Jeep Insurance question about adding Mods?? - Page 2 - Jeep Wrangler Forum
Jeep Wrangler Forum

Go Back   Jeep Wrangler Forum > WF Local > WF Local Forums for Your Region and State > California Jeep Forum

Join Wrangler Forum Today


Reply
 
Thread Tools

Please support our sponsors and let them know you heard about them on WranglerForum.com
Old 10-18-2013, 06:49 PM   #31
Supporting Member

WF Supporting Member
 
Gunner's Avatar
 
Join Date: Jun 2012
Location: Seal Beach
Posts: 7,055
Well got the quote from our friend and State Farm will cover aftermarket parts at market value if you have the receipts and some pictures to back it up.

Gunner is offline   Quote Quick Reply
Old 10-18-2013, 08:22 PM   #32
Jeeper
 
turdhurdler's Avatar
 
Join Date: Dec 2008
Location: Hemet, CA Hemet is Heaven...
Posts: 7,213
Send a message via AIM to turdhurdler
Quote:
Originally Posted by Lab Lover View Post
We have a great blanket policy thru our business. Mike has some type of life insurance set up along with it, I always tease him that he should be careful since I'm worth more alive than dead and he isn't Our blanket policy is more of a safety net, if anything happens we have the business someone could go after. People are so sue happy it's more for piece of mind.
The sue happy attitude of our society is shameless. Sickens me how so many people feel they deserve something for nothing. Get off your lazy butt and earn it the old fashioned (and honest) way. Ok, off my soapbox.

Jeff

__________________
Mall crawlin' in 4 Lo.
turdhurdler is offline   Quote Quick Reply
Old 10-18-2013, 09:43 PM   #33
Jeeper
 
XJ_Phil's Avatar
 
Join Date: Nov 2012
Location: High Desert - CA
Posts: 969
Quote:
Originally Posted by turdhurdler View Post
The sue happy attitude of our society is shameless. Sickens me how so many people feel they deserve something for nothing. Get off your lazy butt and earn it the old fashioned (and honest) way. Ok, off my soapbox.

Jeff

Tell Larry H. Parker all about it. His firm keeps 1/3 of the proceeds from every frivolous law suit they settle in favor of his client. Believe me, that "something for nothing" attitude has been perpetuated by the likes of him (and a very self serving California Bar Association).
XJ_Phil is offline   Quote Quick Reply
Old 10-19-2013, 12:39 AM   #34
Jeeper
 
Lab Lover's Avatar
 
Join Date: Dec 2011
Location: Nipomo, CA
Posts: 3,857
Quote:
Originally Posted by turdhurdler View Post
The sue happy attitude of our society is shameless. Sickens me how so many people feel they deserve something for nothing. Get off your lazy butt and earn it the old fashioned (and honest) way. Ok, off my soapbox.

Jeff
I agree 100%, I have a couple friends that are lawyers and even they get sickened by some of the people that contact them. One of them only does family law, that's almost as bad.
__________________
What do Jeeps & Margaritas have in common?
Both are better on the rocks.

Life's better with two Jeeps: One for the Mall and one to crawl
Lab Lover is online now   Quote Quick Reply
Old 10-22-2013, 12:08 PM   #35
Supporting Member

WF Supporting Member
 
Gunner's Avatar
 
Join Date: Jun 2012
Location: Seal Beach
Posts: 7,055
WELL I contacted my insurance agent. Mercury and we talked about what I had done to my jeep and what my plans were. I also told him that I was off roading it. Big silence on his end. Today I get a letter in the mail from them telling me they will NOT be covering any mods done to my jeep. Nothing about the off road but I see the writing on the wall there already. So today I am going to do some research.
Gunner is offline   Quote Quick Reply
Old 10-22-2013, 12:43 PM   #36
Supporting Member

WF Supporting Member
 
Gunner's Avatar
 
Join Date: Jun 2012
Location: Seal Beach
Posts: 7,055
OK Auto Club covers mods if you have pictures and receipts. Got a quote coming in.
Gunner is offline   Quote Quick Reply
Old 10-22-2013, 12:45 PM   #37
Jeeper
 
XJ_Phil's Avatar
 
Join Date: Nov 2012
Location: High Desert - CA
Posts: 969
Quote:
Originally Posted by Gunner View Post
WELL I contacted my insurance agent. Mercury and we talked about what I had done to my jeep and what my plans were. I also told him that I was off roading it. Big silence on his end. Today I get a letter in the mail from them telling me they will NOT be covering any mods done to my jeep. Nothing about the off road but I see the writing on the wall there already. So today I am going to do some research.

My Jeep in nowhere near your kind of investment, but I have heard that both Allstate and State Farm are receptive to providing coverage on mods. Worth a call on your part I suppose. Personally, I have always made a point of walking into the local office in order to be face to face with the person that is (or is not) trying to blow smoke where it doesn't belong. They are usually easier to read when they are sitting right in front of you.
XJ_Phil is offline   Quote Quick Reply
Old 10-22-2013, 12:50 PM   #38
Supporting Member

WF Supporting Member
 
Gunner's Avatar
 
Join Date: Jun 2012
Location: Seal Beach
Posts: 7,055
Hi
I already talked and got a quote from State Farm. The also cover the mods. Havent tried allstate.
Gunner is offline   Quote Quick Reply
Old 10-22-2013, 12:55 PM   #39
Supporting Member

WF Supporting Member
 
Slo Mo's Avatar
 
Join Date: Jan 2013
Location: Riverside Ca.
Posts: 747
Gunner

I just called auto club and they have to take the pictures and copies of all receipts. then they will give me let me know the cost
__________________
A Jeep a full tank of fuel and head lights I am good to go.
Slo Mo is offline   Quote Quick Reply
Old 10-22-2013, 01:04 PM   #40
Jeeper
 
DoubleNdown's Avatar
 
Join Date: Sep 2013
Posts: 31
Click image for larger version

Name:	image-2028706324.jpg
Views:	77
Size:	211.8 KB
ID:	453650

I have State Farm, they had no idea about my wheels or stereo gave them the receipts and they gave their value... When I got the jeep told them about the mods I was installing they just said keep receipts and they would be covered also.... On top if that I got market value for the truck and my renters covered all my personal stuff on the inside.. You would be amazed at how much personal stuff you can have on you when going on vacation....
DoubleNdown is offline   Quote Quick Reply
Old 10-22-2013, 01:11 PM   #41
Supporting Member

WF Supporting Member
 
jeepwayoflife's Avatar
 
Join Date: Nov 2011
Location: California/Montana
Posts: 3,164
Quote:
Originally Posted by DoubleNdown View Post

I have State Farm, they had no idea about my wheels or stereo gave them the receipts and they gave their value... When I got the jeep told them about the mods I was installing they just said keep receipts and they would be covered also.... On top if that I got market value for the truck and my renters covered all my personal stuff on the inside.. You would be amazed at how much personal stuff you can have on you when going on vacation....
Wow! That's scary! I'm glad everyone was ok... How did the fire start??
__________________
--------------------------------------------------------
jeepwayoflife is offline   Quote Quick Reply
Old 10-22-2013, 01:24 PM   #42
Jeeper
 
DoubleNdown's Avatar
 
Join Date: Sep 2013
Posts: 31
[QUOTE="jeepwayoflife;5566242"] Wow! That's scary! I'm glad everyone was ok... How did the fire start??[/QUOTE

Never found out.... I know it started right behind the cab.... Someone on the freeway waved me down so I got pretty lucky.... I was sad till I used my insurance check to buy the JK....
DoubleNdown is offline   Quote Quick Reply
Old 10-22-2013, 01:51 PM   #43
Jeeper
 
JeepHerz's Avatar
 
Join Date: Apr 2012
Location: California
Posts: 2,692
Images: 21
Quote:
Originally Posted by Gunner View Post
WELL I contacted my insurance agent. Mercury and we talked about what I had done to my jeep and what my plans were. I also told him that I was off roading it. Big silence on his end. Today I get a letter in the mail from them telling me they will NOT be covering any mods done to my jeep. Nothing about the off road but I see the writing on the wall there already. So today I am going to do some research.
That does not surprise me. I think you and I have the same agent.
I'd "lol" that but no laughing matter....
JeepHerz is offline   Quote Quick Reply
Old 10-22-2013, 03:33 PM   #44
Supporting Member

WF Supporting Member
 
BillG.OTD's Avatar
 
Join Date: Oct 2009
Posts: 2,070
Quote:
Originally Posted by Gunner View Post
Hi
I already talked and got a quote from State Farm. The also cover the mods. Havent tried allstate.
I have Allstate Bob and they do cover it....for a price. We gave them a list of what the upgrades were and they basically doubled the policy.

I think there is something to be said for theft preventative measures that will render the vehicle immovable, even with a flatbed.
BillG.OTD is offline   Quote Quick Reply
Old 10-22-2013, 09:25 PM   #45
Supporting Member

WF Supporting Member
 
Gunner's Avatar
 
Join Date: Jun 2012
Location: Seal Beach
Posts: 7,055
We have only had 1 car theft here in 6 years. But it is outside the compound that worrys me. I am seriously thinking about LOJack I had it on the bike. Never needed it but is was really good for piece of mind.
Gunner is offline   Quote Quick Reply
Old 10-23-2013, 12:46 AM   #46
Jeeper
 
suicideking's Avatar
 
Join Date: Oct 2011
Location: Riverside, CA
Posts: 4,301
Quote:
Originally Posted by Gunner View Post
We have only had 1 car theft here in 6 years. But it is outside the compound that worrys me. I am seriously thinking about LOJack I had it on the bike. Never needed it but is was really good for piece of mind.
Do the police really go after cars with Lojack? I remember reading a thread on here where someone alerted the police about their Jeep that was headed towards the border. The police didn't do anything about it, just let it cross the border.
suicideking is online now   Quote Quick Reply
Old 10-23-2013, 01:26 AM   #47
Supporting Member

WF Supporting Member
 
jeepwayoflife's Avatar
 
Join Date: Nov 2011
Location: California/Montana
Posts: 3,164
Quote:
Originally Posted by suicideking View Post

Do the police really go after cars with Lojack? I remember reading a thread on here where someone alerted the police about their Jeep that was headed towards the border. The police didn't do anything about it, just let it cross the border.
I think I know what you are referring to. If I remember correctly he lived very close to the border and watched the GPS signal on his phone or computer as it passed over the border. It probably wasn't LoJack, but something similar. It was too late to do anything by the time he realized the jeep was gone.
__________________
--------------------------------------------------------
jeepwayoflife is offline   Quote Quick Reply
Old 10-23-2013, 02:52 PM   #48
Jeeper
 
suicideking's Avatar
 
Join Date: Oct 2011
Location: Riverside, CA
Posts: 4,301
Quote:
Originally Posted by jeepwayoflife View Post
I think I know what you are referring to. If I remember correctly he lived very close to the border and watched the GPS signal on his phone or computer as it passed over the border. It probably wasn't LoJack, but something similar. It was too late to do anything by the time he realized the jeep was gone.
Yeah, that sounds familiar. I'd still like to hear about anyone with Lojack that has had a vehicle recovered.

I called my insurance rep. I have State Farm. They confirmed that everything is covered for no extra fees. I just need to keep receipts and current pictures. I feel better now that I called.

suicideking is online now   Quote Quick Reply
Old 10-23-2013, 03:43 PM   #49
Jeeper
 
Lab Lover's Avatar
 
Join Date: Dec 2011
Location: Nipomo, CA
Posts: 3,857
A little off topic, but something I learned after we lost our house to a fire in 2000. Every year when you renew your homeowners insurance you should increase the personal property coverage by 4-10%. The % depends on what you may have purchased over the year.
I'm not talking about the house itself, but the contents. How many of us have upgraded TV's, computers, furniture or appliances from originally getting insurance? Things like new drapes, or blinds or just anything that you keep in your house. After completing inventory sheets on our house we ended up having 30,000 more in contents than we did in coverage. This year I replaced 3 TV's and the entire sound system so I increases my value by that amount.

Just something to think about
__________________
What do Jeeps & Margaritas have in common?
Both are better on the rocks.

Life's better with two Jeeps: One for the Mall and one to crawl
Lab Lover is online now   Quote Quick Reply
Old 10-23-2013, 03:56 PM   #50
Supporting Member

WF Supporting Member
 
Gunner's Avatar
 
Join Date: Jun 2012
Location: Seal Beach
Posts: 7,055
LOL thats about what my upgrades are gonna cost for the Jeep.
Gunner is offline   Quote Quick Reply
Old 10-23-2013, 04:01 PM   #51
Jeeper
 
Lab Lover's Avatar
 
Join Date: Dec 2011
Location: Nipomo, CA
Posts: 3,857
Quote:
Originally Posted by Gunner View Post
LOL thats about what my upgrades are gonna cost for the Jeep.
I hear ya, I'm afraid to total up all the receipts I have with two if them
__________________
What do Jeeps & Margaritas have in common?
Both are better on the rocks.

Life's better with two Jeeps: One for the Mall and one to crawl
Lab Lover is online now   Quote Quick Reply
Old 10-23-2013, 04:07 PM   #52
Supporting Member

WF Supporting Member
 
Gunner's Avatar
 
Join Date: Jun 2012
Location: Seal Beach
Posts: 7,055
But didn't you say you want to add another one. I'm beginning to think your becoming a jeep hoarder.
Gunner is offline   Quote Quick Reply
Old 10-23-2013, 05:20 PM   #53
Jeeper
 
JKTHOMPS's Avatar
 
Join Date: May 2012
Location: NorCal
Posts: 1,273
Images: 1
This is a good questions and it made me think about my coverage, thanks Gunner! I have USAA and I called them to find out what I should do about making sure I was insured adequately and properly. Basically I am covered for any vehicle mods up to $5K. Then over $5K I am screwed. USAA does not have any endorsement that will help out above $5K. So basically I just have to keep my receipts and photos and I am good for up to $5K then I have to find another carrier to help out with coverage/limits… Fortunately, anything that is not attached to the Jeep is covered under my homeowners insurance so all my gear will be fine. I just made a big mistake and tallied up my mods… ugh, $5K did not make it very far L… crap, I will have to look at some stated/scheduled value policies…
JKTHOMPS is offline   Quote Quick Reply
Old 10-23-2013, 05:27 PM   #54
Jeeper
 
JKTHOMPS's Avatar
 
Join Date: May 2012
Location: NorCal
Posts: 1,273
Images: 1
Quote:
Originally Posted by DoubleNdown View Post
Attachment 453650

I have State Farm, they had no idea about my wheels or stereo gave them the receipts and they gave their value... When I got the jeep told them about the mods I was installing they just said keep receipts and they would be covered also.... On top if that I got market value for the truck and my renters covered all my personal stuff on the inside.. You would be amazed at how much personal stuff you can have on you when going on vacation....
Oh man! Glad all was okay!
JKTHOMPS is offline   Quote Quick Reply
Old 10-23-2013, 08:12 PM   #55
Jeeper
 
Lab Lover's Avatar
 
Join Date: Dec 2011
Location: Nipomo, CA
Posts: 3,857
Quote:
Originally Posted by Gunner View Post
But didn't you say you want to add another one. I'm beginning to think your becoming a jeep hoarder.
But when I add a 3rd it will be the Gecko Green Poison Spyder Jeep, I will be winning it and it's already built
Quote:
Originally Posted by JKTHOMPS View Post
This is a good questions and it made me think about my coverage, thanks Gunner! I have USAA and I called them to find out what I should do about making sure I was insured adequately and properly. Basically I am covered for any vehicle mods up to $5K. Then over $5K I am screwed. USAA does not have any endorsement that will help out above $5K. So basically I just have to keep my receipts and photos and I am good for up to $5K then I have to find another carrier to help out with coverage/limits… Fortunately, anything that is not attached to the Jeep is covered under my homeowners insurance so all my gear will be fine. I just made a big mistake and tallied up my mods… ugh, $5K did not make it very far L… crap, I will have to look at some stated/scheduled value policies…
I was going to say that 5k just covers wheels, tires and maybe a bumper & winch. These insurance companies are smart, they NEVER loose money
__________________
What do Jeeps & Margaritas have in common?
Both are better on the rocks.

Life's better with two Jeeps: One for the Mall and one to crawl
Lab Lover is online now   Quote Quick Reply
Old 10-24-2013, 07:16 PM   #56
Jeeper
 
JKTHOMPS's Avatar
 
Join Date: May 2012
Location: NorCal
Posts: 1,273
Images: 1
Quote:
Originally Posted by Lab Lover View Post
But when I add a 3rd it will be the Gecko Green Poison Spyder Jeep, I will be winning it and it's already built :
I like your thinking!
JKTHOMPS is offline   Quote Quick Reply
Old 12-28-2013, 12:25 AM   #57
Newb
 
Join Date: Apr 2013
Posts: 7
Hey guys,

Just bumping up and dusting this one off, any updates on what you all found out for any good companies for mods and additional/supplemental coverage?

Thanks.
SaddleTramp is offline   Quote Quick Reply
Old 12-28-2013, 01:16 AM   #58
Jeeper

WF Supporting Member
 
SAR JEEP's Avatar
 
Join Date: Apr 2013
Location: California
Posts: 447
Quote:
Originally Posted by suicideking View Post

Do the police really go after cars with Lojack? I remember reading a thread on here where someone alerted the police about their Jeep that was headed towards the border. The police didn't do anything about it, just let it cross the border.
Some police cruisers, specially T ( Traffic ) units are equipped with a lo jack reader. It gives a signal, with direction and strength. Bt most Units don't have a Lo Jack reader in. So that's why not all cops always know if a stolen car is in front of them or nit, even the lo jack would have been activated....
SAR JEEP is offline   Quote Quick Reply
Old 12-28-2013, 01:18 AM   #59
Jeeper

WF Supporting Member
 
SAR JEEP's Avatar
 
Join Date: Apr 2013
Location: California
Posts: 447
Quote:
Originally Posted by suicideking View Post

Yeah, that sounds familiar. I'd still like to hear about anyone with Lojack that has had a vehicle recovered.

I called my insurance rep. I have State Farm. They confirmed that everything is covered for no extra fees. I just need to keep receipts and current pictures. I feel better now that I called.

Also: the other thing about lo jack is that it is tied to a vehicles VIN number. So if you sell the car, lo jack stays in . You could nt take t out and out tin your next car. You have to purchase a new unit. Also: t would nit work fits been out in a metal container ( connexion box) - if I remember right.... N star would do the same and also has the abilities of shortly and safely slowing down the vehicle and disabling the getaway of a thief
SAR JEEP is offline   Quote Quick Reply
Old 12-28-2013, 01:39 AM   #60
Jeeper

WF Supporting Member
 
SAR JEEP's Avatar
 
Join Date: Apr 2013
Location: California
Posts: 447
Quote:
Originally Posted by Lab Lover View Post
I just called Geico and asked about adding $15,000 worth of mods to my JKUR. She said it would increase my policy by 79.90 every 6 months. Unfortunately I don't know what my premium is because Mike pays it and I forgot to ask. Also we have 6 cars on it, lol.

She said they do a customization list where you tell them the addition and the cost, they list it and you keep the receipt. It didn't sound like they have a limit and they give military discounts.

It may be worth a call to see what the quote is. I do know they pay quickly on a totaled vehicle. I lost a 6 week old, 2000 Mercury Cougar when our house burned down and all I had to do was fax a copy of the receipt from the dealership. Within a week I had a check in hand and ordered the exact same car again, lol.

When Mike rolled the 95 YJ down the cliff, the adjustor was at the body shop that Monday and by Thursday we had a check for 1,500 more than we paid for the Jeep.

Amanda got in an accident in a car I had over insured not long after her getting her license, they completely repaired the old thing with no problems. I've pretty much gotten my moneys worth from them
The older mercury cougars had problems with the ignition switches starting fires. They was also a women who almost was framed for supposedly setting the car n fire ( her mother had a stroke on t or something) and coincidently the ignition did nt released the keys it started a fire and when the plastic from the steering column dripped on the driver side floorboard they concluded t was the pour pattern of an incinderary liquid. However arson investigation revealed that it was in fact the melting hydrocarbons from the plastic from the steering column making t look like a pour pattern. The women finally redeemed herself. That was such a headache to see something like that happening.


http://truthinjustice.org/sbryan-1.htm

This is the link to the court case....

SAR JEEP is offline   Quote Quick Reply
Reply

Quick Reply
Message:
Options

Register Now

In order to be able to post messages on the Jeep Wrangler Forum forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.
User Name:
If you do not want to register, fill this field only and the name will be used as user name for your post.
Password
Please enter a password for your user account. Note that passwords are case-sensitive.
Password:
Confirm Password:
Email Address
Please enter a valid email address for yourself.
Email Address:

Log-in

Human Verification

In order to verify that you are a human and not a spam bot, please enter the answer into the following box below based on the instructions contained in the graphic.



Thread Tools

Posting Rules
You may post new threads
You may 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




» Featured Product

All times are GMT -5. The time now is 12:27 AM.



Jeep®, Wrangler, Liberty, Wagoneer, Cherokee, and Grand Cherokee are copyrighted and trademarked to Chrysler Motors LLC.
Wranglerforum.com is not in any way associated with the Chrysler Motors LLC