Date: Tue, 21 Nov 2017 10:15:39 -0800
Reply-To: David McNeely <davmcneely40@GMAIL.COM>
Sender: Vanagon Mailing List <vanagon@gerry.vanagon.com>
From: David McNeely <davmcneely40@GMAIL.COM>
Subject: Re: insurance
In-Reply-To: <CY1PR12MB0181137468693880CE3870B9BA230@CY1PR12MB0181.namprd12.prod.outlook.com>
Content-Type: text/plain; charset="UTF-8"
David, are you allowed to use the vehicle freely as you choose? I know you
said that a part of the consideration on Progressive's part was that the
vehicle is "used sparingly." Whenever I have tried to obtain an "agreed
value" policy, it has always come with a restricted driving clause that I
cannot accept, even though my van is also "used sparingly." For example,
restricted to paved roads, in some cases restricted to being driven for
club or show activities. Of course, I do not participate in such
activities, and I do use my vehicle for camping. Further, I might (and
occasionally do) want to run to the store in the van, perhaps pick up items
I can't fit in my Prius. But I drive it generally less than 6K miles a
year.
On Tue, Nov 21, 2017 at 9:31 AM, David Boan <dboan@outlook.com> wrote:
> 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>
> Sent: Friday, November 10, 2017 1:26:14 AM
> To: David Boan; 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
> 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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