Well since this topic is being bantered about, I'll post a question to the insurance guru:
My old '82 Volvo is probably worth $500 to my insurance company, but I've got multiple thousands of dollars invsted in it and the car is worth significantly more than a typical '82 Volvo would be.
If my garage burns down, how do I collect the true value of the vehicle ? Is that even possible without some sort of special designation ?
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