specialty insurance

[67 chevelle]

Originally Posted by 70cst

I have Hagerty and I indeed need a locked garage ...

me 2 ,,, dave12 ,,we live in a s-hole

[Grumpy old man]

Here in Tn they just finally last week started the insurance requirements that most states including Fl have had for decades . Get pulled over and they can check right there on the spot if your current ,If not they will impound your car/truck and take you to jail . You would not believe how many people here don't even have a DL let alone insurance . Good insurance is a must .

Something tells me there are going to be a large influx of vehicles at the Sheriffs sale at govdeals.com site in TN .

[67 chevelle]

A state trooper told me 40 % of drivers he pulls over in my county have no drivers license or insurance

[James the III]

Originally Posted by Mollzyie

Attachment 1609407

Unfortunately, we are unable to locate the client in our system


This is what I got from Hagarty on the independent insurance agent data base..

[el_fantasma]

Originally Posted by 70cst

I have Hagerty and I indeed need a locked garage ...

I drive my truck to work on Fridays, struck out with Hagerty there too. I only have liability since the blue book on any old vehicle is almost nothing.

[ga-stepside]

Originally Posted by wshattuck

put some metal sides and a door on that carport...

now you got a garage!

That might work in Dawsonville but won't work in most cities. I live in Sugar Hill GA and it won't work here.

[James the III]

Originally Posted by ga-stepside

That might work in Dawsonville but won't work in most cities. I live in Sugar Hill GA and it won't work here.

only has to be enclosed and lockable ..
now, town bylaws, that is a whole other bag of worms

[ga-stepside]

Originally Posted by James the III

only has to be enclosed and lockable ..
now, town bylaws, that is a whole other bag of worms

Yeah I was talking about town laws as to what can be made into a garage.

[Mollzyie]

Originally Posted by James the III

Unfortunately, we are unable to locate the client in our system


This is what I got from Hagarty on the independent insurance agent data base..

Ok super sleuth

[James the III]

Originally Posted by Mollzyie

Ok super sleuth

super, na. just what I use day in day out..

[hjewell2]

Here in Michigan since they are located in traverse city Michigan, I was asked about engine mods, garage, historical plates, miles . yup just got my renewal in the mail and it very simply states garage, pole barn , barn. also if you look at your declarations page it says underwritten by essentia insurance company.

[wshattuck]

yeah,,, here in Dawsonville its a little more lax than most!!!

[Rod Run]

Originally Posted by Mollzyie

If I was doing something malicious I'd be playing w fire . They walked me through it . I'm not the ins agent . Any problems and it's on them .

You are definitely playing with fire and it looks like you are OK with that. People have shown you, in black and white, that garaging is required, but your mind is already made up.

Every year they send out the full disclosure of their policy and it clearly states what is required. I honestly hope you don't ever need to make a claim, because if you think your agent will be on the hook for a denied claim payout.... You're in for a rude awakening

Hopefully you take care of this immediately and don't wait until next year. Either way, good luck.

[Mollzyie]

Originally Posted by Rod Run

You are definitely playing with fire and it looks like you are OK with that. People have shown you, in black and white, that garaging is required, but your mind is already made up.

Every year they send out the full disclosure of their policy and it clearly states what is required. I honestly hope you don't ever need to make a claim, because if you think your agent will be on the hook for a denied claim payout.... You're in for a rude awakening

Hopefully you take care of this immediately and don't wait until next year. Either way, good luck.

Go back to mid way through first page buddy ... Then get back w me ..... This topic is pretty much buried . You're late to the party . Fake news .

[Rod Run]

Originally Posted by Mollzyie

Go back to mid way through first page buddy ... Then get back w me ..... This topic is pretty much buried . You're late to the party . Fake news .

Sorry, I didn't know I couldn't comment on a thread if it was originally posted more than 24 hours ago

BTW.. . love the "fake news" reference

[ETsC10]

Originally Posted by Mollzyie

If I was doing something malicious I'd be playing w fire . They walked me through it . I'm not the ins agent . Any problems and it's on them .

Originally Posted by Mollzyie

I value all yer guys input not trying to debate or argue . Not about right or wrong . I could be crazy but they never asked me about garage or picture of garage . But then again . Op is asking about full coverage .

Originally Posted by Mollzyie

Ok super sleuth

Mollzyie, you are trolling. Please interact better or go elsewhere.

Originally Posted by Rod Run

You are definitely playing with fire and it looks like you are OK with that. People have shown you, in black and white, that garaging is required, but your mind is already made up.

Every year they send out the full disclosure of their policy and it clearly states what is required. I honestly hope you don't ever need to make a claim, because if you think your agent will be on the hook for a denied claim payout.... You're in for a rude awakening

Hopefully you take care of this immediately and don't wait until next year. Either way, good luck.

Rod Run, please don't feed the troll.

[ETsC10]

Originally Posted by dave`12

I've been unable to find specialty full coverage for my 67 c10. I've called several companies, and they all require a garage. I only have a carport.


If anyone knows of full coverage, where I could insure the truck for what I think it's worth, please let me know.

thanx

Dave,
As you can see, your options are, so far, slim. One gent mentioned a commercial storage unit but they can be quite costly... 250 sq. ft. here in Seattle is running close to $300/mo.

Years ago I insured a building through Lloyds of London due to the age and construction of the building. You may want to contact them or another broker like them and see what they say.

Is fleet insurance an option?
Rental of a private residential garage?

Subscribed.

[Rod Run]

Originally Posted by ETsC10

Mollzyie, you are trolling. Please interact better or go elsewhere.



Rod Run, please don't feed the troll.

No worries here. I'm out!

[ETsC10]

Originally Posted by Rod Run

No worries here. I'm out!

No no.. You are fine! Guess I should have added to my comment.

[dave`12]

Thanx for all your input.

I found this in a thread on another site:

"Well, I think I've found my answer. I talked with an agent who works with several insurance companies and Atlantic Mutual will write me an agreed value policy that has no garage, usage, or mileage restrictions. The agreed value will need to be based on a certified appraisal and everything will need to be documented (which is no problem for me)."


I will call tomorrow, see what's up.

[ETsC10]

Good deal Dave (hopefully).
I'm sure, considering how affordable these policies are, many here would have an interest in their response.

[70cst]

Originally Posted by dave`12

Thanx for all your input.

I found this in a thread on another site:

"Well, I think I've found my answer. I talked with an agent who works with several insurance companies and Atlantic Mutual will write me an agreed value policy that has no garage, usage, or mileage restrictions. The agreed value will need to be based on a certified appraisal and everything will need to be documented (which is no problem for me)."


I will call tomorrow, see what's up.

Great news ...

[James the III]

Originally Posted by dave`12

Thanx for all your input.

I found this in a thread on another site:

"Well, I think I've found my answer. I talked with an agent who works with several insurance companies and Atlantic Mutual will write me an agreed value policy that has no garage, usage, or mileage restrictions. The agreed value will need to be based on a certified appraisal and everything will need to be documented (which is no problem for me)."


I will call tomorrow, see what's up.

Just make sure there is no deprecation allowance.. Not all agreed value are the same.. and with them allowing no garage, I'd make sure they don't have a deprecation metric built in, and if so, does it go by the police date or the appraisal date..
You don't want to find out that agreed value is cut by a 3rd or more because of this metric .

[Rod Run]

Originally Posted by dave`12

Thanx for all your input.

I found this in a thread on another site:

"Well, I think I've found my answer. I talked with an agent who works with several insurance companies and Atlantic Mutual will write me an agreed value policy that has no garage, usage, or mileage restrictions. The agreed value will need to be based on a certified appraisal and everything will need to be documented (which is no problem for me)."


I will call tomorrow, see what's up.

That kind of sounds like when I used to get my insurance based on a "stated value" policy. When you get it valued by a certified appraiser, that's not really "agreed", but more "stated" by the written appraisal. You're both just agreeing to the value of the appraisal, which is still a good thing.

When I used to get my insurance based on those terms, the coverage was there, but the cost was actually more expensive than regular insurance and it did have depreciation built in, year after year, if I didn't get it re-appraised each time.

Even with all that, it was still worth the extra money it cost me, because when a guy blew through a stop sign and totaled my 1969 Camaro one night, I got full value. Good luck and hope you get what you need

[dave`12]

I called Atlantic Mutual 4 times today over a period of a couple of hours. Got the machine saying they were busy with other customers and call back each time.

Not a good sign, if I were trying to make a claim, I would be pissed.

The search continues.