OK, this is NUTS!!
I just got done with a long conversation with my insurance agent today while getting my Progressive Commercial policy cranked up on my Freightliner.
I tend to get way ahead of myself at times trying to cover ALL the bases on matters such as this (paranoia is a good thing).So while we got the big truck ready for the summer I quized him as to whether Allstate( I have all my personal vehicles and the M35 on Allstate) has a webpage somewheres so I can look up any generic exclusions to their policy.He asked why and I said I go to a web site often (SS) and one topic that keeps coming up is insurance-what company covers and what don't and I want to make sure Allstate really is covering my M35 and I want peace of mind that I am REALLY covered.
He did some calling and gets off and says Allstate guy tells him they don't insure ANY military vehicles, then tells me since I been on Allstate that if I have a claim that they would probably pay but then would drop me.Boy, sure makes me feel secure !!!!
Then goes on to say that Progresive won't cover any MV's either.He tried to see if we could put the M35 in with the commercial trucks because of the weight,they said the weight aint the problem. Its an MV and we dont write MV's.!!
WTF!!! I mean really, is my agent that screwed up, or are the Companies themselves really that fickle!!??
He did call Geico and they(he says) tell him that they will insure the M35 no problem but he does not carry them.
I did call Geico last fall to get a quote and was VERY specific in making the gal understand just WHAT the m35 is and she spent time with the underwriter and they are good with the MV. I thought about switching from Allstate but wanted to make dang sure Geico would cover MV's before I left Allstate where I had(I thought I had) coverage.
Bottom line here--check and recheck to make sure your agent knows what these are so you REALLY are covered.I been with Allstate since about 1972 and had the M35 there since 2008.
Jim