Cincinnati is a
great company but they only write the vehicles on a "stated amount" basis. This means that if you have a total loss they do not have to pay you the $90,000, they only cap your policy at $90,000.
I have an insured that has his collector cars with me. He happens to be the Sr. Claims Adjuster for Cincinnati. He lives in the Northern Illinois area and has told me that Cincinnati does not insure the cars to the best need of the insured. I was also a Cincinnati agent for seven years and am very familiar with their policy. If the agent tells you that I am all wet have him put it in writing that Cincinnati will pay you $90,000 if your car is totaled. If he does this keep it, you will need it when you contact his E&O carrier.
Robbin
Midwest Classic Insurance
www.midwestclassicins.com