Insurance on cars
#600960
02/01/10 06:26 PM
02/01/10 06:26 PM
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Joined: Nov 2009
Posts: 3,410
Belpre,Ohio
CHAPPER
OP
master
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OP
master
Joined: Nov 2009
Posts: 3,410
Belpre,Ohio
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Question....where do any of you have your street/strip cars insured? I had talked to Grundy on the phone and explained I had a vehicle I wanted to insure while crusing, storing, and transporting. They said no problem, just no coverage on the track. That was what I wanted. I just got my check back and said DECLINED, "We do not insure race cars". Anybody have any suggestions to a company that will insure this way. I never have had any insurance on my other race cars as they were not licesensed or street legal. I thought I would do this one right. Thanks.
If you like drag racing, support your local track.
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Re: Insurance on cars
[Re: TMonte]
#600966
02/02/10 12:44 AM
02/02/10 12:44 AM
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Joined: Dec 2004
Posts: 1,489
St. Louis Mo.
10 o to go
"Happy Don"
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"Happy Don"
Joined: Dec 2004
Posts: 1,489
St. Louis Mo.
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Found this haven't ask for a qoute yet .Lookd like it covers on off track.
Don
Insurance Coverage Outline
This Insurance Coverage is written through the North American Racing Association (NARA). The NARA is a non‑profit organization formed to assist drag racing participants. To purchase insurance through the association you must be a member and your vehicle must be raced at an Insured and Sanctioned event. If you are not currently a member the $30 annual membership fee will be added to the cost of the insurance. To become a member of the NARA you must also be a member of the National Hot Rod Association (NHRA), International Hot Rod Association (IHRA) or the Good Guys.
The Insurance Coverage provided is "PHYSICAL DAMAGE" coverage only. It covers your racecar at all times including racing. There is no coverage for Bodily Injury or Property Damage to other people's property. The insurance is broken down into three (3) categories. They are:
1. Racing. Coverage is provided from the water box to the beginning of the return road.
2. Non‑Racing. Coverage is provided for your racecar until your in the water box and picks up again at the beginning of the return road.
3. Trailer and Contents. Coverage is provided for your trailer and the contents therein used to service you racecar.
Insurance is available up to $ 100,000, stated value. Premiums can be paid through your VISA credit card.
Please proceed to our "Race Car Insurance Quotation Form". Complete this form and email (cmuscat@aounderwriters.com), fax (248) 239-6105) or mail the completed form to AO Underwriters, Ltd, 2285 N. Opdyke Suite D Auburn Hills, MI 48326.
DISCLAIMER
The abbreviated outlines of coverage's used throughout this site are not intended to express any legal opinion as to the nature of coverage provided. They are only visuals to a basic understanding of coverage. Please read you policy for specific details of coverage.
2009 418" build dan smith built
new 9.96 131.82
6.23 108
1.30 60 foot
best to date 9/15/09
8in 727 430 dana 2860 lb 3040 lb w driver
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Re: Insurance on cars
[Re: 10 o to go]
#600967
02/02/10 02:31 AM
02/02/10 02:31 AM
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Joined: Jan 2003
Posts: 10,766
Central Valley, CA.
Quicksilver440
I Live Here
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I Live Here
Joined: Jan 2003
Posts: 10,766
Central Valley, CA.
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Quote:
Found this haven't ask for a qoute yet .Lookd like it covers on off track.
Don
Insurance Coverage Outline
This Insurance Coverage is written through the North American Racing Association (NARA). The NARA is a non‑profit organization formed to assist drag racing participants. To purchase insurance through the association you must be a member and your vehicle must be raced at an Insured and Sanctioned event. If you are not currently a member the $30 annual membership fee will be added to the cost of the insurance. To become a member of the NARA you must also be a member of the National Hot Rod Association (NHRA), International Hot Rod Association (IHRA) or the Good Guys.
The Insurance Coverage provided is "PHYSICAL DAMAGE" coverage only. It covers your racecar at all times including racing. There is no coverage for Bodily Injury or Property Damage to other people's property. The insurance is broken down into three (3) categories. They are:
1. Racing. Coverage is provided from the water box to the beginning of the return road.
2. Non‑Racing. Coverage is provided for your racecar until your in the water box and picks up again at the beginning of the return road.
3. Trailer and Contents. Coverage is provided for your trailer and the contents therein used to service you racecar.
Insurance is available up to $ 100,000, stated value. Premiums can be paid through your VISA credit card.
Please proceed to our "Race Car Insurance Quotation Form". Complete this form and email (cmuscat@aounderwriters.com), fax (248) 239-6105) or mail the completed form to AO Underwriters, Ltd, 2285 N. Opdyke Suite D Auburn Hills, MI 48326.
DISCLAIMER
The abbreviated outlines of coverage's used throughout this site are not intended to express any legal opinion as to the nature of coverage provided. They are only visuals to a basic understanding of coverage. Please read you policy for specific details of coverage.
That says "Stated value"...that would worry me. They can pay you whatever they want unless it's "agree value".
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Re: Insurance on cars
[Re: Quicksilver440]
#600969
02/02/10 02:24 PM
02/02/10 02:24 PM
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Joined: Dec 2007
Posts: 19,955
Puttin' on the foil in Charles...
not_a_charger
Mr. Big Shot Moparts Moderator
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Mr. Big Shot Moparts Moderator
Joined: Dec 2007
Posts: 19,955
Puttin' on the foil in Charles...
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Quote:
That says "Stated value"...that would worry me. They can pay you whatever they want unless it's "agree value".
Correct. Stated Value/Stated Amount is worthless. Agreed Value is what you want.
Also, with regard to Hagerty...vehicles with roll cages are specifically mentioned as being INELIGIBLE for coverage through Hagerty. Now, lots of people seem to have Hagerty and have cages anyway, including many (like Thumperdart) who had the cage in when the insurance was obtained.
Reading numerous stories like that, as well as other stories about conversations with Hagerty employees about ways to get around not having a locked garage, driving to work, etc...leads me to believe that there are at least a handful of people at Hagerty that have no idea what they're doing. I've read accounts here of numerous people being given horrible advice by Hagerty people about what is/isn't/might be covered. If I had Hagerty, and I had a cage in my car, I'd be looking to switch ASAP, because again, their underwriting guidelines CLEARLY EXCLUDE any car with a cage. I can see that being a problem for someone when they have a claim. You'd have to prove to Hagerty that Hagerty knew your car was caged, and insured it anyway. That would be tough to do unless the idiot employee that approved it was willing to admit they screwed up. Just my  , having been an adjuster for 17+ years.
Earning every penny of that moderator paycheck.
DBAP
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Re: Insurance on cars
[Re: not_a_charger]
#600970
02/02/10 05:12 PM
02/02/10 05:12 PM
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Joined: Oct 2008
Posts: 492
South Jersey, NJ
DragDart360
mopar
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mopar
Joined: Oct 2008
Posts: 492
South Jersey, NJ
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 100% If you have an accident you will more than likely have your claim denied.
70 Dart Swinger, 2850 lbs
SB 408, Bullet roller 264/268 @50 .636 SSDS stage 2 Edelbrock heads, 1 7/8 Headmans, 1050 dominator by Dom, 9.867 @ 133
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.They also told me they did not want to insure a race car. 
I explained to them how I belong to 2 MOPAR car clubs and drive under 4000 miles per year.I further explained that several large car shows every year are held at dragstrips and that in order for me to go down the track they require the "SAFTY" bars.I also pointed out that on their TV commercial they claimed to insure all types of street rods.SOOOOOOOOOOOO,they did insure my car,and charged me double the std rate,called it a MODIFIED RATE 
It's still under $400 per year for FULL coverage 
