Date: Sat, 8 Feb 2003 10:31:49 -0700
Reply-To: John Andrew <johna@TELLURIDECOLORADO.NET>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: John Andrew <johna@TELLURIDECOLORADO.NET>
Subject: Re: [Syncro] Insurance - Replacement Value Policy?
Content-Type: text/plain; charset="iso-8859-1"
I have had State Farm insurance for many years. I have been in two
accidents over the years, one not my fault and a black ice incident. Both
cases they paid me way over the value of the car and within a week I had a
check. Towing coverage is also great. Paid to tow a 25' motorhome I had
100 miles to a repair facility. Towing was more than the repair (broken oil
pick up tube where the main axle ran under the oil pan).
Just my experience,
John Andrew
1987 Subaru Syncro Adventurewagen
1984 Tiico Westy
1985 Quantum Syncro Wagon
-----Original Message-----
From: Forhan, Thomas <Thomas.Forhan@MAIL.HOUSE.GOV>
To: vanagon@GERRY.VANAGON.COM <vanagon@GERRY.VANAGON.COM>
Date: Friday, February 07, 2003 3:23 PM
Subject: Re: [Syncro] Insurance - Replacement Value Policy?
>Just go with the regular insurance, and keep all your documentation. If you
>have a catastrophe, it may be a little work but you will be able to
document
>the true value of your vehicle.
>
>See Dereks long post:
>http://gerry.vanagon.com/files/auto-insurance-madness.html
><http://gerry.vanagon.com/files/auto-insurance-madness.html>
>
>Also, do not go with Geico which has a terrible reputation for settlements.
>State Farm is also bad, I hear, indeed any insurer that has a drive in
>claims place may seem convienent, but they treat you like a number and
don't
>make exceptions. I would gladly pay a couple of hundred bucks more for a
>company that had a reputation for more than fair settlements. Even if its a
>couple of thousand less than "replacement value", you will have saved that
>much in premiums in just one year.
>
>I really like Aetna, my wife totalled our very clean Audi a few years ago,
>and I did not accept their offer, and my agent had them send out a special
>"adjuster" who works tough cases - he did not even work for Aetna, he was
an
>independent adjuster. He saw the condition of the car -perfect- and all my
>reciepts for work done on the car, and I got 25% over high blue book- it
was
>a fair settlement. I also got 5% sales tax back, to apply to the purchase
of
>the replacement vehicle.
>
>Hope this helps
>
>Tom F.
>
>[Forhan, Thomas]
> -----Original Message-----
>From: Larry Chase [mailto:lchase@attglobal.net]
>Sent: Friday, February 07, 2003 11:55 AM
>To: vanagon@yahoogroups.com; wetwesties@yahoogroups.;
>vanagon@gerry.vanagon.com; Syncro@yahoogroups.com;
ev_update@yahoogroups.com
>Cc: VWVANFULLTIMERS@yahoogroups.com
>Subject: [Syncro] Insurance - Replacement Value Policy?
>
>
>
>Volks,
>
>A recent posting on WetWesties reminded me of this issue.
>
>What's the right way to go for insurance coverage, "Normal" Policy with
>complete Documentation or a "Replacement Value" Policy with complete
>Documentation and appraisals?
>
>Sample vehicle ... 1990 Westy Syncro
>
>
>1. Normal Coverage Policy:
>
>- $500 deductible
>
>- Rental Car Coverage
>
>- Reasonable levels of liability, comp etc. (sorry don't have specific
value
>info with me)
>
>Cost Estimates : $600-800 per year (AZ Resident)
>
>Note:
>
>Full Documentation Package Available.
>- Receipts for all renovation,rebuild and modifications
>- Photos of Everything
>
>2. Replacement Value Policy:
>
>I have met with a few Insurance companies about providing a "Replacement
>Value" Policy.
>
>Requirement:
>
>- Receipts for all renovation,rebuild and modifications
>
>- Independent Appraisals
>
>For estimating the insurance quote I suggested they use a $30k replacement
>value
>
>
>Cost Estimates : $2500 - 3000 per year (AZ Resident)
>
>Big difference in cost.
>
>What's the right way to go?
>
>Your Point of View?
>
>
>Larry Chase
>
>Email: lchase@attglobal.net <mailto:lchase@attglobal.net>
>Web: www.roadhaus.com <http://www.roadhaus.com/> - Coming Soon!
>What: The Great North American Road Trip
>When: Feb 22, 2003
>How: RoadHaus - 1990 VW Westfalia Syncro
>Today: Los Osos, CA / Go Westy
>From: Mesa, AZ
>
>
>If you would like to modify your subscription settings (including
>unsubscribing), visit:
>http://groups.yahoo.com/group/Syncro <http://groups.yahoo.com/group/Syncro>
>Please remember that rude or offensive language is not allowed on the
Syncro
>list. Please try your best to resolve differences privately and keep them
>off the list.
>
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