Date:         Thu, 11 May 2006 19:07:15 -0500
Reply-To:     Maggie Dew <wildebus@GMAIL.COM>
Sender:       Vanagon Mailing List <vanagon@gerry.vanagon.com>
From:         Maggie Dew <wildebus@GMAIL.COM>
Subject:      insurance
Content-Type: text/plain; charset=ISO-8859-1; format=flowed

Re "agreed upon value" - I got such a quote today from Progressive which
would cover my Subaru-Vanagon Westy for $10,000.  I could have gotten more
insurance, but don't want to pay any higher premiiums.  I currently have
Geico and they won't cover more than around $4,000 -or whatever is the book
value on an '85 Vanagon.

I'm not sure if this is accurate or not, but the Progressive representative
told me that the Westy cannot be insured as an automobile because it
contains stove, sink, fridge.  Even though there are no bathroom facilities
- it counts as a camper.  He said that if I had tried to file a claim on
Geico, and the accident report showed it was a camper, they could have
refused to pay.  I asked him why, then, when I tried to do an on-line quote
from Progressive (without the agreed upon value) that it matched me up with
an auto policy, listing me as a "VW Vanagon Campmobile".  He said that it
was incorrect.  My decision making is on hold, but I will say that the
premium price for the 10k with Progressive is almost the same as the Geico
auto policy premium with less coverage.

Anyone else have experience with auto vs. camper coverage on a Westy?

Maggie
'85 Subaru-Westy "Anne Bonney"