[scottj]

I have Midwest Classic and the highest value they would agree to is a little over half of what I have in it. At least they raise it by 5% per year. I was given the option of having an independent appraiser determine fair market value, but that isn't the same as replacement cost.

The way I look at it, 50 cents on the dollar is a good return when I sell a race car and when I've wrecked race cars the return was zero. Though it's not a race car, I can live with 1/2 coverage...