[lamaluv]

If you are getting a "regular" insurance policy VS a stated value policy you may have problems if the car is totaled or stolen. My regular policy would have taken the value when purchased new, then depreciated for each year to determine value or taken the present value of "like" vehicles. As Cobra values seem to have a wide variance I didn't want them deciding what was a "like" vehicle, so I went with a stated value policy. There wasn't much difference in price and I wanted to be covered if the car ever was a total loss.

Dick