Date: Tue, 25 Jul 2023 22:35:50 +0000
Reply-To: "ddbjorkman@verizon.net" <ddbjorkman@VERIZON.NET>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: "ddbjorkman@verizon.net" <ddbjorkman@VERIZON.NET>
Subject: Re: Van Insurance.
In-Reply-To: <1288791445.2772036.1690305094471@mail.yahoo.com>
Content-Type: text/plain; charset=UTF-8
A big Congratulations on that one. It can be a tough road with insurers. After all, they are in business to reject your claim. That's how they make money. Quite a few years ago. I had a case that went to state arbitration/arbiter. My insurance company sent someone to argue against me!?!. I was shocked! I won the case, but the insurance company said they didn't recognize the finding and it cost me my $500.00 deductible. It still galls me to this day.
Sheese.
Dave B.The Boston one
On Tuesday, July 25, 2023 at 01:12:26 PM EDT, Richard Koerner <rjkinpb@sbcglobal.net> wrote:
About Insurance...it's a strange beast! Vanagon got whacked by a Tesla running red light almost 3 months ago; $15K damage since frame is bent. My insurance (Farmers) said initially it was a 50/50 situation and offered $5K. After pointing them to The Samba to see "current Market Value", they improved things to 75/25 in my favor and paid $10.2K. There was a dispute from Geico, the Tesla Guy; it went to Insurance Arbitration....and I think more evidence was presented including Tesla dash cam. Farmers came back with "we will pay 100% of damages and refund your $500 deductible". So good news there, and also no rise in annual premium. I drove pretty smart before, but now I drive even smarter, checking everything thrice!
On Tuesday, July 25, 2023 at 10:07:55 AM PDT, Eric Caron <ericcaron96@comcast.net> wrote:
Yes, Well sort of. There were some requirements or at least they asked things like how many miles per year. But I’m way under any cut offs. And There were no show or pavement restrictions. Really the only thing was the garage and the second daily driver. In my case I don’t remember any other restrictions. And I put the values very high on both vans. I wanted to be assured of a return that would really let me get a comparable replacement vehicle in case of disaster.
This was Hagerty
Eric Caron
> On Jul 25, 2023, at 12:18 AM, David McNeely <davmcneely40@gmail.com> wrote:
>
> Are you talking about a classic car policy? Whenever I've asked for quotes for that from several different providers, all have specified not just that the vehicle be garaged (no problem there), but that it not be driven off pavement, that it be driven under 5K miles per year, that it be shown at least one time per year (the last was not specified by all, but by some). There were other requirements, but I don't recall all of them. Every agent I spoke with said I was better off with a regular policy if I wanted to drive the van, and especially if I wanted to use it for camping. mcneely
>
> On Mon, Jul 24, 2023 at 6:17 PM Eric Caron <ericcaron96@comcast.net <mailto:ericcaron96@comcast.net>> wrote:
>> Hi John,
>>
>> We use Hagerdy Insurance for older cars. You need to have a second car for daily use and garage your van to make it worth while. I do that and have a good rate on two vans and insured for replacement value and I have a cherished salvage option. Cost for two vans is less than your one.
>>
>> Eric
>>
>>
>> > On Jul 24, 2023, at 12:02 AM, David McNeely <davmcneely40@gmail.com <mailto:davmcneely40@gmail.com>> wrote:
>> >
>> > Hmmmm.... . Not my experience with State Farm at all, though I have only
>> > dealt with them as a not at fault party with their customer at fault. They
>> > sent an adjuster to me, not me to a body shop. The adjuster said the
>> > damage is X amount, and "I'll cut you a check now." I said, "No, I'll take
>> > it to 3 shops and let you know what the cost of repair is." He said,
>> > essentially, "Here is the check, take or don't, we will not pay based on
>> > any other estimates." I said, for him to just keep his check, and I'd get
>> > back with them as to what it would cost and where I wanted the work done.
>> > It took over 3 months to get it straight, but eventually I got my car fixed
>> > at the shop I chose, and reimbursed for the rental I had to get for the 3
>> > months. It seemed like the company thought I'd give up. Maybe a lot of
>> > people do. I have no use for State Farm. mcneely
>> >
>> > On Sun, Jul 23, 2023 at 4:45 PM OlRivrRat <OlRivrRat@comcast.net <mailto:OlRivrRat@comcast.net>> wrote:
>> >
>> >> I’ve had StFarm for many many Years & pay $772.58/Yr for My
>> >> 90Westy &
>> >>
>> >> have never been disappointed when I needed them ~ Several Years ago a car
>> >> in
>> >>
>> >> front hit a tree branch in the road & flipped it into My Van taking out
>> >> the DriveSide
>> >>
>> >> HeadLight, puting a thumbnail sized dent in the body edge left of the
>> >> light& another
>> >>
>> >> small dent in the DriveSide Groove a couple of feet behind the door,,,
>> >> Body shop
>> >>
>> >> StFarm sent Me to said it would be $1200 to fix,,, StFarm handed Me a
>> >> Check &
>> >>
>> >> said fix it or don’t, We don’t care,,, I asked, If I cash the check will
>> >> My rates go up
>> >>
>> >> & answer was, If You had hit the branch Your rates would go but since the
>> >> branch
>> >>
>> >> hit You there will be no increase ~
>> >>
>> >> ORR ~ DeanB
>> >>
>> >>> On 23 Jul , 2023, at 4:40 AM, John Rodgers <jrodgers113@GMAIL.COM <mailto:jrodgers113@GMAIL.COM>>
>> >> wrote:
>> >>>
>> >>> Thanks for the info. Very helpful.
>> >>>
>> >>> On Sun, Jul 23, 2023 at 12:42 AM David McNeely <davmcneely40@gmail.com <mailto:davmcneely40@gmail.com>>
>> >>> wrote:
>> >>>
>> >>>> I don't remember the cost off the top of my head, but it is considerably
>> >>>> less than that including both my camper and my Prius. I am in Spokane,
>> >>>> Washington, and my insurance is from Safeco through AAA. Formerly I had
>> >>>> Progressive, cost was less, but Progressive dropped out of the
>> >> homeowner's
>> >>>> insurance market here because of wildfire danger, and raised my auto
>> >> policy
>> >>>> price also, so I ditched them. With the combined homeowner's and auto
>> >> the
>> >>>> price was good, but with only auto it wasn't.
>> >>>>
>> >>>> On Sat, Jul 22, 2023 at 4:05 PM John Rodgers <jrodgers113@gmail.com <mailto:jrodgers113@gmail.com>>
>> >>>> wrote:
>> >>>>
>> >>>>> My van insurer just went over the line by raising my insurance another
>> >> $25
>> >>>>> a month. USAA just raised my insurance another $25/MO. UP to $148.00 a
>> >>>>> month. I'm looking for another source. I drive about 7000 miles a year.
>> >>>>> $148/mo is too much. Any suggestions?
>> >>>>>
>> >>>>
>> >>
>>
| 
