[larrys40]

Brent,
Well said. Most folks "underinsure" their cars for loss or damage. I would never be cheap on the valuations as you really can't begin to replace them or make them whole and recover with conservative values. The cost for the insurance value is much cheaper than the cost to "fix or replace" it if something should happen. You explained the process well.

I only added my comments to add reinforcement and a little more icing on the cake as most folks don't realize how expensive repairs or replacements can cost.
Larry