Which company, and did they ask for his birthday? Not shocking if there’s a company out there that does things differently than the rest.

No kids here but if I did.... no no no. Best for there safety, the cars safety.

I think what would be worse is teaching a youngster with a modern car with RnP steering and then trying to get them used to our old steering boxes, brakes, ect.

Maybe after a few years of driving under there belt.

did you just not let your kid drive it?

I have Condon Skelly.

It seems like a lot of insurance policies are very vague lately in their wording.

I had a hard time trying to find something on hagerty and somewhere else.

They're not, but if they were, that's to the advantage of the consumer. Any ambiguity in policy language must be interpreted in favor of the insured. Either the insurer will do so voluntarily, or the Department of Insurance will make them do so.[

I reached out to them for a quote.
they said you have to have 5 years driving experience to be covered. and if you have under 10 years it required a waiver.

don't have 22 cars with hagerty so doubt asking will pull any weight, but it doesn't hurt.

so ' vague' favors the insured?? maybe, but the insurance co. has lots of $$$, if they don't like the 1st outcome, they will appeal, and then appeal again and again .... i hope u have deep pockets, and lots of time

There's no maybe. Vague/ambiguous language must be interpreted in favor of the insured. This is true in all 50 states + D.C. If the policy language is vague/ambiguous, the smart adjuster will just interpret in favor of the insured and save the company time and money. The dumb adjuster will interpret in favor of the company, in which case all the insured has to do is file a complaint with the Department of Insurance, who will then force the insurance company to interpret in favor of the insured. It doesn't cost a dime for a consumer to file a DOI complaint. It's not court, it's not a lawsuit, there's no hearing, there's no appealing. The consumer files a written complaint. The DOI notifies the insurance company, who has 30 days to respond in writing. DOI then makes a decision, and you do what the DOI tells you to do. If the insurance company is lucky, they'll just be told what to do. If there's a pattern of such behavior, the DOI will hit them with huge fines, fines that more than offset any savings that may have occurred by not paying the claim in the first place.

Floods

The National Flood Insurance Program includes in their definition of “flood”: inland tidal waters; unusual and rapid accumulation or runoff of surface waters from any source; and collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood. The big thing to take note of here, no property (that includes any Homeowners and Dwelling Fire Insurance Policy forms)covers flood damage as defined. Damage from flood waters is covered only by a separate Flood Insurance Policy and is subject to policy limits and deductibles.

They're not, but if they were, that's to the advantage of the consumer. Any ambiguity in policy language must be interpreted in favor of the insured. Either the insurer will do so voluntarily, or the Department of Insurance will make them do so.



What do you mean?

I have Condon Skelly.