Quote:
Originally Posted by Bear Chow
I carry full insurance on all my vehicles. For the record my agent said he could not, (I question maybe would not) insure a vehicle that came oem equiped with airbags, if they have been deployed. I was given the option to get they replaced, of course and then he would insure it.
It's not always about what your agent asks but what you dislose. If I insure a 1995 beat to crap jeep wrangler, it may be covered to replacement cost $2000. But that won't cover 36" tires, D44 or 60 or heaven forbid a stak.
Houses are the same. If someone where to drive up and clear out may garage. I'ld be out $$$$ in tools and parts if I didn't disclose it to my agent.
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I think you need a new insurance company , If someone cleans out my garage I have no fear that everything ( prolly more ) would be replaced.
I do agree with the Jeep statement , thats why you have a custom rider placed on the vehicle , I had one for one of my camaro's for an additional $5000.00 and it only cost pennys a day. However if you could prove that you had some of the items on the Jeep I would bet they would pay for them . Say someone cuts your 36" Iroks in your drive ...... they're going to replace them .
My insurance company ( NLH in Middletown) is great , I even asked my agent if I should video the contents of the house for replacement and was told , only if I had the Hope Diamond on display would I have a replacement issue with them.