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Navigating Insurance Claims
First, many of our cars are now eligible for lower premium classic car insurance. If you have a "daily driver" and have decent MVR, underwriting is rather straightforward. Buying "agreed value" or guaranteed value is the only way to protect appreciating classic Porsche's and similar cars.
Blue Devil - hopefully you can get a friendly attorney to assist but here's what I would do solo:
1. Get all your documentation on upgrades, 3 body shop estimates, market re-sale values, perhaps with a supplement by the P-car shop that serviced your Boxster.
2. Pull articles on "appreciating original 986's" and links to YouTube videos as well.
3. Research Travis Co. small claims court procedures. The cases heard must be $10K or less. The Cayenne owner is liable without question.
4. Write and deliver a demand letter to the Cayenne owners with a 30 day time limit to respond. Express your openness to reach a settlement, but clearly indicate you intend to be made whole. Be sure to account for "loss of use" and "diminution of value". Again a friendly attorney can help draft the letter, but there are also online resources as well.
5. After you deliver the letter phone the Cayenne owners' insurance agent. See if he or she has influence with the insurance claims department. Lighten the mood by reminding the agent everyone should be glad it wasn't your GT2 that was hit that day!
Be professional, factual and courteous but resolute.
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