Date: Fri, 1 Sep 2017 13:09:42 -0500
Reply-To: Abel Longoria <houstonphotog@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Abel Longoria <houstonphotog@GMAIL.COM>
Subject: Re: Fri: Vanagon Gentrification
In-Reply-To: <CACvdLxOdWLVnAALGeGFFZTvteJmdUe9cKfVK=H4emJjpi6TqEw@mail.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...
On Fri, Sep 1, 2017 at 1:05 PM, David McNeely <davmcneely40@gmail.com>
wrote:
> Every time I have discussed "agreed value" insurance with an agent or
> company representative the upshot has been that I can have unrestricted use
> of my vehicle, with maximum payout in case of an accident being the lesser
> of market value (defined by the company) or cost to repair (again defined
> by the company), or I can have "agreed value" insurance but with greatly
> restricted use. One unacceptable restriction is that it can only be driven
> on paved roads. Another is that it cannot be driven more than a certain
> number of miles per year, and then only for explicit purposes.
>
> I have found no company that would sell me a policy with an "agreed value"
> without those restrictions.
>
> If you know how to get "agreed value" insurance without the restrictions on
> use, please let us all know.
>
> And please don't say that one can get "stated value" insurance and avoid
> the restrictions. I have discussed stated value insurance, and discovered
> that the companies will be happy to sell you a policy with a "stated
> value," but that the coverage is still for the lesser of current market
> value or cost to repair (again defined by the company), stated value not
> withstanding. All "stated value" means is that you told the company that
> you believe the vehicle to be worth that amount.
>
> mcneely
>
> On Fri, Sep 1, 2017 at 9:01 AM, kenneth wilford (Van-Again) <
> kenwilfy@comcast.net> wrote:
>
> > That is why you want to have them fully insured with "agreed value"
> > insurance so that if something like this happens you get all of the money
> > you need to buy another one and you don't have to worry about accidents.
> >
> > Ken
> >
> > On Fri, Sep 1, 2017 at 11:47 AM, Don Hanson <dhanson928@gmail.com>
> wrote:
> >
> > > I just heard from a Vanagon acquaintance who sold his Westie for ~$20k.
> > > He narrowly avoiding a serious smashup that would have totalled it.
> > > Someone offered the big bucks and he decided to move to a different
> van
> > > and no longer risk using his very valuable Vanagon like he always
> has...
> > > Yes, the Vanagons are "in"... kiss em goodbye as cheap utility
> > daily
> > > drivers...
> > >
> >
> >
> >
> > --
> > Thanks,
> > Ken Wilford
> > John 3:16
> > www.vanagain.com
> >
>