Subject: Re: Insurance
Author: ranjan
Date: Feb 13, 2004, 8:24 AM
Post ID: 1716033480
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You might also talk to your state insurance commission office. They like to know about ripoff companies.
Randy Wilson
SE SoDak
----- Original Message -----
From: Kevin Graf
To: Loopfram-@topica.com
Sent: Friday, February 13, 2004 7:47 AM
Subject: RE: Insurance
Since you asked...
My advice is that when you go out to get that beautifully restored Moto Guzzi insured, be sure to get a policy that comes with a lawyer. As bad as lawyers are, Ins. companies are worse.
I'm still fighting the ins. co., well my lawyer is now. For those that don't know. I crashed my Ambo at VMD in Mid-ohio last July. Yes JULY!
When I got the bike insured, my State Farm agent asked me to get an appraisal. I did, even went to the place they suggested. This is pretty funny, since the claims agent says the appraisal doesn't matter since MI does not have any sort of clause for vintage/classic m/cs. Cars, yes, bikes, no.
The appraised value on the bike was not outrageous, I got stuck with the "new girl" that has something to prove. So far, I have got very few questions answered, like, what the hell was my premium based on?? Just the runaround, Why? cause they can't answer it without incriminating themselves, so I get the runaround. The have offered me 1/2 the appraised value based on their market value research, which of course is all on the low end. Pretty funny that they can market research this when they don't even know what the hell a Moto Guzzi is! Ah crap, same ol story, if it don't say H-D nobody in the general public knows what your talking about. All the times we think it's sort of cool when folks pull up and ask what it is we're riding and "I didn't know they still made those"
All that comes to bite you in the ass when it comes to an insurance co paying you.They're thieves, worse yet robot thieves, that refuse to try to understand, put on the blinders if what you show them is not in their interest, even if it is correct. Oh! and you are guilty party until proven otherwise.
No matter what, get an appraisal, take photos, even though the claims agent is saying it's worthless, I know otherwise. Without it I wouldn't have a leg to stand on.
And above all, don't trust them! and don't just roll over if anything happens. They are not your friends, just want as much money from you they can get without giving you a thing/or the least amount possible.
There are companies out there for the sole purpose of insuring vintage/classic vehicles. They usually have limits on how many miles can be put on the bike per year. How they actually know? I have no clue. Check them out first. I will be looking into these companies myself for the motorcycles.
Right now I'm just waiting, gathering info for the lawyer as he needs it. He thinks it's odd they are putting up such a fight over this. Usually they just pay it out without much esp. since my claim is just a drop in the bucket. Like I said, I got the new girl that has to rationalize a paycheck.
There is a special place in hell for these folks that makes where Im probably going look like Disney Land.
Kev
-----Original Message-----
From: IndyDi-@aol.com [mailto:IndyDi-@aol.com]
Sent: Thursday, February 12, 2004 4:06 PM
To: Loopfram-@topica.com
Subject: Re: Insurance
Yea, come on Kevin...we need an update from your Very Miserable Destruction (VMD) insurance tale!
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<DIV><FONT face=Arial size=2>You might also talk to your state insurance
commission office. They like to know about ripoff companies.</FONT></DIV>
<DIV><FONT face=Arial size=2></FONT> </DIV>
<DIV><FONT face=Arial size=2>Randy Wilson</FONT></DIV>
<DIV><FONT face=Arial size=2>SE SoDak</FONT></DIV>
<BLOCKQUOTE dir=ltr
style="PADDING-RIGHT: 0px; PADDING-LEFT: 5px; MARGIN-LEFT: 5px; BORDER-LEFT: #000000 2px solid; MARGIN-RIGHT: 0px">
<DIV style="FONT: 10pt arial">----- Original Message ----- </DIV>
<DIV
style="BACKGROUND: #e4e4e4; FONT: 10pt arial; font-color: black"><B>From:</B>
<A title=-@midwestpension.com href="mailto:kgr-@midwestpension.com">Kevin
Graf</A> </DIV>
<DIV style="FONT: 10pt arial"><B>To:</B> <A title=Loopf-@topica.com
href="mailto:Loopfram-@topica.com">Loopfram-@topica.com</A> </DIV>
<DIV style="FONT: 10pt arial"><B>Sent:</B> Friday, February 13, 2004 7:47
AM</DIV>
<DIV style="FONT: 10pt arial"><B>Subject:</B> RE: Insurance</DIV>
<DIV><BR></DIV>
<DIV><SPAN class=410310113-13022004><FONT face=Arial color=#0000ff
size=2>Since you asked...</FONT></SPAN></DIV>
<DIV><SPAN class=410310113-13022004><FONT face=Arial color=#0000ff size=2>My
advice is that when you go out to get that beautifully restored Moto Guzzi
insured, be sure to get a policy that comes with a lawyer. As bad as lawyers
are, Ins. companies are worse.</FONT></SPAN></DIV>
<DIV><SPAN class=410310113-13022004><FONT face=Arial color=#0000ff
size=2></FONT></SPAN> </DIV>
<DIV><SPAN class=410310113-13022004><FONT face=Arial color=#0000ff size=2>I'm
still fighting the ins. co., well my lawyer is now. For those that don't know.
I crashed my Ambo at VMD in Mid-ohio last July. Yes
JULY! </FONT></SPAN></DIV>
<DIV><SPAN class=410310113-13022004><FONT face=Arial color=#0000ff size=2>When
I got the bike insured, my State Farm agent asked me to get an appraisal. I
did, even went to the place they suggested. This is pretty funny, since the
claims agent says the appraisal doesn't matter since MI does not have any sort
of clause for vintage/classic m/cs. Cars, yes, bikes, no.</FONT></SPAN></DIV>
<DIV><SPAN class=410310113-13022004><FONT face=Arial color=#0000ff size=2>The
appraised value on the bike was not outrageous, I got stuck with the "new
girl" that has something to prove. So far, I have got very few questions
answered, like, what the hell was my premium based on?? Just the runaround,
Why? cause they can't answer it without incriminating themselves, so I get the
runaround. The have offered me 1/2 the appraised value based on their market
value research, which of course is all on the low end. Pretty funny that they
can market research this when they don't even know what the hell a Moto Guzzi
is! Ah crap, same ol story, if it don't say H-D nobody in the general public
knows what your talking about. All the times we think it's sort of cool
when folks pull up and ask what it is we're riding and "I didn't know they
still made those" </FONT></SPAN></DIV>
<DIV><FONT face=Tahoma><FONT size=2><SPAN class=410310113-13022004><FONT
face=Arial color=#0000ff>All that comes to bite you in the ass when it comes
to an insurance co paying you.They're thieves, worse yet robot thieves,
that refuse to try to understand, put on the blinders if what you
show them is not in their interest, even if it is correct. Oh! and you
are guilty party until proven otherwise.</FONT></SPAN></FONT></FONT></DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004>No matter what, get an appraisal, take photos, even
though the claims agent is saying it's worthless, I know otherwise. Without it
I wouldn't have a leg to stand on. </SPAN></FONT></FONT></DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004>And above all, don't trust them! and don't just roll
over if anything happens. They are not your friends, just want as much money
from you they can get without giving you a thing/or the least amount
possible.</SPAN></FONT></FONT></DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004>There are companies out there for the sole purpose of
insuring vintage/classic vehicles. They usually have limits on how many miles
can be put on the bike per year. How they actually know? I have no clue. Check
them out first. I will be looking into these companies myself for the
motorcycles.</SPAN></FONT></FONT></DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004>Right now I'm just waiting, gathering info for the
lawyer as he needs it. He thinks it's odd they are putting up such a fight
over this. Usually they just pay it out without much esp. since my claim is
just a drop in the bucket. Like I said, I got the new girl that has to
rationalize a paycheck.</SPAN></FONT></FONT></DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004>There is a special place in hell for these folks that
makes where Im probably going look like Disney
Land.</SPAN></FONT></FONT></DIV>
<DIV><FONT face=Tahoma><FONT face=Arial color=#0000ff size=2><SPAN
class=410310113-13022004>Kev</SPAN></FONT></FONT></DIV>
<DIV><FONT face=Tahoma><FONT size=2><SPAN
class=410310113-13022004></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=Tahoma><FONT size=2><SPAN
class=410310113-13022004></SPAN></FONT></FONT> </DIV>
<DIV><FONT face=Tahoma><FONT size=2><SPAN
class=410310113-13022004> </SPAN>-----Original
Message-----<BR><B>From:</B> IndyDi-@aol.com
[mailto:IndyDi-@aol.com]<BR><B>Sent:</B> Thursday, February 12, 2004 4:06
PM<BR><B>To:</B> Loopfram-@topica.com<BR><B>Subject:</B> Re:
Insurance<BR><BR></DIV></FONT></FONT>
<BLOCKQUOTE dir=ltr style="MARGIN-RIGHT: 0px"><FONT
face=arial,helvetica><FONT size=2 PTSIZE="10">Yea, come on Kevin...we need
an update from your Very Miserable Destruction (VMD) insurance tale!
</FONT></BLOCKQUOTE></FONT></BLOCKQUOTE></BODY></HTML>
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