the sucker king

This is about insurance and the things that I state here could very well be different in other states, we live in Colorado. On June 4th of this year we had a crazy hail storm, worst storm I've ever seen first hand. Tornado touched down 10 miles away. It started with golf ball AND BIGGER sized hail for a while and after that we gat wave after wave of smaller hail, the storm lasted hours and pretty much everybody with homeowners insurance got a new roof. It even wrecked metal roofs. Our roof was all of 2 months old and our insurance company totalled it. It was a bad storm. So anyway, we don't have a garage and have traditionally carried the bare minimum liability insurance as our cars are old and have no resale value and we like to think we are good drivers. our daily drivers are a 97 outback wagon and my awesome badass 80 hatch. We also have a 79 wagon not on the road that just sits in our driveway with no insurance. pics of the daily drivers- The Outback is a very common car in Colorado, I know the market well and feel comfortable that we could get $3500 for it. The hatch is one of a kind and is worth 1 million dollars in my mind, but ONLY in my mind. I understand car value and I don't expect that this car is worth much. So the hatch got beat to snot in the storm, It looked like somebody took a ball peen hammer to the hood and roof with big random shots to every other panel as well. but the hood looks REAL bad. litterally hundred of dents. Unfortunatly I had taken the roof rack off, it would have protected the roof. The outback got some dents for sure, but didn't really look that bad. the wind fairing thing on the lip of the hood broke and a door handle as well, but really the paint was bad to begin with and the color of the car hides the dents and we would never try to fix this. Neither car lost any glass or lenses, surprisingly. and the 79 wagon looks fine. Was sitting right next to the others. So I was super bummed by this whole thing wondering how much I am willing to pony up to make my hatch look good again when I had a vague memory, a couple years ago when I made the hatch look nice, I added additional insurance! I had to call my insurance company (progressive) to re-learn what I had done, but basically I added comprehensive to both the hatch and the outback. In addition, two years ago, I had explained the situation with the hatch to an agent in an effort to better insure it, basically I said I have this old car with no resale value that I have made very nice and put a lot of time and money into it, and how could I possibly insure it for a more fair value. I mean if the book value is $800 and my deductable is $250, that wouldn't be right. The agent suggested I do a "stated value" where my premium is based on the $ amount I state, and could be potentially insured up to that amount. This turned out to be bad advice, it turned out that's not what a stated value policy is for. but alas that was then this is now. I said okay 5k is what I will state this policy for as that's what I feel my car is worth. In reality, I really don't know, but it seemed like a good fair number at the time. I just didn't want to have it covered for the same amount as the typical 80 subaru with rust holes etc. So I put in claims on both our cars. there is $3100 damge to the hatch and well over 4k to the outback. the adjuster said he really stopped looking at 4k because at that time it was obvious they would total the car. So at this point I am hoping for $2900(ish) to fix the hatch. The adjuster seemed to think they would give me the full amount, she said it was rare for her to do the stated value claims, she didn't know that much about them. DShe was originally from Louisiana and assured me that no one in louisiana would give my 5k for that car, but realized in Colorado we have that Subaru culture. She lived in Oregon now, and for what it's worth liked my car ok. So then I come to find out that the stated value policy doesn't mean poop for me. It does not change the way they value a car, it only throttles back the amount they will pay up to. a more apropriate use for this type of policy would be this- Let's say I am Johnny RichGuy and I own 6 corvettes worth $60k each, the insurance on this is so high I figure I'll state a value of 25k on each knowing that I drive these cars so little and I have so many, 25k will get me close enough to whole if in the rare case something happens. I will be paying premiums based on a 25k car and the payout would be limited to 25k. So basically the intent of this policy is opposite what the agent who sold it to me said. but low and behold, there are no comparable 1980 subarus for them to base value on and for this car went to the NADA value "the best information availabe" and by the way , kelly blue book doesn't go back that far for these cars anymore, did not know that. I had looked up NADA value when this was going on, and was shocked that high retail for a 1980 subaru DL was $2600!! Last book value I had found many years ago was $1200 at most, so this was a nice surprise. So they ended up valuing my car at $2,900, which at first pissed me off because it was below damage (remember $3100?), but with the way it worked out, in Colorado your insurance company can total a car, and you don't need to carry a salvage title. plus when they total a car, they have to pay tax and regeristration value, so when it was all said and done, I got a check for $2600, so they were close enough to making me whole. I keep the car with a clean title. The outback wagon was more curious- different adjuster -these adjusters come from all over the country following events that generate a lot of claims. Like i said, he stopped counting @ 4k damage. a given this car will be totalled- i don't have a problem with that at all. When this storm happened, I didn't think I was insured from any of this, it really almost went forgotton that i had added comprehensive. but they came back with a value of $2100 on this car. frustrating, they showed m their comparables, that ranged in value from $1900 to $5000 but averaged out at $2100 with their formula of adjustments on our car. I know I could get $3500 for the outback around here, "it's a good one" which I know they can't take into consideration. but no way was this car worth only $2100. So I gave them some documention of a low mileage engine installed and a comparible car in the area for sale for 4k and that lowered their valuation, but they honored their original valuation. So I got a check for $2100 when it was said and done for the outback, same deal, we keep the car with a clean title. Overall this was frustrating in one way or another on both of the claims, but everyone I had to deal with was cool to deal with, even the progressive agent I spoke to on the phone who had to remind me "there is no need to be sarcastic", but in the end, we received $4,700 to repair 2 old subarus, only one of which will get any attention. So I guess I should not complain. But it raised the question of how to better insure the old gems? The outback I think is what it is, a continually depreciating common relic (don't get me wrong I love that car, at least 5 cross country trips in that car, it's a gem), but the hatch, I have heard of collectors car insurance, where you have the actual car apraised, but that sounds not only expensive, but impracticle for our cars. Anyone have bright ideas on this, post it here. I guess what I would love is to find a way to insure my hatch for 5 k just because I say so, or I guess just be happy with the fact these cars are going up in value and are worth almost 3k. I guess it hardly matters, I probably wouldn't put collision on a car worth 5k either, The real takeaway is comprehensive does cost squat, you should carry it, theft fire hail all that.I sure as hell am glad.

what's this?

Thanks for that!

Anyone know what this is from?

the one I was talking about is at Colorado auto and parts in Englewood. There is an 82 GL listed at the North Denver UPAP but I don't know what it is. what are you looking for? You are up in FC right?

thanks!

a denver area junkyard lists a 87 gl with vin # JF2AC53B7HE202887 was hoping somebody can tell me if its gen 2 or gen 3,

zombieblues where in CO are you?

thanks!

I used felpro 8818 head gaskets on my ea81 because i was told Felpro HGs did not need to be re-torqued, but now I see they have a line called permatorque which I do not think these are a part of, so do I need to retorque?

I installed a new ea81 engine in my hatch and I didn't hook up the power steering till I got it running and tuned because I didn't want the pump in the way. So when I went to install the big front bracket for the PS pump, it turns out the engine I put in does not have two of the three holes drilled for mounting. I mounted it with the one bolt that I could and it is actually holding okay, but I need to do something permanent. I can drill out holes in the pass side head just like stock but would have to pull the head or engine to do that. I would rather not. Anybody have any brilliant ideas on how to secure the PS bracket bracket? Any ideas are appreciated. One after-thought is that the engine I believe to be a 1982 model, was there another power steering bracket that mounted to these early year ea81 engines? My PS came off off an 83 or later I think. The other possibilty is the subaru just did not drill the holes out on models not getting PS.

is that what they call a touring wagon?

also neighbor said he would stack the coyotes up in the baskets! he said he hunted elk from it as well.

yeah you would think, so if anyone wants to match scrap value and can get the hull soon, just let me know. it is artwork for sure! There's pics of that one already here, search "hatch project "under my user name and also "blank canvas" and "Louvres"!

we don't have barns! Its just one of those things, I have no use for it and neither does he anymore, and who wants this parked on their property? Like I said, i really do apreciate the time and skill that went into it, but damn! what do you do with it?

I bought my house in Lyons, Colorado 15 years ago. This thing has been sitting in my neighbor's yard the whole time. Over the years I've become good friends with my neighbor and we talked on many occations about what to do with his old Jeeparu. Here's the story- some guy in the 80's had a brand new brat and serious welding skills. He rolled the brat when it was only a year old, so he built this thing around the wrecked brat drive train. He sold it to my neighbor who hunted coyotes with it on a ranch he lived at in Wyoming. Then it sat for a long time. This thing is nuts, somebody put a lot of time in this. However there were problems- The thing is unstable as hell and if you were doing any decent speed and slammed on the breaks it will somersault. don't know if it could even be made road legal. It sucks for mountain 4 wheeling, would only be good in the ranch setting it had been in prior. We talked a lot about what to do with this thing, we were originally talking about getting it running again and he was going to sell it, but he didn't want to sell it and then have someone pissed at him because it is sketchy as hell ., anyway I ended up pulling the engine today to use myself and I'm going to pull the trans for a spare, the rest is going to scrap, which both my neighbor and I have some ill feeling about doing, because of the amount of time and skill that went into this thing, plus he has some good time assiciated with the thing. But anyway, what else you gonna do? Here is a little slide show of pics I took of this thing, look at how short the wheelbase is, the front end was parked even with the red hatchback front, the first? pic you can see how far the hatchback extends beyond the jeeparu. there is also a pic of the rear driveshaft. Oh-and that basket on the back folds down. Also there was a winch on the front. the slideshow: http://s133.photobucket.com/user/suckerking/slideshow/Subaru/Jeeparu

I didn't realize the case needed to be split! I thought you could pop that plate off that's in front of the front seal, but anyway I did just that, replaced the other 3 and call it good. regarding 5 speeds, Im well aware of the benefits of a 5 speed swap, I'll take your comments as re-enforcement of that.

Thanks for all the input, this gets me thinking. and and a couple things that were not addressed- The power steering resevoir is different in a turbo motor, I assume to make room for the turbo. There were differences in the rest of the power steering system, too. So how much of the steering needs to be swapped out if putting an ea81T into a ea81 car. Also what about the engine cross member?

Putting a new used transmission in my hatch, I have new seals for input shaft, rear drive shaft and both side stubs, I figured I would replace all seals on the new trans before I install, but don't know if I should mess with the input shaft, it's harder to get to than the others, and I don't know if they are a common problem anyway. The trans has been sitting indoors with no gear oil in it for a few years, what do you think?

What are thoughts from folks who have had them on reliability, etc, I have heard people say they were junk and I have heard people say they were super good and reliable. What all is involved in swapping in a EA81 T in place of an NA EA81? What if I don't have the turbo harness, is their an easy way to wire the fuel delivery? Bellhousing is the same correct? it could be mated to a 4speed DR without issue?

I posted this a while back, somebody suggested it might be an FF 1 radiator, see link below, I am going to scrap it if nobody wants it, I thought a re-post with a new title might get this thing gone. http://www.ultimatesubaru.org/forum/topic/150478-fs-gen-1-radiator/

any body need this thing, it's getting recycled if not.

can anybody tell me what it is from?

I got this mystery radiator from an old friend who tinkered with many an old subaru. I don't know what it is from. It does have the fuji logo on it. It is different from the radiator in my 79 wagon. It is smaller, and the outlet that goes to the water pump points out the side of the radiator, not toward the rear of the car like my 79. Here is a pic, if anyone can help identify, much apreesh, and if anyone needs this, just make an offer, I have a box that is 30" x 22" by 5" that this fits nicely in and all the packing materials ready, I can ship it in a business day of receiving payment. It should weigh 20# Boxed I am guessing. Please figure shipping from 80540 through USPS based on this info. My best guess is this is from a stage one gen one, i know this guy had a 77 or so coupe at one point.

yo got a cupcake in yo console