[DeTomaso] Insurance Coverage Limits

Forest Goodhart forestg at att.net
Thu Apr 30 14:59:02 EDT 2015


In California the mileage per year has a big affect on premium costs.
      From: Jordan Klein <ohjordan at hotmail.com>
 To: detomaso at poca.com 
 Sent: Thursday, April 30, 2015 11:47 AM
 Subject: Re: [DeTomaso] Insurance Coverage Limits
   
  Wow,
  I'd like to know more how one obtains a Hagerty $85k guaranteed value
  California policy for $320/year?
  I've been w Hagerty for 15+ years, 45 years driving experiance, no
  claims, no tickets, just got my renewal notice for a $50k agreed value
  100/300k California policy for $610.  My car is a low mileage
  original, Calif. garage stored, & hasn't gone 1000 miles in the last 10
  years.
  When I hear others are getting more insurance for ~ half and we live
  <100 miles apart; I feel like I'm getting screwed & Hagerty just makes
  up premiums to whatever they think the "market will bear".
  Now I think I need to go insurance shopping!
  Jordan 7314
  From: terry.himes at jpl.nasa.gov
  To: MikeLDrew at aol.com; detomaso at poca.com
  Date: Thu, 30 Apr 2015 17:39:22 +0000
  Subject: Re: [DeTomaso] Insurance Coverage Limits
I agree.  I am paying Haggerty $320. a year for $85k value.  A good deal to pr
otect the
value of the car.  Besides, Ins Co's pay big $money$ to lobby state legislatures
 to require
liability insurance in almost every state.  So, in California, you must carry s
ome insurance
to register your vehicle.  Even if you are a 1%'er.  ;-)




"Sometimes I think the surest signs that intelligent life
  exists elsewhere in the universe is that none of it has tried
  to contact us!"

Terry W. Himes [cid:50258F42-0C4B-44EC-AC91-78B9D5FE75B1]
JPL Jet Propulsion Laboratory
InSight Sequence Team Lead
Rosetta/MEX Sequence Team Lead
Phone: (818) 393-6261
Cell:    (818) 653-8213
Fax:    (818) 393-3147
thimes at jpl.nasa.gov<mailto:thimes at jpl.nasa.gov>
&#x1f1fa;&#x1f1f8;

From: Mike Drew via DeTomaso <detomaso at poca.com<mailto:detomaso at poca.com>>
Reply-To: "MikeLDrew at aol.com<mailto:MikeLDrew at aol.com>" <MikeLDrew at aol.com<mailt
o:MikeLDrew at aol.com>>
Date: Thursday, April 30, 2015 10:22 AM
To: "detomaso at poca.com<mailto:detomaso at poca.com>" <detomaso at poca.com<mailto:deto
maso at poca.com>>
Subject: Re: [DeTomaso] Insurance Coverage Limits

All,

Another thought--one long-term risk of under-insuring your car is that the
threshold for it being considered a total loss is that much lower.  For
instance, if you only have your Pantera insured for $25K, even a minor
fender-bender that is easily repaired could cause the insurance company to total
 the
car out.  You always have the option of buying the wreck and then using
the money to fix it, but then the car is forever tainted with a salvage title.

Mike (calling today to raise his limits--it's been more than a year and
values have once again outdistanced my coverage....)

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-------------- next part --------------
   In California the mileage per year has a big affect on premium costs.
     __________________________________________________________________

   From: Jordan Klein <ohjordan at hotmail.com>
   To: detomaso at poca.com
   Sent: Thursday, April 30, 2015 11:47 AM
   Subject: Re: [DeTomaso] Insurance Coverage Limits
     Wow,
     I'd like to know more how one obtains a Hagerty $85k guaranteed value
     California policy for $320/year?
     I've been w Hagerty for 15+ years, 45 years driving experiance, no
     claims, no tickets, just got my renewal notice for a $50k agreed
   value
     100/300k California policy for $610.  My car is a low mileage
     original, Calif. garage stored, & hasn't gone 1000 miles in the last
   10
     years.
     When I hear others are getting more insurance for ~ half and we live
     <100 miles apart; I feel like I'm getting screwed & Hagerty just
   makes
     up premiums to whatever they think the "market will bear".
     Now I think I need to go insurance shopping!
     Jordan 7314
     From: [1]terry.himes at jpl.nasa.gov
     To: [2]MikeLDrew at aol.com; [3]detomaso at poca.com
     Date: Thu, 30 Apr 2015 17:39:22 +0000
     Subject: Re: [DeTomaso] Insurance Coverage Limits
   I agree.  I am paying Haggerty $320. a year for $85k value.  A good
   deal to pr
   otect the
   value of the car.  Besides, Ins Co's pay big $money$ to lobby state
   legislatures
   to require
   liability insurance in almost every state.  So, in California, you must
   carry s
   ome insurance
   to register your vehicle.  Even if you are a 1%'er.  ;-)
   "Sometimes I think the surest signs that intelligent life
     exists elsewhere in the universe is that none of it has tried
     to contact us!"
   Terry W. Himes [cid:50258F42-0C4B-44EC-AC91-78B9D5FE75B1]
   JPL Jet Propulsion Laboratory
   InSight Sequence Team Lead
   Rosetta/MEX Sequence Team Lead
   Phone: (818) 393-6261
   Cell:    (818) 653-8213
   Fax:    (818) 393-3147
   [4]thimes at jpl.nasa.gov<mailto:[5]thimes at jpl.nasa.gov>
   &#x1f1fa;&#x1f1f8;
   From: Mike Drew via DeTomaso
   <[6]detomaso at poca.com<mailto:[7]detomaso at poca.com>>
   Reply-To: "[8]MikeLDrew at aol.com<mailto:[9]MikeLDrew at aol.com>"
   <[10]MikeLDrew at aol.com<mailt
   o:[11]MikeLDrew at aol.com>>
   Date: Thursday, April 30, 2015 10:22 AM
   To: "[12]detomaso at poca.com<mailto:[13]detomaso at poca.com>"
   <[14]detomaso at poca.com<mailto:deto
   [15]maso at poca.com>>
   Subject: Re: [DeTomaso] Insurance Coverage Limits
   All,
   Another thought--one long-term risk of under-insuring your car is that
   the
   threshold for it being considered a total loss is that much lower.  For
   instance, if you only have your Pantera insured for $25K, even a minor
   fender-bender that is easily repaired could cause the insurance company
   to total
   the
   car out.  You always have the option of buying the wreck and then using
   the money to fix it, but then the car is forever tainted with a salvage
   title.
   Mike (calling today to raise his limits--it's been more than a year and
   values have once again outdistanced my coverage....)
     _______________________________________________ Detomaso Forum
   Managed
     by POCA Posted emails must not exceed 1.5 Megabytes DeTomaso mailing
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     above.
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References

   1. mailto:terry.himes at jpl.nasa.gov
   2. mailto:MikeLDrew at aol.com
   3. mailto:detomaso at poca.com
   4. mailto:thimes at jpl.nasa.gov
   5. mailto:thimes at jpl.nasa.gov
   6. mailto:detomaso at poca.com
   7. mailto:detomaso at poca.com
   8. mailto:MikeLDrew at aol.com
   9. mailto:MikeLDrew at aol.com
  10. mailto:MikeLDrew at aol.com
  11. mailto:MikeLDrew at aol.com
  12. mailto:detomaso at poca.com
  13. mailto:detomaso at poca.com
  14. mailto:detomaso at poca.com
  15. mailto:maso at poca.com
  16. mailto:DeTomaso at poca.com
  17. http://poca.com/mailman/listinfo/detomaso_poca.com
  18. mailto:DeTomaso at poca.com
  19. http://poca.com/mailman/listinfo/detomaso_poca.com


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