[Spivak]

Surely there's some middle ground between the sibling thread where it's insured for 1000x and the situation I and many others find ourselves in with insurance dealings where the insurance company digs up some sale in a private database by a wholesaler in Szechuan, calls that the "market price" and then cuts you a check that doesn't even come close to replacing the item, usually a car.

I would love a clause in the contract where for non-rare goods you have the option to have the insurance company make you whole by buying you a same model, same trim or higher, same miles or lower, same year or newer car. Like you claimed the market price was less then half of what I can buy it for, use whatever contacts you clearly have and buy it for that.