Definition of "errands" for restricted insurance policy?

[Don]

A number of variables to be considered when comparing insurance costs, such as :

* Amount of Agreed Value or ?
* Unlimited mileage or specific annual mileage not to be exceeded
* UnInsured/UnderInsured Motorist
* Multi-car discount
* Age of drivers, under/over
* Bodily Injury Liability
* Personal Injury
* Comprehensive
* Deductible amount
* Specific use restrictions and allowed usage
* State vehicle is garaged/registered in w/zip code
* Other ?

Another Thread on insurance:

Insurance

[jhv48]

Originally Posted by Don

A number of variables to be considered when comparing insurance costs, such as :

* Amount of Agreed Value or ?
* Unlimited mileage or specific annual mileage not to be exceeded
* UnInsured/UnderInsured Motorist
* Multi-car discount
* Age of drivers, under/over
* Bodily Injury Liability
* Personal Injury
* Comprehensive
* Deductible amount
* Specific use restrictions and allowed usage
* State vehicle is garaged/registered in w/zip code
* Other ?

Another Thread on insurance:

Insurance

You missed the most important thing:

Customer satisfaction with claims handling.

These figures are available from your State's D.O.I. web site.

All insurance companies claim to be the lowest priced and have the best customer service. They will also be happy to take your premiums. However, I want the guy who will stand behind me if I screw up major league. That's why I am with State Farm.

They are rarely the cheapest, but they are the company I want behind me if I really need it!

[BEH]

I don't understand how you guys are getting insurance for approx. $700.00/year on $50,000.00+ Cobras
I am 62 years old, clean record and it costs me $560.00/6 months for insurance on my 2006 6 cylinder Mustang in Florida.
Limit to 5000 miles/year.
I can live with the mileage as I am in Florida seasonally and only State Farm reconized my Canadian driving record.
All others rated me as a new driver.

[jhv48]

I also have my home, rental property, life insurance, long term care insurance, four vehicles, office insurance, etc. with them, thus I get lots of discounts.

Just a single policy for one car would probably cost what you are currently paying for the Mustang.

If you've got more than one insurance policy, try and keep them with the one company that gives you discounts for multiple policies.

[Ronbo]

I don't understand how you guys are getting insurance for approx. $700.00/year on $50,000.00+ Cobras
I am 62 years old, clean record and it costs me $560.00/6 months for insurance on my 2006 6 cylinder Mustang in Florida.
Limit to 5000 miles/year.
I can live with the mileage as I am in Florida seasonally and only State Farm reconized my Canadian driving record.
All others rated me as a new driver.

You said the magic word "Florida" you pay extra for no fault.

No fault means no matter who caused the accident your insurance pays your vehicle's occupents medical costs. So in effect your punished for crappy drivers. (like un-insured coverage)

Not to metion being from Ohio, people down here drive a lot worse. Somehow in Florida there's a common belief that a yellow light means at least eight more cars can go, there's no difference between yellow and red yield signs, right on red has right of way, a flashing "don't walk" means the pedestrian is fair game (this one's also true in NYC), you may hold up a lane because you changed your mind about turning, and of course the center lane is a handy acceleration ramp.

My insurance doubled when I moved here, when I asked the agent he said "how do people drive here compaired to where your from?".

But I do like driving 15mph over the speed limit, 5mph was asking for it in Ohio...

[fsstnotch]

Originally Posted by BEH

I don't understand how you guys are getting insurance for approx. $700.00/year on $50,000.00+ Cobras
I am 62 years old, clean record and it costs me $560.00/6 months for insurance on my 2006 6 cylinder Mustang in Florida.
Limit to 5000 miles/year.
I can live with the mileage as I am in Florida seasonally and only State Farm reconized my Canadian driving record.
All others rated me as a new driver.

The replica and the mustang are really apples and oranges. A new mustang is too "daily driver esk" even if you aren't using it as a daily.

I pay less than you for 6 months on 3 vehicles, 2 of which have full coverage 2003 or newer. I'm 25, my wife 22. Neither of us have a single moving violation (recorded, always fight a ticket!!) and both of our houses are also insured through the same carrier as well as my ATV's for theft.

I have USAA now, but had state farm before the change in 2004. State farm was great! I accidentally broke the back window out of my car and had it fixed the very next day and didn't have to pay a dime. I was very satisfied!!

[Don]

jhv48:

Good point, in a similar manner, the ability and concern of the agent to represent the policy holder with the insurance company, especially if there are any grey areas.

[jwd]

I think the "use" definition is a bunch of B.S. If you are paying for limited milage, say 2000 miles", what difference does it make if those miles are accumulated going to the store or a car show. Miles are miles. Also, remember who your agent works for. Not you, that's for sure. Their job is to pay out as little of the company's money as possible.

Jim

[jhv48]

Originally Posted by jwd

I think the "use" definition is a bunch of B.S. If you are paying for limited milage, say 2000 miles", what difference does it make if those miles are accumulated going to the store or a car show. Miles are miles. Also, remember who your agent works for. Not you, that's for sure. Their job is to pay out as little of the company's money as possible.

Jim

Incorrect, the agent is responsible only for selling you the correct policy and coverage.

The claim's adjustor is the guy that handles and pays your claim.

Not the same person.

[shark]

I have a Blacks law dictionary at the office but I'm almost sure "errand" is not defined --- so the normal usage would prevail - and as they say in my business "if it's gray you pay" -- Sharkey - First Choice Claims Service Inc.

er·rand (rnd)
n.
1.
a. A short trip taken to perform a specified task, usually for another.
b. The purpose or object of such a trip: Your errand was to mail the letter.
2. Archaic
a. A mission; an embassy.
b. An oral message that has been entrusted to one

–noun 1. a short and quick trip to accomplish a specific purpose, as to buy something, deliver a package, or convey a message, often for someone else.
2. the purpose of such a trip: He finished his errands.
3. a special mission or function entrusted to a messenger; commission.


--------------------------------------------------------------------------------

[Origin: bef. 900; ME erande, OE ærende; c. OHG āruntī; cf. OE ār messenger, Goth airus]


—Synonyms 1, 2. mission, task, assignment, chore.

[Midwest Classic]

My friend at Northeast Insurance did a great job of explaining how we consider errands. One thing you guys have been wanting is the ability to drive your collector car to work and as of May 1st we are going to have that available in some States with other States to follow. If you are interested in finding out more about this send me an email and I will let you know if we can help you. Lot of great things are going on in the Collector Car Insurance field and we are glad to be on the cutting edge of it.

Robbin Terry
Midwest Classic Insurnace
1-888-271-4000
www.midwestclassicinsurance.com
www.cobrareplicainsurance.com

[jwd]

Originally Posted by jhv48

Incorrect, the agent is responsible only for selling you the correct policy and coverage.

The claim's adjustor is the guy that handles and pays your claim.

Not the same person.

Not all insurance companies have adjusters in all areas. I've had to take estimates to the agent for approval.

Jim.