From: David Cole (DavidCole@tk7.net)
Date: Tue May 04 2004 - 20:24:15 PDT
Do you know where you can get info on who sells non-ISO policies?
I heard that Progressive does that, however who else does? I'd like to
avoid them.
Dave
>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>> .
On Tue, 04 May 2004 18:15:06 -0700, Paul A. Thomas
<bluewhale@jaxkneppers.com> wrote:
> Herr, or Book:
>
> I can't agree with much of what you said, however my claims ( thus policy
> coverage ) information is 15 years old so to all: please take with a
> grain of salt.
>
> I ran " homeowners policy exclusion for wheeled vehicles " by Google and
> the first link had this info in it. THIS is the type of language that
> applies... and it definitely depends on the exact form used by that Ins
> Co..
>
> ***********************
> The current ISO homeowners policy defines “motor vehicle” as: “A self-
> propelled land or amphibious vehicle.” Absent any written confirmation
> from an insurance carrier to the contrary, a Segway should be considered
> a “motor vehicle” under the policy.
> Under Section I of the policy coverage for motor vehicles is excluded
> except for:
> We do cover "motor vehicles" not required to be registered for use on
> public roads or property which are:
>
> (a) Used solely to service an "insureds"
> residence; or
>
> (b) Designed to assist the handicapped;
> *******************
>
> MOST companies use ISO forms for their policies, tho they amend them as
> they see fit. Companies like Progressive use their own forms so coverages
> change IE: if I have Progressive and you have an accident driving my car
> Progressive will cover you ONLY for the minimum required amount in that
> state... something like $15K here in Ca whereas the ISO forms give a
> permissive driver my policy limits.. One reason to stick with ISO based
> companies IMSHO.
>
> You need Liability insurance both for operating the vehicle as well as
> for parking it. A tank is an attractive neusence( my spell checker was no
> help here :{ ). I can't think of something that title would apply to
> more than a tank. *I* would crawl under a fence to be close to a parked
> tank. Imagine what kids would do to get near it?
>
> As I recall there are exceptions for Farming equipment, however tanks
> probably don't qualify. My totally uninformed SWAG is this is a motor
> vehicle and must be insured as one.
>
> Call Gulfway. They weren't that up to date on tracked vehicles when I
> asked a year ago for a lister, however they called Travelers ( the
> carrier they place all the collector/race stuff with ) and were told
> 'yes, we insure those things'.
>
> Back to Herr's reply: umbrella policies are a great idea, however for
> something like this which should be covered by a primary policy they
> usually won't 'drop down' to cover a loss from dollar one if something
> occurs. They do for some things, like punching out the lowly marine who
> claimed army vets are dog meat ( sorry Bruce <G> ) then the sad marine
> sues you... but for an auto accident they are intended to be excess
> coverage and word their policies with great care.
>
> One last thought ( I know: thank goodness! ) Don't trust your insurance
> agent to know the policy. READ it. if you find something you think says
> the opposite of what you were told then ask them nicely. Insurance
> companies have teams of people who try ( I repeat: try ) to interpret
> what a judge or appellate court said as it affects coverage of the
> policy. Ins Agents try to keep up but have to sell policies and help
> with claims: keeping up with policy wording is not their Primary focus.
> It may be you read/interpreted something incorrectly, but then again I've
> had to point things out to agents when trying to find coverage for my old
> MV's half a dozen times... sort of like having to help the local DMV when
> you go to get a new title for your recently purchased historic vehicle.
> Because when you DO have an accident ( didn't someone get injured or
> killed at an MV gun shoot mid country a couple of years ago? ) the FIRST
> thing the insurance company will/should do is verify you Are covered,
> then see if any exclusions apply. If your agent botched it you can sue
> the agent later but you are still on the hook.
>
> Again, sorry for babbling. I dislike it when people pay a lot of money
> for coverage but aren't covered for what they thought they were. Killing
> all the lawyers would help, but then who would we put in the lagoon at
> the far end to attract the sharks when the rest of us what to go
> swimming?
>
>
> Regards
>
> Paul
>
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-- Dave
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