Date: Wed, 22 Nov 2017 07:27:04 -0800
Reply-To: Don Hanson <dhanson928@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: Don Hanson <dhanson928@GMAIL.COM>
Subject: Re: insurance
In-Reply-To: <CAHTkEuJAC7U_ELZa0gmEe-jtFyBey1iRosWZn5GUs3VV-UwKOg@mail.gmail.com>
Content-Type: text/plain; charset="UTF-8"
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
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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
>
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roger whittaker 604.414.6266
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