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Topic Review (Newest First)
03-13-2013 07:39 PM
BlueRidgeYJ
Quote:
Originally Posted by 2ligit View Post
...
For the gentleman who has a problem with GEICO. I do not know what they do in W Virginia, but that garbage does not fly in Texas.No going to the lowest bidder,an estimate I write at one shop is the same as what I would write at another. Adjusters are suppose to make you whole while making sure the shop is not taking advantage. It is tough when you have so many shops trying to save deductibles for the customer because all the "fluff" has been taken out of the estimate. You really can not blame the shop, he is trying to get as much as he can because he is there to make money not please the insurance company. Sometimes it gets out of hand and that is where I step in to negotiate a settlement.

I have been doing this over 14 years and in those years,I have NEVER been told to low ball an estimate. My integrity is not for sale for any job. The first time I even get a hint of something like that,I am out the door.

I know you might have had a bad experience but in every company you have your 'BEAUTIES" that do not know their arse from their elbow.

Sorry to go off track but that hit a nerve
Neither do I... my customer experience was in Virginia, where the adjuster had an office inside the bodyshop I was told to go to. He pro-rated items at an astounding rate, like 15-25% of new price. (Good luck finding a warn winch for 250$, for a Jeep example)

Several years later, as a tool representative just north of Atlanta, another bodyshop housed an office for their adjuster. While handling my business, I personally witnessed the adjuster walk up to a group of techs returning from lunch and bid the job as I described. It was not, and at least there is not, by any means, rare. I don't blame the shop at all; in neither instance were they invovled with the shenanigans. Fwiw, I do not know of any other shops that housed adjuster offices, and visited about 10 bodyshops weekly. So obviously I never saw any other company act in similar fashion - they all may, idk. Just giving my experiences.

Sorry to piss in your cornflakes, but that's the bottom line: I have had multiple experiences in multiple states with geico. Not only were they far from the cheapest carrier, they also failed to help me either time they should have (also had a blowout experience, high and dry). I also witnessed, first hand, their "fluff" saving measures, and would not have wanted it to be my Jeep. So I would pay WAY less for a do-nothing (liability), or pay the same or a little more for actual insurance from a reputable company (comprehensive), but would avoid geico like they had a skimask on. Cause if they ain't gonna pay, go super cheap and know it up front.

My advice and .50$ will get ya a cup of coffee, sorry if it riles ya up. Caveat Emptor, no harm intended.

In all seriousness, kudos to you for your integrity. I left that tool company (one of the BIG US made companies) when chinese products and BS advertising came in my stockorder. I will not support the corporate swindling of fellow citizens, either.

Cheers.
03-13-2013 07:10 PM
2ligit it actually depends on the circumstances whether it is covered or not. I am an adjuster in Texas and we have ph's that drive there pickups into fences or down small cliffs and total out there vehicles all the time. They are covered and it is not a marked road. The insurance company will not cover it if it is a competition,race or such. Now that in itself is a gray area.....is a jeep meet a competition or just a meet. Did you have to register or are there prizes for completing trails or whatever. If it not a said competition, it would be up to the adjuster to decide the "gray area". Now God help you on that. If the adjuster knows what he is doing, he is going to tell the insurance company to pay it. If it is one of those " i cannot decide so deny" types, that's where you have your problems. Best case is to go above him or her to there sup to decide.
On the aftermarket parts(winches,bumpers,wheels)always keep the invoices even if you have a endorsement on your policy. There will be betterment on those parts if they are damaged and the vehicle is a total depending on how long they have been on the vehicle. i usually give the person the option to take any undamaged parts off themselves because the insurance will not pay dollar for dollar. If it is damaged in the wreck and the vehicle is repairable,no betterment.Dollar for dollar.

For the gentleman who has a problem with GEICO. I do not know what they do in W Virginia, but that garbage does not fly in Texas.No going to the lowest bidder,an estimate I write at one shop is the same as what I would write at another. Adjusters are suppose to make you whole while making sure the shop is not taking advantage. It is tough when you have so many shops trying to save deductibles for the customer because all the "fluff" has been taken out of the estimate. You really can not blame the shop, he is trying to get as much as he can because he is there to make money not please the insurance company. Sometimes it gets out of hand and that is where I step in to negotiate a settlement.

I have been doing this over 14 years and in those years,I have NEVER been told to low ball an estimate. My integrity is not for sale for any job. The first time I even get a hint of something like that,I am out the door.

I know you might have had a bad experience but in every company you have your 'BEAUTIES" that do not know their arse from their elbow.

Sorry to go off track but that hit a nerve
03-13-2013 03:44 PM
Bu11et
Quote:
Originally Posted by jokerchief462 View Post
Bu11et this sounds like a great discussion to have with a knowledgeable agent at a Jeep club meeting. When I got a new F-150 I had to take a rider to cover the extras in the truck and I was to choose the dollar amount they would cover, never heard that before but it was explained. And when some thing is damaged like a topper unless it was specifically on the policy it is MOT covered so I would assume that would cover the value of Jeep mods from the stock.
That is the way most companies do it. You give the dollar amount you want covered & they insure it. Now it's not as simple as that, I would keep every receipt for everything you add on. If you have $10000 in additional equipment they aren't just going to write you a 10 grand check for the parts. You are still going to have to prove that you paid what your claiming or the company will want proof when the rider is added. Also make sure it is a correct rider. If you have $2000 in stereo equipment that might not be covered under additional equipment, that may require a specific rider. If anything your agent tells you sounds fishy get it in writing. That way if there is an issue the agents E&Os insurance will have to pay.
03-13-2013 03:25 PM
KaiserJeep Be aware that no insurance policy covers damage to a Jeep that occurs when it is not on an actual road - even a Forest Service fire road is covered, as long as it has a number, is on a map, and you file an accident report.

I know, I know, people lie about this all the time, and file false reports all the time. But in truth, you take the risk of damage offroad, and honest people pay for trail damage without insurance claims.
03-13-2013 02:06 PM
jokerchief462 Bu11et this sounds like a great discussion to have with a knowledgeable agent at a Jeep club meeting. When I got a new F-150 I had to take a rider to cover the extras in the truck and I was to choose the dollar amount they would cover, never heard that before but it was explained. And when some thing is damaged like a topper unless it was specifically on the policy it is MOT covered so I would assume that would cover the value of Jeep mods from the stock.
03-13-2013 01:37 PM
Bu11et
Quote:
Originally Posted by cyclone88 View Post
Who do you have? I called my agent (State Farm) and they said just keep a record of prices/items with some pictures, and they'll take care of it if/when something should happen. I don't have any additional coverage specific to after market items though.
Get that in writing.
03-13-2013 01:36 PM
Bu11et You need to be EXTREMELY careful when switching companies. Especially if your going to some crap place like The General. There is a reason those places have such cheap prices, ya you love how cheap it is, wait till you have a claim with them. There is a lot of variables when dealing with insurance, make sure you understand what your covered for. Those commercials claiming they can cover you for a dollar a day, ya I can do that to I'll just drop all your coverages to state mins & raise deductibles. There is a lot of new agents out there that will tell you whatever you want to hear just so they can make there numbers. The agent that told his client to just keep records of his mods & they will be covered, I would get that in writing if I were you that's not the way insurance works. If your worried about liability lawsuits look into an Umbrella policy. I am a Licensed Agent I am not claiming to know everything but if anyone has questions I am glad to help.
03-13-2013 09:04 AM
bbtj If you are worried about it, make sure that the other driver is the one that hooks up the winch. If you are not comfortable with where he placed it, tell him. You could also carry around some liability waivers.
03-12-2013 10:29 PM
Godric I had no idea about upgrades not being covered and I would hate to go back to stock. Thanks for the info!
03-12-2013 07:32 PM
dotey1 we switched from geico to state farm and our rates went down by quite a bit, then we moved from the country to the city and still had better pricing with state farm and we checked it out thinking that our rates would go up
03-12-2013 06:03 PM
Gbobva Thanks for the information. I will look into other carriers, but have never had a bad experience with several claims.
03-12-2013 03:42 PM
BlueRidgeYJ Be careful with Government Employee Insurance COmapany if you aren't one. And if you are, you have better options anyway.

I saw the way their adjusters bid work in bodyshops. Lowest bidder puts it mildly. I saw guys "auction" jobs to the lowest bidder, amigos starting for a 35hr job at 25, settling on 14. Less than half what the book calls for - think they're fixing it 35hrs worth? If your boss paid you 14hrs for every 35 worked, how good would your performance be?

I also was a Geico customer. After my car was broken into, having upped my coverage from a previous robbery experience with another company in which I lost about 3500$ in non-covered stereo equipment, I was told my 400$ 1 year old HU was worth about 50$ and the bezels broken could be junkyard sourced for 40$, etc, etc. After all the damage was added up, 489$ on a 500$ deductable.

Geico will steal your money and leave you high and dry. Go cheap? Elephant is awesome, I pay less for 6 months than I did monthly with geico. General is another get what you pay for cheapy.

Want coverage? State Farm and AllState cut checks. I know Progressive used to be very easy, too. Of course, you pay for it with them.
03-12-2013 10:10 AM
cmaggi2 Well I'd pay about .$1.30 according to your prices. Worth it to me! I just switched to GEICO myself.
03-12-2013 10:01 AM
Gbobva It wont cover normal wear and tear on the tires, but if the Jeep is totaled, the cost of them (no small thing) will be included in the replacement value.

You can get road hazard coverage for direct tire damage

Disclaimer: I am not an insurance agent, but I have slept in a Holiday Inn Express in the last 30 days...
03-12-2013 09:55 AM
cmaggi2 Thanks for the heads up. I don't have a winch or bumpers yet, but will the rider cover tires? That's my most expensive addition, but I already have road hazard.
03-12-2013 09:44 AM
Gbobva GEICO. I had a specific rider added that itemizes each component and what I paid for it. It specifies replacement of part or comparable replacement value. BTW: This wasnt something foreign to them. They said they do this all the time.

It cost me about $10 a month for nearly $10,000 of coverage. I just wanted to make sure that if some jerk hits me and totals my ride, I am not forced to go back to stock.
03-12-2013 09:25 AM
cyclone88 Who do you have? I called my agent (State Farm) and they said just keep a record of prices/items with some pictures, and they'll take care of it if/when something should happen. I don't have any additional coverage specific to after market items though.
03-12-2013 09:22 AM
Gbobva
Insurance Liability on the Trail

Did a search on this topic, nothing came up.

I have a JKUR that is my daily driver, but I do take it off road a bit. I have added a rider to my insurance policy to cover all the after market stuff (suspension, wheels, tires, bumper, winch).

NOTE: EVERYBODY should call their insurance agents to cover after market stuff. It is really cheap, and in the event of an accident or loss the after market stuff will be replace, otherwise it is back to factory

This leads me to my question however. My agent mentioned that if my winch is damaged or destroyed while recovering myself or someone else, they will have it repaired or replaced. This is way cool. While discussing this, it was pointed out that any damage that may occur to the other vehicle while winching is NOT covered, and that I can be held personally responsible for damage to the other vehicle.

I know all jeepers are cool and would never do something like this , but I also wheel with non-jeeps as well.

I was curious how other people handle this risk. I dont want to leave anyone stranded, but I dont want to have to pay for a replacement bumper because someone didn't install their stubby correctly...

Thoughts?

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