Thinking it would be a good idea to get a real nice truck appraised before a accident ever happens just for this very reason. Insurance companys have way to much leverage. A person could call the insurance commisioner before getting a lawyer. I have done this before seemed to get the insurance companys attention. When a person doesnt have full coverage they almost pretend you dont exist when you have a claim against them. Insurance companys and banks only look at the blue book value. To them a 99 escort is worth more then a 69 camaro go figure.
