Date: Tue, 9 May 2017 17:31:11 -0500
Reply-To: Abel Longoria <houstonphotog@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Abel Longoria <houstonphotog@GMAIL.COM>
Subject: Re: Insurance
In-Reply-To: <0FADE377-7719-47C8-AC5F-C08DF4305B62@gmail.com>
Content-Type: text/plain; charset=UTF-8
I spoke to no less than 13 companies when looking for insurance... I wanted
3 things.
1. Unlimited annual miles
2. Ability to camp in vehicle
3. Agreed Value policy based on appraisal
I went through State Farm, insured as an RV..
They gave me all 3 items I wanted and they accepted the Value
Opinion/Appraisal that I got from Gowesty for $250 found here:
http://www.gowesty.com/product-details.php?id=23894
I pay about $63 a month for the policy and its agreed value is $40,000.
A lot of classic car insurances limit you to like 1,000 miles a year. Yea
that doesn't work for me. Sure some people try to lie about their mileage
but I didn't want to give any insurance company a loop hole to get out of
covering my van in case of a totaled incident. I'd rather have all of my
ducks in a row and be on the up and up so if it does happen they can't
wiggle their way out of paying up. Some insurance companies don't allow you
to camp in the vehicle. Another deal breaker for me.
Biggest stickler to be considered an RV was the fact that the vehicle has a
toilet in it. I have a Thetford marine toilet, Insurance company states
that all it needed. I explained it was not a permanent fixture but a
floating one and she said their policy doesnt state it needs to be
fixed/mounted. So I am good.
Anyways... This is the info I've found and worked on for months...
Abel Longoria
On Tue, May 9, 2017 at 5:19 PM, Chris S <szpejankowski@gmail.com> wrote:
> I had this talk with my State Farm insurance agent. They will pay book for
> both my Westy and my 64 Splitty.
>
> The other question is what will the driver's at fault insurance pay?
>
> Chris
>
> Dnia 09.05.2017 o godz. 18:10 John Rodgers <jrodgers113@GMAIL.COM>
> napisał(a):
>
> > I haven't had a wreck yet, but need to know where I stand and I'm not
> > getting it from my current insurer.
> >
> > Lately I have easily rebuildable vans toalec by the company simply
> because
> > the vans are old and parts aren't readily available at the local car
> > dealers. I asked my insurer to explain it to me.
> >
> > Turns out I my coverage pays "depreciated value at the time of
> accident!" +
> > 20% according to your policy. I said who determines value. Answer:
> > independent claims adjuster. My comment - that's not good enough - my car
> > value according to NADA just went up three thousand. How is he going to
> > jusify "depreceated value when prices are rising?" He said think you need
> > to talk to the adjuster. My comment "I need a new insurance company!"
> >
> > Guys and gals, I need some input on the subject of insurace, I can see
> this
> > is going to get sticky. I would like to consider all passibilities.
> Comment
> > and suggestion appreciated.
> >
> > John
>
