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requiem for an e23

From:	NAME: Thomas L Pappenhagen          
	FUNC: CR&D                            
	TEL: (609) 540-3613                   <PAPPENTL AT A1 AT JLCL01>
To:	"BMW-DIGEST@domain.elided"@ESDS01@MRGATE

the wiring harness on my '84 e23 is in dire need of replacement 
after melting over the weekend (my wife was just driving along 
and poof).  I called my insurance agent and reduced the coverage 
on the car while I decide whether this is a great parts car or if 
it's worth the money to fix.  I also asked if this would be 
covered by comp. and the agent said that if the car had gone up 
in a pretty ball of flame that it would have been covered, but as 
the harness didn't actually burn the car to the ground it's not 
covered.  This doesn't seem quite right to me.  Anyone out there 
with any insurance knowledge that they'd like to share?

TIA

...Tom

PAPPENTL@domain.elided