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02-12-2018, 01:28 AM | #1 |
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Join Date: Aug 2016
Location: Florida, USA
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What the insurance company thinks I drive
Lol!
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02-12-2018, 10:10 AM | #2 |
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Join Date: Apr 2015
Location: Fort Washington Pa
Posts: 145
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Re: What the insurance company thinks I drive
Haha too true!
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02-12-2018, 05:36 PM | #3 |
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Join Date: Mar 2015
Location: Morada, CA --- (Near Lodi)
Posts: 1,443
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Re: What the insurance company thinks I drive
Think....
Reality.....
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My Build: 57 Chevy Pro-Street |
02-12-2018, 09:22 PM | #4 |
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Join Date: Jul 2007
Location: Toppenish, WA
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Re: What the insurance company thinks I drive
My insurance company required photos when I had stated value insurance on the truck.
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Founding member of the too many projects, too little time and money club. My ongoing truck projects: 48 Chev 3100 that will run a 292 Six. 71 GMC 2500 that is getting a Cad 500 transplant. 77 C 30 dualie, 454, 4 speed with a 10 foot flatbed and hoist. It does the heavy work and hauls the projects around. |
02-12-2018, 10:24 PM | #5 |
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Re: What the insurance company thinks I drive
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02-12-2018, 10:38 PM | #6 |
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Location: River John, NS
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Re: What the insurance company thinks I drive
My insurance policy has a section in bold print that says "We reserve the right to deny any claims if you have made any modifications to insured vehicles that the insurance company has not been notified about". So I prefer they know exactly what has been done to the vehicle.
Before this notice I assumed that the repair of any modifications would not be covered by insurance, now they tell me that I essentially have no insurance if I modify the vehicle and do not tell them about the mods.
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53 Chevy 3100, SBC 355, 700R4, S10 frame, Ford 8.8 rear with 4.11 gears, front disc & rear drum brakes |
02-12-2018, 11:42 PM | #7 | |
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Location: Boise, Idaho
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Re: What the insurance company thinks I drive
Quote:
Brian
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1948 Chevy pickup Chopped, Sectioned, 1953 Corvette 235 powered. Once was even 401 Buick mid engined with the carburetor right between the seats! Bought with paper route money in 1973 when I was 15. "Fan of most anything that moves human beings" |
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02-13-2018, 09:21 AM | #8 |
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Join Date: Feb 2010
Location: Lebanon, Ohio
Posts: 1,359
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Re: What the insurance company thinks I drive
Double YEP. Especially when you make a written record of it on a forum...
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Bob "It won't take long and it won't cost much." '55 3100 (383/700R4)--'55 Belair Sedan (350/4-speed)--'64 'Vette Conv. (327/4-speed)--'68 GTO Conv. (462/4-speed)--'69 Cutlass Conv. (350/TH350)--'06 'Vette Conv. (LS2/6-speed) Bob's Retirement Build - My 55 TF Bob's 700R4 Build (how-to) |
02-13-2018, 10:07 AM | #9 |
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Join Date: Sep 2009
Location: Monroe,Iowa
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Re: What the insurance company thinks I drive
My Agent checked out my S10 when I Insured it. He told me that if I had a wreck and it wasn't on Record I would only get it replacement parts for a Stock 1992 S10. I am confident that my Ls S10 is Worth more than a 4 Banger w/4 speed!
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02-13-2018, 10:43 AM | #10 |
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Join Date: Dec 2000
Location: Boise, Idaho
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Re: What the insurance company thinks I drive
The thing is, until you have an accident, they don't care because you are paying them on the value of the truck. Once you have an accident and they see it, NOW is when the trouble starts. Now is when they come out to estimate the damage and it's all recorded, they are not stupid.
I see this kinda thing every day. Not so much the change in description but this is an interesting subject and I will ask the next insurance estimators who come by the shop (typically many a week.) I know I have seen people who were trying to scam a claim and I made damn sure the insurance company had many more photos and info than usual so they would be aware. But they have patterns they see and I can't make it clear enough, they aren't stupid. Brian
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1948 Chevy pickup Chopped, Sectioned, 1953 Corvette 235 powered. Once was even 401 Buick mid engined with the carburetor right between the seats! Bought with paper route money in 1973 when I was 15. "Fan of most anything that moves human beings" |
02-13-2018, 07:57 PM | #11 |
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Join Date: Mar 2015
Location: Morada, CA --- (Near Lodi)
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Re: What the insurance company thinks I drive
You guys are just too serious here..... you really think the world is all fools????
lighten up! its for fun!
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My Build: 57 Chevy Pro-Street |
02-14-2018, 08:31 AM | #12 | |
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Join Date: Mar 2012
Location: Lakes Region NH
Posts: 3,200
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Re: What the insurance company thinks I drive
Quote:
The collector car insurance market generally does a better job with old vehicles imo. Pick a company that best matches your needs and don't bother with the "regular" insurance. |
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02-22-2018, 04:33 AM | #13 |
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Join Date: Sep 2014
Location: USA
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Re: What the insurance company thinks I drive
Ha ha, I did a similar thing with a car show sign for my former '34 Ford PU. You'd be surprised how offended purists would get - they just have no sense of humor!
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02-22-2018, 01:59 PM | #14 |
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Join Date: Jun 2006
Location: Idaho
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Re: What the insurance company thinks I drive
Better to work with a good agent and be up front when you purchase the insurance. I checked with mine before I started and if the value in under 10K no appraisal is required. Over that I need to get an appraisal with photos and they will assign a value. I'd rather argue now than later. Helps to have been with the same company for 40+ years (Allstate). Also helps that I have continuously had a classic insured as a daily driver all that time. In the 90's I checked and could not find another company that would insure a classic as full time driver.
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1959 Chevy Short Fleetside w/ 74 4WD drive train (current project) OrrieG Build Thread 1964 Chevelle Malibu w/ 355-350TH (daily driver) Helpful AD and TF Manual Site Old Car Manual Project |
02-23-2018, 04:57 AM | #15 |
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Join Date: Feb 2009
Location: Glendale, Az
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Re: What the insurance company thinks I drive
Hagerty, they're good.
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02-23-2018, 05:19 AM | #16 |
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Join Date: Aug 2016
Location: Florida, USA
Posts: 290
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Re: What the insurance company thinks I drive
ANPAC Chrome Insurance. It's agreed value coverage, so they really don't care what your car looks like. If you think it's worth $50,000 and are willing to pay the premium, they'll insure it for that value.
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