As many of you may know I'm an insurance appraiser for a few companies that handle vintage car policies. I know we've discussed what an appraiser (and the insurance company) looks at when we come out to look at your car. COLLISION I'd like to think we all know what collision damage is. Other than running over Bambi, or some other critter, and think you physically strike with the car is a collision. If it's another car, a tree, a building or even a person, it is considered a collision loss. I think this is pretty straight forward. COMPREHENSIVE Comp is the coverage for 'Other than Collision'. This can include hitting Bambi (or any other critter), theft, fire, vandalism, hail or other storm damage, flood, etc. These are known as perils. There are exclusions under Comp. These exclusions are wear & tear, freezing, mechanical or electrical failure and road damage limited to tires. Other exclusions are out there are little bit. Unless you are walking arould with tin foil on your head, you'll probably never have to worry about... Radioactive contamination, discharge of any nuclear weapon, war, civil war, insurrection, rebellion or revolution. I'll let you discuss these for the balance of the day. One reason I brought this up was that I have to make a 6 hour round trip to West Palm Beach to deny a claim. I can see the anti-insurance guys now...'Deny the claim!?! See the insurance company just looks for ways not to pay claims!!!' The car is a (O/T) 1984 Mercedes-Benz 300D 4-door sedan. The problem? The driver's front door and right rear door will not unlock. The claim assignment even came with a vacuum diagram from the owner. Yes, these cars have vacuum operated power locks. All vacuum used to operate the locks goes thru the driver's door. Each lock actuator has a diaphragm. The vacuum lines and connectors are plastic. The pieces that make up this system get brittle over time and they break. This system also operates the locks for the fuel door and the trunk. With other locks operating past the driver's main lock, the driver's door actuator has a bad diaphragm. As for the right rear door, it is either the line running to the door or the door lock diaphragm. This system in an older car is diagnosed with a vacuum pump. Most Mercedes dealers don't even want to play with this system. Why do I bring this up? Because I bet that since the date of loss was on 05/04 that he's already been told what the problem was by the dealer. And worse yet, he was probably already given a sky high price to diagnose the problem (at $135 an hour). When I find that there is no damage to the exterior of the door lock (no vandalism), I'll be asked why and have to explain wear & tear and mechanical failure. With comprehensive claims, there must be a peril for coverage. It can even be a stupid peril. I've seen stuff fall of shelves, people drop stuff, etc. If it's not listed as an exclusion, there is usually coverage. I'll get back to this after I see the car.