**@## Allstate Insurance , this Insure.com <BR>website could have helped me through my protracted negotiations regarding my <BR>totaled '91 200tq. The basic problems were the mileage, and after-market <BR>modifications, and the low-ball offer I would not accept, until an <BR>independent appraiser increased their valuation by 50%. So I figure the <BR>aggravation was worth it after all, (I bought the salvage, so now I have to <BR>do something with the wreck in my driveway!).
<BR>BTW, I have a couple of spreadsheets for my accessories, and a market survey <BR>of comparable cars (stock and modified) if anyone wants copies for your use <BR>disputing an insurance valuation for your '91 200, or use as a template for <BR>your other S-car.
<BR>Contact me directly if you want.
<BR>Hope this will help (if needed).
<BR>Gary Anderson in Seattle.