<VV> comprehensive, was Corvair vandalism

[Rt66Vairs at aol.com]

To put it simply....
 
I worked for an insurance company, now defunct due to unscrupulous top  
execs, for 11 years.
 
One thing I learned is that insurance companies are in the business of  
collecting premiums.
 
They are not in the business of paying claims.
 
They got that pretty well figured out.
 
They've also twisted the arms of our governing bodies to force us to buy  
their products.
 
I've watched the problems many (almost 400) of my neighbors have had in the  
aftermath of
a wildfire that came through here on Oct. 23, 2003.
 
There are still some signs on empty lots that say "We were NOT in good  hands 
with Allstate"
 
Tim Abney 
IECC
 
In a message dated 9/21/2005 4:28:50 P.M. Pacific Standard Time,  
hharpo at earthlink.net writes:

I have  been selling and servicing Home and Auto Insurance for many years and 
work in  an agency that does the whole USA and feel the need to respond to 
your comment  about comprehensive insurance. You make a good point but need to 
be mindful of  one fact about our favorite car. It is this: a common 
clause/practice in auto  policies is a limit, that is the value of the car. This amount 
less the  deductable is the maximum payment of any claim. When claims are 
settled this  way another deduction comes later and it is the "salvage value" of 
the car.  With our favorite car frequently this practice will mean nothing left 
when the  comprehensive or collision claim is settled. I know many who read 
this list  are in the midwest and east and keep comprehensive on cars and 
trucks untill  they are 10 or 12 years old because that is where companies settle 
the claim  when you hit a deer. But when the cars value is almost gone 
comprehensive will  no longer have much value no matter the attractive pric!
e. 

Marc  Marcoulides, LUTCF

-----Original Message-----


My experience  is that "comprehensive" insurance (the part that covers 
theft, vandalism,  and acts of nature including deer strikes) is very 
cheap and will pay for  itself on the first windshield.

Mike Kost

Kinzelman, Andy  wrote:

>Guys,
>My daughter drives her 65 Monza beater to  school every day.  Late last 
school year, she was at an evening program  (at school), and two of her tires were 
punctured.  However, the same  thing was done to several other cars.  I 
grumbled, put new tires on the  car, and forgot about it (liability only on the 
car; no police report  made).
>Today, it happened again.  Apparently, hers was the only  car messed with.  
I have to presume somebody is targeting her; why, I  have no idea.  I don't 
think she has any enemies at school.  I did  call the PD; but realize they can't 
do anything about it.  I still have  to rescue the car, & put new tires on it.
>
>Any ideas?   I can't take off work & watch the car - it may never happen 
again; it may  happen in the next week.  I also doubt the police will make a 
special  watch over it.  I just don't know what to do.