insurance inspection - The 1947 - Present Chevrolet & GMC Truck Message Board Network

c10Mang · 06-09-2010, 12:13 AM

I have to take my ride over to my insurance inspector. Do you any of you know what the requirements are? Should I get a piece of plywood to cover up the bags??

Thanks

fryer1979 · 06-09-2010, 12:24 AM

Quote:

Originally Posted by c10Mang

I have to take my ride over to my insurance inspector. Do you any of you know what the requirements are? Should I get a piece of plywood to cover up the bags??

Thanks

Mostly they're looking for any pre-existing damage, or anything that would make it "unsafe" or more of an insurance risk. Air suspension shouldn't be a problem, but I would make sure there aren't any cracks in the windshield, and all the lights are there. Other than that you should be good.

c10Mang · 06-09-2010, 12:45 AM

Quote:

Originally Posted by fryer1979

Mostly they're looking for any pre-existing damage, or anything that would make it "unsafe" or more of an insurance risk. Air suspension shouldn't be a problem, but I would make sure there aren't any cracks in the windshield, and all the lights are there. Other than that you should be good.

Cool!! Thanks!

andyh1956 · 06-09-2010, 12:59 AM

if you want the best rate, don't run over your agent's foot with your truck. just don't ask, it's still painfully embarrassing after all these years.
andy

c10Mang · 06-09-2010, 02:01 AM

Quote:

Originally Posted by andyh1956

if you want the best rate, don't run over your agent's foot with your truck. just don't ask, it's still painfully embarrassing after all these years.
andy

HAHA!! Maybe I should show him how low it goes.. and make sure his feet are under the rockers.. That would be bad..

*LILRED66* · 06-09-2010, 02:29 AM

I have insured several '60-'66 Chevy trucks and never had to take one in for a physical inspection. They have required several good photos, documenting the condition of the truck, but never in person. Also, I have always been instructed, that they want to insure it after it is complete, in the case of a restoration, so they can see the finished product of what they are insuring.

jonathan-m · 06-09-2010, 08:12 AM

Quote:

Originally Posted by LILRED66

I have insured several '60-'66 Chevy trucks and never had to take one in for a physical inspection. They have required several good photos, documenting the condition of the truck, but never in person. Also, I have always been instructed, that they want to insure it after it is complete, in the case of a restoration, so they can see the finished product of what they are insuring.

I'm going through this process as well, and thats what they told me.. they want to insure it when complete. The only problem I have is, what do they consider complete? My truck is complete to me, in that is is in presentable condition with no major rust and is road worthy. Its not show worthy though, there are dents and dings, and my bed is not the same color as the cab, etc. etc. But these are not things that I am going to be repairing in the forceable future. To me, they are signs of a well used truck that I have no problems leaving as they are. I just wonder if the insurance company will agree.....

I'm going to take it in anyway, but I have my doubts as to whether they will accept it for the classic vehicle insurance rate. a ten dollar a month rate would be great though....

*LILRED66* · 06-09-2010, 09:32 AM

In most cases, I think they mean ready to register, license and drive, but in the case of a restoration, they want it complete, so they know what they are insuring and, in the case of a claim, what they are repairing or replacing. When I have a restored truck insured, I get a "stated-value" policy, so they are insuring what I need to get out of it, if the building falls in on it or it is stolen. In some casese, a "stated-value" policy on a restored vehicle, falls under the classsic auto category and there are restrictions placed on the vehicle, like annual mileage limits, storage requirements and how it can be used, like parades, promotions, shows, cruises and other classic auto functions.

In any event, you don't want to play games with the process, like increasing the "stated-value" of a vehicle, that is not worth that much. An current and accurate appraisal is a good thing to have as a "safe-second", in case something catastrophic occurs, you have some support documentation. Also, a good photo record, is helpful, along with receipts.

Insurance is for the unexpected, so being prepared, by supporting your position, if something does happen, is vital. Procrastinating with this is not adviseable because you don't want to get in a bad position and find yourself saying, "I wish I would have had that stuff together in my file".

T/C · 06-09-2010, 09:54 AM

I got accepted for my 1970 GMC .. Then 2 days later they randomly decided they didn't want to insure me any more and said i could just have all my money back... Would not give me a reason why or anything..

My trucks painted and running and everything but like anyone else i am always doing something to it..

So I get to pay 700 every 6 months and not 300 a year... Will try again next year maybe it had to do with me being 21

Slow Build · 06-09-2010, 01:38 PM

I've had insurance companies ask if the frame has been altered. I wouldn't think they would be too interested in insuring a vehicle with a Z'ed frame without a full inspection.

burbguy · 06-09-2010, 05:56 PM

I have state farm here in calif and they have had me bring my vehicles down to there office for an inspection as well. What they want is to see if first of all you have a vehicle that is the same as the one on your policy, and second of all to make sure that there isn't any previous damage that you might try to push thru against your policy. Now from my previous experiences, and it depends upon your agent, mine just walked out of his office, made a sweep around my truck (all while talking about his golf game), and meandered back to his office. He didn't even open the hood, or look in the interior...

I wouldn't worry about your upcoming inspection...

Russ65C10 · 06-09-2010, 06:12 PM

This is an interesting discussion....

I have had AAA for my entire life as a driver. They covered my truck no problem, no inspections, nada. They won't give me collison on it, but other than that its just an other car on my policy.

I have to wonder if the issue has more to do with your insurance company's concern about modifications?

06-09-2010, 12:13 AM	#1
c10Mang Registered User Join Date: May 2008 Location: Venice, Ca Posts: 322	insurance inspection I have to take my ride over to my insurance inspector. Do you any of you know what the requirements are? Should I get a piece of plywood to cover up the bags?? Thanks

06-09-2010, 12:59 AM	#4
andyh1956 Registered User Join Date: Mar 2010 Location: thomastown mississippi Posts: 1,261	Re: insurance inspection if you want the best rate, don't run over your agent's foot with your truck. just don't ask, it's still painfully embarrassing after all these years. andy

06-09-2010, 02:29 AM	#6
LILRED66 Account Suspended Join Date: May 2005 Location: Kansas City, KS Posts: 3,906	Re: insurance inspection I have insured several '60-'66 Chevy trucks and never had to take one in for a physical inspection. They have required several good photos, documenting the condition of the truck, but never in person. Also, I have always been instructed, that they want to insure it after it is complete, in the case of a restoration, so they can see the finished product of what they are insuring.

06-09-2010, 09:32 AM	#8
LILRED66 Account Suspended Join Date: May 2005 Location: Kansas City, KS Posts: 3,906	Re: insurance inspection In most cases, I think they mean ready to register, license and drive, but in the case of a restoration, they want it complete, so they know what they are insuring and, in the case of a claim, what they are repairing or replacing. When I have a restored truck insured, I get a "stated-value" policy, so they are insuring what I need to get out of it, if the building falls in on it or it is stolen. In some casese, a "stated-value" policy on a restored vehicle, falls under the classsic auto category and there are restrictions placed on the vehicle, like annual mileage limits, storage requirements and how it can be used, like parades, promotions, shows, cruises and other classic auto functions. In any event, you don't want to play games with the process, like increasing the "stated-value" of a vehicle, that is not worth that much. An current and accurate appraisal is a good thing to have as a "safe-second", in case something catastrophic occurs, you have some support documentation. Also, a good photo record, is helpful, along with receipts. Insurance is for the unexpected, so being prepared, by supporting your position, if something does happen, is vital. Procrastinating with this is not adviseable because you don't want to get in a bad position and find yourself saying, "I wish I would have had that stuff together in my file". Last edited by LILRED66; 06-09-2010 at 09:34 AM.

06-09-2010, 09:54 AM	#9
T/C Registered User Join Date: Aug 2009 Location: Krum Tx. Posts: 267	Re: insurance inspection I got accepted for my 1970 GMC .. Then 2 days later they randomly decided they didn't want to insure me any more and said i could just have all my money back... Would not give me a reason why or anything.. My trucks painted and running and everything but like anyone else i am always doing something to it.. So I get to pay 700 every 6 months and not 300 a year... Will try again next year maybe it had to do with me being 21

06-09-2010, 01:38 PM	#10
Slow Build Registered User Join Date: Sep 2009 Location: California Delta Posts: 2,163	Re: insurance inspection I've had insurance companies ask if the frame has been altered. I wouldn't think they would be too interested in insuring a vehicle with a Z'ed frame without a full inspection. __________________ Name: Rich Current Ride: 1964 C-10 Short Fleetside Daily Driver: 2005 GMC crew cab short fleetside /2001 Chevy Tahoe Past GM Trucks: 1959 GMC short stepside 1968 GMC short stepside-4x4 1973 Chevy short stepside 1989 Chevy short fleetside-reg cab 1993 Chevy short fleetside-Xcab 2002 Chevy short fleetside-Xcab Save the dinosaurs, use synthetic oil.

06-09-2010, 05:56 PM	#11
burbguy Registered User Join Date: Mar 2009 Location: Livermore,Ca. Posts: 114	Re: insurance inspection I have state farm here in calif and they have had me bring my vehicles down to there office for an inspection as well. What they want is to see if first of all you have a vehicle that is the same as the one on your policy, and second of all to make sure that there isn't any previous damage that you might try to push thru against your policy. Now from my previous experiences, and it depends upon your agent, mine just walked out of his office, made a sweep around my truck (all while talking about his golf game), and meandered back to his office. He didn't even open the hood, or look in the interior... I wouldn't worry about your upcoming inspection... __________________ Shawn 1966 short fleet 230 I-6 three in the tree (daily driver) 1966 short fleet big block th400 (building slowly) 1972 c10 3 door suburban 350 th350 (building faster than slowly) 2004 F250 power stroke (not dependable enough to be a daily driver) 2005 Kenworth T-800 Heavy Haul tractor (that's my true daily driver)

06-09-2010, 06:12 PM	#12
Russ65C10 Registered User Join Date: Jan 2010 Location: San Jose, CA Posts: 124	Re: insurance inspection This is an interesting discussion.... I have had AAA for my entire life as a driver. They covered my truck no problem, no inspections, nada. They won't give me collison on it, but other than that its just an other car on my policy. I have to wonder if the issue has more to do with your insurance company's concern about modifications?



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