[carguy]

Let me more specific with a hypothetical example. Suppose your collector car with it's original born with drivetrain had an engine fire. For this example lets assume nothing else was hurt, but your engine which was a total loss.

According to my interpetation your insurer would pay to replace the engine with probably a correct casting number unstamped block. They have then met there obligations according to the policy unless you have dimunitition in value coverage. We all know that having a replacement engine in that car is going to lower the value drastically over the born with engine. Without dimunition of value coverage you would receive no additional compensation for this result. The same example could be used on any part of the car that has special value because it being original irregardless of if the car has been restored or not.

At some point the expense to insure gets out of hand and we all need to self insure some of the risk. My point is to make others aware of this coverage gap so no one is taken by surprise.