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| [GMCnet] GMC Insurance [message #363759] |
Fri, 30 April 2021 15:44  |
Ken Henderson
Messages: 8726
Registered: March 2004
Location: Americus, GA
Karma: 9
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Senior Member |
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I've spent most of the day today trying to get the X-Birchaven re-insured.
Let me tell some of the tale:
A couple of years ago, United Automobile Association, a mutual
insurance company founded by and for military personnel and now one of the
largest, most admired companies in the country, decided to stop insuring
RV's. Instead they'd act as a "broker", taking a cut of the premiums for
the trouble, of course. They announced that they'd be passing all of their
clients off to Progressive, and provided instructions for the transfer. I,
and many others, being repelled by the politics of the principles of
Progressive, never made any effort to transfer and were therefore continued
under USAA coverage. I was comfortable with that, but did notice the
premiums rising more than expected.
When the GMC's policy came up for renewal in July 2021, it occurred to me
that the coach hadn't moved since November 2019 because of the pandemic.
It made little sense to me to continue spending hundreds of dollars for the
very minor risk of the coach setting in it's dedicated shelter, so I
cancelled the policy. From all indications at that time, it would be a
simple matter to re-start the policy when I was ready to begin moving the
coach again.
Today I attempted to perform that re-start. Rather than being simple, it
turned out that after everything except "closing the deal", USAA directed
me to another company. Not Progressive this time but Foremost, IIRC.
Naturally, that did not set well with me, so I've pursued that no further.
After much 'net searching I contacted a broker who specializes in RV
coverage. The agent there has been most cooperative and obtained quotes
from two companies. The slightly less expensive of those turned out to be
Progressive. Naturally, I refused that one. I asked for more information
about the other company, and offered the possibility of transferring all of
my cars' coverage to them. I'm waiting for the consolidated quote.
In the meantime, I contacted the most well known local broker, owned by a
high school classmate of mine. The agent there was also quite cooperative
and accepted that I would not deal with their first choice of a company,
Progressive. A few minutes ago, I got a call back from that agent to
inform me that they needed just a little more information before issuing a
policy: The professional appraisal, which I expected to need from Jim K.
(I'm only shooting for $25K 'tho' the coach is probably worth $40k), AND
photos of all 4 external sides as well as some internal shots. That didn't
seem unreasonable. But then, I asked the agent to confirm that they were
offering, as I had asked, an Agreed Value policy. After referring to the
paperwork, she informed me that the company would only issue an Actual Cash
Value policy! I didn't have to take a breath before declaring that I would
NOT go to all that trouble for such a policy -- which I'd tried to make
clear was not what I'd buy. I thanked her for the time wasted, and hung up.
My options are getting quite narrow! I may wind up with nothing but
liability coverage from some little-known company. Unless someone here has
a miraculous solution!
Ain't this fun!
Ken H.
Ken H.
Americus, GA
'76 X-Birchaven w/Cad500/Howell EFI & EBL,
Manny Brakes & 1-Ton, Troy-Bilt APU, etc., etc., etc.
www.gmcwipersetc.com
_______________________________________________
GMCnet mailing list
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Ken Henderson
Americus, GA
www.gmcwipersetc.com
Large Wiring Diagrams
76 X-Birchaven
76 X-Palm Beach
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| [GMCnet] Re: GMC Insurance [message #363761 is a reply to message #363759] |
Fri, 30 April 2021 19:21  |
sgltrac
Messages: 2797
Registered: April 2011
Karma: 1
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Senior Member |
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So what’s your issue with Progressive Ken? My main carrier is Encompass who
does my house/liability umbrella/MOST of my vehicles. For my Motorcycles
(primarily the HP4) they would not underwrite so we had to buy a stand
alone policy with progressive(my rollback tow truck with yet another
company)
Sully
Bellevue wa
On Fri, Apr 30, 2021 at 1:44 PM Ken Henderson
wrote:
> I've spent most of the day today trying to get the X-Birchaven re-insured.
> Let me tell some of the tale:
>
> A couple of years ago, United Automobile Association, a mutual
> insurance company founded by and for military personnel and now one of the
> largest, most admired companies in the country, decided to stop insuring
> RV's. Instead they'd act as a "broker", taking a cut of the premiums for
> the trouble, of course. They announced that they'd be passing all of their
> clients off to Progressive, and provided instructions for the transfer. I,
> and many others, being repelled by the politics of the principles of
> Progressive, never made any effort to transfer and were therefore continued
> under USAA coverage. I was comfortable with that, but did notice the
> premiums rising more than expected.
>
> When the GMC's policy came up for renewal in July 2021, it occurred to me
> that the coach hadn't moved since November 2019 because of the pandemic.
> It made little sense to me to continue spending hundreds of dollars for the
> very minor risk of the coach setting in it's dedicated shelter, so I
> cancelled the policy. From all indications at that time, it would be a
> simple matter to re-start the policy when I was ready to begin moving the
> coach again.
>
> Today I attempted to perform that re-start. Rather than being simple, it
> turned out that after everything except "closing the deal", USAA directed
> me to another company. Not Progressive this time but Foremost, IIRC.
> Naturally, that did not set well with me, so I've pursued that no further.
>
> After much 'net searching I contacted a broker who specializes in RV
> coverage. The agent there has been most cooperative and obtained quotes
> from two companies. The slightly less expensive of those turned out to be
> Progressive. Naturally, I refused that one. I asked for more information
> about the other company, and offered the possibility of transferring all of
> my cars' coverage to them. I'm waiting for the consolidated quote.
>
> In the meantime, I contacted the most well known local broker, owned by a
> high school classmate of mine. The agent there was also quite cooperative
> and accepted that I would not deal with their first choice of a company,
> Progressive. A few minutes ago, I got a call back from that agent to
> inform me that they needed just a little more information before issuing a
> policy: The professional appraisal, which I expected to need from Jim K.
> (I'm only shooting for $25K 'tho' the coach is probably worth $40k), AND
> photos of all 4 external sides as well as some internal shots. That didn't
> seem unreasonable. But then, I asked the agent to confirm that they were
> offering, as I had asked, an Agreed Value policy. After referring to the
> paperwork, she informed me that the company would only issue an Actual Cash
> Value policy! I didn't have to take a breath before declaring that I would
> NOT go to all that trouble for such a policy -- which I'd tried to make
> clear was not what I'd buy. I thanked her for the time wasted, and hung
> up.
>
> My options are getting quite narrow! I may wind up with nothing but
> liability coverage from some little-known company. Unless someone here has
> a miraculous solution!
>
> Ain't this fun!
>
> Ken H.
>
>
>
>
> Ken H.
> Americus, GA
> '76 X-Birchaven w/Cad500/Howell EFI & EBL,
> Manny Brakes & 1-Ton, Troy-Bilt APU, etc., etc., etc.
> www.gmcwipersetc.com
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
>
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
Sully
77 Royale basket case.
Future motorhome land speed record holder(bucket list)
Seattle, Wa.
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| Re: [GMCnet] Re: GMC Insurance [message #363762 is a reply to message #363761] |
Sat, 01 May 2021 03:09 |
Ken Burton
Messages: 10030
Registered: January 2004
Location: Hebron, Indiana
Karma: 10
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Senior Member |
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I have the same issue with USAA and Progressive. So I now have some of my vehicles with USAA and some with State Farm. I have my GMC with State Farm because USAA refused me and sent me to Progressive. I also have the same issue with USAA and motorcycles. I did not want my daughter's motorcycle with State Farm and USSA sent me to Progressive. So I do have one of our motorcycles (my daughter's) with Progressive.
I have had several unhappy experiences with USAA claims. One took 21 phone calls plus multiple emails and 60 + days to get resolved. Low ball estimates by contracted estimators and deductions for in nonexistent "previous damages" were some of the issues. They also towed the car and stored it 160 miles away without my permission. So a request to meet a real USAA adjuster to resolve the issues was rejected them. I got several emails stating that I had not responded to their voice mails. I responded that I do not have voice mail on my phone. So they just went silent. They would not return my phone calls. I eventually out waited them and contacted the state insurance commission. After that they managed to call me and give us a reasonable reimbursement. This is only one of several bad experiences with USAA claims.
I still have USAA on two cars, but everything else, including my home, has been moved back to State Farm. Most of my motorcycles were moved to a different company. I also moved my daughter's house to a different company.
I liked USAA for everything except claims, failure to file the required accident statements with the state, and coverage on motorhomes and motorcycles.
Ken Burton - N9KB
76 Palm Beach
Hebron, Indiana
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| [GMCnet] Re: GMC Insurance [message #363763 is a reply to message #363761] |
Sat, 01 May 2021 05:43 |
Ken Henderson
Messages: 8726
Registered: March 2004
Location: Americus, GA
Karma: 9
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Senior Member |
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Todd,
Thanks for your input. To stay GMC, I'll answer you privately.
Ken
On Fri, Apr 30, 2021 at 8:21 PM Todd Sullivan wrote:
> So what’s your issue with Progressive Ken? My main carrier is Encompass who
> does my house/liability umbrella/MOST of my vehicles. For my Motorcycles
> (primarily the HP4) they would not underwrite so we had to buy a stand
> alone policy with progressive(my rollback tow truck with yet another
> company)
>
> Sully
> Bellevue wa
>
> On Fri, Apr 30, 2021 at 1:44 PM Ken Henderson
> wrote:
>
>> I've spent most of the day today trying to get the X-Birchaven
> re-insured.
>> Let me tell some of the tale:
>>
>> A couple of years ago, United Automobile Association, a mutual
>> insurance company founded by and for military personnel and now one of
> the
>> largest, most admired companies in the country, decided to stop insuring
>> RV's. Instead they'd act as a "broker", taking a cut of the premiums for
>> the trouble, of course. They announced that they'd be passing all of
> their
>> clients off to Progressive, and provided instructions for the transfer.
> I,
>> and many others, being repelled by the politics of the principles of
>> Progressive, never made any effort to transfer and were therefore
> continued
>> under USAA coverage. I was comfortable with that, but did notice the
>> premiums rising more than expected.
>>
>> When the GMC's policy came up for renewal in July 2021, it occurred to me
>> that the coach hadn't moved since November 2019 because of the pandemic.
>> It made little sense to me to continue spending hundreds of dollars for
> the
>> very minor risk of the coach setting in it's dedicated shelter, so I
>> cancelled the policy. From all indications at that time, it would be a
>> simple matter to re-start the policy when I was ready to begin moving the
>> coach again.
>>
>> Today I attempted to perform that re-start. Rather than being simple, it
>> turned out that after everything except "closing the deal", USAA directed
>> me to another company. Not Progressive this time but Foremost, IIRC.
>> Naturally, that did not set well with me, so I've pursued that no
> further.
>>
>> After much 'net searching I contacted a broker who specializes in RV
>> coverage. The agent there has been most cooperative and obtained quotes
>> from two companies. The slightly less expensive of those turned out to
> be
>> Progressive. Naturally, I refused that one. I asked for more
> information
>> about the other company, and offered the possibility of transferring all
> of
>> my cars' coverage to them. I'm waiting for the consolidated quote.
>>
>> In the meantime, I contacted the most well known local broker, owned by a
>> high school classmate of mine. The agent there was also quite
> cooperative
>> and accepted that I would not deal with their first choice of a company,
>> Progressive. A few minutes ago, I got a call back from that agent to
>> inform me that they needed just a little more information before issuing
> a
>> policy: The professional appraisal, which I expected to need from Jim K.
>> (I'm only shooting for $25K 'tho' the coach is probably worth $40k), AND
>> photos of all 4 external sides as well as some internal shots. That
> didn't
>> seem unreasonable. But then, I asked the agent to confirm that they were
>> offering, as I had asked, an Agreed Value policy. After referring to the
>> paperwork, she informed me that the company would only issue an Actual
> Cash
>> Value policy! I didn't have to take a breath before declaring that I
> would
>> NOT go to all that trouble for such a policy -- which I'd tried to make
>> clear was not what I'd buy. I thanked her for the time wasted, and hung
>> up.
>>
>> My options are getting quite narrow! I may wind up with nothing but
>> liability coverage from some little-known company. Unless someone here
> has
>> a miraculous solution!
>>
>> Ain't this fun!
>>
>> Ken H.
>>
>>
>>
>>
>> Ken H.
>> Americus, GA
>> '76 X-Birchaven w/Cad500/Howell EFI & EBL,
>> Manny Brakes & 1-Ton, Troy-Bilt APU, etc., etc., etc.
>> www.gmcwipersetc.com
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
>
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
Ken Henderson
Americus, GA
www.gmcwipersetc.com
Large Wiring Diagrams
76 X-Birchaven
76 X-Palm Beach
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| Re: [GMCnet] Re: GMC Insurance [message #363767 is a reply to message #363763] |
Sat, 01 May 2021 11:32 |
mghamms
Messages: 466
Registered: March 2016
Location: Ware, Massachusetts
Karma: 2
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Senior Member |
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I have Amica Insurance on all of my vehicles.
May or may not be the cheapest but I have never had a problem with them.
1977 Kingsley 455 as stock as it gets except lots of Ragusa parts
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| [GMCnet] Re: GMC Insurance [message #363770 is a reply to message #363767] |
Sat, 01 May 2021 12:34 |
mghamms
Messages: 466
Registered: March 2016
Location: Ware, Massachusetts
Karma: 2
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Senior Member |
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Encompass has been good to us over the years and insured our GMC with an
agreed value policy. It’s been several years since I’ve insured one with
them however.
Sully
Bellevue wa
On Sat, May 1, 2021 at 9:32 AM Mike Hamm via Gmclist <
gmclist@list.gmcnet.org> wrote:
> I have Amica Insurance on all of my vehicles.
> May or may not be the cheapest but I have never had a problem with them.
>
> --
> 1977 Kingsley 455 as stock as it gets except lots of Ragusa parts
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
>
_______________________________________________
GMCnet mailing list
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1977 Kingsley 455 as stock as it gets except lots of Ragusa parts
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| Re: [GMCnet] Re: GMC Insurance [message #363782 is a reply to message #363770] |
Sun, 02 May 2021 07:17 |
jhbridges
Messages: 8412
Registered: May 2011
Location: Braselton ga
Karma: -74
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Senior Member |
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Pretty much all my insurance is with USAA except the GMC which they sent me to a specific person at Progressive. I buy liability only, which I believe was 150 this year, up from 125. I fully cover the new Kia only, the other two I'd have to wreck about once a year to come out even.
Back in The Day, my Dad the Judge advised us against buying from Allstate or State farm. He said "They show up in my courtroom more than any other." Over the years I've had to sic the lawyer on both One claim ended when the adjuster came to my office, got on his knees, and begged the privilege of settling. I've no idea what my lawyer told him, but it was sufficient. The other had/has a confidentiality clause.
--johnny
Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons.
Braselton, Ga.
I forgive them all, save those who hurt the dogs. They must answer to me in hell
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| [GMCnet] Re: GMC Insurance [message #363787 is a reply to message #363782] |
Sun, 02 May 2021 17:43 |
jimk
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
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Senior Member |
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Ken,
Give Emory Stora a call, He had me update the Independent Appraisal for
Agreed Value.
On Sun, May 2, 2021 at 5:17 AM Johnny Bridges via Gmclist <
gmclist@list.gmcnet.org> wrote:
> Pretty much all my insurance is with USAA except the GMC which they sent
> me to a specific person at Progressive. I buy liability only, which I
> believe was 150 this year, up from 125. I fully cover the new Kia only,
> the other two I'd have to wreck about once a year to come out even.
> Back in The Day, my Dad the Judge advised us against buying from Allstate
> or State farm. He said "They show up in my courtroom more than any other."
> Over the years I've had to sic the lawyer on both One claim ended when the
> adjuster came to my office, got on his knees, and begged the privilege of
> settling. I've no idea what my lawyer told him, but it was sufficient.
> The other had/has a confidentiality clause.
>
> --johnny
> --
> Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons.
> Braselton, Ga.
> I forgive them all, save those who hurt the dogs. They must answer to me
> in hell
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
>
--
Jim Kanomata
Applied/GMC, Newark,CA
jimk@appliedairfilters.com
http://www.gmcrvparts.com
1-800-752-7502
_______________________________________________
GMCnet mailing list
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Jim Kanomata
Applied/GMC
jimk@appliedairfilters.com
www.appliedgmc.com
1-800-752-7502
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| Re: [GMCnet] GMC Insurance [message #363788 is a reply to message #363759] |
Sun, 02 May 2021 18:23 |
lqqkatjon
Messages: 2324
Registered: October 2010
Location: St. Cloud, MN
Karma: 5
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Senior Member |
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Ken,
Look more into the actual cash value. I know you are set on agreed, but you stated you are looking at $25k. Actual cash value maybe more the. $25k. And cheaper then agreed policy.
Our values of coaches are going up. With ebay and internet there are more documentation about what the coach’s real value is.
There are a few that had reasonable settlements the past 5 years on actual cash value. Just make sure you have the appraisal, and know what current condition of your coach is in.
I would not say this if you wanted more then $30k for your coach.
There was actually one owner who had an agreed policy, never updated it after refurbished the entire coach, and lost bad when he had that claim. He would of gotten more had he not had the agreed policy.
Jon Roche
75 palm beach
EBL EFI, manny headers, Micro Level, rebuilt most of coach now.
St. Cloud, MN
http://lqqkatjon.blogspot.com/
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| [GMCnet] Re: GMC Insurance [message #363793 is a reply to message #363788] |
Sun, 02 May 2021 23:35 |
jimk
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
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Senior Member |
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We get calls all the time telling us their insurance evaluated a nice coach
worth $30,000 at $4,000 and salvage it.
We also had few that got full appraised value in $50,000.
On Sun, May 2, 2021 at 4:23 PM Jon Roche wrote:
> Ken,
>
> Look more into the actual cash value. I know you are set on agreed, but
> you stated you are looking at $25k. Actual cash value maybe more the.
> $25k. And cheaper then agreed policy.
>
> Our values of coaches are going up. With ebay and internet there are more
> documentation about what the coach’s real value is.
>
> There are a few that had reasonable settlements the past 5 years on actual
> cash value. Just make sure you have the appraisal, and know what current
> condition of your coach is in.
>
> I would not say this if you wanted more then $30k for your coach.
>
> There was actually one owner who had an agreed policy, never updated it
> after refurbished the entire coach, and lost bad when he had that claim. He
> would of gotten more had he not had the agreed policy.
>
>
> --
> Jon Roche
> 75 palm beach
> EBL EFI, manny headers, Micro Level, rebuilt most of coach now.
> St. Cloud, MN
> http://lqqkatjon.blogspot.com/
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
>
--
Jim Kanomata
Applied/GMC, Newark,CA
jimk@appliedairfilters.com
http://www.gmcrvparts.com
1-800-752-7502
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
Jim Kanomata
Applied/GMC
jimk@appliedairfilters.com
www.appliedgmc.com
1-800-752-7502
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| Re: [GMCnet] GMC Insurance [message #363795 is a reply to message #363759] |
Mon, 03 May 2021 07:46 |
lqqkatjon
Messages: 2324
Registered: October 2010
Location: St. Cloud, MN
Karma: 5
|
Senior Member |
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I should try to clarify ---
with any insurance, you need to have documentation. If you do not have an appraisal on your coach, the insurance will probably want to value it as junk. They will also probably come up to you 1st off and tell you it is old and junk. But if you have the appraisal, and you have the back up information on your coach, you will have probably get a decent value for your coach. This is the same with unique cars as well. They wanted to value my Grand wagoneer poorly, but being an 85 rust free model, there was only a couple on the market in the US at the time(84 and 85 are completely different then 86-91). I had the documentation of what it was and many examples of them selling for big $$(mine was not a $40k restored one, but it was not an 800 rust bucket). But the main thing was the appraisal. Your insurance company may vary and know who you are dealing with. I prefer an insurance agent, as I have email documentation on some things with him, and we go over my file every other year.
oddly enough, I noticed NADA values are down a bit from last time I searched them. $10,500 showing today. It was twice that last year.
I don't care if it the GMC, the tools in your garage, your house contents. It is all about Documentation. An agreed value is the guaranteed way to get what you feel it is worth, but make sure you keep that up to date!
speaking of Documentation, JimK- I will be asking for an updated appraisal soon. I am replacing the 2013 carpet with some vinyl plank flooring, and have it almost back together from that, and I will get some photos and the information to you. appreciate what you do.
Lastly- rumor is out that Hagerty is looking at adding classic RV's to their portfolio. Hopefully that rumor comes true sooner then later.
Jon Roche
75 palm beach
EBL EFI, manny headers, Micro Level, rebuilt most of coach now.
St. Cloud, MN
http://lqqkatjon.blogspot.com/
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| [GMCnet] Re: GMC Insurance [message #363804 is a reply to message #363795] |
Mon, 03 May 2021 20:47 |
Ken Henderson
Messages: 8726
Registered: March 2004
Location: Americus, GA
Karma: 9
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Senior Member |
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Well, today I committed, somewhat reluctantly. I appreciate everyone's
input; I suspect a lot of folks got a lot of new knowledge from the thread.
After all my qualms about Progressive, I allowed USAA to pass me to them.
Then I insisted that they send me to their web site instead of enrolling me
by 'phone. That was the deal-maker. On the Progressive website (specific
to USAA but probably about the same for all), they offer several "packages"
of coverage. But, you can create your own package and choose each and
every coverage option independently with immediate display of the effect
on the premium. After carefully examining the effects of Actual vs Agreed
Value, Comprehensive Y/N, etc., etc., I decided that my risk tolerance,
past history, and stinginess would be best served with basically only
liability coverage (and a little Uninsured Motorists). I wound up with
a $248 annual premium -- a little below the almost $800 I've been paying
USAA annually since '98. If I continue with no claims, I'll be happy; if I
have a claim, I'll pay up -- hopefully with my premium savings. :-)
As for being with Progressive: I ain't happy with their principals'
politics, but they're not as "bad" as they once were, and not George Soros,
as I was once led to believe. The openness about coverages & costs
overcame my reluctance.
Another experiment -- sort of like that $550 set of 6 tires I'm running!
:-)
Ken H.
On Mon, May 3, 2021 at 8:47 AM Jon Roche wrote:
> I should try to clarify ---
>
> with any insurance, you need to have documentation. If you do not have
> an appraisal on your coach, the insurance will probably want to value it as
> junk. They will also probably come up to you 1st off and tell you it is
> old and junk. But if you have the appraisal, and you have the back up
> information on your coach, you will have probably get a decent value for
> your coach. This is the same with unique cars as well. They wanted to
> value my Grand wagoneer poorly, but being an 85 rust free model, there
> was only a couple on the market in the US at the time(84 and 85 are
> completely different then 86-91). I had the documentation of what it was
> and many examples of them selling for big $$(mine was not a $40k restored
> one, but it was not an 800 rust bucket). But the main thing was the
> appraisal. Your insurance company may vary and know who you are dealing
> with.
> I prefer an insurance agent, as I have email documentation on some things
> with him, and we go over my file every other year.
>
> oddly enough, I noticed NADA values are down a bit from last time I
> searched them. $10,500 showing today. It was twice that last year.
>
> I don't care if it the GMC, the tools in your garage, your house
> contents. It is all about Documentation. An agreed value is the
> guaranteed way
> to get what you feel it is worth, but make sure you keep that up to
> date!
>
>
> speaking of Documentation, JimK- I will be asking for an updated
> appraisal soon. I am replacing the 2013 carpet with some vinyl plank
> flooring,
> and have it almost back together from that, and I will get some photos and
> the information to you. appreciate what you do.
>
>
> Lastly- rumor is out that Hagerty is looking at adding classic RV's to
> their portfolio. Hopefully that rumor comes true sooner then later.
>
>
>
>
>
>
> --
> Jon Roche
> 75 palm beach
> EBL EFI, manny headers, Micro Level, rebuilt most of coach now.
> St. Cloud, MN
> http://lqqkatjon.blogspot.com/
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
>
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
Ken Henderson
Americus, GA
www.gmcwipersetc.com
Large Wiring Diagrams
76 X-Birchaven
76 X-Palm Beach
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| [GMCnet] Re: GMC Insurance [message #363806 is a reply to message #363804] |
Tue, 04 May 2021 00:13 |
sgltrac
Messages: 2797
Registered: April 2011
Karma: 1
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Senior Member |
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Ken,
If you had asked me my opinion of progressive 10 years ago I would’ve told
you to run to the hills before signing. In the past 2-5 years their claims
handling philosophy ha s changed dramatically. They went from loathed and
untrustworthy to reasonable and believe it it not welcomed in my collision
repair shop. I have my perimeter risks insured with them and it works in
harmony with my liability umbrella from my primary carrier Encomopass
which for me is necessary.
Sully
Seattle wa.
On Mon, May 3, 2021 at 6:48 PM Ken Henderson wrote:
> Well, today I committed, somewhat reluctantly. I appreciate everyone's
> input; I suspect a lot of folks got a lot of new knowledge from the thread.
>
> After all my qualms about Progressive, I allowed USAA to pass me to them.
> Then I insisted that they send me to their web site instead of enrolling me
> by 'phone. That was the deal-maker. On the Progressive website (specific
> to USAA but probably about the same for all), they offer several "packages"
> of coverage. But, you can create your own package and choose each and
> every coverage option independently with immediate display of the effect
> on the premium. After carefully examining the effects of Actual vs Agreed
> Value, Comprehensive Y/N, etc., etc., I decided that my risk tolerance,
> past history, and stinginess would be best served with basically only
> liability coverage (and a little Uninsured Motorists). I wound up with
> a $248 annual premium -- a little below the almost $800 I've been paying
> USAA annually since '98. If I continue with no claims, I'll be happy; if I
> have a claim, I'll pay up -- hopefully with my premium savings. :-)
>
> As for being with Progressive: I ain't happy with their principals'
> politics, but they're not as "bad" as they once were, and not George Soros,
> as I was once led to believe. The openness about coverages & costs
> overcame my reluctance.
>
> Another experiment -- sort of like that $550 set of 6 tires I'm running!
> :-)
>
> Ken H.
>
>
> On Mon, May 3, 2021 at 8:47 AM Jon Roche wrote:
>
>> I should try to clarify ---
>>
>> with any insurance, you need to have documentation. If you do not have
>> an appraisal on your coach, the insurance will probably want to value
> it as
>> junk. They will also probably come up to you 1st off and tell you it
> is
>> old and junk. But if you have the appraisal, and you have the back up
>> information on your coach, you will have probably get a decent value for
>> your coach. This is the same with unique cars as well. They wanted to
>> value my Grand wagoneer poorly, but being an 85 rust free model, there
>> was only a couple on the market in the US at the time(84 and 85 are
>> completely different then 86-91). I had the documentation of what it
> was
>> and many examples of them selling for big $$(mine was not a $40k restored
>> one, but it was not an 800 rust bucket). But the main thing was the
>> appraisal. Your insurance company may vary and know who you are dealing
>> with.
>> I prefer an insurance agent, as I have email documentation on some things
>> with him, and we go over my file every other year.
>>
>> oddly enough, I noticed NADA values are down a bit from last time I
>> searched them. $10,500 showing today. It was twice that last year.
>>
>> I don't care if it the GMC, the tools in your garage, your house
>> contents. It is all about Documentation. An agreed value is the
>> guaranteed way
>> to get what you feel it is worth, but make sure you keep that up to
>> date!
>>
>>
>> speaking of Documentation, JimK- I will be asking for an updated
>> appraisal soon. I am replacing the 2013 carpet with some vinyl plank
>> flooring,
>> and have it almost back together from that, and I will get some photos
> and
>> the information to you. appreciate what you do.
>>
>>
>> Lastly- rumor is out that Hagerty is looking at adding classic RV's to
>> their portfolio. Hopefully that rumor comes true sooner then later.
>>
>>
>>
>>
>>
>>
>> --
>> Jon Roche
>> 75 palm beach
>> EBL EFI, manny headers, Micro Level, rebuilt most of coach now.
>> St. Cloud, MN
>> http://lqqkatjon.blogspot.com/
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>>
> _______________________________________________
> GMCnet mailing list
> Unsubscribe or Change List Options:
>
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
Sully
77 Royale basket case.
Future motorhome land speed record holder(bucket list)
Seattle, Wa.
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| [GMCnet] Re: GMC Insurance [message #363807 is a reply to message #363761] |
Tue, 04 May 2021 00:17 |
sgltrac
Messages: 2797
Registered: April 2011
Karma: 1
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Senior Member |
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Btw, don’t EVER buy insurance without uninsured and UNDERINSURED motorist
coverage. In Washington the legal minimum requirement for property
liability is now 10k. That will not fix much.
Sully
On Mon, May 3, 2021 at 10:13 PM Todd Sullivan wrote:
>
> Ken,
>
> If you had asked me my opinion of progressive 10 years ago I would’ve told
> you to run to the hills before signing. In the past 2-5 years their claims
> handling philosophy ha s changed dramatically. They went from loathed and
> untrustworthy to reasonable and believe it it not welcomed in my collision
> repair shop. I have my perimeter risks insured with them and it works in
> harmony with my liability umbrella from my primary carrier Encomopass
> which for me is necessary.
>
> Sully
> Seattle wa.
>
> On Mon, May 3, 2021 at 6:48 PM Ken Henderson
> wrote:
>
>> Well, today I committed, somewhat reluctantly. I appreciate everyone's
>> input; I suspect a lot of folks got a lot of new knowledge from the
>> thread.
>>
>> After all my qualms about Progressive, I allowed USAA to pass me to them.
>> Then I insisted that they send me to their web site instead of enrolling
>> me
>> by 'phone. That was the deal-maker. On the Progressive website (specific
>> to USAA but probably about the same for all), they offer several
>> "packages"
>> of coverage. But, you can create your own package and choose each and
>> every coverage option independently with immediate display of the effect
>> on the premium. After carefully examining the effects of Actual vs Agreed
>> Value, Comprehensive Y/N, etc., etc., I decided that my risk tolerance,
>> past history, and stinginess would be best served with basically only
>> liability coverage (and a little Uninsured Motorists). I wound up with
>> a $248 annual premium -- a little below the almost $800 I've been paying
>> USAA annually since '98. If I continue with no claims, I'll be happy; if
>> I
>> have a claim, I'll pay up -- hopefully with my premium savings. :-)
>>
>> As for being with Progressive: I ain't happy with their principals'
>> politics, but they're not as "bad" as they once were, and not George
>> Soros,
>> as I was once led to believe. The openness about coverages & costs
>> overcame my reluctance.
>>
>> Another experiment -- sort of like that $550 set of 6 tires I'm running!
>> :-)
>>
>> Ken H.
>>
>>
>> On Mon, May 3, 2021 at 8:47 AM Jon Roche wrote:
>>
>>> I should try to clarify ---
>>>
>>> with any insurance, you need to have documentation. If you do not
>> have
>>> an appraisal on your coach, the insurance will probably want to value
>> it as
>>> junk. They will also probably come up to you 1st off and tell you it
>> is
>>> old and junk. But if you have the appraisal, and you have the back
>> up
>>> information on your coach, you will have probably get a decent value
>> for
>>> your coach. This is the same with unique cars as well. They wanted to
>>> value my Grand wagoneer poorly, but being an 85 rust free model, there
>>> was only a couple on the market in the US at the time(84 and 85 are
>>> completely different then 86-91). I had the documentation of what it
>> was
>>> and many examples of them selling for big $$(mine was not a $40k
>> restored
>>> one, but it was not an 800 rust bucket). But the main thing was the
>>> appraisal. Your insurance company may vary and know who you are dealing
>>> with.
>>> I prefer an insurance agent, as I have email documentation on some
>> things
>>> with him, and we go over my file every other year.
>>>
>>> oddly enough, I noticed NADA values are down a bit from last time I
>>> searched them. $10,500 showing today. It was twice that last year.
>>>
>>> I don't care if it the GMC, the tools in your garage, your house
>>> contents. It is all about Documentation. An agreed value is the
>>> guaranteed way
>>> to get what you feel it is worth, but make sure you keep that up to
>>> date!
>>>
>>>
>>> speaking of Documentation, JimK- I will be asking for an updated
>>> appraisal soon. I am replacing the 2013 carpet with some vinyl plank
>>> flooring,
>>> and have it almost back together from that, and I will get some photos
>> and
>>> the information to you. appreciate what you do.
>>>
>>>
>>> Lastly- rumor is out that Hagerty is looking at adding classic RV's to
>>> their portfolio. Hopefully that rumor comes true sooner then later.
>>>
>>>
>>>
>>>
>>>
>>>
>>> --
>>> Jon Roche
>>> 75 palm beach
>>> EBL EFI, manny headers, Micro Level, rebuilt most of coach now.
>>> St. Cloud, MN
>>> http://lqqkatjon.blogspot.com/
>>> _______________________________________________
>>> GMCnet mailing list
>>> Unsubscribe or Change List Options:
>>>
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>>
>
_______________________________________________
GMCnet mailing list
Unsubscribe or Change List Options:
Sully
77 Royale basket case.
Future motorhome land speed record holder(bucket list)
Seattle, Wa.
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| Re: [GMCnet] GMC Insurance [message #363810 is a reply to message #363759] |
Tue, 04 May 2021 14:33 |
kingd
Messages: 592
Registered: June 2004
Karma: 2
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Senior Member |
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For Canadians, especially for those living in Ontario, there is an Insurance "company"
called Wayfarer that specializes in Motorhome Insurance. I believe they are a Broker
Not the actual company with the money to pay a claim. I've used them for many years as my motorhome is GMC vintage and other companies wouldn't cover it.
DAVE KING
lurker, wannabe
Toronto, Ontario, Canada
[Updated on: Wed, 05 May 2021 15:51] Report message to a moderator |
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| Re: [GMCnet] GMC Insurance [message #363976 is a reply to message #363810] |
Thu, 13 May 2021 14:26 |
g r a n t
Messages: 22
Registered: March 2021
Karma: 0
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Junior Member |
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Hi,
I just finished getting quoted out through Wayfarer. Very good communication. Rate was higher than others but more comprehensive and I asked them for different terms. In the end I went with my Auto/House Insurance provider as I had to get it insured to move it. This route was the path of least resistance but I intend to switch to Wayfarer next year. g
1975 Eleganza
Toronto, ON
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| Re: [GMCnet] GMC Insurance [message #363983 is a reply to message #363759] |
Fri, 14 May 2021 07:52 |
jhbridges
Messages: 8412
Registered: May 2011
Location: Braselton ga
Karma: -74
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Senior Member |
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Two thoughts. Here 25k -50k - 25k is the minimum. You can knock 25k off a new car and leave it driveable, the premium increase to 100k was like ten or fifteen dollars, not a lot. I'll stay away from Ferraris.
Second, it escapes me why companies want to play politics in public. "We sell soft drinks" or "We run amusement parks" should e sufficient.
--johnny
Foolish Carriage, 76 26' Eleganza(?) with beaucoup mods and add - ons.
Braselton, Ga.
I forgive them all, save those who hurt the dogs. They must answer to me in hell
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