Date: Fri, 24 Nov 2017 14:19:10 -0800
Reply-To: thewestyman <zolo@FOXINTERNET.NET>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: thewestyman <zolo@FOXINTERNET.NET>
Subject: Re: insurance
In-Reply-To: <CY4PR20MB1303FB82378D3C1FEF659676A0210@CY4PR20MB1303.namprd20.prod.outlook.com>
Content-Type: text/plain; format=flowed; charset="UTF-8"; reply-type=original
No free health care anymore. Not that was any good anyway.
I can't think of any reason why the price is so good. They calculate by the
horse power. And this diesel is not much power.
And it also includes free towing in case of trouble. Like triple A.
Zoltan
-----Original Message-----
From: Dennis Haynes
Sent: Wednesday, November 22, 2017 7:40 PM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: insurance
Is it possible that things over there are different due to who has to pay
the medical costs?
Dennis
-----Original Message-----
From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On Behalf Of
thewestyman
Sent: Wednesday, November 22, 2017 8:09 PM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: insurance
I just got back from Hungary. The insurance for my '86 camper, for the
compulsory balance of third party, damages caused to others only, cost me
$85 for one year, including free coverage to all over Europe.
Can't beat that here.
Zoltan
-----Original Message-----
From: Don Hanson
Sent: Wednesday, November 22, 2017 7:27 AM
To: vanagon@GERRY.VANAGON.COM
Subject: Re: insurance
My$.02? Insurance has never come through, 100%, for me over the years,
no matter what the circumstances. It comes to a legal back and forth,
lawyer to insurance company, eventually you'll get something, if your lawyer
is good..
On Nov 22, 2017 7:05 AM, "Roger Whittaker" <rogerwhitt1@gmail.com> wrote:
Well said Dennis -
love t*h*e examples
regards
[image: photo]
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On Tue, Nov 21, 2017 at 8:26 PM, Dennis Haynes <d23haynes57@hotmail.com>
wrote:
> Major repairs such as engines and transmissions are really just that,
> repairs. Dealing a adjusters once over a year old the only value is
> not having a deduct for a non-running vehicle. As for other upgrades
> depending on how they are done the risks go up. Is that "battery
> conditioner" rated to be installed in a dwelling, operated unattended?
> Is the battery sealed from the living compartment? What about short
> circuit and fuse
protection?
> Flammable gas, (hydrogen, propane), monitoring, etc. Yes I'm getting
crazy.
> Working in industry I have seen many things go wrong that were not
> expected. We learn! Insurance companies are only slightly worried
> about
the
> vehicle property loss. It is the liability that makes the base
> insurance policies cost what they do. Think of what could go wrong
> next time at an event and how many vehicles and families whose lives you
> can change.
> Equipment modifications often have a way of presenting those "I can't
> believe it" events. If I bought a vehicle once hopefully I can do so
> again if needed. If I was to hurt someone that I could never repay.
>
> My thoughts
> Dennis
>
> From: David Boan [mailto:dboan@outlook.com]
> Sent: Tuesday, November 21, 2017 12:32 PM
> To: Dennis Haynes <d23haynes57@hotmail.com>; vanagon@GERRY.VANAGON.COM
> Subject: Re: insurance
>
>
> Here is an update on the insurance on my '85 Westy ... As far as
> customizations, it was mainly a rebuilt engine and transaxle plus 16"
> wheels and oil cooler with a few other comparatively minor additions
> (second battery, built in battery conditioner, etc). I think the
> adjustor over reacted as these make the vehicle safer./more reliable
> and reduce risk, IMHO.
>
>
>
> So, Progressive (via AAA) issued me a policy with an agreed value of
> $30k, subject to verification with an appraisal. The $30k was my own
> estimate based on a possibly optimistic opinion of what the vehicle might
> bring.
I
> can submit an appraisal now, or wait to see if there is an event that
> results in the vehicle being totaled and then put together support for
> the value. If I do not submit an appraisal they will do their own
> estimate, not based on bluebook, which may or may not support that value.
>
>
>
> I think one thing that helped is that I am the original owner and the
> vehicle is always garaged and used sparingly.
>
>
>
> David B.
>
> Boise
>
> ________________________________
> From: Dennis Haynes <d23haynes57@hotmail.com<mailto:
> d23haynes57@hotmail.com>>
> Sent: Friday, November 10, 2017 1:26:14 AM
> To: David Boan;
> vanagon@GERRY.VANAGON.COM<mailto:vanagon@GERRY.VANAGON.COM
> >
> Subject: RE: insurance
>
> What customizations were you trying to get increased coverage for?
> While an agent or customer service rep may have offered the coverage
> change you may have gotten the attention as it went through the under
> writing
process.
> If the issue was just the collision or comprehensive overage they
> could have just declined those coverages. For them to drop you
> indicates they do not want to take the liability risk.
>
> Dennis
>
>
> -----Original Message-----
> From: Vanagon Mailing List [mailto:vanagon@gerry.vanagon.com] On
> Behalf Of David Boan
> Sent: Thursday, November 9, 2017 5:56 AM
> To: vanagon@GERRY.VANAGON.COM<mailto:vanagon@GERRY.VANAGON.COM>
> Subject: insurance
>
> A month ago I decided I should update my insurance carrier, Geico,
> about the customizations on my 85 westy. They agreed to increase the
> estimated value for a few additional dollars. Then I got a letter
> that they no longer considered my Westy insurable and are dropping
> coverage effective the end of the month, no further explanation given.
> I am now searching for other carriers. Just curious if anyone else has
> experienced this.
Any
> suggestions for a new carrier are appreciated.
>
> David B
> Boise
>
> Get Outlook for
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--
roger whittaker 604.414.6266
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