Date: Tue, 21 Nov 2017 10:30:26 -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: <CY1PR12MB0181840A2674A25E0E5E6F9ABA230@CY1PR12MB0181.namprd12.prod.outlook.com>
Content-Type: text/plain; charset="UTF-8"
Does that mean you can only drive it on 180 days of the year? Or is the
policy only good for 180 days from purchase? I usually buy insurance for a
year at a time. My vendor is AAA, but the policy is actually issued by
Progressive, just like yours. My local AAA office, in Spokane, Washington,
is one that got me a quote from Progressive for an "agreed value" policy
that I could not accept because of driving restrictions.
On Tue, Nov 21, 2017 at 10:24 AM, David Boan <dboan@outlook.com> wrote:
> Good question, and I will make sure I understand correctly. the quote
> says up to 180 days and no mention of mileage.
>
> Get Outlook for Android <https://aka.ms/ghei36>
>
> ------------------------------
> *From:* David McNeely <davmcneely40@gmail.com>
> *Sent:* Tuesday, November 21, 2017 11:15:39 AM
> *To:* David Boan
> *Cc:* vanagon@GERRY.VANAGON.COM
> *Subject:* Re: insurance
>
> 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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>>
>
>
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