yup. I use a broker too. well, usually his assistant, but ...
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yup. I use a broker too. well, usually his assistant, but ...
BECAUSE RACECAR
Be prudent, I may know a person that is with a major well known ins company, and going through a claim, and they have gone over everything with a fine tooth comb looking for ways to get out of paying anything. They start with making sure your policies are paid on time and not delinquent(ever). Then whether the vehicle is exactly as described using a third party professional appraiser (they look for modifications, condition of tires, fluids, etc). They do their best to limit their liability, and they don't care if you are a 30 yr client with no prior claims and are all in with them as far as insurance policies go (house, cars, life, liability policies).
You say that you don't work, but for those that do, remember to up your salary replacement to what you are actually making (it's only about 50- 100 extra for the year) or you'll be lucky to see 400 a week for salary replacement if you are able to claim it and prove that you are qualified for it. They will nickel and dime every thing you try to claim (it doesn't met our criteria, we have a minimum, we have a maximum, there is no code for this, etc...), then only pay you about 50 cents on the dollar for what you do get by them. They will constantly stall, refuse benefits regularly, make you submit them through a professional numerous times (Dr's hate you for this and will refuse you if they can), then have you meet with their specialists. Physiatrists, Physiologists, Psychiatrists, Orthopedic Surgeons, Occupational therapists, Rehabilitation therapists, etc....) they will spend over 100,000 on not paying you up to your 5,000 or 50,0000 (they get to decide and also make up the criteria for these maximums). And this is your insurer, not the one from the person that caused the injuries. In no fault Ontario, it is your insurer that gets to screw you. And they will anyway they can, they will wear you down until you are ready to give up. Their pockets are deep from pillaging their insured clients. And they always pay last when/if they do and again rarely 100% of whatever is the amount you paid (they have guidelines that they have created for themselves). OHIP first, work insurance and benefits next, then when all other avenues are exhausted you get to deal with the magic that is Ontario Car insurance. Doesn't matter if you use a broker or not. You need a good lawyer to help guide you through how to proceed or your insurance will deny, deny, deny!
Whatever you say they will find a way to use it against you. Phone you up, ask how you are, "I'm ok I guess", they will log that as Mr or Mrs so and so was ok on this date.
I am living this dream at the moment, so sorry if I sound a bit bitter, but it's challenging to raise a family while you're trying to get better after an MVA (the other party pleaded guilty in court to careless driving and is with another insurer). I'm fit from just jumping through hurdles, dogging knives, and being constantly available to attend yet another meeting to see how I am (and these meetings with their Drs. and Specialists don't happen in your town, you are always driven in a taxi to them and spend another hr each way travelling. And refuse or don't attend just one and you are documented as being a hostile claimant.
Of course this is all theoretical and any similarity to what someone might actually be going through would be coincidental.
DON"T LEAVE OUT ANYTHING OR FALSIFY ANYTHING when dealing with your insurance. Fill out everything correctly.(yrly mileage, purposes of use, etc) They check that the i's are dotted and t's crossed when it's claim time.
YMMV
I would love to put a cage in my car but am not for insurance purposes. I drive it on the street way too much and am insured with hagerty (properly).
A cage that occupies the passenger area of a vehicle only.will in no way affect the crumpled zones of said vehicle. Crumple zones are designed to take energy away from.occupants and the passenger compartment.the passenger compare is.designed to not crumple. Sub frames don't usually.extend beyond the underside of.the passenger compartment either. However a cage that exits.the passenger area and say ties.the front end together is a whole different story.
And never let an ins company tell you " a cage makes it harder to cut someone out in a wreck". This is bs. They tried that line on my dad.when hemail wanted to cage my ranger.my brother is a fire captain.and said.jaws of life won't be affected by any cage.there is a reason tracks have them on hand for rescue crews.
It.is.however a danger when not padded properly.
I'm more curious as to why it is OK for a Jeep (I understand why it makes it safer of course) and cars such as Mercedes 2 seat convertibles with their retractable roll bars to have them but for us to install them it is now bad. I'm sure any company will state that factory installed stuff is fine, so that will be what is said.
As far as my car being a daily driver, that is not my intention. I drive my motorhome (Dodge B250 extended) mostly since when my wife travels we need that for her. In fact, the Mustang will likely see little road time. I would be alone in it 99% of the time too. Wife can't get into it now, and only one of my kids is brave enough to drive in it with me. I just need daily driver status because my motorhome insurance is only $350 a year when listed as secondary. Even my car insurance is cheap as hell, but that is because right now my car has no mods outside motor/subframe connectors.
I also understand never giving more info than needed to the actual insurance company, had our house insurance cancelled a few years back by merely inquiring if some water damage was covered.
Mustang is strictly my toy. It is not meant to serve as family transportation in any way. I'll post back the advice my agent gives me, they won't rat me out. WHen our house insurance was cancelled we were warned by them not to call the insurance company but my wife insisted to my dismay.
....Because those bars and cages are factory installed and those vehicles have been Crash Tested with the bars/cages.Originally Posted by b1lk1
^ Response I got from ins co way back when.
I have not doubt as to why, just one of those things. I also understand why they don't like insuring race cars for the street, just hate to build a trailer queen.
I hear you brother, would love to have a cage in my own car.
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