Author Topic: Buggy Insurance  (Read 7738 times)

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Offline Punkur67

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Re: Buggy Insurance
« Reply #15 on: December 13, 2009, 10:09:59 AM »
Generally the policies are "declared valued" which means that you state the approximate market value at inception so they may calculate the premium based in part at the cost of the asset at risk.  At the time of a claim, in the event of a total loss, they will research and determine "fair market value."  That value could go up or down but in no event will it exceed the policy limits.  This differs slightly from a "stated value" policy where the limits are paid as a matter of routine in the event of a total loss. 

If you declare the value correctly and have a claim, it will be a little tougher to have the "fair market value" reach the "declared value" (Policy limits) but not impossible - specially ifin you know the tricks / road / process.

At sandseeker you give them all of your car info and pics and they give you a value. He asked me what I felt my value was and we were within $1000. They definately know about sandrails. The owner of sandseeker goes to the desert and owns cars. When I rattled off my build list he knew everything I was talking about. I actually ended up talking for about 1-1/2 hours about the desert with the owner. He was very cool and informative. He even informed me about some issues I might have with my model of trailer.
Its better to be a smartass than a dumbass!

Offline fabr

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Re: Buggy Insurance
« Reply #16 on: December 13, 2009, 11:04:24 AM »
Got a contact number and do they sell in Kansas?
"There can be no divided allegiance here.  Any man who says he is an American,
but something else also, isn't an American at all.  We have room for but one
flag, the American flag... We have room for but one language here, and that is
the English language... and we have room for but one sole loyalty and that is a
loyalty to the American people."
Theodore Roosevelt 1907

-----------------------------------------------------------
 " You have all the right in the world to believe any damn thing you'd like, but you don't have the right to demand that I agree with your fantasy"

Offline Wyattboche

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Re: Buggy Insurance
« Reply #17 on: December 20, 2009, 12:39:08 AM »
Got a contact number and do they sell in Kansas?
fabr who are you asking? Me or someone else?

Offline fabr

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Re: Buggy Insurance
« Reply #18 on: December 20, 2009, 08:14:03 AM »
Sorrry,I was asking about sandseeker.
"There can be no divided allegiance here.  Any man who says he is an American,
but something else also, isn't an American at all.  We have room for but one
flag, the American flag... We have room for but one language here, and that is
the English language... and we have room for but one sole loyalty and that is a
loyalty to the American people."
Theodore Roosevelt 1907

-----------------------------------------------------------
 " You have all the right in the world to believe any damn thing you'd like, but you don't have the right to demand that I agree with your fantasy"

Offline Yummi

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Re: Buggy Insurance
« Reply #19 on: December 20, 2009, 11:47:25 AM »
**********************
I like things that move.   Pretty much limits me to cars and strippers

Did you know I have a blog?  Come on now, it is 2016, everybody does.  http://www.jeepingwithdogs.com

Offline Wyattboche

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Re: Buggy Insurance
« Reply #20 on: January 18, 2010, 02:06:52 PM »
Use the force:

http://lmgtfy.com/?q=sandseeker+insurance&l=1
I contacted this company, and they said I couldn't get there ins. because I don't live in california or Arizonia.The insuarnce man(my local ins guy) told me the value is ether what you paid for it or what would it cost to replace the buggy. Here is the email I sent and got back.
Doug, How do I determen the value of the dune buggy?
His response
What amount did you purchase it for, what did is cost for you to build or what would it cost to replace?
« Last Edit: January 18, 2010, 02:11:10 PM by Wyattboche »

Offline fabr

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Re: Buggy Insurance
« Reply #21 on: January 18, 2010, 02:13:20 PM »
Well that screws me also.
"There can be no divided allegiance here.  Any man who says he is an American,
but something else also, isn't an American at all.  We have room for but one
flag, the American flag... We have room for but one language here, and that is
the English language... and we have room for but one sole loyalty and that is a
loyalty to the American people."
Theodore Roosevelt 1907

-----------------------------------------------------------
 " You have all the right in the world to believe any damn thing you'd like, but you don't have the right to demand that I agree with your fantasy"

Offline Yummi

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Re: Buggy Insurance
« Reply #22 on: January 18, 2010, 03:23:07 PM »
That just means the agent is not licensed in those states (Stupid - easy process and he could expand his market - Whatever.....) Fix?  Simple - find another agent - you are looking for the carrier, not the agent. 

here is the carrier:

http://www.foremost.com/products/

do an agent search and it will be just fine.
**********************
I like things that move.   Pretty much limits me to cars and strippers

Did you know I have a blog?  Come on now, it is 2016, everybody does.  http://www.jeepingwithdogs.com

Offline fabr

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Re: Buggy Insurance
« Reply #23 on: January 18, 2010, 06:08:32 PM »
AHA!!!!
"There can be no divided allegiance here.  Any man who says he is an American,
but something else also, isn't an American at all.  We have room for but one
flag, the American flag... We have room for but one language here, and that is
the English language... and we have room for but one sole loyalty and that is a
loyalty to the American people."
Theodore Roosevelt 1907

-----------------------------------------------------------
 " You have all the right in the world to believe any damn thing you'd like, but you don't have the right to demand that I agree with your fantasy"

Offline fabr

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Re: Buggy Insurance
« Reply #24 on: January 18, 2010, 06:12:18 PM »
Hell,I have an agent right here in town that I've known for 40 years. This SHOULD be simple now.
"There can be no divided allegiance here.  Any man who says he is an American,
but something else also, isn't an American at all.  We have room for but one
flag, the American flag... We have room for but one language here, and that is
the English language... and we have room for but one sole loyalty and that is a
loyalty to the American people."
Theodore Roosevelt 1907

-----------------------------------------------------------
 " You have all the right in the world to believe any damn thing you'd like, but you don't have the right to demand that I agree with your fantasy"

Offline Wyattboche

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Re: Buggy Insurance
« Reply #25 on: January 18, 2010, 07:56:31 PM »
That just means the agent is not licensed in those states (Stupid - easy process and he could expand his market - Whatever.....) Fix?  Simple - find another agent - you are looking for the carrier, not the agent. 

here is the carrier:

http://www.foremost.com/products/

do an agent search and it will be just fine.
AHA I'll have to give that a try. Thanks Yummi

wildcatkit52

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Re: Buggy Insurance
« Reply #26 on: February 01, 2010, 09:11:50 PM »
You can damn well bet that whatever I have next will be full covered!

Offline fabr

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Re: Buggy Insurance
« Reply #27 on: February 01, 2010, 09:18:58 PM »
I bet so.
"There can be no divided allegiance here.  Any man who says he is an American,
but something else also, isn't an American at all.  We have room for but one
flag, the American flag... We have room for but one language here, and that is
the English language... and we have room for but one sole loyalty and that is a
loyalty to the American people."
Theodore Roosevelt 1907

-----------------------------------------------------------
 " You have all the right in the world to believe any damn thing you'd like, but you don't have the right to demand that I agree with your fantasy"

Offline fabr

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Re: Buggy Insurance
« Reply #28 on: May 23, 2010, 04:30:06 PM »
I've been doing some research about Foremost  insurance. Web stuff is not positive but is not anything buggy related that I can find. Anyone here -in Kansas-have any experience with a buggy claim of any kind and Foremost?
"There can be no divided allegiance here.  Any man who says he is an American,
but something else also, isn't an American at all.  We have room for but one
flag, the American flag... We have room for but one language here, and that is
the English language... and we have room for but one sole loyalty and that is a
loyalty to the American people."
Theodore Roosevelt 1907

-----------------------------------------------------------
 " You have all the right in the world to believe any damn thing you'd like, but you don't have the right to demand that I agree with your fantasy"

Offline fastcorvairs

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Re: Buggy Insurance
« Reply #29 on: May 23, 2010, 04:42:54 PM »
I've been doing some research about Foremost  insurance. Web stuff is not positive but is not anything buggy related that I can find. Anyone here -in Kansas-have any experience with a buggy claim of any kind and Foremost?

     I have Foremost but I have not had to claim on it as yet.  Will have to cross that bridge when I get there.  Was Easy to get.  Just called said I had a buggy that I wanted to insure and told them how much I had in it.  they sent me the policy.

If I believe I cannot do something it makes me incapable of doing it. But when I believe that I can, then I acquire the ability to do it , even if I didn't have it at the beginning.

 

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