[W126 Coupe] Re Body Parts

[DCrawford at tompkinsinc.com]

The recent MBCA magazine had an article on insurance.  After reading it, I
called my agent to find out about "stated value".  Also, I asked how the
insurance company would value my car if it were totaled.  

As for how it would be valued, an adjuster would be called upon to look the
car over, history, record of maintenance, etc and then make a determination.

The response from the underwriter as to how the insurance rate was set was
that the rates were influenced by the fact that the car could be valued at
any where from 2.500 to 23,000 depending on condition, history, etc.  My 84
has 94,000 miles, paint is in excellent condition, and the car has a full
maintenance history that would show it has been kept up to MB factory specs.
BTW, the car is my daily driver, not a garage queen.  I asked for a stated
value of 11,000 and got a $300 reduction in my annual premium. 

The reduction was due to the fact the the underwriter no longer had to cover
a potential loss of well over 20K.

Moral of the story?  Check with your agent to see how your rates are actually
generated - you, too may find that a stated value could save money as well as
significantly reduce conflict with an adjuster at some time in the future.

Dave Crawford
White 84 SEC with blue interior

-----Original Message-----
From:	Doug Gavin [mailto:dlg1936 at gmail.com]
Sent:	Fri 9/17/2010 12:57 PM
To:	mbcoupes at mbcoupes.com
Cc:	
Subject:	[W126 Coupe] Re Body Parts


Another perspective and possible solution for repair of your Coupe

Recently I was forced off the road in my '90 Coupe. Sideswiped a telephone
pole from the front all the way to the rear and had some under body and
suspension damage. Both my insurer Allstate and Farmers the offender's
insurer valued the Coupe in excellent condition with 90K miles at $7800.
Fortunately I had collision coverage with Allstate and although Farmers
wanted to total the car, Allstate told me it was my prerogative to use my
collision coverage and repair the car. Allstate will subjugate with Farmers
for the nearly $9000 to fix the car. My Coupe looks better than ever because
the body shop painted more than was initially covered because of a color
matching issue. Plus, two new chrome wheels which replaced 20 year old
wheels that looked 20 years old. . Most thought I was crazy to push for the
repair with such determination but they just don't understand these cars and
where would I find as nice one owner under 90 K mile car with all of repair
investments I've made to preserve the car? Or better yet buy a used whatever
for the $7800 and regret not fixing the Coupe. Good luck with your situation

Doug in Houston

On Fri, Sep 17, 2010 at 11:15 AM, <mbcoupes-request at mbcoupes.com> wrote:


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>   1. Re: body parts (Ernie Stephens)

>   2. 380 SEC 1983 Model For Sale (kashella at comcast.net)

>

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> ----------------------------------------------------------------------

>

> Message: 1

> Date: Thu, 16 Sep 2010 14:30:28 -0600

> From: "Ernie Stephens" <stevetsg at msn.com>

> Subject: Re: [W126 Coupe] body parts

> To: "Richard & Nancy Diefenbach" <diefenbach at kingcon.com>,      "Mercedes

>        Coupes Mailing Lists" <mbcoupes at mbcoupes.com>

> Message-ID: <SNT137-ds29A16C8954B487F674D36D47A0 at phx.gbl>

> Content-Type: text/plain; charset="iso-8859-1"

>

> Because there are still plenty of 560 SEC's available to establish the ACV,

>  I would choose not to go stated value unless my vehicle had been modified

> extensively and had greater value than the average comparable vehicle.  For

> example: I currently own a 1958 Corvette which has been greatly modified

and

> no longer resembles a factory issue  . . . I had to go "stated value" and

> pay the insurance company a higher premium for the higher coverage.

Because

> you can only legally insure that which you have insurable interest in  you

> should expect that you will have to have a qualified appraisal  to file

with

> your insurance company.  In other words, you can not insure your car for

> more than what it is worth. ( all of this, of course, is based on

California

> Insurance Law).

> Ernie

>  ----- Original Message -----

>  From: Richard & Nancy Diefenbach<mailto:diefenbach at kingcon.com>

>  To: Mercedes Coupes Mailing Lists<mailto:mbcoupes at mbcoupes.com>

>  Sent: Thursday, September 16, 2010 6:24 AM

>  Subject: Re: [W126 Coupe] body parts

>

>

>  Folks:   We had this discussion not long ago and this is a perfect example

> that one should insure his or her vehicle as "Stated Value".  You get an

> appraisal for the value of your vehicle and you and your insurance company

> agree that in case of an accident or a "total" you will be reimbursed for

> the stated value.

>

>  If anyone has insurance experience and would like to enhance this

> statement please jump in.  It's important to all of us that we get

> reimbursed for our vehicles that we so lovingly care for.

>

>  Dick

>  Danville, VT

>

>

>    Kent,

>

>    I am not familiar with your insurance laws but the agreements in the

> states is that the insurance company is obligated to pay for the damage to

> your car or give you enough money to replace it with a similar vehicle,

> (whichever is the lesser in cost to the insurance company).  If your

> insurance laws speak of ACV (actual cash value), the insurance company has

> an obligation to show you the vehicle that they based their ACV settlement

> offer on.  If they are a fair company they should be able to do this and

you

> should be able to take the money and buy that vehicle.  As for your 89

> 560SEC; if you want to keep it for parts you should be able to buy it back

> from the insurance company for a reasonable price.

>

>    Good luck,

>    Ernie Stephens

>

>    ---- Original Message -----

>      From: Kent Kihl<mailto:kent at macumba.co.za>

>      To: mbcoupes at mbcoupes.com<mailto:mbcoupes at mbcoupes.com>

>      Sent: Wednesday, September 15, 2010 8:53 AM

>      Subject: [W126 Coupe] body parts

>

>

>      Hi

>

>      I had an accident on Sunday, someone hit me on the rear right side,

> behind the filling cap. I thought it would cost about R15.000-20.000,

(about

> USD 2.500). Today I was told by the body shop that it will cost closer to

> USD 9.000, and the insurance company will probably prefer to pay the value

> (their value) instead of repairing it. I have spent close to USD 25.000,

the

> car is in excellent condition and only got 197.000 kilometre. Where can I

> find second hand parts, rear bumper (lower plastic), right rear light,

right

> rear chrome bumper. Anyone in South Africa that knows about a breaker with

a

> 560 SEC (mine is a white 1989).

>

>

>

>      Kent

>

>      Cape Town

>

>

>

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> Message: 2

> Date: Fri, 17 Sep 2010 01:54:17 +0000 (UTC)

> From: kashella at comcast.net

> Subject: [W126 Coupe] 380 SEC 1983 Model For Sale

> To: MB Coupes <mbcoupes at mbcoupes.com>

> Message-ID:

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757066463.1666258.1284688457402.JavaMail.root at sz0085a.westchester.pa.mail.com
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>

>

> Dear Group:

>

>

>

> I am looking to sell my 1983 SEC.? Anyone interested, please contact me and

> I can tell you about it.? The car has new tires July 2010.? I'd like to see

> it go to someone who is interested in this type of car.

>

>

>

> Those?of us?who are members of?Ellen's group and have attended her events

> over the past couple of years have seen the car.

>

>

>

> Greg Kashella

>

>

>

> kashella at comcast.net

>

>

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