Since I have purchased one of my Jeeps new off the lot twenty years ago this year. I have two huge files worth of receipts and records from over the years for most everything. Having payed zero for labor since I do all of it myself. Ive got way too much invested in this damn thing. Rock jock 60 rear axle, Core 44 front axle atlas 4 speed transfer case, gen right tank and rear stretch 4 link suspension and RE long arm front, fox remote res shocks, ACOS, full gen right armor and fenders, cage, PRP seats, PSC steering, Bumpers, winch, beadlocks etc, alarm system, gps tracking system, and two ignition cut of systems and the list goes on and on and on and on. If I were to add it all up I’m well over 30k in just aftermarket upgrades. And thats without labor charges. Not to mention the original cost of the damn Jeep. So having a policy that will actually allow you peace of mind when and if it’s stolen or wrecked just makes since. After writing this I’ll probably call and up the value actually. It is not much more a year than my normal full coverage was. Recently my good friends were hit from behind on a highway on the way home from wheeling just after we put a new roll bar upgrade in and were shoved off a 35-45 foot embankment and rolled. I have no problem saying God saved them but that new cage upgrade helped tremendously. They were lucky to have had it insured properly with a declared value policy For $20k and were cut a check for $19,500 minus the $500 deductible a few days later after providing receipts. They got to keep the Jeep as well. The insurance adjuster came up with $31k is what it would cost to replace it based on receipts and labor etc. and said they were under insured. This was a 2000 wrangler sport. No way they would have gotten that with a standard policy. Just food for thought.
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