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Whole reference system was stolen, need budget friendly integrated. Help Please!

t's a long long story and we are still fighting insurance company over their error in the way they scheduled evertyhing. Our atty says it could be up to a year or more given the amount we are suing. Anyway, I had a pair of Focal Diablo Utopia Evo's paired with a McIntosh C2700 and MC452..... and now I am looking to stay around 5k for speakers and 4k for an integrated amp.,   There are several online stores that alllow returns up to 60 days for exchanges, so I was going to order a pair of the Q Acoustic Concept 50's based on lots of reviews I have read. I do have a pair of Focal Aria 926's at my office that I can use for a while too. 

I  was fortunate enough to have had my main source at a friends house, so I at least still have my Luxman D-03x. I also have a cheap, but shockingly great sounding DAC in the Topping 90se. 

What are some very dynamic integrateds in my budget range I should look at? I say dynamic, because I listen to hard rock from 60's to now and like to be in the fairly loud,  Should I sell the Luxman and get a cheap transport and put that money to grow the integrated budget to 6-7k, or keep the Luxman and look for an integrated that doesn't have on board DACs? 

 

I am so lost, please help!

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tuberist's avatar
tuberist
951 posts
 

How can you sue your insurance company for a first party claim? Doesn’t the contract say you must go through an arbitration process? Did you have a replacement cost coverage policy? If you do then the insurance company will pay you depreciated value on your items holding back the amount of full replacement cost until you prove you replaced the items. Better companies would not even do that last step to you but just pay replacement upfront.

ghasley
2,434 posts
 

You must “schedule” or list higher value items above a certain amount. They then charge additional premium for the specific bumps in coverage. Each company and their respective amount limits are different.

fsonicsmith1
101 posts
 

How can you sue your insurance company for a first party claim?

As an insurance lawyer I can tell you that in the vast majority of States, yes you can sue your insurer despite any mandatory arb provision. To hold otherwise would be circumvent each State's law as to insurer bad faith. 

What often happens-not saying it happened here-is that the insured submits an inflated claim, substituting current versions of a product for a product no longer in production, getting estimates from a vendor in a wink-wink scenario in which the vendor wants the sale(s), ignoring depreciation and fair market value, to name a few. 

Claim reps don't know about audio so they do what anyone would do-they ask questions and do a little research. 

I am not here to dispense advice but talking to your agent, reading your policy, taking photos of your gear in your home and keeping receipts and records are all good things to do.  

jeffreyw's avatar
jeffreyw
240 posts
 

A used Luxman 509X will do you fine. It is within your budget and allows you to keep the D-03X. The sound will be different from the MAC, though, more neutral. 

 

mceljo
1,351 posts
 

My question for the OP is if the current request for advice is intended for a temporary solution until thing’s hopefully get sorted with the insurance company or if you’re now on a different path entirely. 

I have no experience with your gear (or any gear at that level), but don’t think that selling a top shelf source that you enjoy should be considered.

keep your best gear, fill it the rest as you can in the short term, and then work to upgrade again in the future. 

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