go together like bread and butter.

Imagine that a boat was backed into in a parking lot by an idiot
tractor trailer driver causing enough damage to require fairly
extensive fiberglass repair and a body shop to repair the trailer.

Imagine that the owner of this boat has a "agreed value" with his
insurance company which was written under a personal custom written
umbrella policy

Imagine that the insurance carrier wanted to total the boat rather
than repair it and offered to pay $10,000 under the agreed value as
stated in the insurance policy.

Imagine that the owner of the boat went ballastic and pointed out to
the idiot adjuster that his insurance company was on hook for
considerably more money than the offer and that if they were nice
about it, and because the owner really likes the boat, the owner would
absorb part of the cost of the repair, but only to X dollars.

Imagine that the idiot insurance adjuster flately stated that their
liability wasn't as stated and that was their last/best offer on the
boat.

Imagine that the idiot adjuster was shown the signed, dated and
notarized policy plus the appropriate clause in said policy to which
the adjuster flatly stated that the company had never written such a
policy and he restated his last/best offer.

Stay tuned

Later,

Tom
S. Woodstock, CT
-----------
"Do fishermen eat avocados? This is a question
that no one ever thinks to ask."

Russel Chatham, "Dark Waters" (1988)