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Student of the obvious
Join Date: May 2000
Location: Phoenix
Posts: 7,714
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Just got my Hagerty insurance renewal which has an interesting new exlusion...
Exlusion:
"Loss to your covered auto as a result of anyone causing you to voluntarily part with it as a result of a trick or scheme." Is that broad or what? I guess now it's only covered if the crooks steal it using some 'honest' method like carjacking.  Or is carjacking a "trick or scheme." "Sorry, your loss is not covered. You voluntarily gave the carjacker the car. He wasn't really going to shoot you... it was just a trick."
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Lee Last edited by LeeH; 08-06-2009 at 09:03 AM.. |
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08-06-2009, 08:53 AM
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Registered
Join Date: Oct 2004
Location: CA
Posts: 5,874
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It's probably against Nigerian scams...
And as a reminder, since that was news to me, I recently got in writing from them that you ARE covered for occasional trips to work (which I thought was excluded explicitely). Occasional being the operative word ! I like Hagerty ! |
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08-06-2009, 09:10 AM
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it's just simple insurance underwriting, excluding losses by scammers / crooks. I was scammed by FastClassice, SFbay area, have written workorder for work to be done, paid for the work to be done, when i finally gave up on the leaking, no oil pressure POS engine & Took it apart, I was rewarded with proof of the BS work, oil seal missing, oil bypass not done ( but paid for ), miss matched / worn out parts. My 100,000. heads that sat for 24 years, you ask? The dude used some stupid Dremel grinder and then installed them, same valves / springs bla, bla.
So the insurance Copanys are smart, they see the trend and blocked the contract. It's up to us to weed out the BS / Crap / Un-human dickheads. I've given my rip off story to a couple of CHP investigators I know they were official as I called their CHP office in the 707 area code. |
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08-09-2009, 01:51 PM
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Dog-faced pony soldier
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So you pull up in front of a restaurant and hand the keys to a guy dressed up like a valet. Only to find out later he wasn't. Do they pay up?
Another one: You pull over to help a motorist in distress. While you're out of the car, two guys jump out of the bushes into your car and take off in it. The "distressed" vehicle also bolts, leaving you standing by the side of the road. Do they pay up?
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A car, a 911, a motorbike and a few surfboards Black Cars Matter |
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08-09-2009, 02:00 PM
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Your first scenario was exactly the thing I thought of, POP. Similar to if you were selling your car and allow a potential buyer to test drive it and he bolts.
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1987 Venetian Blue (looks like grey) 930 Coupe 1990 Black 964 C2 Targa |
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08-09-2009, 02:21 PM
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I would think that unless you voluntarily sign the title over, you haven't really "parted" with the car. But I'd want to hear it from them. I'm sticking with State Farm.
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1974 914 2.0 1980 911 SC 2002 996 Cabrio 2000 Silverado 2011 Golf |
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08-09-2009, 05:01 PM
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One is a heist without a gun, the other is with a gun... What is the difference? Next they'll exclude car theft in any location other than your locked garage.
I'm sure all of this can be explained...
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Mitch Leland "03" 996 C2S-LS3 V8-480 HP "84" 911 Turbo Look-Sold w/ found memories |
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08-09-2009, 07:57 PM
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Join Date: Apr 2001
Location: Linn County, Oregon
Posts: 48,568
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I'd definitely ask them for a definition...and examples.
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"Now, to put a water-cooled engine in the rear and to have a radiator in the front, that's not very intelligent." -Ferry Porsche (PANO, Oct. '73) (I, Paul D. have loved this quote since 1973. It will remain as long as I post here.) |
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08-09-2009, 10:26 PM
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It is a "duping" clause. Car dealers have it in their policies, too. Basically, it says if you get fooled/taken/scammed, they ain't covering it.
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"Making things easy is hard work" My current stable: 1991 Carrera 4 Cabriolet, 1992 Mazda Miata, 2004 Lexus RX 330, 1994 F150 4x4 Supercab Also rans: 1977 Carrera 3.0 (traded for C4 Cab.), 1983 944 (project car - sold) |
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08-10-2009, 06:13 AM
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Registered
Join Date: Nov 2007
Location: Fly heading of 221 degrees out of Sebring until you see big water.
Posts: 104
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Knew a guy in Germany...a sports doctor living down by Garmisch who lost his Porsche to a guy he was demonstrating it to as a possible sale. They were out in the country side and Doctor guy stops to swap seats and let the other guy drive...boom, he's gone leaving to Doc standing beside the road. His German insurance company refused to cover the loss because he "handed" the car over to the thief. This was in the early 90's...
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08-10-2009, 10:50 AM
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Checked out
Join Date: Jun 2009
Location: On a beach
Posts: 10,127
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Quote:
A "typical" scenario is identity theft. A customer comes in, claims to be "Jerry Springer," has a fake driver's license, etc., signs up to lease a car and drives it away with no money down. When they contact the real Jerry Springer in the second month after no payment is made on the lease, he has no idea what happened. And the car is gone. Most major car dealers pay extra or negotiate to have that exclusion taken out, though. |
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08-10-2009, 11:01 AM
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Insurance fraud...
Quote:
However this whole subject does give one pause of your fellow man...
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Mitch Leland "03" 996 C2S-LS3 V8-480 HP "84" 911 Turbo Look-Sold w/ found memories |
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08-10-2009, 11:01 AM
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Ducati
1987 Porsche 930 3.3T
1987 BMW 325is
1980 Porsche 911SC
1974 Porsche 914 2.0
2002 Porsche 996 Carrera
2003 Porsche 996 C4S
Interior
996 C4S - LS3 V8
006 C4S - LS3 V8
LS3/480 HP
Carrera 4 Cabriolet
944
