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| insurance [message #157314] |
Thu, 19 January 2012 15:59  |
skip2
Messages: 544
Registered: September 2011
Location: Winter Haven,FL (center o...
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Any views out there on an insurance that will insure on an agreed value like you can get for vintage cars and an hotrods?
Come to think of it thats what a GMC is. I'm sure my standard statefarm policy won't even cover the new tires or a full tank of gas.
Skip
74 Canyon Lands, FiTech,
3.7 FD LSD, Manny Tranny,
Springfield Distributor,
2001 Chevy Tracker Ragtop Towd
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| Re: insurance [message #157327 is a reply to message #157314] |
Thu, 19 January 2012 17:10  |
Bob de Kruyff
Messages: 4260
Registered: January 2004
Location: Chandler, AZ
Karma: 1
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| skip2 wrote on Thu, 19 January 2012 14:59 |
Any views out there on an insurance that will insure on an agreed value like you can get for vintage cars and an hotrods?
Come to think of it thats what a GMC is. I'm sure my standard statefarm policy won't even cover the new tires or a full tank of gas.
Skip
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This will be very state by state dependent even within the same brand of insurance, so take input with a grain of salt until you check for your state specifically.
Bob de Kruyff
78 Eleganza
Chandler, AZ
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| Re: [GMCnet] insurance [message #157334 is a reply to message #157331] |
Thu, 19 January 2012 17:42 |
mickeysss
Messages: 1476
Registered: January 2012
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this is about the pardey's they are boaters and do not keep insurance.
If the wreck will be the fault of the driver it will most likely be a ball joint - lower going out which means the frame hits the ground or
rear ending of another car, so the best insurance is grease and going slow with lots of distance, and driving like an old lady on red bull.
wear a helmet in the gmc as well.
a lot of the pardey info works on the land as well. check them out. THey have gone around the world 24 years on a boat less than 30 feet long.
http://www.landlpardey.com/Tips/2008/March.html
On Jan 19, 2012, at 3:21 PM, JP Winger wrote:
> I got agreed value $8k cover through progressive for about $400 pa.
>
>
> On 19/01/2012, at 5:42 PM, Rob Mueller wrote:
>
>> Skip,
>>
>> Here's a good starting point.
>>
>> Contact:
>>
>> Miller Insurance
>> Cheryl or Marlene
>> 1-800-622-6347
>>
>> You will need an appraisal from Jim Kanomata or Jim Bounds.
>>
>> Having said that I seem to remember when we discussed this on previous occasions GMC owners with State Farm Insurance reported that
>> they were happy with the policies on their GMC's.
>>
>> Regards,
>> Rob M.
>>
>> -----Original Message-----
>> From: Skip Hartline
>>
>> Any views out there on an insurance that will insure on an agreed value like you can get for vintage cars and an hotrods?
>> Come to think of it thats what a GMC is. I'm sure my standard statefarm policy won't even cover the new tires or a full tank of gas.
>> Skip
>>
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| Re: insurance [message #157355 is a reply to message #157314] |
Thu, 19 January 2012 21:03 |
GeorgeRud
Messages: 1380
Registered: February 2007
Location: Chicago, IL
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I've always assumed that the insurance company looks at their policyholders like any other business- how much did they pay in premiums vs. what they had to pay out in claims. Factor in how long they were able to hold on to your money to invest, and you have their business plan!
I also agree that the best insurance is careful driving andnot having to make claims. State Farm haas been fair with me here in Illinois, but I do have many different policies with them when I add our personal and business policies.
The cost of the GMC policy is more than I think it should be, but I haven't looked around at too many others.
George Rudawsky
Chicago, IL
75 Palm Beach
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| Re: insurance [message #157361 is a reply to message #157355] |
Thu, 19 January 2012 21:35 |
Bob de Kruyff
Messages: 4260
Registered: January 2004
Location: Chandler, AZ
Karma: 1
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| GeorgeRud wrote on Thu, 19 January 2012 20:03 |
I've always assumed that the insurance company looks at their policyholders like any other business- how much did they pay in premiums vs. what they had to pay out in claims. Factor in how long they were able to hold on to your money to invest, and you have their business plan!
I also agree that the best insurance is careful driving andnot having to make claims. State Farm haas been fair with me here in Illinois, but I do have many different policies with them when I add our personal and business policies.
The cost of the GMC policy is more than I think it should be, but I haven't looked around at too many others.
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It's not a business I would like to be in. My overall feeling is that they are whores and other than a good agent that may go out of their way to help you, don't fall for any of the advertising or even fellow recommendations. Read the fine print and pay accordingly. None of them are your friend.
Bob de Kruyff
78 Eleganza
Chandler, AZ
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| [GMCnet] Quartzsite [message #157384 is a reply to message #157361] |
Fri, 20 January 2012 06:50 |
Douglas Norton
Messages: 191
Registered: April 2008
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If you are considering attending Quartzsite this year, The GMC Pacific Cruisers are hosting a rally from wednesday the 25th of January to the first of February at Rice Ranch (full hookups and a short walk from the RV show in the big tent and many of the booths). The GMC Pacific Cruisers sold out all their available spaces several weeks ago. I paid for one but unfortunately, I will not be able to use the space and it is being offered to any GMCer who is interested. If you want more information, I can be reached at nortocd@yahoo.com or at 208 440-8702.
Doug Norton
More info: Spaces with hookups are usually all sold out in Quartzsite by this time of year but there is free dry camping on remote BLM land near town or closer in, dry camping with access to water, a dump station and trash is available for about 40 dollars for 14 days. With way over 1,000 booths in town and many more in the RV tent, it is a gotta do experience. Most days are in the seventies and the town of about 1,500 sees about 400,000 visitors in January.
http://www.quartzsitervshow.com/
http://www.quartzsitebusinesschamber.com/events.html
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| Re: insurance [message #157405 is a reply to message #157314] |
Fri, 20 January 2012 13:30 |
captjack
Messages: 271
Registered: February 2010
Location: Sebastopol, California
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I too have agreed value insurance with Progressive through Marlene at a reasonable rate. I did have to get an appraisal from Jim K which was accomplished with, I recall, a fairly detailed completed questionaire he sent me and some photos.
Jack Christensen - K6ROW,
'76 Glenbrook/Clasco - "The Silver Bullet",
Sebastopol, CA
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| Re: [GMCnet] insurance [message #157452 is a reply to message #157405] |
Fri, 20 January 2012 22:47 |
jimk
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
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In my area, Progressive adjuster know of the value of a GMC and they
have been more than fir with us when it comes to repair costs.
Presently we have one here where the damage was small, but it cam up
to over 10K.
They had declared value from Progressive, so it was great for the owners.
We do appraisals all over the country as we have people we hire to do
a casual peak under the coach for severe rust and just overall
condition.
Our appraisal is really fair, as we ask the question: How much will it
take to replace the coach by finding another unit similar and doing
all that you have don to it?
It is not surprising to run up to 30K and even 40K for a n average coach.
You can go to our website and go to INSTRUCTIONS and download the
trial form and do your own evaluation and realize how little coverage
you presently have.
We charge $200 for the appraisal, but at the convention, we do it for $150.
On Fri, Jan 20, 2012 at 11:30 AM, Jack Christensen <captjack@sonic.net> wrote:
>
>
> I too have agreed value insurance with Progressive through Marlene at a reasonable rate. Â I did have to get an appraisal from Jim K which was accomplished with, I recall, a fairly detailed completed questionaire he sent me and some photos.
> --
> Jack Christensen - K6ROW,
> '76 Glenbrook/Clasco - "The Silver Bullet",
> '65 Clark Cortez,
> Sebastopol, CA
> _______________________________________________
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--
Jim Kanomata
Applied/GMC, Fremont,CA
jimk@appliedairfilters.com
http://www.appliedgmc.com
1-800-752-7502
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Jim Kanomata
Applied/GMC
jimk@appliedairfilters.com
www.appliedgmc.com
1-800-752-7502
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| Re: insurance [message #157470 is a reply to message #157314] |
Sat, 21 January 2012 08:03 |
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Matt Colie
Messages: 8547
Registered: March 2007
Location: S.E. Michigan
Karma: 7
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Just in the off hand case that you think JimK is kidding, think again. When I got my appraisal from Jim, I though he was exaggerating the replacement cost. At a later date we were talking and he explained he thinking to me as "If your coach is a total loss, how much is it going to cost you get another coach to the level of reliability and appearance that you currently enjoy?"
I took that as a challenge. I keep records (of course, I'm used to charging other people for the work I do) and a started through them.
When we acquired the coach it was a real deal (I didn't know how good a deal until talking to people at Berrien Springs 06). But, then I put in a new coach heater. Then I did a few more things here and there no big cash out of pocket for any one item, but sometimes lots of hours. Sometimes parts and materials were the result of barter or other non-cash transactions. I did not include expected maintenance like oil, filters, belts, hoses and tires. I did include some of the preventive maintenance as it is what makes the coach as reliable as it is. Then I got to the bottom right corner of that spread sheet. Hang On Charlie!!
JimK was way right. I don't have alloy wheels or fuel injection. No TV, and the interior is pretty much the way Gemini put it in.
Did you think that the standard line we use that a good, dependable and decent coach is 25K$ - all at once or as a kit was a joke?? Let me tell you it is not. It is not at all.
With the standard of if you can afford to lose it, don't insure it. This is why I am try to find out how to buy an agreed value policy in Michigan.
Think about it.
Matt
Matt & Mary Colie - Chaumière -'73 Glacier 23 - Members GMCMI, GMCGL, GMCES
Electronically Controlled Quiet Engine Cooling Fan with OE Rear Drum Brakes with Applied Control Arms
SE Michigan - Near DTW - Twixt A2 and Detroit
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| Re: insurance [message #157472 is a reply to message #157470] |
Sat, 21 January 2012 08:52 |
Bob de Kruyff
Messages: 4260
Registered: January 2004
Location: Chandler, AZ
Karma: 1
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""With the standard of if you can afford to lose it, don't insure it. This is why I am try to find out how to buy an agreed value policy in Michigan.
Think about it.
Matt ""
When I still lived in Michigan I had agreed value with AAA. Everyone told me AAA didn't offer it but they did in Michigan--not sure if they still do.
Bob de Kruyff
78 Eleganza
Chandler, AZ
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| Re: [GMCnet] insurance [message #157481 is a reply to message #157472] |
Sat, 21 January 2012 11:46 |
jimk
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
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I can tell you that if you think your coach is worth only 12K, and go
that route, you'll be in for a shock if you have a fender bender.
Most Fender benders cost over 3-5K and the insurance co. will total
out your unit in a heart beat.
On Sat, Jan 21, 2012 at 6:52 AM, Bob de Kruyff <NEXT2POOL@aol.com> wrote:
>
>
> ""With the standard of if you can afford to lose it, don't insure it. This is why I am try to find out how to buy an agreed value policy in Michigan.
>
> Think about it.
>
> Matt ""
>
> When I still lived in Michigan I had agreed value with AAA. Everyone told me AAA didn't offer it but they did in Michigan--not sure if they still do.
> --
> Bob de Kruyff
> 78 Eleganza
> Chandler, AZ
> _______________________________________________
> GMCnet mailing list
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--
Jim Kanomata
Applied/GMC, Fremont,CA
jimk@appliedairfilters.com
http://www.appliedgmc.com
1-800-752-7502
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Jim Kanomata
Applied/GMC
jimk@appliedairfilters.com
www.appliedgmc.com
1-800-752-7502
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| Re: [GMCnet] insurance [message #157482 is a reply to message #157481] |
Sat, 21 January 2012 11:51 |
jimk
Messages: 6734
Registered: July 2006
Location: Belmont, CA
Karma: 9
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Also a small electrical short or small fire is enough to total it
unless you look around and calculate all that has been do to your
coach and what it would have cost if you paid us to do all that.
Your plain jane units can be appraised for 20k plus.
Were not talking selling price, just what it would cost to replace it
like it is today.
On Sat, Jan 21, 2012 at 9:46 AM, Jim Kanomata <jimkanomata@gmail.com> wrote:
> I can tell you that if you think your coach is worth only 12K, and go
> that route, you'll be in for a shock if you have a fender bender.
> Most Fender benders cost over 3-5K and the insurance co. will total
> out your unit in a heart beat.
>
> On Sat, Jan 21, 2012 at 6:52 AM, Bob de Kruyff <NEXT2POOL@aol.com> wrote:
>>
>>
>> ""With the standard of if you can afford to lose it, don't insure it. This is why I am try to find out how to buy an agreed value policy in Michigan.
>>
>> Think about it.
>>
>> Matt ""
>>
>> When I still lived in Michigan I had agreed value with AAA. Everyone told me AAA didn't offer it but they did in Michigan--not sure if they still do.
>> --
>> Bob de Kruyff
>> 78 Eleganza
>> Chandler, AZ
>> _______________________________________________
>> GMCnet mailing list
>> Unsubscribe or Change List Options:
>> http://temp.gmcnet.org/cgi-bin/mailman/listinfo/gmclist
>
>
>
> --
> Jim Kanomata
> Applied/GMC, Fremont,CA
> jimk@appliedairfilters.com
> http://www.appliedgmc.com
> 1-800-752-7502
--
Jim Kanomata
Applied/GMC, Fremont,CA
jimk@appliedairfilters.com
http://www.appliedgmc.com
1-800-752-7502
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Jim Kanomata
Applied/GMC
jimk@appliedairfilters.com
www.appliedgmc.com
1-800-752-7502
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| Re: [GMCnet] insurance [message #157483 is a reply to message #157482] |
Sat, 21 January 2012 12:02 |
Don A
Messages: 895
Registered: October 2008
Location: Dallas, TX
Karma: 0
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<<< Your plain jane units can be appraised for 20k plus.
Were not talking selling price, just what it would cost to replace it like it is today. >>>
That is a really good point !
Don Adams Dallas, TX
'76 26' Glenbrook, '90 Sidekick
rebuilt by R Archer, powered by J Bounds, Koba
[IMG]http://www.gmcmhphotos.com/photos/data/6109/G2.jpg[/IMG]
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| Re: [GMCnet] insurance [message #157497 is a reply to message #157481] |
Sat, 21 January 2012 16:45 |
Bob de Kruyff
Messages: 4260
Registered: January 2004
Location: Chandler, AZ
Karma: 1
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Senior Member |
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Jim--don't credit me with that reasoning--these posts have all run together. I can assure you that I have my coach insured for many many times more than that!
Bob de Kruyff
78 Eleganza
Chandler, AZ
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