Insurance and collision work.

[CKN]

As was noted your point makes no sense.

It’s not your say what is valuable or not. And you have no idea what the value of anybodys cars, or collection thereof is.

And regardless of if it was a collection of rusted Yugos and Chevy cavaliers, or pristine, low mileage muscle cars, the reality is this - the liability exposure per vehicle is way lower the more you have.

Classic car insurers understand this. Standard insurers milk the public.

So let’s just look at three cars, and two drivers. Sure, the insurance company wants to assume that the third car is out and being used at all times. They want to assume, and bill you, for that liability exposure. Which is based upon a bad assumption if not a lie.

Reality is that three cars between two people should result in the other vehicle having a near zero insurance bill. If it’s in use, one other car in the household can’t be used by the two drivers. It’s just mathematically impossible. So other than some minor comprehensive loss exposure, there is nothing worth a dime. Yet the premium is 70-90% of the primary vehicle. It’s just theft.

Add more cars to the fleet, and the reality is even more ridiculous. Yet the premiums don’t really go down commensurate with the reduced liability.


Exactly right.

Reality is that car liability insurance should go with the driver, not the vehicle. But the insurance companies could pool as much imaginary risk and turn as much profit.

No. What the vehicle is plays a major part in determining rates. Your argument is nonsensical. You have three cars-two drivers. You are not going to pick up the phone and tell the insurance company when you are driving that 3rd (extra car) car.

Enjoy your collection-your major point is such where you can't insure all your collection under the "classic" banner. That's your issue.
Pay to play.
I'm out.

 

[ripcord]

No...what makes no sense is having a collection of 10 cars with a minimum value and paying insurance on them. If you own a bunch of beaters-the insurance companies assume you are going to drive them. We are not taking collectable cars here-but beaters. There on several on here that have a fleet of literal beaters. Pay to play.....

No. What the vehicle is plays a major part in determining rates. Your argument is nonsensical. You have three cars-two drivers. You are not going to pick up the phone and tell the insurance company when you are driving that 3rd (extra car) car.

Enjoy your collection-pay to play.
I'm out.

In my state we are not required to maintain insurance on every vehicle one owns. Here, vehicles only require insurance while they are being driven. In the case of my old Chevy farm truck, I might not drive it during a certain year. When I have a reason to drive it, I call up USAA and add it to my policy. In a month or two I call them back up and remove it. If I had a couple of backup beaters, I'd do the same.

 

[CKN]

In my state we are not required to maintain insurance on every vehicle one owns. Here, vehicles only require insurance while they are being driven. In the case of my old Chevy farm truck, I might not drive it during a certain year. When I have a reason to drive it, I call up USAA and add it to my policy. In a month or two I call them back up and remove it. If I had a couple of backup beaters, I'd do the same.

You can add and delete vehicles with many companies. I know there are insurance companies that will make you sign an exclusion for the vehicle(s) you say you are not operating.

 

[dishdude]

Something is rotten in auto body. When you see the allowable rates it’s clear they aren’t real. $35-50/hr as a burdened rate of labor (taxes and benefits included)?!? Nope.

Because the number of hours quoted for a given repair are 2-3x what the actual repair takes. It's bizarre.

 

[Rust_Belt_Pete]

If someone damages your car, you can demand OEM parts. There are no restrictions on what you can ask or sue for.

Not in NY state.

 

[alarmguy]

Not in NY state.

You can always sue, if you have a week or two to deal with the other insurance company. I would assume they would then agree to authorize OEM parts as they are not going to go to court over it. Remember we are talking about an accident that is someone else fault..
The above is best to my knowledge. I escaped NY almost 2 decades ago but last I knew you can sue anyone for anything.

Even though it wouldnt go this far - (disclaimer, I know states all have their own laws but I never saw anything against being forbidden to sue)

"If you are making a claim against the other driver's insurance company, you can take the position that they have to use OEM parts if the parts they use are inferior to the ones that were in your car. If they refuse to cover it, you can sue for the money you were forced to pay for OEM parts. You would sue the driver of the other car. It makes no difference that you are both insured with the same company. A judge or jury would decide the issue.

All claims for property damage and personal injury must be brought in the same action."

 

[alarmguy]

Not in NY state.

Here is some more for NYS, right from NYS senate

"

2021-A1280 (ACTIVE) - SUMMARY​

Requires motor vehicle repair shops to disclose types of replacement parts used in automobile collision repairs and provides a disclosure form to be signed by the owner consenting to the use of any such parts; forbids use of any other parts except new original equipment manufacturer parts on any vehicle during the first year of its manufacture and for the two years following."

https://www.nysenate.gov/legislation/bills/2021/A1280

 

[Rust_Belt_Pete]

I was told in the rust belt they just count on cutting drums off with a torch.

For that matter a lot of DIYers have a socket set but don't get into hot works, including O/A torches. But seeing some of the tricks rust belt guys have with a torch is pretty cool. Eric O has some neat tricks as an example.

They will absolutely fight it as the law backs them up.

 

[Rust_Belt_Pete]

Here is some more for NYS, right from NYS senate

"

2021-A1280 (ACTIVE) - SUMMARY​

Requires motor vehicle repair shops to disclose types of replacement parts used in automobile collision repairs and provides a disclosure form to be signed by the owner consenting to the use of any such parts; forbids use of any other parts except new original equipment manufacturer parts on any vehicle during the first year of its manufacture and for the two years following."

https://www.nysenate.gov/legislation/bills/2021/A1280

This is not the law, this is a proposed law.

 

[JustinH]

Progressive specified used bumper covers on my Tuscon when it was rear ended. The body shop said the OEM used stuff is better than alot of the aftermarket anyways and they painted it to match.

 

[alarmguy]

This is not the law, this is a proposed law.

I dont know if I can agree as it says Amended. But I do see your point and cant say you are wrong...
But doesnt matter, if someone hits your car you can sue for anything.

https://legislation.nysenate.gov/pdf/bills/2021/a1280

You also have this
a) Every motor vehicle repair shop shall display in a conspicuous place in such shop a sign stating: PURSUANT TO Insurance Law § 2610 (Collision or comprehensive coverage on motor vehicles) AN INSURANCE COMPANY MAY NOT REQUIRE THAT REPAIRS BE MADE TO A MOTOR VEHICLE IN A PARTICULAR PLACE OR REPAIR SHOP. YOU HAVE A RIGHT TO HAVE YOUR AUTOMOBILE REPAIRED IN THE SHOP OF YOUR CHOICE.

You can shop for who may use OEM if they want your business.
https://newyork.public.law/laws/n.y._vehicle_and_traffic_law_section_398-d#google_vignette

 

[Rust_Belt_Pete]

I dont know if I can agree as it says Amended. But I do see your point and cant say you are wrong...
But doesnt matter, if someone hits your car you can sue for anything.

https://legislation.nysenate.gov/pdf/bills/2021/a1280

There is the law and there is cost of time.
Law also requires a written lifetime warranty from insurance for a non oem part. Which means for example they will be changing my motor mount every month if they put in the anchor engine mount in my car.

 

[alarmguy]

There is the law and there is cost of time.

..agree..

 

[JHZR2]

No. What the vehicle is plays a major part in determining rates. Your argument is nonsensical. You have three cars-two drivers. You are not going to pick up the phone and tell the insurance company when you are driving that 3rd (extra car) car.

Enjoy your collection-your major point is such where you can't insure all your collection under the "classic" banner. That's your issue.
Pay to play.
I'm out.

Actually, my collection does use classic insurance which is great. And the entire policy is the price of one car in the regular policy, even with high mileage allowances for the classic cars.

You don’t know my situation. Your speculations aren’t helping you.

Pay to play is an idiotic comment unless you’re a thieving insurance company. The process is stupid. Liability should be on the person, what car I’m driving is almost entirely irrelevant for routine use. How the vehicle plays into rates is sensible for collision/comprehensive/underinsured driver property damage rates. Since the bulk of premiums is for my liability, and my driving style doesn’t change from car a to b, claiming that the vehicle plays in is just another discriminatory nonsense from an insurance apologist.

 

[John105]

Someone hit me 2010 when I was in a BMW loaner. Brand new. I had to provide my insurance info to handle. It was the lizard co. When I called they did nor “comfort” not “assure” me that would he loaner car was covered. They needed to see the agreement.

When I was at the body shop a claims adjuster had gone out. I saw the report—the adjuster had to check for used, aftermarket, then new. It had documentation on what the adjuster had done to look for used, and aftermarket, prior to the body shop being able to get OE. On a car with < 1,000 miles.

I was concerned that there’s a clause for loss of use on loaners. But nothing happened.

 

[GMBoy]

As was noted your point makes no sense.

It’s not your say what is valuable or not. And you have no idea what the value of anybodys cars, or collection thereof is.

And regardless of if it was a collection of rusted Yugos and Chevy cavaliers, or pristine, low mileage muscle cars, the reality is this - the liability exposure per vehicle is way lower the more you have.

Classic car insurers understand this. Standard insurers milk the public.

So let’s just look at three cars, and two drivers. Sure, the insurance company wants to assume that the third car is out and being used at all times. They want to assume, and bill you, for that liability exposure. Which is based upon a bad assumption if not a lie.

Reality is that three cars between two people should result in the other vehicle having a near zero insurance bill. If it’s in use, one other car in the household can’t be used by the two drivers. It’s just mathematically impossible. So other than some minor comprehensive loss exposure, there is nothing worth a dime. Yet the premium is 70-90% of the primary vehicle. It’s just theft.

Add more cars to the fleet, and the reality is even more ridiculous. Yet the premiums don’t really go down commensurate with the reduced liability.


Exactly right.

Reality is that car liability insurance should go with the driver, not the vehicle. But the insurance companies could pool as much imaginary risk and turn as much profit.

Let me add this to support our argument - I have 6 cars on classic insurance with agreed upon values and not restricted on usage. I pay $640 a year full coverage. My regular car insurance is through the roof and multiple times more expensive.

 

[CKN]

Let me add this to support our argument - I have 6 cars on classic insurance with agreed upon values and not restricted on usage. I pay $640 a year full coverage. My regular car insurance is through the roof and multiple times more expensive.

If you don't mind sharing-
What are those 6 collectable cars?

 

[GMBoy]

If you don't mind sharing-
What are those 6 collectable cars?

67 Corvette
94 Corvette
06 Corvette
87 Buick Grand National
32 Ford Street Rod
78 Jeep CJ7

 

[GMBoy]

67 Corvette
94 Corvette
06 Corvette
87 Buick Grand National
32 Ford Street Rod
78 Jeep CJ7

I had a few pics to share - not the best and the shop has since been cleaned up better! lol. I will have to take one of the 67.

 

[JHZR2]

Let me add this to support our argument - I have 6 cars on classic insurance with agreed upon values and not restricted on usage. I pay $640 a year full coverage. My regular car insurance is through the roof and multiple times more expensive.

Same.

Nice collection btw.