WTF Insurance - Great Lakes 4x4. The largest offroad forum in the Midwest

Go Back   Great Lakes 4x4. The largest offroad forum in the Midwest > General 4x4 Stuff > The Pub
GL4x4 Live! GL4x4 Casino

The Pub A friendly forum where everybody is nice, and will answer any questions you have about life.

greatlakes4x4.com is the premier Great Lakes 4x4 Forum on the internet. Registered Users do not see the above ads.
Search
Reply
 
Thread Tools Search this Thread
Old March 19th, 2007, 12:01 PM   #1
Toivo
Feel lucky?
 
Toivo's Avatar
 
Join Date: 02-24-06
Location: Denver
Posts: 5,143
iTrader: (13)
Mentioned: 0 Post(s)
Default WTF Insurance

So my dad called our insurance agency today to get my new truck insured...blah blah blah, our family is friends with the insurance agents. So the insurance lady asks my dad why I got a new truck, my dad tells them that the Jeep is too big, big tires, lift etc. They tell him that the Jeep is no longer insurable because of this, and the policy will be dropped on it. WTF????
SO now I am basically screwed, the truck isn't plated yet, and I can't drive the Jeep. PISSED!
Toivo is offline   Reply With Quote
Sponsored Links
Advertisement
 
Old March 19th, 2007, 12:05 PM   #2
Sol Goode
Obama Nation!
 
Sol Goode's Avatar
 
Join Date: 11-05-05
Location: Curt1656 & Scooters love castle
Posts: 14,387
iTrader: (10)
Mentioned: 12 Post(s)
Default

Sometimes it is best to lie
__________________
#YOLO
#meballsohard
Sol Goode is online now   Reply With Quote
Old March 19th, 2007, 12:06 PM   #3
ddeadserious
Senior Member
 
ddeadserious's Avatar
 
Join Date: 08-20-06
Location: Plymouth, MI
Posts: 5,078
iTrader: (44)
Mentioned: 0 Post(s)
Send a message via AIM to ddeadserious
Default

wow.
ddeadserious is offline   Reply With Quote
Old March 19th, 2007, 12:07 PM   #4
Toivo
Feel lucky?
 
Toivo's Avatar
 
Join Date: 02-24-06
Location: Denver
Posts: 5,143
iTrader: (13)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by Sol Goode View Post
Sometimes it is best to lie
I have been, and they told my dad that if they didn't know it was lifted, and on big tires, and I got in an accident, they would not legally be responsible. It would be my fault, and I would be accountable on all faults. F this shit.
Toivo is offline   Reply With Quote
Old March 19th, 2007, 12:10 PM   #5
jeepfreak81
81 inches of fun
 
jeepfreak81's Avatar
 
Join Date: 11-10-05
Location: Lennon, Mi
Posts: 12,188
iTrader: (21)
Mentioned: 0 Post(s)
Send a message via AIM to jeepfreak81 Send a message via MSN to jeepfreak81 Send a message via Yahoo to jeepfreak81
Default

Quote:
Originally Posted by XJToivo View Post
I have been, and they told my dad that if they didn't know it was lifted, and on big tires, and I got in an accident, they would not legally be responsible. It would be my fault, and I would be accountable on all faults. F this shit.
In which case it is better they dropped it... now you can get an applicable policy that will cover a lifted vehicle in an accident... this was just discussed in the pub last week. Lieing is NOT the best route when you are insuring a vehicle.
jeepfreak81 is offline   Reply With Quote
Old March 19th, 2007, 12:13 PM   #6
Toivo
Feel lucky?
 
Toivo's Avatar
 
Join Date: 02-24-06
Location: Denver
Posts: 5,143
iTrader: (13)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by jeepfreak81 View Post
In which case it is better they dropped it... now you can get an applicable policy that will cover a lifted vehicle in an accident... this was just discussed in the pub last week. Lieing is NOT the best route when you are insuring a vehicle.
Very true. I'm SOL now, no idea where to get insurance at for the Jeep, and probably too poor to afford it.
Toivo is offline   Reply With Quote
Old March 19th, 2007, 12:15 PM   #7
luvitmyjeep
broken
 
luvitmyjeep's Avatar
 
Join Date: 01-31-07
Location: lakeorion mi
Posts: 5,092
iTrader: (13)
Mentioned: 0 Post(s)
Default

how big?? just got me thimking about mine. thanks
luvitmyjeep is offline   Reply With Quote
Old March 19th, 2007, 12:17 PM   #8
Toivo
Feel lucky?
 
Toivo's Avatar
 
Join Date: 02-24-06
Location: Denver
Posts: 5,143
iTrader: (13)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by luvitmyjeep View Post
how big?? just got me thimking about mine. thanks
on 35s.
Toivo is offline   Reply With Quote
Old March 19th, 2007, 12:19 PM   #9
luvitmyjeep
broken
 
luvitmyjeep's Avatar
 
Join Date: 01-31-07
Location: lakeorion mi
Posts: 5,092
iTrader: (13)
Mentioned: 0 Post(s)
Default

i wonder what they think big is? i don't remember them asking me.
luvitmyjeep is offline   Reply With Quote
Old March 19th, 2007, 12:24 PM   #10
cjhmi
2006 Grand Cherokee
 
Join Date: 12-03-05
Location: michigan
Posts: 191
iTrader: (6)
Mentioned: 0 Post(s)
Default

im gonna put 33s on do you think they will care?
cjhmi is offline   Reply With Quote
Old March 19th, 2007, 12:25 PM   #11
kickstand
sHaMoNe!
 
kickstand's Avatar
 
Join Date: 09-20-06
Location: fenton
Posts: 30,934
iTrader: (46)
Mentioned: 25 Post(s)
Default

I've posted this before. Progressive/Drive will not insure vehicles lifted mroe then 4".

Time to get a "stated" policy or PLPD. Good luck,.
kickstand is offline   Reply With Quote
Old March 19th, 2007, 12:26 PM   #12
kickstand
sHaMoNe!
 
kickstand's Avatar
 
Join Date: 09-20-06
Location: fenton
Posts: 30,934
iTrader: (46)
Mentioned: 25 Post(s)
Default

Quote:
Originally Posted by cjhmi View Post
im gonna put 33s on do you think they will care?
Call your agent and ask them.

Even if you sneak around them and have insurance you are just giving them money because in the event of an accident if they notice it is likely you will not be covered. Which gives you a false snese of coverage.
kickstand is offline   Reply With Quote
Old March 19th, 2007, 01:13 PM   #13
Gunsworth
Senior Member
 
Gunsworth's Avatar
 
Join Date: 11-07-05
Location: Birmingham
Posts: 2,514
iTrader: (12)
Mentioned: 2 Post(s)
Send a message via AIM to Gunsworth
Default

Good points, Im gonna have to check with my insurance. Granted I have the cheapest plpd I could find from Titan due to my history, but it would suck to cream someone and lose my ass for having a lift..
Gunsworth is offline   Reply With Quote
Old March 19th, 2007, 02:19 PM   #14
Toivo
Feel lucky?
 
Toivo's Avatar
 
Join Date: 02-24-06
Location: Denver
Posts: 5,143
iTrader: (13)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by Gunsworth View Post
Good points, Im gonna have to check with my insurance. Granted I have the cheapest plpd I could find from Titan due to my history, but it would suck to cream someone and lose my ass for having a lift..
SOME Progressive agents can/will write for up to a 4inch lift. They told me thats about the dead maximum that anyone will carry for. Luckily, mine is really not much more than 4 inch, so I can squeak it by.

WARNING TO OTHER LIFTED VEHICLE OWNERS, YOU MAY NOT BE COVERED UNDER INSURANCE DUE TO LIFT!!! Don't try to cheat them by neglecting to tell them you are lifted, you could lose a lot of things because you and your vehicle are not covered under insurance.
Toivo is offline   Reply With Quote
Old March 19th, 2007, 02:25 PM   #15
Dave Kerwin
web wheeling, hard.
 
Dave Kerwin's Avatar
 
Join Date: 11-18-05
Location: SE MI
Posts: 6,685
iTrader: (9)
Mentioned: 2 Post(s)
Default

Quote:
Originally Posted by jeepfreak81 View Post
Lieing is NOT the best route when you are insuring a vehicle.
It NEVER is the best route with anything; but I agree with you.
Dave Kerwin is offline   Reply With Quote
Old March 19th, 2007, 02:31 PM   #16
kickstand
sHaMoNe!
 
kickstand's Avatar
 
Join Date: 09-20-06
Location: fenton
Posts: 30,934
iTrader: (46)
Mentioned: 25 Post(s)
Default

Quote:
Originally Posted by XJToivo View Post
SOME Progressive agents can/will write for up to a 4inch lift. They told me thats about the dead maximum that anyone will carry for. Luckily, mine is really not much more than 4 inch, so I can squeak it by.

WARNING TO OTHER LIFTED VEHICLE OWNERS, YOU MAY NOT BE COVERED UNDER INSURANCE DUE TO LIFT!!! Don't try to cheat them by neglecting to tell them you are lifted, you could lose a lot of things because you and your vehicle are not covered under insurance.
I've only posted that 3 or 4 times to be told I was wrong....It clearly states it ON THEIR WEBSITE.

When getting insurance on ANYTHING other then a completely stock vehicle it is wise to consult with your agent on to what they do and do not cover.

If it goes 180mph, you should share that with them. If you use it for work, they should know, or you may end up a certain creak without a paddle.
kickstand is offline   Reply With Quote
Old March 19th, 2007, 02:31 PM   #17
84Scrambler
Senior Member
 
Join Date: 11-07-05
Location: Lansing
Posts: 5,942
iTrader: (8)
Mentioned: 0 Post(s)
Send a message via AIM to 84Scrambler
Default

I have posted this so many times it is getting ridiculous. If you lift your Jeep, you are probably no longer insured. VERY few insurance companies will cover a vehicle with a lifted/modified/altered suspension. READ THE CONTRACT. Congrats for giving the insurance company money all this time. If you had been in an accident and the adjuster finds that you were driving a lifted vehicle, they are well within their legal rights to tell you to piss up a rope and pay for your own claim, as well as the lawsuit that will be coming your way from the other insurance company. I can't believe how many people bitch and moan about getting cancelled by their insurance company. Insurance companies do nothing more than allow you to pay them a "small" amount of money to transfer YOUR liability to them. When you are no longer an acceptable risk, they cut your ass. It's a business, not a social benefit plan.
84Scrambler is offline   Reply With Quote
Old March 19th, 2007, 02:35 PM   #18
Lothos
KD8GKB
 
Lothos's Avatar
 
Join Date: 11-17-05
Location: .5 past lightspeed
Posts: 6,506
iTrader: (3)
Mentioned: 0 Post(s)
Send a message via ICQ to Lothos Send a message via AIM to Lothos Send a message via Yahoo to Lothos
Default

My f150 has 3 inch body and 4 inch suspension and I've shown my agent. AAA didn't have a problem with it.
Lothos is offline   Reply With Quote
Old March 19th, 2007, 02:36 PM   #19
Toivo
Feel lucky?
 
Toivo's Avatar
 
Join Date: 02-24-06
Location: Denver
Posts: 5,143
iTrader: (13)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by 84Scrambler View Post
I have posted this so many times it is getting ridiculous. If you lift your Jeep, you are probably no longer insured. VERY few insurance companies will cover a vehicle with a lifted/modified/altered suspension. READ THE CONTRACT. Congrats for giving the insurance company money all this time. If you had been in an accident and the adjuster finds that you were driving a lifted vehicle, they are well within their legal rights to tell you to piss up a rope and pay for your own claim, as well as the lawsuit that will be coming your way from the other insurance company. I can't believe how many people bitch and moan about getting cancelled by their insurance company. Insurance companies do nothing more than allow you to pay them a "small" amount of money to transfer YOUR liability to them. When you are no longer an acceptable risk, they cut your ass. It's a business, not a social benefit plan.
Yeah, I don't pay my own insurance, and have never paid attention to it before now. NOW I know, and am working on getting things the way they need to be. No one ever told me that modifying a vehicle would alter insurance coverage. Yes, I should have checked, but it was always insured, and I have never got into any accidents or any vehicle tickets.
Toivo is offline   Reply With Quote
Old March 19th, 2007, 02:38 PM   #20
Toivo
Feel lucky?
 
Toivo's Avatar
 
Join Date: 02-24-06
Location: Denver
Posts: 5,143
iTrader: (13)
Mentioned: 0 Post(s)
Default

Quote:
Originally Posted by Lothos View Post
My f150 has 3 inch body and 4 inch suspension and I've shown my agent. AAA didn't have a problem with it.
AAA agent just emailed me a quote.:stan3: They will cover lifted vehicles, but their rates are 2x as high as Progressives'.
Toivo is offline   Reply With Quote
Reply
Great Lakes 4x4. The largest offroad forum in the Midwest > General 4x4 Stuff > The Pub

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 02:05 PM.


Powered by: vBulletin, Copyright 2000 - 2012, Jelsoft Enterprises Ltd.
User Alert System provided by Advanced User Tagging (Lite) - vBulletin Mods & Addons Copyright © 2014 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Page generated in 0.91258 seconds with 80 queries