Date: Fri, 1 Jan 2010 09:01:38 -0800
Reply-To: Daryl Christensen <daryl@AATRANSAXLE.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Daryl Christensen <daryl@AATRANSAXLE.COM>
Subject: Re: Insurance..... some forethought.
In-Reply-To: <4B3E1BA1.1020105@pottsfamily.ca>
Content-Type: text/plain; charset="us-ascii"
I chatted with an independent insurance appraiser the other day..He had an
interesting way to go about documentation for ins purposes.
Appraisals are only good on the day they are given as far and an ins. Co. is
concerned. What was valid then is not now.
He suggests the following...
Take pictures of everything with a date stamp..top bottom inside & out. Show
upholstery condition, dash, all of it.
Copies of every receipt in its history.
Place in envelope and mail it to yourself...When you receive it..DON'T open
it..Just put it away. Do this every year. That way you have a Post Ofc date
stamp on the envelope as a proof of date.
If you have a major problem such as fire or total, you would give the
UNOPENED file to the ins co and start the process of negotiation.
He seems to think this will start the process of valuation on a higher note
and show your well prepared for the whole process.
Obviously YMMV, but I thought to throw this out there as it just may help.
I have a stated value policy that I will change to an agreed value to try to
get a leg up on it after I can start driving it again this summer.
Daryl of AA Transaxle
425-788-4070
"On the cutting edge of Old technology"
86 Syncro Westy Zetec
-----Original Message-----
From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf Of
Greg Potts
Sent: Friday, January 01, 2010 7:58 AM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: Insurance..... some forethought.
Hi Craig,
Keep shopping. It doesn't cost anything but time to shop around to find
the product you want.
You are definitely swimming against the current with your personal
demographic and choice of vehicle, but somewhere out there is an
insurance company that is willing to sell you what you want to buy,
regardless of whether you have any history with them or not.
I definitely agree that you should get your van appraised, but I would
be leery of posting my van for sale just to set a value for insurance
purposes... If it's still in your hands some time later and you have an
at-fault claim it's not impossible for an agent to draw the conclusion
that it didn't sell and you're *trying* to write it off. That could get
ugly.
Happy Trails,
Greg Potts
Toronto, Ontario Canada
1973/74/79 Westfakia "Bob the Tomato"
1987 Wolfsburg Weekender Hardtop
www.busesofthecorn.com
www.pottsfamily.ca
craig cowan wrote:
> So I'm about to change over to a new insurance policy to get off my
parents.
> We're going with Erie Insurance who's been insuring us for years, but i
have
> some concerns maybe you guys can help settle.