RE: [Chevelle-list] car insurance

[Alex LaRue]

The definition of Daily Transportation is the key. It can mean transporting you everyday or it could mean transporting your over your daily route. I have always been told that driving to work is prohibited use. I also know from 25 years experience in the insurance business that the actual written contract over rules conversations. The seriousness of the accident is going to dictate the response from the insurance company and whether they hang in there with you or hang you out to dry. Food for thought!!!  If you are going to drive it to work, I would switch to a company that says it is ok in writing and enjoy driving the car to work once in a while.

Alex

-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED]On Behalf Of Tom Tomlinson
Sent: Friday, September 26, 2003 4:22 PM
To: The Chevelle Mailing List
Subject: RE: [Chevelle-list] car insurance

I'll take a look, but I guess it depends on the definition of daily transportation. I put 1500 miles a year on the car, it's not driven 1/2 the year. I don't drive it daily. My daily driver gets 10k miles a year. Therefore I don't consider it used for daily transportation. Yes, occasionally I drive it 5 miles to work.  No one at Hagerty ever asked me about going to work, so I can honesty say I answered the question honestly.

 

If this is not appropriate, then maybe I should switch, but I still don't see where it says you can't drive it to work once and a while.

 

Tom

-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED]On Behalf Of Alex LaRue
Sent: Friday, September 26, 2003 10:07 AM
To: The Chevelle Mailing List
Subject: RE: [Chevelle-list] car insurance

Tom,

Do you have a copy of your application to Hagerty? It is a part of your policy and question #6 asks "is any collector vehicle used for backup or DAILY TRANSPORTATION?" If you answered yes and Hagerty issued the policy you have no problems. If you answered no, then Part #3 "Limitations of use and applicant's statement" followed closely by your signature acknowledging that you have read and understand the info on the app will either make you lie at claim time or give Hagerty cause to deny your claim. When you drive to work on a Hagerty policy you are taking a big chance. As an agent, I represent other companies that will allow you to drive to work occasionally and they are competitively priced so there is really no need to put your health and your car at risk. I also sell Hagerty policies and the info above came straight off one I just sold. As for State Farm everything is easy until you get to the claim. Their policies are all Stated Value policies which give them the right at claim time to pay you less if they think your car is worth less than the coverage you paid for. The appraisal is not worth the paper it is written on to them. The only way you can overcome this is get a policy from another company that is based on AGREED VALUE or if you want to stay with State Farm have plenty of documentation (photos and receipts) and make sure you keep it in the house (not the car).

[Alex LaRue] www.LaRueInsurance.Net

 -----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED]On Behalf Of Tom Tomlinson
Sent: Thursday, September 25, 2003 10:56 PM
To: The Chevelle Mailing List
Subject: RE: [Chevelle-list] car insurance

I just re-read the policy carefully to see if there was any wording regarding "driving to work". I couldn't find anything. Under the definition of classic vehicle, it states:

 

    1) Is maintained primarily for use in car club activities, exhibitions, parades, other function of public interest or for a private collection; and

 

    2) Is used infrequently for other purposes

 

which doesn't seem to preclude driving to work.

 

The policy does stipulate having to have a "regular use vehicle". It does preclude use for hire, etc, but nothing I could find about driving to work.

 

If I call them, I'll ask where in the policy it says you can't use it to drive to work.

 

Tom

-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED]On Behalf Of Mark Weber
Sent: Thursday, September 25, 2003 6:04 PM
To: The Chevelle Mailing List
Subject: RE: [Chevelle-list] car insurance

As a sanity check, call in from your work phone so they don't know its you and ask them if you had their insurance is it ok if you drove your car to work a few times a month, assuming all other requirements (garaged, other daily drives etc)... 

 

I have two daily drivers and am the only one in the household.

 

The lady said driving to work was really the only thing they did not want me to do.  Maybe it depends on which person is answering your call that day?  The thing I did not want is some hassle if I get rear ended on the interstate in some traffic jam at 3:00 pm and trying to explain to the insurance company how I had the day off and bla bla bla while they are pressing that I violated the agreement.

 

Mark 

-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED]On Behalf Of Tom Tomlinson
Sent: Tuesday, September 16, 2003 7:01 AM
To: The Chevelle Mailing List
Subject: RE: [Chevelle-list] car insurance

Gee, I just switched from State Farm to Hagerty. They didn't give me a hassle about driving occasionally to work; their big issue was making sure there is a daily driver for every licensed driver in the family, which is a challenge for me with 2 kids driving now. I'm paying $125/yr ($8k value), versus $240/yr.

 

Tom Tomlinson

'71 Malibu

-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED]On Behalf Of Mark Weber
Sent: Sunday, September 14, 2003 9:22 PM
To: [EMAIL PROTECTED]; The Chevelle Mailing List
Subject: RE: [Chevelle-list] car insurance

I was with Hagerty for a year, then switched to State Farm.  I like to drive my car to work on occasion. That is really the biggest thing Haggerty is opposed to.  For $10000 value, Hagerty was $111 per year for full coverage.  State Farm gets $370 per 6 months for similar coverage.  With state farm I can suspend liability and collision during the months I don't drive it (winter in MN).

 

Mark

-----Original Message-----
From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED]On Behalf Of Melanie Lopez
Sent: Sunday, September 14, 2003 12:36 PM
To: [EMAIL PROTECTED]
Subject: [Chevelle-list] car insurance

I've been pricing insurance on our Chevelle and was wondering if most of you use your "regular" car insurance to insure your muscle car classics or if you use something else. I've priced a couple on the internet and my "regular " insurance is higher, but can you depend on these internet insurance companies ?  

 

Melanie