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I would quote the coach at full MSRP for replacement cost. Keep a copy of your options sheet and final MSRP including every option you have on your coach. I'd hate to think about having to replace my coach due to an accident, but I would rather not have to fight with my insurance company when it comes to "FULL NEW REPLACEMENT" of what you had - regardless of cost at the potential future timeline when a replacement order is needing to be placed.
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