What the insurance company thinks I drive - The 1947 - Present Chevrolet & GMC Truck Message Board Network

*Jesse Z* · 02-12-2018, 01:28 AM

Lol!

Erics51chevy · 02-12-2018, 10:10 AM

Haha too true!

ptc · 02-12-2018, 05:36 PM

Think....

Reality.....

**mr48chev** · 02-12-2018, 09:22 PM

My insurance company required photos when I had stated value insurance on the truck.

MiraclePieCo · 02-12-2018, 10:24 PM

Quote:

Originally Posted by mr48chev

My insurance company required photos when I had stated value insurance on the truck.

Mine did too. But you could always send them photos from BEFORE it was modified

Driver_WT · 02-12-2018, 10:38 PM

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.

MARTINSR · 02-12-2018, 11:42 PM

Quote:

Originally Posted by Driver_WT

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.

YEP, they are not stupid.

Brian

DransportGarage · 02-13-2018, 09:21 AM

Quote:

Originally Posted by MARTINSR

YEP, they are not stupid.

Brian

Double YEP. Especially when you make a written record of it on a forum...

Indian113 · 02-13-2018, 10:07 AM

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!

MARTINSR · 02-13-2018, 10:43 AM

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

ptc · 02-13-2018, 07:57 PM

You guys are just too serious here..... you really think the world is all fools????

lighten up! its for fun!

1project2many · 02-14-2018, 08:31 AM

Quote:

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 have similar experiences to what can happen with a modified truck. Our buses are essentially heavily modified one-ton vans. They cost between $45k and $60k new. But insurance will call them a van when they get wrecked and pay us a third of the value. Or they will scan Craigslist or another advertising venue and find old, unsafe, out-of-service buses to get comparable values. It's always a fight.

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.

MiraclePieCo · 02-22-2018, 04:33 AM

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!

OrrieG · 02-22-2018, 01:59 PM

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.

tmoble · 02-23-2018, 04:57 AM

Hagerty, they're good.

*Jesse Z* · 02-23-2018, 05:19 AM

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.

02-12-2018, 01:28 AM	#1
Jesse Z Account Suspended Join Date: Aug 2016 Location: Florida, USA Posts: 290	What the insurance company thinks I drive Lol! Attached Images

02-12-2018, 10:10 AM	#2
Erics51chevy Registered User Join Date: Apr 2015 Location: Fort Washington Pa Posts: 145	Re: What the insurance company thinks I drive Haha too true!

02-12-2018, 05:36 PM	#3
ptc Registered User Join Date: Mar 2015 Location: Morada, CA --- (Near Lodi) Posts: 1,443	Re: What the insurance company thinks I drive Think.... Reality..... __________________ My Build: 57 Chevy Pro-Street

02-12-2018, 09:22 PM	#4
mr48chev Registered User Join Date: Jul 2007 Location: Toppenish, WA Posts: 15,705	Re: What the insurance company thinks I drive My insurance company required photos when I had stated value insurance on the truck. __________________ 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, 10:38 PM	#6
Driver_WT Registered User Join Date: Dec 2017 Location: River John, NS Posts: 448	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. __________________ 53 Chevy 3100, SBC 355, 700R4, S10 frame, Ford 8.8 rear with 4.11 gears, front disc & rear drum brakes

02-13-2018, 10:07 AM	#9
Indian113 Registered User Join Date: Sep 2009 Location: Monroe,Iowa Posts: 4,370	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!

02-13-2018, 10:43 AM	#10
MARTINSR Registered User Join Date: Dec 2000 Location: Boise, Idaho Posts: 6,003	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 __________________ 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
ptc Registered User Join Date: Mar 2015 Location: Morada, CA --- (Near Lodi) Posts: 1,443	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! __________________ My Build: 57 Chevy Pro-Street

02-22-2018, 04:33 AM	#13
MiraclePieCo Registered User Join Date: Sep 2014 Location: USA Posts: 2,249	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! Attached Images

02-22-2018, 01:59 PM	#14
OrrieG Registered User Join Date: Jun 2006 Location: Idaho Posts: 8,800	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. __________________ 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
tmoble Registered User Join Date: Feb 2009 Location: Glendale, Az Posts: 1,062	Re: What the insurance company thinks I drive Hagerty, they're good.

02-23-2018, 05:19 AM	#16
Jesse Z Account Suspended Join Date: Aug 2016 Location: Florida, USA Posts: 290	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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