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I=E2=80=99ve posted these thoughts here before. Might as well do it =
again:
(1) Be sure you know what kind of insurance you are getting: stated =
value or agreed value. Stated value means you say the value, and they =
bill you premiums at that rate, but in a loss situation, they can still =
argue with you about the value (within limits). Agreed value is that =
they are agreeing that is the value, and if you have a loss, there is no =
haggling on value. I=E2=80=99m not saying stated value is bad. I=E2=80=99=
m just saying be sure you know what you are getting - and don=E2=80=99t =
assume it is agreed value.
(2) Be sure to know what the limits are for your use of the car. Some =
of the classic policies will not cover you if you have a loss while in a =
hardware store parking lot, or in driving to work, or letting your less =
than 25 year old son or daughter drive it. Those all killed it for me =
for my uses. I decided it was better to be under insured than uninsured =
for my uses. When I spoke to ALL the companies, they all had some form =
of limitation that I wasn=E2=80=99t willing to live with.
A buddy of mine has an XK140 and he drives it to work all the time. =
Good for him. But he says if he ever gets in an accident or its stolen, =
he will tell the insurance company he drove it to work that day because =
he was taking it to the shop. That might be fine for him. But again, =
I=E2=80=99d rather be underinsured than insurance fraud.
(3) All of the companies require that you have another car of less than =
15 years old. And for all drivers. You may have that. I actually =
don=E2=80=99t. My wife has a newer car. But that didn=E2=80=99t count.
On Apr 17, 2021, at 6:37 AM, Dr. T. Y. McDowell <tym2@comcast.net> =
wrote:
I've used Grundy for years. I've never had a claim.
Tym McDowell
> On 04/17/2021 8:57 AM Paul Sheahan via Tigers <tigers@autox.team.net =
>=20
>=20
> Tigers Owners,
> I need to change my insurance on my Tigers. I am currently with =
Nationwide. Any suggestions would be appreciated including any =
experience with claims. =20
> Thanks,
> Paul
> Sent from my iPad
> _______________________________________________
>=20
> tigers@autox.team.net
>=20
> Donate: http://www.team.net/donate.html
> Archive: http://www.team.net/pipermail/tigers =
http://autox.team.net/archive
>=20
> Unsubscribe: =
http://autox.team.net/mailman/options/tigers/tym2@comcast.net =
<http://autox.team.net/mailman/options/tigers/tym2@comcast.net>
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Archive: http://www.team.net/pipermail/tigers =
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<html><head><meta http-equiv=3D"Content-Type" content=3D"text/html; =
charset=3Dutf-8"></head><body style=3D"word-wrap: break-word; =
-webkit-nbsp-mode: space; line-break: after-white-space;" =
class=3D"">I=E2=80=99ve posted these thoughts here before. Might =
as well do it again:<div class=3D""><br class=3D""></div><div =
class=3D"">(1) Be sure you know what kind of insurance you are =
getting: stated value or agreed value. Stated value means you say =
the value, and they bill you premiums at that rate, but in a loss =
situation, they can still argue with you about the value (within =
limits). Agreed value is that they are agreeing that is the value, =
and if you have a loss, there is no haggling on value. I=E2=80=99m =
not saying stated value is bad. I=E2=80=99m just saying be sure =
you know what you are getting - and don=E2=80=99t assume it is agreed =
value.</div><div class=3D""><br class=3D""></div><div class=3D"">(2) =
Be sure to know what the limits are for your use of the car. =
Some of the classic policies will not cover you if you have a loss =
while in a hardware store parking lot, or in driving to work, or letting =
your less than 25 year old son or daughter drive it. Those all =
killed it for me for my uses. I decided it was better to be under =
insured than uninsured for my uses. When I spoke to ALL the =
companies, they all had some form of limitation that I wasn=E2=80=99t =
willing to live with.</div><div class=3D""><br class=3D""></div><div =
class=3D"">A buddy of mine has an XK140 and he drives it to work all the =
time. Good for him. But he says if he ever gets in an =
accident or its stolen, he will tell the insurance company he drove it =
to work that day because he was taking it to the shop. That might =
be fine for him. But again, I=E2=80=99d rather be underinsured =
than insurance fraud.</div><div class=3D""><br class=3D""></div><div =
class=3D"">(3) All of the companies require that you have another =
car of less than 15 years old. And for all drivers. You may =
have that. I actually don=E2=80=99t. My wife has a newer =
car. But that didn=E2=80=99t count.</div><div class=3D""><br =
class=3D""></div><div class=3D""><br class=3D""></div><div class=3D""><br =
class=3D""></div><div class=3D""><br class=3D""></div><div class=3D""><br =
class=3D""></div><div class=3D""><div><br class=3D""><div class=3D"">On =
Apr 17, 2021, at 6:37 AM, Dr. T. Y. McDowell <<a =
href=3D"mailto:tym2@comcast.net"; class=3D"">tym2@comcast.net</a>> =
wrote:</div><br class=3D"Apple-interchange-newline"><div class=3D""><meta =
charset=3D"UTF-8" class=3D""><span style=3D"caret-color: rgb(0, 0, 0); =
font-family: Helvetica; font-size: 12px; font-style: normal; =
font-variant-caps: normal; font-weight: normal; letter-spacing: normal; =
text-align: start; text-indent: 0px; text-transform: none; white-space: =
normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; =
text-decoration: none; float: none; display: inline !important;" =
class=3D"">I've used Grundy for years. I've never had a =
claim.</span><br style=3D"caret-color: rgb(0, 0, 0); font-family: =
Helvetica; font-size: 12px; font-style: normal; font-variant-caps: =
normal; font-weight: normal; letter-spacing: normal; text-align: start; =
text-indent: 0px; text-transform: none; white-space: normal; =
word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: =
none;" class=3D""><br style=3D"caret-color: rgb(0, 0, 0); font-family: =
Helvetica; font-size: 12px; font-style: normal; font-variant-caps: =
normal; font-weight: normal; letter-spacing: normal; text-align: start; =
text-indent: 0px; text-transform: none; white-space: normal; =
word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: =
none;" class=3D""><span style=3D"caret-color: rgb(0, 0, 0); font-family: =
Helvetica; font-size: 12px; font-style: normal; font-variant-caps: =
normal; font-weight: normal; letter-spacing: normal; text-align: start; =
text-indent: 0px; text-transform: none; white-space: normal; =
word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: =
none; float: none; display: inline !important;" class=3D"">Tym =
McDowell</span><br style=3D"caret-color: rgb(0, 0, 0); font-family: =
Helvetica; font-size: 12px; font-style: normal; font-variant-caps: =
normal; font-weight: normal; letter-spacing: normal; text-align: start; =
text-indent: 0px; text-transform: none; white-space: normal; =
word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: =
none;" class=3D""><blockquote type=3D"cite" style=3D"font-family: =
Helvetica; font-size: 12px; font-style: normal; font-variant-caps: =
normal; font-weight: normal; letter-spacing: normal; orphans: auto; =
text-align: start; text-indent: 0px; text-transform: none; white-space: =
normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; =
-webkit-text-stroke-width: 0px; text-decoration: none;" class=3D"">On =
04/17/2021 8:57 AM Paul Sheahan via Tigers <<a =
href=3D"mailto:tigers@autox.team.net"; =
class=3D"">tigers@autox.team.net</a>> wrote:<br class=3D""><br =
class=3D""><br class=3D"">Tigers Owners,<br =
class=3D""> I need to change my insurance on my =
Tigers. I am currently with Nationwide. Any suggestions =
would be appreciated including any experience with claims. <br =
class=3D"">Thanks,<br class=3D"">Paul<br class=3D"">Sent from my iPad<br =
class=3D"">_______________________________________________<br =
class=3D""><br class=3D""><a href=3D"mailto:tigers@autox.team.net"; =
class=3D"">tigers@autox.team.net</a><br class=3D""><br class=3D"">Donate: =
http://www.team.net/pipermail/tigers http://autox.team.net/archive<br =
class=3D""><br class=3D"">Unsubscribe:<span =
class=3D"Apple-converted-space"> </span><a =
href=3D"http://autox.team.net/mailman/options/tigers/tym2@comcast.net"; =
class=3D"">http://autox.team.net/mailman/options/tigers/tym2@comcast.net</=
a><br class=3D""></blockquote><span style=3D"caret-color: rgb(0, 0, 0); =
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normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; =
text-decoration: none; float: none; display: inline !important;" =
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font-size: 12px; font-style: normal; font-variant-caps: normal; =
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