Miata Mailing List: April 1994, Message #147
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   From: Cynthia Paloma 
Subject: More Miata insurance (State Farm)
   Date: Thu, 7 Apr 1994 22:16:40 -0400

Alas!  Today some scoundrel hit my Miata while it was parked, and 
took off.  I was indoors running a 10 minute errand, didn't hear 
anything, and there were no witnesses.  Dented the right front fender
above the wheel, but the car is still driveable.  The estimate from
the body shop was $390 to repair the right front fender, replace the
right fender splash shield, and paint.  (This shop tends to run a bit
higher than average, but they do a superb job, especially with paint
matching.  Sadly, I'm a repeat customer, but this is the first time
 with the Miata.)

Anyhow, so now I'm up-to-date on my insurance with State Farm.
Here's the semiannual breakdown (since it's handy):

  Liability: 						$173.74
    Bodily Injury 100,000/300,000
    Property damage 100,000
  Medical payment 25,000				  26.45
  250 deductible comprehensive				  83.75
  250 deductible collision				 164.62
  Emergency road service				   3.04
  Car Rental/Travel Expense				   9.04
  Uninsured Motor Vehicle:
    Bodily Injury 100,000/300,000			  35.20
    Property damage 100,000				   2.08
  =============================================================
  Total							$497.92

I have deductions for having multiple cars insured, an air bag, 
conviction free, and a California Good Driver discount.  As a
side note, this policy was perhaps $5 more than it cost to insure
my previous car, an '85 MR2.  On that car, the premiums kept 
increasing although the car value was decreasing!

Checked in with the State Farm agent today, and I have an 
appointment with the claims adjuster tomorrow.

Cindy Paloma