Roland, thanks for the vote of confidence in Hartford insurance. I have their home owners insurance and have had similar experience. I have have not had a claim on my truck yet.
Jerry
-----Original Message-----
>From: Roland Wiench <
[email protected]>
>Sent: Jul 29, 2007 8:37 AM
>To:
[email protected]
>Subject: Re: Insurance
>
>That is why I have Hartford insurance. They paid everything, what it cost
>to replace. They paid the full cost of replacing the side glass panel in
>the door which cost $600.00 just for the glass plus about $200.00 for
>installing. A insurance adjuster did not even come out to look at it for a
>1977 El Camino.
>
>Now here is the big one. A large gravel truck going down a road with the
>gravel spilling out because it was pile to high, splashing gravel all over
>my EV which was park. It splash the gravel over all the sides and top of
>the paint that was color sanded to 7000 grit compound.
>
>They sent a adjusted out on this one, maybe because he wanted to see a EV.
>I call Hartford at 10.00 AM on a friday. The adjusted was at my house at
>1.00 PM. His eye balls snap out his head when I under cover the EV which is
>park in a secure building.
>
>He then had to visit the customizing body shop that did this work to
>finalize the estimate to bring the condition the EV to the condition it was
>before it was damage.
>
>I had witnesses that saw which company did this and Hartford contacted them
>and there adjuster came out. This guy was in a daze looking at the EV and
>left not saying much.
>
>On Tuesday at 2.00 pm, I got a check from Hartford for repainting the whole
>car and bringing it to the same condition before it was damage, for $6890.00
>from Hartford. I call Hartford, and they said, it just in case check if the
>other party would not paid as much.
>
>The other party paid the full amount and I sent the check back to Hartford.
>
>About six months later, I was park at a auto parts store, and a delivery
>truck back up too far and punch a hole in my passenger side door while the
>EV was park with its tow hitch which was sticking out and not folded in.
>The door, new locks, glass, and customize power locks switches, window
>operators, and inside panel was replace and replace and painted for
>$2800.00.
>
>Again. the Hartford sent me a check and I had to sent it back to them.
>
>Roland
>
>
>
>
>----- Original Message -----
>From: "Michael Perry" <
[email protected]>
>To: <
[email protected]>
>Sent: Sunday, July 29, 2007 12:46 AM
>Subject: Re: Insurance
>
>
>> As a thought, you might want to contact a lawyer up front on that
>> "special"
>> policy coverage. If you have it written up into your policy, you are
>> probably covered if the accident it yours. BTW, when you contact the
>> lawyer,
>> make sure he'll cover you in case of an accident.
>>
>> My policy covered the additions I made to my car. However, when a 17 year
>> old slammed into the back of it (even knocking the springs from under its
>> rear) I found I was the owner of a $2000 auto... despite having a rig
>> worth
>> more than twice that amount. Progressive would not pay more than the car
>> would sell for at "average"... which meant no custom work or improvements.
>> Simply what a standard car would go for if it weren't updated. Oh, and
>> lawyers weren't interested, unless it was a case of injury. Your policy
>> may
>> cover it... but they don't pay if it's some else's fault.
>>
>> Make sure it's written into your policy, also. What your agent tells you
>> and
>> what your policy covers is 2 different things altogether.
>> ----- Original Message -----
>> From: "Bob Bath" <
[email protected]>
>> To: <
[email protected]>
>> Sent: Saturday, July 28, 2007 5:24 AM
>> Subject: Re: Insurance
>>
>>
>> > Howdy Bart.
>> > I'm with Allstate. They sell a "stated value
>> > policy", so that if I get totaled, I get the $8,500
>> > cost of my on-board charger, batteries, controller,
>> > DCDC, etc., not the $3,000 a gas-burner Civic is
>> > worth.
>> > It merely requires that I have saved receipts and can
>> > prove the value is correct. I keep the same 50/100
>> > coverage or whatever we currently have. It costs me
>> > the same or less than a regular policy. You are wise
>> > to ask.
>> > peace,
>>
>>
>