Date: Fri, 8 Apr 2011 13:57:53 -0700
Reply-To: Daryl Christensen <daryl@AATRANSAXLE.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Daryl Christensen <daryl@AATRANSAXLE.COM>
Subject: Re: Insuring a VW Camper as a "motor home"
In-Reply-To: <inni4i+f03m@eGroups.com>
Content-Type: text/plain; charset="iso-8859-1"
I have an agreed value policy for my 86 Syncro Westy for $35,000.
Can drive 6000 mi/yr and has to be garaged and costs me $407/yr.
Sky Smith Insurance in Iowa and the carrier is American Modern Ins CO.
Might wanna give Sky a call and see what he says.
After I got mine insured, I told Bob Stevens and he talked to them and was
told they might have reconsidered what a Westy is and things may have
changed.
Worth a call to see if it all fits for your needs rather than stress over
the possibility of losing your shirt after a disaster...
Daryl of AA Transaxle
425-788-4070
"On the cutting edge of Old technology"
86 Syncro Westy w/Turbo Zetec in the trunk
-----Original Message-----
From: wetwesties@yahoogroups.com [mailto:wetwesties@yahoogroups.com] On
Behalf Of dk
Sent: Friday, April 08, 2011 10:54 AM
To: wetwesties@yahoogroups.com
Subject: [WetWesties] Re: Insuring a VW Camper as a "motor home"
I have USAA insurance, which is a screaming deal for those of us who can get
it. For things like classic cars & motor homes, they partner with another
insurance company (I can't recall who). I called to see if I could get my
full westy insured as a motor home & after about 1/2 an hour trying to
explain what a westy is & sending them to Gowesty to look at photos & costs,
they said it sure looks like a mini motor home, but had one sticking point -
"Does it have a bathroom?" Well, no, but what if I have a porta potty in
there? "No. It has to be factory installed".
So the short answer was it doesn't qualify as a motor home, it would go in
the same classification as a pick up with a camper shell, which is not a
motor home. Bummer. They said that based on the prices at Gowesty, I should
switch to classic car insurance with an agreed value policy. It's not my
daily driver at this point, but I do drive it too much to qualify for the
2500k miles or less limit per year on most classic car policies, but then
again, the odometer doesn't work........
Well, I think finding the right insurance company in the right state & not
driving it as a daily driver could add up to a good savings on a motor home
policy. Good luck to those who can find the right combination.
Cheers,
David K
PDX
>>>
Dear Mr. Knoll,
Per our earlier conversation, Bodycraft Collision Center is not comfortable
completing the repairs to your vehicle and have stated that there may be
further damage to the undercarriage that is not written on the current
estimate. Any further damage or labor will result in your vehicle being
deemed a total loss. We want to resolve this as amicably as possible in
accordance with your personal automobile policy. Please refer to your
California Personal Automobile Policy, Form 8550, Page 19 of 27, Part D -
Coverage For Damage To Your Auto:
LIMIT OF LIABILITY
A. Our limit of liability for loss will be the lesser of the:
1. Actual cash value of the stoler or damaged property; or
2. Amount necessary to repair or replace the property with other
property of
like kind and quality.
At this time, we would consider two options to resolve this claim:
1. The vehicle would be deemed a total loss and we would issue payment to
you according to the owner retain salvage settlement figures below:
Total Loss Calculations for CALIFORNIA - Owner Retains
ACV: (+) $1,117.00
Sales Tax: (+) $97.74
UPD: (-) $26.79
Sub Total: $1,187.95
Total Fees: (+) $18.00
Salvage: (-) $0.00
Deductible: (-) $250.00
Net Total: $955.95
2. If you did not want the vehicle to be totaled, we would issue payment to
you in the amount of $937.95. This payment was derived by taking the actual
cash value above ($1117.00) plus taxes ($97.74) less the unrelated prior
damage @ 10% ($26.79) and less your deductible ($250.00). This payment will
be considered a full and final settlement payment.
As Bodycraft Collision Center will not complete the repairs, we would pay
for a reasonable tow to another repair facility or back to your residence.
After you have had time to review this information, please call me at the
number below.
Donald Behner
Claim Supervisor
800-811-4832 x43497
Hartford Casualty Insurance Company
PS regarding your glass only claim: We are trying to locate a windshield for
your vehicle. At this time it is our understanding that a neither a new or
used windshield can be located. Once we have more information on the
availability of a windshield from your part's supplier in Washington, Mike,
we will discuss this matter further.
<<<
--- In wetwesties@yahoogroups.com, Larry Pauls <larryapauls@...> wrote:
>
> At least 2 long discussions on his topic - see April 17,2011 stream and my
> message 47457
> Attempted to insure my 91 Vanagon Camper in WA state and was refused by
> PROGRESSIVE, ALLSTATE AND STATE FARM.
> All 3 have underwriting "policies" categorizing the vehicle as an
automobile,
> not a motor home - state definitions be damned.
>
> The state does define, but leaves the policy details up to the insurance
> company.
>
>
> Has anyone successfully insured as a motor home ? and with what company -
in
> what state?
>
>
>
>
> [Non-text portions of this message have been removed]
>
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