Reply
 
Thread Tools Display Modes
 
Old 09-30-2017, 01:47 PM   #1
Senior Member
 
arctictraveller's Avatar
 
Join Date: Mar 2013
Posts: 2,909
Will your insurance deny your claim?

I came across this today. The site discusses insurance company policy regarding vehicle modifications like a lift kit, and payment of claims in the event of an accident. They recomend asking your agent if your coverage will apply if you modify your van, but my experience is that it's difficult to get a clear answer. Fortunately though, they claim my insurer, State Farm, is ok with lifts

LiftLaws.com - What You Need To Know About Street Legal Laws
__________________

__________________
Arctic Traveller
KC6TNI
2001 GTRV
Advanced 4wd
Agile Ride improvement package
www.arctictraveller.com
arctictraveller is offline   Reply With Quote
Old 10-03-2017, 11:43 AM   #2
Senior Member
 
bet on black's Avatar
 
Join Date: Jan 2017
Location: houston, tx
Posts: 325
list anything on the application that has been done. that is what saved my ass on my claim. i listed the 4x4 conversion with lift, and custom bumpers, on the original application. when the adjuster pulled that finally, it was all that was needed to pay my total loss claim. got a check $28k for a van i paid $30k for.
__________________

__________________
'99 ford e350 - 7.3L 4x4
'10 ford f150 raptor scab
'53 buick special eight - the sled
bet on black is offline   Reply With Quote
Old 10-04-2017, 02:32 AM   #3
Senior Member
 
winmag4582001's Avatar
 
Join Date: Sep 2016
Location: Denver, CO
Posts: 224
I don't believe Colorado has any insurance type laws regarding modified or lifted vehicles.

As far as dealing with insurance companies on my personal stuff:
This is my experience with Allstate...... They suck!

For vehicles through Allstate, they only pay book value at best. They don't care how much you've spent in upgrades or 4x4 conversions. You can increase your coverage based on what you have into the vehicle, but they will charge you. A lot!

Also note that your homeowners insurance is the same way. You may have full coverage insurance on your house, but read the fine print. They will cover the structure in the case of total loss and about 1% of your personal items. In the case of theft or damage to personal items you will find you have NO coverage at all! I always assumed that if it was in my house or garage, it was covered. I was completely wrong. After I got the proper insurance to cover my climbing gear, firearms and race equipment/tools, my homeowners insurance went up 400%.

A few years ago my truck was broken into. Roughly $3000 worth of items were stolen. Allstate covered the damage to my vehicle and paid for my prescription glasses, after my $100 deductible. That is what spurred me to check into all my full coverage I had through Allstate.
__________________
2010 Ford E350 EB 6" Weldtec Lift
2017 Subaru Legacy
1990 Volvo 240GL
2x 1987 BMW 535is
1995 BMW 540i6
winmag4582001 is offline   Reply With Quote
Old 10-04-2017, 08:58 AM   #4
Junior Member
 
Join Date: Sep 2017
Posts: 15
Get an agreed value policy and an appraisal. It isn't worth hassle dealing with everything after the fact.

Thanks,
deshet is offline   Reply With Quote
Old 10-04-2017, 12:51 PM   #5
Senior Member
 
MadScience's Avatar
 
Join Date: Jul 2011
Location: SF Peninsula
Posts: 771
The original question isn't just about getting a comprehensive payout.

The really scary bit is if you're in an at-fault, or even no-fault situation and your insurance decides to deny liability coverage because the vehicle was deemed to be less safe than the vehicle they thought they were insuring.

For that matter, you could imagine a situation where someone sustained an injury when they were at fault and they start to claim that this injury would not have occurred if you were not operating a vehicle that their counsel is portraying as unsafe. You really want your insurance to be standing up for you in that case.

My insurer knows that my van was substantially modified for the 4x4 conversion. I was very clear with them on that, and I do think I pay just a bit more for that.

The catch-all, that anyone with real assets should have, is however a personal umbrella policy. Those actual policies aren't that much, but they do require you to have more substantial limits on your automobile liability portions. That portion does cost quite a bit more than the legally required minimums.
__________________

'99 EB ex ENG KSWB news van, low rent 4x4 conversion (mostly fixed by now), home built interior.
MadScience is offline   Reply With Quote
Old 10-04-2017, 10:55 PM   #6
Senior Member
 
Glider's Avatar
 
Join Date: May 2016
Location: Pacific NW
Posts: 598
Garage
I have heard stories of drivers of modified vehicles being found at fault for accidents that they had not caused--but that ended up being worse due to things like bumper heights that exceeded state maximums, etc. From my perspective, it is worth it to find out if a rig is in compliance or out of compliance, both for legal protection and to maintain insurance coverage.

This was one of my considerations when I made a decision regarding my 4x4 conversion. We have a collection of really talented folks who have designed a variety of conversions for our vans. They are all different, and they all have their benefits and their drawbacks. One of the considerations, for me, was if the conversion was an authorized Ford upfit, and if the provider carried appropriate product liability insurance. These two things would protect me from liability for an "out of spec" modification in the event of an accident, and they would prevent an insurance company from denying coverage due to unapproved mods.

I believe there are many things to consider with any van conversion; many benefits and drawbacks with every decision we make. My goal, with my rig, is to be conscious of the potential impacts of every choice I make, and to select the choice-impact couplings that maximize my experience, given my use case. It is, of course, different for each person.
__________________

__________________
OMG, the Silver Streak is Sold!
2006 SMB EB45ish.
5.4L, QuadVan 4x4
Ready to Rumble!
Glider is offline   Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Powered by vBadvanced CMPS v3.2.3
Disclaimer:

This website is not affiliated with or endorsed by Sportsmobile SIP or any of its affiliates. This is an independent, unofficial site.


All times are GMT -6. The time now is 08:11 AM.


Powered by vBulletin® Version 3.8.8 Beta 4
Copyright ©2000 - 2019, vBulletin Solutions, Inc.