Date: Tue, 3 Feb 2009 13:34:40 -0800
Reply-To: Scott Daniel - Turbovans <scottdaniel@TURBOVANS.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Scott Daniel - Turbovans <scottdaniel@TURBOVANS.COM>
Subject: Re: Stated Value Quote
Content-Type: text/plain; format=flowed; charset="iso-8859-1";
reply-type=original
so for $ 101 dollars for 6 months.......
you get your van insured against total loss for $ 5,000,
you only get to drive it 2,500 miles a year........
and...you have 500 deductible comprehensive
and 500 deductible collision ...........??
and they can change 'the value' of the collectible vehicle ( your van )
after they see pictures of it, if they want to.
cheap all right,
but I wouldn't want to be limited to 2,500 miles a year. That's a bit over
200 miles a month, right ? ( 200 X 12 = 2,400 )
On comprehensive.............vandalism, tree falls on it, cracked windshield
etc............
I like Zero deductible on that one .......for a normal car insurance policy
zero deductible comprehensive can be pretty inexpensive......
as low as $ 30 for six months if you also have other cars insured on the
same policy. That means a 'free windshield' any time, no questions.
Very handy.
Collision I don't have, cause I don't plan to run into any trees or
whatever.........and if I did, I'd fix it myself.
my main issue with a policy like this is limited miles.
but it is cheap.
I'd say I am paying about $ 110 for six months for each car........I have 3,
two vanagons and a volvo sedan insured......
unlimited miles of course......
For a 'Total Loss' I'm sure the pay off # isn't that high ........but I've
never had a total loss in my whole life on a car, so I don't think it's
likely to happen to me .........
and I have zero deductible comprehensive on those cars I think.....
so I am paying for 3 cars, but at close to what this policy shown here
offers, per car.
and coverage that fits my requirements more.
I'm not sure on the terms ......'stated value' ...........that would be
different than 'agreed upon value' I'm sure, ..........?
< as I read more and more fine print in agreements from
companies.........like banks and credit card companies etc......
it usually says in the fine print that they can do whatever they want,
change things whenever they want etc. This one might have some of that in
it. >
Scott
----- Original Message -----
From: "Michael Sullivan" <sandwichhead@GMAIL.COM>
To: <vanagon@GERRY.VANAGON.COM>
Sent: Tuesday, February 03, 2009 12:57 PM
Subject: Stated Value Quote
> Got this quote today and cannot beleive the rate. Limited to 2500.00
> annually, though, but I think that limit can be raised. This is for a
> 91GL. thoughts?
> Dear JOHN M. SULLIVAN:
>
> Thank you for contacting American Collectors, the nation's leading
> provider
> of collector vehicle and collectibles insurance. Our collector vehicle
> insurance program provides:
>
> Agreed Value* coverage - your vehicle's full insured value (less any
> applicable deductible) is protected in the event of total loss, with no
> value depreciation.
>
>
> Low deductible - in most states a zero deductible is available. Unless
> you've selected a higher deductible, you'll have no out-of-pocket expense
> in
> the event of a claim.
>
>
> Flexible miles - you're not limited to "parades only." Enjoy driving your
> collector vehicle up to the mileage limit you select (multiple mileage
> tiers
> are available in most states).
>
>
> Towing & Labor for Collectors (TLC) Plan * - TLC offers you extra
> peace-of-mind by providing reimbursement for emergency towing, roadside
> assistance, lockout and more. Choose your desired level of TLC - click
> here
> for more information, or ask a representative for details.
>
>
> The American Collectors "Real Person" guarantee - you always have the
> option
> of getting a real person on the phone during our business hours (M-F,
> 8:30 -
> 6:00 ET).
>
>
> Online policy management - if you like the convenience of managing your
> policy online, visit us anytime at
> www.AmericanCollectors.com<http://www.americancollectors.com/>
>
> Based on the information you provided to us, please see your premium
> estimate below. This estimate is non-binding; no coverage is offered or
> implied.
>
> To apply for coverage, please call and select option 3. Please have the
> following items handy:
> 1. Driver's license numbers for all household residents
> 2. Dates of birth for all household residents
> 3. Collector vehicle information (year, make, model & VIN)
> 4. Your personal auto policy limits of coverage
> 5. Visa or Mastercard
>
> Thank you for giving us the opportunity to serve your insurance needs.
>
> Sincerely,
> Online Sales and Service Department
> American Collectors Insurance, Inc.
>
>
>
> * Not available in all states. Ask a representative about your state
> availability.
> This e-mail was automatically generated from a non-response mailbox;
> please
> do not reply to this emai
>
> Collector Vehicle Premium Estimate
>
> Collector Vehicles
>
> TypeYearMakeModelRequested
> ValueAnnual
> Mileage
> 1. Original 1991 Volkswagen VAN $5,000 2500
>
>
>
> Coverages
>
> Vehicle1991 Volkswagen
> Bodily Injury (25K/50K)$10.00
> Property Damage (25,000)$7.00
> UM/UIM Bodily Injury (25K/50K/25K)$12.00
> Basic PIP (2,500)$5.00
> Liability Total$34.00
> Comprehensive($500) $31.85
> Collision($500) $32.00
> Basic Towing ($40.00)$3.00
> Vehicle Total$100.85
> Annual Premium: $100.85
> Auto Theft Prevention Surcharge: $1.00
> Total Due: $101.85
>
> Our policies are subject to a non-refundable, minimum earned premium of
> $30.00. The premium estimate is based on the information you provided. We
> reserve the right to amend the vehicle value and/or the rating category
> upon
> review of the photos.
>
> --
> Michael in San Antonio
> 91GL AT 'Gringo'
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