Insurance ???????

[Broncoman]

Just wondering if anyone else has had any trouble with putting insurance on your M1008s? I went by my State Farm agent today to see about adding the 84 M1008 I just bought, They said it was going to fall under a special commercial policy due to the size. I.E 1-1/4 ton truck. That puts the policy at double the price for liability insurance than it would be for a standard 3/4 ton truck.

 

[m16ty]

I'd just call it a 3/4 ton truck because that's basicly all it is. Or better yet just tell them it's a Chevy K20. You could paint a 80s model 3/4 ton Chevy OD and nobody could tell the difference.

I accually run into this same problem with Farm Bureau with my m715 I should have said 3/4 and not 5/4. Put me on a com. policy but come to find out it didn't cost any more they just write it up different.

 

[appalacious]

My branch made me send them a picture of the vin plate cause they didn't believe the vin wasn't in their database. But they did write it up eventually for the price of a normal blazer.
J

 

[Broncoman]

That's the problem as soon as she put the vin in it didn't show up. I will have to go talk to them again tuesday about it, she tried putting it in as a K20 but the system kept kicking it back. That's when she had to check with the home office, and called me back with a quote this afternoon.

 

[hobie237]

Yay! Insurance fraud is fun!

It is NOT a 3/4 ton truck. It is, however, based on a 1-ton truck, a Chevy K30.

No problems on current Geico policy, although Progressive was a pile of **** because it came back as a military vehicle, and they didn't like that. There's really no point lying, they're going to run the VIN and it's going to come back as whatever it's going to come back as, depending on whether they bother to sub-flag military-package K30s after they've already tagged the model as a K30. If it doesn't come back, f- 'em. Just find another insurance company. There are plenty of fish in the sea.

Trying to tell them it's a K20 won't get you anywhere once they run the VIN. At best, they'll just re-write the policy with it as a K30. At worst, they'll deny the policy. I don't want any part of any insurance company that doesn't do their due diligence and allows customers to outright lie to them.

 

[m16ty]

Yay! Insurance fraud is fun!

It is NOT a 3/4 ton truck. It is, however, based on a 1-ton truck, a Chevy K30.

No problems on current Geico policy, although Progressive was a pile of **** because it came back as a military vehicle, and they didn't like that. There's really no point lying, they're going to run the VIN and it's going to come back as whatever it's going to come back as, depending on whether they bother to sub-flag military-package K30s after they've already tagged the model as a K30. If it doesn't come back, f- 'em. Just find another insurance company. There are plenty of fish in the sea.

Trying to tell them it's a K20 won't get you anywhere once they run the VIN. At best, they'll just re-write the policy with it as a K30. At worst, they'll deny the policy. I don't want any part of any insurance company that doesn't do their due diligence and allows customers to outright lie to them.

Maybe I sould have worded it different but all I'm saying is don't give them more info than they need. Just give them the VIN info and maybe a pic and let them decide. I bet most agents would take one look at it and call it a 3/4 ton Chevy. They aren't going to look at the axle size or anything like that. Farm bureau doesn't care, all they want to know is the physical size of it or dual wheels and or number of axles.

 

[papercu]

When you give them the VIN that tell them what it is. My VIN from CARFAX comes back as VIN: 1GCGD34J6GF35xxxx
Vehicle:1986 CHEVROLET D30 MILITARY POSTAL UNIT
BTY I used Geico and it just a normal pickup policy.Wayne

 

[dmc-4359]

No problems on current Geico policy, although Progressive was a pile of **** because it came back as a military vehicle, and they didn't like that.

Interesting. I have Progressive and my liability coverage is the same as my Two Door ($87 every six months, might be high but I have never been inclined to shop around). I didn't even have to talk to an agent. I just entered the VIN # into their site and it came back as a military vehicle and then they sent me my new insurance cards.

Perhaps it is the part of the world you live in? Could be why they weren't fans of it. I know around here, State Farm simply prices themselves out of the motorcycle market so they don't deal with them.

 

[bryab123]

i just told them mine was a 1985 chevy pickup and gave them the vin. no questions asked

 

[hobie237]

Maybe I sould have worded it different but all I'm saying is don't give them more info than they need. Just give them the VIN info and maybe a pic and let them decide. I bet most agents would take one look at it and call it a 3/4 ton Chevy. They aren't going to look at the axle size or anything like that. Farm bureau doesn't care, all they want to know is the physical size of it or dual wheels and or number of axles.

Ok, you've missed the point. You can tell them it's a friggin pope mobile if you want to, but it's not. You can try to withhold information, but you give them the VIN, so they can pull the year, model and package relatively easily from their database. For newer vehicles, they always pull the full package information so they know whether it came with ABS, airbags, and whatever else, but for older vehicles, they often don't really care what package it was built as.

Sure, I bet there are plenty agents out there who don't do their due diligence and allow themselves to be lied to or whatever. While this sounds like it would be cool, I'd drop my policy REALLY fast if it said "K20" when I know the truck is NOT a K20. I don't want to be anywhere NEAR a company like that if I have a claim.

It's the same thing with tickets/accidents. They ask you to provide that info so they can give you a quote. Sure, you can lie and say you don't have any even if you do, and the quote will be cheaper and you'll feel good. Before writing the policy, they'll check your driving history, and find out whatever is on there, and the quote will go up. Or they won't, but there's no way I'd take that policy. Lying is also known as "fraud" and lying in the insurance realm is "insurance fraud." In addition to legal penalties, it can only come back to bite you in the ass when you have a claim. I guess you could hope you don't have a claim, but if you're doing that you may as well skip insurance all together, you're basically no worse off than if you have garbage BS policy.

Interesting. I have Progressive and my liability coverage is the same as my Two Door ($87 every six months, might be high but I have never been inclined to shop around). I didn't even have to talk to an agent. I just entered the VIN # into their site and it came back as a military vehicle and then they sent me my new insurance cards.

Perhaps it is the part of the world you live in? Could be why they weren't fans of it. I know around here, State Farm simply prices themselves out of the motorcycle market so they don't deal with them.

No idea. Their website didn't like the VIN, so I called, and after wasting 45 minutes on the phone getting nowhere but "well, maybe you'll have to go through commercial insurance" I told them to cancel my policy at the end of the month. I don't have time to screw around with that sort of BS. I'll just go to somebody who actually wants to sell me insurance. Their loss, anyway, since I don't drive much, so I'm a pretty low risk person, plus I pay a LOT of money for full coverage on the Miata ($100 deductibles, several thousand dollar rider to cover all the aftermarket equipment), which is only driven maybe 2500 miles per year. Progressive had been pretty good up to that point. Maybe the person I got on the phone was just an idiot, I don't know, I just know that I didn't have the time to deal with it.

It could be a regional thing, don't know. Seems odd, since it's a pretty low-risk vehicle, but I don't know. I'd say it had something to do with the lack of airbags, traction control, ABS, etc, but the Miata doesn't have any of that stuff either, and it's actually capable of generating speeds/g-loads where that stuff may be useful.

i just told them mine was a 1985 chevy pickup and gave them the vin. no questions asked

As I said before, what you tell them is irrelevant. It's what they do with the VIN that is relevant, and if you're not taking out comprehensive/collision, they don't really care what the truck looks like. They may not even care if you do have full coverage, being as it's so old.

 

[mkcoen]

There have been several recent threads on this that others may want to review.

As I mentioned on those threads I was a Progressive Claims Manager for 10 years. And as I also said, some people will hate Progressive as a company and some will love them so don't waste time or space saying how horrible or great they are.

If you misrepresent your vehicle, or your agent misrepresnts your vehicle, and you are in an accident your policy is worthless. Let me say that again. YOU DO NOT HAVE INSURANCE. Hopefully that is plain enough for everyone. If the 3/4 ton pickup you have listed on your policy turns out to be a 5/4 former military vehicle when the claims rep comes out to take photos after you lost your brakes and rearended a minivan on the way to church your ass is going to be chewed up and spit out by the first low-life plaintiff attorney they can find on the kitchen phone book. Is losing your house and having your wages garnished for the rest of your life worth saving a few bucks? Not to mention you could face criminal penalties depending on what state you live in.

I drove without insurance until I got married (age 27). I was lucky but I was also stupid. I saw a lot of dead people (no Sixth Sense jokes please) in 10 years and quite a lot of them were killed by good drivers in good vehicles that just ran in to a bad situation. That's why they call them "accidents." Don't ruin your life because you're either stupid or cheap.

 

[AJMBLAZER]

Must be a local thing. I have State Farm here in Michigan and other than having a hard time reading the VIN because of the military/postal numeral they just insured it as a 1986 Chevy K30 pickup. With full coverage it's cheaper than my Tracker with PLPD.

Different states have different rules about insurance so that definitely affects the prices and rules. When I was young, dumb and full of...Marine Pride I had a relatively newer Chevy fullsize Blazer on 33's and my insurance in CALIFORNIA was 2/3 the cost of insurance in Michigan. California had less strict laws about what sort of coverage you had to have.

Just make sure they're reading the VIN correctly and insuring it as a K30 1 ton pickup just like any other K30, V30, C35, F350, Ram 350, Ram 3500, etc etc etc. If those have to go with a commercial policy then you do to. If they don't then ask your insurance agent what the difference is between yours and those trucks. If they insist there's a difference find a different company and/or agent.

 

[dunedigger]

My insurance company has always been great to me. I gave them the vin and had to confirm several times because they couldn't find it in the system. So, they just called back for an estimated value and insured it from that number.

 

[hobie237]

There have been several recent threads on this that others may want to review.

As I mentioned on those threads I was a Progressive Claims Manager for 10 years. And as I also said, some people will hate Progressive as a company and some will love them so don't waste time or space saying how horrible or great they are.

If you misrepresent your vehicle, or your agent misrepresnts your vehicle, and you are in an accident your policy is worthless. Let me say that again. YOU DO NOT HAVE INSURANCE. Hopefully that is plain enough for everyone. If the 3/4 ton pickup you have listed on your policy turns out to be a 5/4 former military vehicle when the claims rep comes out to take photos after you lost your brakes and rearended a minivan on the way to church your ass is going to be chewed up and spit out by the first low-life plaintiff attorney they can find on the kitchen phone book. Is losing your house and having your wages garnished for the rest of your life worth saving a few bucks? Not to mention you could face criminal penalties depending on what state you live in.

I drove without insurance until I got married (age 27). I was lucky but I was also stupid. I saw a lot of dead people (no Sixth Sense jokes please) in 10 years and quite a lot of them were killed by good drivers in good vehicles that just ran in to a bad situation. That's why they call them "accidents." Don't ruin your life because you're either stupid or cheap.

Thank you. Maybe hearing it from someone who worked in the industry will get that through peoples' heads.

My knowledge of the issues comes from hot rodders misrepresenting their vehicles, for whatever that's worth. They'd brag about how they were paying such cheap insurance, and then they'd need to file a claim, and holy cow, all those cheap premiums were flushed down the toilet because of the misrepresentation.

 

[m16ty]

My way of thinking is the 5/4 ton rating is a military rating and really has no bearing in the civilain world. The GVW (8,800#) is the same as a K20. I know we all use trems such as 1/2 ton, 3/4 ton, 1 ton, etc. but the automakers quit rating vehicles like that many many years ago.

hobie237, Nowhere in my post did I say "lie to the ins. company". I said "give them the VIN and let them figure it out". I really don't care who you would or would not insure you vehical with as I have a good ins. company and we've never had any problems. Lets just leave it at that.

 

[hobie237]

My way of thinking is the 5/4 ton rating is a military rating and really has no bearing in the civilain world. The GVW (8,800#) is the same as a K20. I know we all use trems such as 1/2 ton, 3/4 ton, 1 ton, etc. but the automakers quit rating vehicles like that many many years ago.

IT. IS. A. K30. NOT. A. K20. Different models. Hope that was clear.

hobie237, Nowhere in my post did I say "lie to the ins. company". I said "give them the VIN and let them figure it out". I really don't care who you would or would not insure you vehical with as I have a good ins. company and we've never had any problems. Lets just leave it at that.

Horsehockey. Here, I'll quote it back to you:

I'd just call it a 3/4 ton truck because that's basicly all it is. Or better yet just tell them it's a Chevy K20. You could paint a 80s model 3/4 ton Chevy OD and nobody could tell the difference.
.

I'd say telling somebody that a K30 is a K20 is an outright lie. Then again, since you don't seem to know any better, maybe it's just innocent ignorance.

 

[Broncoman]

Sorry guys, I didn't mean to stir up a Hornets nest. But I do appreciate every ones input.

 

[mkcoen]

Nowhere in my post did I say "lie to the ins. company". I said "give them the VIN and let them figure it out.

The problem with this is if you are going through a local agent, like Allstate, State Farm, and many others require you to do, and they do not correctly represent what you have to the "Company" the "Company" does not have to honor the policy. Your only option then is to try and get the money out of the agent. Good luck.

Some of the other threads were regarding deuces and how they were listed on the insurance policy as a pickup. That ain't gonna fly when the feces hits the oscilating rotator. In the end it comes down to what your policy says. If the insurance company doesn't have it listed correctly then they can blame you for not reviewing the policy when you recieved it. It is YOUR responsibility to make sure everything is correct not theirs. Letting them "figure it out" leaves them the contractual ability to say YOU misrepresented your vehicle and committed insurance fraud. It doesn't matter what information you gave them it matters what is printed on the policy. You could probably get an expensive schister to get you out of paying somebody elses damages but probably not get anything for your vehicle. In the end what's cheaper? Probably paying for a correct policy versus an attorney.

 

[m16ty]

IT. IS. A. K30. NOT. A. K20. Different models. Hope that was clear.

David Doyle says in his book it is a K20 truck with a K30 front axle and I'll belive him over you any day.

I'm done with this thread.

 

[mkcoen]

Sorry guys, I didn't mean to stir up a Hornets nest. But I do appreciate every ones input.

Actually this is a good discussion. I'd really hate for someone on here to think they were covered and get into an accident and find out they weren't.

CARNAC just had an accident in his M1009. Luckily it was just his vehicle but from the sounds of his post it could have easily involved others. I have no idea what type of insurance he has but it just points out that these things do happen to good people and we all need to be aware of what kind of coverage we have.

As part of my prior career I had to deny many claims because people thought they had something they didn't or their policy would cover it as long as they were driving. A prime example is a Uhaul truck. Their policy would cover them in any Uhaul as long as it had a GVW of under 10k. Once you get in to one of the bigger truck then their standard auto policy wouldn't cover it so any loss would be denied.

Too many people out there think they are sh**house lawyers and they're about as full of sh** as where the name comes from.