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Insurance

Discussion in '1973-1991 K5 Blazer | Truck | Suburban' started by LittleJimmy, May 16, 2001.

  1. LittleJimmy

    LittleJimmy 1/2 ton status

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    Well seeing a couple of guys on the board getting there rigs stolen really sucks, but anyway. I just wanted to see if any of us here (guys and gals) have full coverage insurance on there rigs. If you are financing your rig than you have to have full coverage, but for those of us who own them, I just wanted to see if anyone has full coverage or just laibility? I know for a fact that full coverage will not cover the rims and wheels, but I was wondering if it would possibly cover all the other goods on our rigs. Let me know what you guys and gals think. Later LittleJimmy....
     
  2. BigTex

    BigTex 1/2 ton status

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    Get away from the term "full coverage" as that term means many different things to many different people. Generally (in Texas)what it means to most is both liability and collision coverage. What it means to me is having absolutely every single coverage you can purchase. I personally do not have collision but I do have comprehensive (for theft). Collision (again, here in Texas anyway) does cover wheels and tires if they are damaged in an accident. Living so close to the Mexican border I also carry uninsured motorist and would highly recommend that to ANYONE living anywhere near a Mexican border. Keep in mind that insurance companies are regulated differently in every state, so what applies to someone else's state may not apply in yours. Oh, and by the way, I'm a claims adjuster for a very large insurance company, so I'd like to think I know at least a little about these things (ha!). I know insurance companies aren't too popular on this board, so please--easy on the cheap shots. In the famous words of Daffy Duck--It's a living!
     
  3. ChevyCaGal

    ChevyCaGal 3/4 ton status

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    Full Coverage doesn't cover jack...you have to get extra policies to cover extra things not covered by them. I have AAA, soon to be dropped after I am done suing them. They stink and I have encountered a group of more stupid people in my life. They lied so many times about what was to be covered when my stereo was stolen. I got all the phone calls recorded with the adjuster and he's so screwed because he lied to his lawyer about what he said. I can't wait to see his face when the tapes play and he hears his exact words! Then with an accident they are putting the fault on me even though it wasn't my fault.....they did a 180 turn when the lady who was at fault sued them. WTF?! I don't think so. If she's playing dirty and lying I have to resort to it myself to protect myself. So my suit is full of fun. All I can say is stay away from AAA. Some people may have good luck but in my opinion if you really look at them and what your policy is all about you will sadly find there is a ton they don't cover (even though they tell you they do) and many loop holes....

    "Suck Fumes Ford Boy"
    "I love my country, I fear my government"
    <A target="_blank" HREF=http://www.chevycagal.homestead.com/steph.html>http://www.chevycagal.homestead.com/steph.html</A>
     
  4. muddin4fun

    muddin4fun 3/4 ton status

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    If I could afford theft and uninsured insurance, I would. Collision insurance to me is a rip off (no offence BigTex) and it will keep me from getting into wrecks that are my fault if I have to pay for it.

    [​IMG]
    <A target="_blank" HREF=http://k5chevyblazer.homestead.com/home.html>http://k5chevyblazer.homestead.com/home.html</A>
     
  5. ftn96

    ftn96 1/2 ton status

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    This is too ironic. I have been driving mine now for 8 months with no insurance. ONLY due to the fact that I keep forgetting to add it to the policy. Im calling today.
    But IWas wondering about this too. I was thinking about getting liability (required), and then say comp and collision. But was worried about the coverage as to the mods and such. Im currently with Progressive, but would like to change to someone more reputable.

    Will work for beer, parts and tools.
    90-350TBI-TCI700-241-33"-10/12 bolt w/4.10's,
    <A target="_blank" HREF=http://www.nashvillek5.freeservers.com>http://www.nashvillek5.freeservers.com</A>
     
  6. bigblue

    bigblue 1/2 ton status

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    dude i thought i couldn't affrod theft too until i looked into it. It came out to be like 5 bucks a month extra. I am with Geiko. later

    [​IMG]
     
  7. BigTex

    BigTex 1/2 ton status

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    Yeah, bigblue is right. The extra coverage is generally just a few bucks more expensive. My advice is to look into it.
     
  8. ftn96

    ftn96 1/2 ton status

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    I just got off the phone with Progressive, I listed my rig as a secondary with comp and collision came out to 41.25 per month. That includes up to 1000 for additional parts and accessories. Adn I can purchase the performacen upgrade package that covers an additional 4000. but then the price goes up to $77 per month. Also talked to an agent and LOL!!! He has an 88 that he uses to trash the crap out of.
    Anywho, he tells me that 4" lift kit is the max they will allow and not concerned with the overall lift, just the kit.
    I went for the 41.25 coverage and will take time to think about the additional $4000 coverage. But all in all not too bad I dont think. As long as they pay up and dont throw me the shaft.

    Will work for beer, parts and tools.
    90-350TBI-TCI700-241-33"-10/12 bolt w/4.10's,
    <A target="_blank" HREF=http://www.nashvillek5.freeservers.com>http://www.nashvillek5.freeservers.com</A>
     
  9. CK5

    CK5 In my underwear Administrator Premium Member GMOTM Winner Author

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    Oh boy... Here we go, I have full coverage untill my policy runs out then Farmers said they are dropping me (gee thanks). I called a while back asking about additional coverage and told them about the wheels lift etc. when they called back they said not only could they not help me but that they would not insure lifted or modified trucks and when my policy expires that they are dropping me. I could call anyone and say I have a bone stock rig but then if I caused an accident or it was stolen I would loose everything. I need to find a carrier that will work with lifted trucks without raping me on price, so far no luck. I may try some other security things on my side and just run liability, why pay for full coverage when they arn't going to cover it anyway.

    Steve
    [​IMG]
    Mall-Running poseur 4x4 with curb-feelers
     
  10. CK5

    CK5 In my underwear Administrator Premium Member GMOTM Winner Author

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    Hmm, I think I will call Progressive.

    Steve
    [​IMG]
    Mall-Running poseur 4x4 with curb-feelers
     
  11. ftn96

    ftn96 1/2 ton status

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    Remember, they will not cover more than a 4" lift. I forgot your specs steve. And the +1000 and the optional 4000 coverage that covers the extras., that is for things that are bolted to the rig. Thats what the lady said.
    And they highly recommend the reciepts log book.
    Im going for it. 77 bones for "full" coverage. So with the KBB value at "ruff"-ly $4000 and the addtional $5000, I could have $9000 to start over. :0 DOE!!!!!!!!!!!!!!

    Will work for beer, parts and tools.
    90-350TBI-TCI700-241-33"-10/12 bolt w/4.10's,
    <A target="_blank" HREF=http://www.nashvillek5.freeservers.com>http://www.nashvillek5.freeservers.com</A>
     
  12. moneypit

    moneypit 1/2 ton status

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    I have Progressive on mine w/additional coverage for extras up to $5000 I beleive. I had a claim last year they came out the same day and took pictures and also told me that I need more coverage for all the xtras because I was underinsured. My policy is about to renew so i will shop around. I waas told that Allstate offers a stated value policy that I will look into also.
     
  13. ftn96

    ftn96 1/2 ton status

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    One more thing. It cant be used in a any kind of race or competition. So weekedn rec wheelin is in. They even told me that would cover me rolling it off-road or blowing out the drivetrain.
    Almost sounds to good to be true. ;?

    Will work for beer, parts and tools.
    90-350TBI-TCI700-241-33"-10/12 bolt w/4.10's,
    <A target="_blank" HREF=http://www.nashvillek5.freeservers.com>http://www.nashvillek5.freeservers.com</A>
     
  14. ftn96

    ftn96 1/2 ton status

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    Moneypit, so did you have any problems with them so far?

    Will work for beer, parts and tools.
    90-350TBI-TCI700-241-33"-10/12 bolt w/4.10's,
    <A target="_blank" HREF=http://www.nashvillek5.freeservers.com>http://www.nashvillek5.freeservers.com</A>
     
  15. LittleJimmy

    LittleJimmy 1/2 ton status

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    I just wanted to know what everyone's opinion was on the subject....
     
  16. 8_YOUR_H2

    8_YOUR_H2 1/2 ton status

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    I say go for it, get Comprehensive coverage at least to cover all of the "other than collision" losses like fire, theft, flood...ect. If the parts are attached to the vehicle they are considered a part of the vehicle and would be covered. Now the insurance company will probably only cover the cost to replace what ever is covered with an OEM part so dont expect to get a new set of 44" boggers if they are stolen. That is unless you have an endorsement added to the policy covering the extra equipment. Ask the agent to do a quote at least.
     
  17. Thunder

    Thunder 3/4 ton status

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    My neighbor was out ripping through the desert in his Chev PU. He was driving while blind and going pretty fast on a familliar dirt road out in the hills behind our houses. He hit a freshly washed out gulley that hadn't been there before the last rain storm. Well he broke his front axle completly in two and and did some other drive train/ suspention damage. His Insurance covered it all. No Questions. Fixed everything with new parts.
    Needless to say I have collision and uninsured motorist on my K5. And with the way Blazers are dissapearing latly I added theft too.
    If you value your ride I recomend having unsured motorist coverage. I carried it sence I had a cherry 71 Olds Cutlass S I had just finished restoring it. But just had liability insurance. and some guy without Insurance(he had phony proof of insurance) rearended it. He pretty much totaled it and I never got a dime.
     
  18. moneypit

    moneypit 1/2 ton status

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    No problems. They have been great.
     
  19. DMK

    DMK 1/2 ton status

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    Look in hemmings for specialty insurance companys. There are a lot of companys that specialize in race cars, street rods, off road, and specialty cars and trucks. Call around most have good rates and are avaliable in most states.[​IMG]
     
  20. ChevyCaGal

    ChevyCaGal 3/4 ton status

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    My insurance is $140 a month with AAA. My record has no points. (The ones I got from the wreck have yet to roll over because of the renew date of my policy) $77 sounds cheap to me. I'm checking out SafeCo currently. My friend has them with a Bunco and she pays $80 with better coverage then mine.....she also has mods that they know of and never said a word to her about them....

    "Suck Fumes Ford Boy"
    "I love my country, I fear my government"
    <A target="_blank" HREF=http://www.chevycagal.homestead.com/steph.html>http://www.chevycagal.homestead.com/steph.html</A>
     

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