From: Glen Closson (glen@closson.com)
Date: Tue May 04 2004 - 20:31:35 PDT
Try State Farm. They have always taken my money!
Regards,
Glen
May the Joys of today be those of tomorrow!
May the goblet of life hold no dregs of sorrow!
-----Original Message-----
From: Military Vehicles Mailing List [mailto:mil-veh@mil-veh.org] On Behalf
Of David Cole
Sent: Tuesday, May 04, 2004 8:24 PM
To: Military Vehicles Mailing List
Subject: Re: [MV] Tank insurance
Do you know where you can get info on who sells non-ISO policies?
I heard that Progressive does that, however who else does? I'd like to
avoid them.
Dave
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> .
On Tue, 04 May 2004 18:15:06 -0700, Paul A. Thomas
<bluewhale@jaxkneppers.com> wrote:
> Herr, or Book:
>
> I can't agree with much of what you said, however my claims ( thus
> policy coverage ) information is 15 years old so to all: please take
> with a grain of salt.
>
> I ran " homeowners policy exclusion for wheeled vehicles " by Google
> and the first link had this info in it. THIS is the type of language
> that applies... and it definitely depends on the exact form used by
> that Ins Co..
>
> ***********************
> The current ISO homeowners policy defines "motor vehicle" as: "A self-
> propelled land or amphibious vehicle." Absent any written confirmation
> from an insurance carrier to the contrary, a Segway should be
> considered a "motor vehicle" under the policy.
> Under Section I of the policy coverage for motor vehicles is excluded
> except for:
> We do cover "motor vehicles" not required to be registered for use on
> public roads or property which are:
>
> (a) Used solely to service an "insureds"
> residence; or
>
> (b) Designed to assist the handicapped;
> *******************
>
> MOST companies use ISO forms for their policies, tho they amend them
> as they see fit. Companies like Progressive use their own forms so
> coverages change IE: if I have Progressive and you have an accident
> driving my car Progressive will cover you ONLY for the minimum
> required amount in that state... something like $15K here in Ca
> whereas the ISO forms give a permissive driver my policy limits.. One
> reason to stick with ISO based companies IMSHO.
>
> You need Liability insurance both for operating the vehicle as well as
> for parking it. A tank is an attractive neusence( my spell checker was no
> help here :{ ). I can't think of something that title would apply to
> more than a tank. *I* would crawl under a fence to be close to a
> parked tank. Imagine what kids would do to get near it?
>
> As I recall there are exceptions for Farming equipment, however tanks
> probably don't qualify. My totally uninformed SWAG is this is a motor
> vehicle and must be insured as one.
>
> Call Gulfway. They weren't that up to date on tracked vehicles when I
> asked a year ago for a lister, however they called Travelers ( the
> carrier they place all the collector/race stuff with ) and were told
> 'yes, we insure those things'.
>
> Back to Herr's reply: umbrella policies are a great idea, however for
> something like this which should be covered by a primary policy they
> usually won't 'drop down' to cover a loss from dollar one if
> something occurs. They do for some things, like punching out the lowly
> marine who claimed army vets are dog meat ( sorry Bruce <G> ) then the
> sad marine sues you... but for an auto accident they are intended to
> be excess coverage and word their policies with great care.
>
> One last thought ( I know: thank goodness! ) Don't trust your
> insurance agent to know the policy. READ it. if you find something you
> think says the opposite of what you were told then ask them nicely.
> Insurance companies have teams of people who try ( I repeat: try ) to
> interpret what a judge or appellate court said as it affects coverage
> of the policy. Ins Agents try to keep up but have to sell policies
> and help with claims: keeping up with policy wording is not their Primary
focus.
> It may be you read/interpreted something incorrectly, but then again
> I've had to point things out to agents when trying to find coverage
> for my old MV's half a dozen times... sort of like having to help the
> local DMV when you go to get a new title for your recently purchased
historic vehicle.
> Because when you DO have an accident ( didn't someone get injured or
> killed at an MV gun shoot mid country a couple of years ago? ) the
> FIRST thing the insurance company will/should do is verify you Are
> covered, then see if any exclusions apply. If your agent botched it
> you can sue the agent later but you are still on the hook.
>
> Again, sorry for babbling. I dislike it when people pay a lot of money
> for coverage but aren't covered for what they thought they were.
> Killing all the lawyers would help, but then who would we put in the
> lagoon at the far end to attract the sharks when the rest of us what
> to go swimming?
>
>
> Regards
>
> Paul
>
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>
-- Dave===Mil-Veh is a member-supported mailing list=== To unsubscribe, send e-mail to: <mil-veh-off@mil-veh.org> To switch to the DIGEST mode, send e-mail to <mil-veh-digest@mil-veh.org> To reach a human, contact <ack@mil-veh.org>
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