Didn't hear about This until my wife went to the county clerk's to get my plates.

 

That is the reason our cars are insured for the amount of original purchase price rather then the state minimums. A good insurance agent will make sure that you have enough insurance so your out of pocket expense is little to nothing.

 

Oklahoma did that several years ago, cept we went from 10/20/10 to 25/50/25... it only makes sense..

 

Exactly, and I always have them add for mods. If someone steals or destroys one of my toys I get all the money back to build or buy another one.

 

DD, you're correct -- most people don't understand that their insurance only covers a max of about $1000 of modifications (wheels, chrome acc's., stereo, etc) so adding extra coverage is a smart idea... all my vehicles are 50/100/50 at the moment, but that is much better than 25/50/25! Especially if you ever cause a multi car accident, you'll be screwed if two of them total and eat up all your PD limits and there are still 1 or two more vehicles to pay for...then you have some really hungry insurance companies comming after your pocket cause you were too cheap to buy good insurance coverage..

I think the next step in OK is 100/300/100 -- and once I can afford that coverage, I'll be on it like stink on... well you know. Then I should be covered for nearly any accident I could get in (but not all...)

 

USAA has always been very good to me where mods/toys are concerned. I had a stereo system stolen out of my dually years ago, and they paid replacement value as opposed to actual cash value. All I had to do was provide them with receipts for the purchase and install.
DD, I see you're ex military. If you're not insured with USAA, you might want to look into it. You won't find anyone who is less expensive, and service-wise, I haven't found anyone who even comes close. Shoot me a PM if you want or need more info.
JB