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Post by Boulder on Feb 7, 2006 10:03:32 GMT -5
Hey all... I was just flipping through my current issue of Four Wheeler Magazine and read a letter that one of the readers wrote. The letter describes a situation where the writer's friend rolled his "LIFTED" Jeep and the insurance company refused to pay since it was "LIFTED"  . Apparently, some/most/all? insurance companies require a special rider (which costs more $$ of course), if your Jeep has been lifted. If you don't have it, they won't pay. Anyone else ever hear anything like this before  ? Joe |
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Post by Scott on Feb 7, 2006 16:43:45 GMT -5
Nope, BUT I am friendly with my insurance lady and you can be sure I'm going to call her tomorrow and ask. Stay Tuned!
Scott
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Post by Kevin W. on Feb 7, 2006 22:10:08 GMT -5
Yes... this is a common thing actually. Also, when you call, ask about modifications. I check with my insurance person a yearly basis to confirm how they want my modifications covered. According to my insurance, as long as I have receipts for stuff on my jeep, then I'm covered. I've known several people who have rolled and "adjusted" the actual location of the roll a bit.... or not really mentioned the fact they were climbing a rock face, but instead swerved around a corner. Companies will do anything possible to avoid paying. Just like dealerships trying to blame warranty items on your modifications. Definetly get these things clarified with the insurance  KEV |
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Post by Scott on Feb 9, 2006 16:06:54 GMT -5
OK, She spoke with the claims dept at the underwriters office and stated that it would not effect my coverage in the event of a roll over as long as it was not during an "organized event" like racing, demolition derby, ect.
I guess different insurance company's have different policy's.
My major carrier is One Beacon.
Also, As far as covering Modifications cost in the event of a total loss. I don't know, She says that Modifications have in the past only been allowed to be added to the policy for 'Trucks and Vans', so she told me when I get my first receipt for an accessory to give it to her and she will try to add it to my policy. I'll keep you posted on that one, I should have plenty of receipt's in a couple of weeks. ;D
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Post by Kevin W. on Feb 10, 2006 11:25:21 GMT -5
Good stuff.
Also, I like to keep a couple updated pictures of my jeep around also. Not sure if it will actually help at all, but at least I have something to point to when I'm claiming that I have X, Y and Z in my jeep. Or did, right before I drove it off the cliff into the atlantic ocean.
KEV
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. Apparently, some/most/all? insurance companies require a special rider (which costs more $$ of course), if your Jeep has been lifted. If you don't have it, they won't pay. 
? 
