I don't know why USAA beleives that they can get away without paying if they
wrote a policy on a vehicle and it is above 1 ton. Generally if they write
the policy and they violate there own rules they have waived there rights to
not pay a claim based on those rules. If you have disclosed all informaiton.
So if they do not pay the claim they are left open for a lawsuit. They tried
to pull somewhat of the same thing with me on boat insurance after my boat
sank. Most insurance compnaies will try to get out of the claim by dazzling
you with B.S. but if you fight it you will generally find that if they are
violating the contract you will win.
Jeff GranaiAt 09:37 PM 8/12/97 -0700, you wrote:
>Folks:
>
>Just insured my M-54A1 with J.C. Taylor (800-345-8290). $50/year for
>liability/collision/comprehensive. Vehicle must be restored, kept in a
>locked garage and only driven in parades/shows, etc. Needless to say, I
>can meet those conditions! :} (It's a BIG garage!)
>
>It took a couple of passes, because they wanted better pictures than I
>had originally sent, but they came through. I was really worried,
>because USAA (my car insurance co.) wouldn't cover it because it's too
>big, and commercial truck insurance companies wouldn't cover it because
>it was for 'personal use'.
>
>BTW, USAA originally told me they would cover it, and they backed out
>when I reminded them how big it was. Turns out they won't cover anything
>over 1 ton (I know, what about pickups, but that's what they said!). The
>kicker is, they told me that if they found out that your vehicle is over
>one ton, they won't cover it, *period*. If they've written a policy on
>such a vehicle, they will *NOT* pay if you file a claim! So, you folks
>with USAA insurance on your 1-1/4 ton trucks might want to double check
>with them. You could really be screwed if you had an accident and needed
>that liability insurance!
>
>JIM :}
>
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