CK5
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What do you do for crawler insurance?
- Thread starter urbex
- Start date
urbex
1/2 ton status
Well, seeing as how I've yet to figure out how to get a truck, trailer, rig, woman, and dog 2000 miles across the country without making a single stop for food, fuel, bathroom breaks....sleep...I don't see where I have a whole lot of choice in the matter.
I guess with that logic, none of us should have insurance on anything at all we drive for any reason at all
I guess with that logic, none of us should have insurance on anything at all we drive for any reason at all
trailers and or cars/rigs on the trailers get stolen all the time from owners on the road. It's not hard to get a trailer off a truck while you're sleeping in a hotel.
Someone had the balls to steal a Roadkill vehicle over the weekend from a hotel parking lot. Had a blown engine and transmission so they must have towed it....
"Via David Freiburger’s Instagram, it’s been reported that the Mazdaratti, the famed 1974 Mazda REPU with an Olds 455ci V8 and transaxle from Roadkill was stolen late Sunday night. The after blowing up the engine and a small family of half-shafts trying to run tens (read about the prep here), they finished shooting the episode and stayed the night at a Hampton Inn in Blythe, California where the truck was reported stolen. It was strapped down to the trailer, which made it more than tough for the thieves to get to it."
Someone had the balls to steal a Roadkill vehicle over the weekend from a hotel parking lot. Had a blown engine and transmission so they must have towed it....
"Via David Freiburger’s Instagram, it’s been reported that the Mazdaratti, the famed 1974 Mazda REPU with an Olds 455ci V8 and transaxle from Roadkill was stolen late Sunday night. The after blowing up the engine and a small family of half-shafts trying to run tens (read about the prep here), they finished shooting the episode and stayed the night at a Hampton Inn in Blythe, California where the truck was reported stolen. It was strapped down to the trailer, which made it more than tough for the thieves to get to it."
urbex
1/2 ton status
Nearly 400K in NASCAR stuff stolen.... https://www.businessinsider.com/r-dude-wheres-my-race-car-2015-2 Buddy had the coupler lock cut from his trailer several years ago. Drug the truck out of the way, left the cut lock on the ground, hitched up to the trailer, and drove off. It happens.
Normally all this stuff can be covered under some insurance policy for just such a situation. Even off road race cars can be insured....provided they're not licensed for street use. Which all of our stuff is. Yeah, I checked with some racer insurance providers as well when I first started looking into this, and got stopped with all of them as soon as I said our stuff is licensed for street use, which they pretty much have to be based on the way State of Arizona laws are set up, as we can't register them like ATVs without getting really creative with loop holes.
Normally all this stuff can be covered under some insurance policy for just such a situation. Even off road race cars can be insured....provided they're not licensed for street use. Which all of our stuff is. Yeah, I checked with some racer insurance providers as well when I first started looking into this, and got stopped with all of them as soon as I said our stuff is licensed for street use, which they pretty much have to be based on the way State of Arizona laws are set up, as we can't register them like ATVs without getting really creative with loop holes.
Mine is registered as a street legal ATV. Progressive insured it as a ATV until they figured it out that it was a truck before. I even told them when I got the policy what it was.
Half the gun store strapped to yourself is just being prudent... 3/4 of the gun store..now thats paranoid
Double like.
runamok151
1 ton status
chain one of these to the steering wheel when you're not using it.
Green Monster
1/2 ton status
It's not that insurance companies think something shady is going on. The problem is that a policy simply doesn't exist for what you want. The minute a policy is bound that extends comp and collision, the company is on the hook for damage. There isn't a policy available that lets you pick and choose which items on a vehicle you want covered. For obvious reasons.This thread illustrates very well part of the problem I've been having...I am NOT attempting to circumvent the system, pull one over on "the man" or anything else like that. I don't want to try to fool the insurance company into thinking my toys are something they're not, or try to scam the insurance company to pay to rebuild my thrashed rigs.
Just like Green Monster, most people just automatically go right to assuming shady stuff is being done when I even bring this up, especially insurance agents. I've done what homework I can do, and it's been EXTREMELY frustrating talking to some of these people. Regardless of how many times I try to tell them that I don't care about collision damage, that yes, there is already extensive body damage that I'm not looking to have repaired, and that I'm really only looking at the cost of drivetrain replacements in the event of theft, I keep hearing the same scripted BS - "we don't cover off road damage.."
1977K5 got it - all I'm concerned about is theft and fire coverage. And really, I wasn't even thinking about about fire coverage..in all the years I've been doing this, I've never once had a fire issue, even a minor one. More often than not, my rigs go from the garage to the trailer, down the trail, back to the trailer, and back to the garage. I never drive them on the pavement unless it's absolutely necessary. But we do occasionally take them on camping trips, or out of state, and there's only so much I can do to secure them in a parking lot somewhere. All the kill switches in the world don't protect me when the trailer is stolen, and I'm not living like a paranoid goon with half the gun store strapped to myself
Maybe 15 grand is a drop in the bucket to some of you guys, and not worth insuring, but it's a lot of money to us, and has taken years to assemble this stuff.
