I have had more than usual trouble getting my M725 ambulance that I
bought at the Dallas MVPA 2 years ago insured. The guy I bought it from
had State Farm but it was listed as a pickup. My Farm Bureau agent was
going to write it up as a van, but I had been looking at antique car
insurance and asked if Farm Bureau had an antique rate. When my agent
asked the home office for a rate on an antique military ambulance, the
response was that; "Ambulances are on the banned list and we cannot
insure it at all." Any discussion of use, speed, no siren or red lights
etc brought the same response. I then tried one of the antique insurers
like J.C Taylor and was told that 1967 Jeeps were not collectable. Then
I tried another regular insurance agent, but my total bill for all my
regular cars plus the ambulance was much more than I was paying without
the ambulance. I finally just gave up.
Now for the questions.
Do all of you that have regular insurance have your vehicle listed as a
military vehicle or some close civilian equivalent like van, pickup
etc.?
Do most of you with regular insurance use your MV as regular or
part-time transportation?
Has anyone had a claim? How big was it? Did it get paid without any
problems?
To Rich Sherman and others with a large collection; Do you pay full
price for each vehicle? Minimum libility to get on the road in
Mississippi is about $150.00 a quarter times 6 is about $4000.00 a
year. (the multicar discount is only about 5% in Mississippi)
Are the fire trucks listed as such or just trucks?
How many people take Gary R. Downing's approach and "self insure"?
It's illegal in Mississippi to drive on public roads without any
insurance. If someone hits you and even if it is their fault, they
don't have to pay if you have no insurance.
Michael Howell
Tishomingo, Mississippi
M725 x 2
M37 x 3
M135/211 x 5
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