Military Vehicles, June 1997,: RE: [MV] J.C. Taylor Insurance - UPDATE!!!! Pls Read!

RE: [MV] J.C. Taylor Insurance - UPDATE!!!! Pls Read!

Gary R. Downing (
Sun, 01 Jun 1997 13:00:53 -0500

At 01:06 PM 5/27/97 UT, you wrote:
>I just spoke with Mr. Joe Wallace of JC Taylor Insurance as to why I was
>rejected on my insurance for my 1953 M38A1. I read back to him his
>declination text and he asked a few other questions.
>1.Are you a member of MVPA? YES
>What do you use it for? Parades, Club Activities, Maint runs
>2.Does it have a trailer? YES
>** he said there is to much liability with trailers so they don't insure
>3.Is is fully restored? In Process
>** he said they must be completed and not in process **
>So...... When you apply for insurance or renew, DO NOT SEND A PICTURE
>I'm going elsewhere on this one.......
>Greetings from Gary in gatorland (panhandle Florida). A little advice for
insurance hunters. If you SAY you have a restored vehicle to obtain
insurance but it is actually in less than perfectly restored condition, you
may get an insurance policy. YOU ARE NOT INSURED! Insurance companies
don't have the time nor the interest to investigate the accuracy of every
word you put on an application form. Have a claim, however, and they are
going check EVERYTHING! If you've made a false statement or even a
statement that, in your judgment, is true but the insurance company thinks
otherwise, you are out of luck. The least you could hope for is a
favorable judgement if you sue the insurance company. Usually, you take the
loss of the vehicle damage PLUS you are out all of the money you paid out
in premiums.

You WANT an agent to inspect your vehicle and bless it! And, accurately
describe it's condition and appearance! AND commit this to paper! If all
this is done you MAY be insured. If the company is reputable and has a
reputation for good claim service you are probably insured. Anyone who
assumes ANY insurance company is 100% reliable has not had much experience
with insurance companies. (They can go bankrupt and take your money with
them.) If you can't find a company that you can feel 98% comfortable with,
look elsewhere or do without. I insure myself. Against accidents: I drive
extra cautiously. Against theft: I keep a thirty round mag in my AK-47.
Against vandalism: I show my 100yd shot group to all the local teenagers.
I'm only about 75% sure of my system but on the other hand I don't charge
myself insurance premiums.

Hope I've helped. Best regardes to all the MV people. Gary,

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