I'd self insure. Up to the replacement cost of the vehicle is the key. They are going to use the lowest value imaginable to come up with this price and a replacement engine won't even come close to being covered in it's entirety.
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Charles Navarro
President, LN Engineering and Bilt Racing Service
http://www.LNengineering.com
Home of Nickies, IMS Retrofit, and IMS Solution
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