[JRSully]

Few tips here, as I am an insurance broker, and sell quite a bit of this. Dealing with a payout on a total;

1. Call your respective carrier, and find out what is the highest written agreed value limit, for your exact make, model etc., that they have in thier database, shop around to the different carriers/companies such as Amer. Collectors/Condon and Skelley/Haggerty and see what each co's highest current limit is for your vehicle. Your current carrier may not have the capacity to write your requested limit either because they don't want to, or thier current highest limit is not sufficient for your needs.

Keep documentation of current vehicle sales for your particular car and options,and update often. While appraisals are good, the insurance companies know that they benefit the owner/insured not the company and may dispute it in the event of a total/high dollar loss.

Hope this helps some folks out, if anybody has any other questions, give me a shout.