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Scrambler insurance

parrott

parrott

Basic User
City
Morehead City
State
NC
New here and just bought a real nice 81. Wasn't sure which forum to put this in?
Was wondering how you guys insure your scramblers when they are worth much more?
Are there any companies that will insure for agreed value?
Will post some pics tomorrow.
Thanks
 
Welcome Parrott!!!

Welcome, I Can't Wait To See The Pics. Where In Nc Are You, I'm Near The Charlotte Area. As For Ins. Some Will Want You To Bring It By To Have Them Look At It And Or Show Them Reciepts. All Are Different Just Make Sure To Have It Valued More Than Book Value...TRY A COMPANY NAMED GRUNDY I THINK FOR OLDER CARS AND HOTRODS.
 
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One thing to look out for in increased value policies is an exclusion for off-road use. They won't cover you at all, if it's used off-road.
 
Ask Mopedal, he's on this board. He should be able to provide some insight.
 
Welcome to the board from a fellow NC jeeper!!!
Better get some pics up before Bigwalt reads this thread:eek:
 
Welcome, I was in NC until last year about this time when we moved to MI. We were in Durham.

Of course, we'll have to have pictures of your Scrambler to answer your question ;)

There's a number of threads on here about insuring Scramblers if you search around.

Regardless of what you do to insure it KEEP YOUR RECEIPTS!!!! Either to establish the stated value or to prove the value if something were to happen. I was hit in mine (100% other person's fault) and I had to fight to get what it was worth rather than having them total it. In the end, I was happy with what I got and thought it was a fair deal, but having the receipts for things was key.

Also, along the lines of what John mentioned (and you'll see it in the threads on here) there's options for stated value policies and insuring these as historic vehicles in many states, BUT read the fine print!!! Many of these have the off-road use exclusion like John mentioned or they put severe restrictions on where/how far you can drive it (ie. to and from shows, to and from shops, less than xxx miles per year, etc.)

Given that the ins company will look HARD for ANY way to get out of covering you if something happens, you don't want to give them the chance because you tried to save a buck on one of those restrictive policies.

Anyway, that's my caution when it comes to insurance. I just insure mine as a regular driver (with lower per-year mileage and a higher deductible) and keep all my receipts.
 
Scrambler pics

Thanks for the welcome.
81 Scrambler
6 cyl
3 sp
35" Swampers Check that 36"
Wish I could take credit but was built by a guy in Wilmington NC. Did a great job.
Any online places to get tail lights, door entry guards, maybe chrome oil pan, need drivers side glass(kind of scratched up) just looking some dress up stuff.
Any suggestions on what to put on the tube side steps for non skid? Any type of chrome? I know I can get the stick on black nonskid.

onesource: This jeep came from Wilmington. Seems like I talked to you from the hulltruth about a CJ you had for sale last year.
scramright-1.jpg

scramrear-1.jpg

scraminterior-1.jpg

scramfront-1.jpg
 
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Yes that was me. I had a 85 and 81 black Scrambler for sale. I'm in Wilmington also. Your jeep looks nice. What part of town did the seller live in. Do you live in Wilmington also? There are several places online to get parts, these are just a few. I usually get all my stuff from quadratec because we don't have to pay sales tax, it usually helps out with a large order.

http://www.quadratec.com/
http://www.4wd.com/
http://www.4wheelparts.com/ (They have a new store in Raleigh NC)
 
The jeep came from off college rd. on woodduck circle. Brian Bellamy and his dad Don built the jeep. Very knowledgeable and nice people. I'm in Morehead City.
 
Nice Jeep! I use Hagerty Insurance and have been very pleased with them. They are very experienced and have insured my vehicles for values which I have stated with no questions.
 
WOW, that's a sweet ride! I'm drooling... :thumbsup: :Bow:

Dave K. said:
Nice Jeep! I use Hagerty Insurance and have been very pleased with them. They are very experienced and have insured my vehicles for values which I have stated with no questions.
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Hagerty was one I was thinking about. Are there no exclusions? I always thought of them as classic car insurers that would likely have the off-road exclusions John mentioned...
 
Answered my own question.

Under "Sorry we do not accept:"

"Any vehicles used for camping, off-road or utility-type driving"
 
Dave K. said:
Nice Jeep! I use Hagerty Insurance and have been very pleased with them. They are very experienced and have insured my vehicles for values which I have stated with no questions.
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X2......When asked if used off-road I told them no, but it may see use on "seasonal county roads" which in Michigan are mostly 2-tracks. (Hagerty is based in Michigan also). Note you also will get a discount if you have the vehicle registered as an antique or historical vehicle.
 
Scott_P said:
X2......When asked if used off-road I told them no, but it may see use on "seasonal county roads" which in Michigan are mostly 2-tracks. (Hagerty is based in Michigan also). Note you also will get a discount if you have the vehicle registered as an antique or historical vehicle.
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I think we've had this discussion before...

What worries me is if (God forbid) you had to collect on the insurance after running a "county road" and they find mud splashed on the undercarriage. They then reject the claim because they'll say you lied and went offroad. Then the burden will be on you to try and prove that you didn't do something to violate their totally arbitrary policy that they can enforce however they like to their financial advantage.

Note that they say they won't cover the vehicle period if it's used offroad, not that it will not be covered if it is going offroad at the time of the incident!

I simply don't trust any insurance company enough to even think about a policy that could be read BY THEIR SLIMY LAWYERS (important to note it doesn't matter a lick what you read it to say) to get them out of paying when I need the insurance.
 
Scott_P,
As a soon to be "SLIMY LAWYER" (I’m taking the Bar for the first time in Feb) and a former Michigan resident, I am going to have agree with bigwalton here. I started to write this big long post of all the problems you could have, but it got lost somehow and was probably interesting only to me. I will be brief this time, because here is what it boils down to: UNRELATED breaches can drastically affect your coverage.

Here’s the Reader’s Digest version:
• The insurance company thinks they are insuring an on-road only vehicle
• Excluded from coverage is, "any vehicles used for camping, off-road or utility-type driving."
• It seems that you may fit that exclusion. I know I do. What else do you use a Jeep for?
• The burden of proof is not that high in civil court and can be even lower in arbitration. (Meaning it wouldn’t be hard to prove you fit the exclusion if you really do)
• If you fit the offroading exclusion, they can have the contract dissolved. (Legally this means that a contract never existed)
• NO CONTRACT = NO COVERAGE
• NO COVERAGE = NO MONEY (even for claims with nothing to do with offroading, because there was never really a contract)

I’m not trying to defend the insurance company, but a judge would ask you, why should the insurance company uphold their end of the deal when you didn’t do your share?
 
Thanks for the replies. Already looking for some dress up things. I checked with my insurance, State Farm. They would use book which is going to be low. My agent did say to keep receipts but I don't want to chance it. I will shoot Grundy an email and see what they say. I had them when I had my 23 T-Bucket.
 
mssldn said:
"SLIMY LAWYER"
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No offense! :shrug: Just using a bad blanket term for the folks these companies have sitting there with nothing to do but figure out ways to get out of paying for things that common sense would say they should.

I hate that I have to be of the opinion I am, I'd love to think that Haggerty would cover you if you had an incident on-road regardless of their exclusion since it wasn't an offroad situation. I just don't think highly of insurance companies after the handful of incidents I've had and some of those I've read about here and on other forums.
 
bigwalton said:
No offense!
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No offense taken, I think it comes with the territory. I am the first person in my family to go to law school and they give me a hard enough time. My wife is probably the worst with lawyer jokes. Locally there is also a bar called the "No Lawyer Bar & Grill."
 
Kaiser8 said:
Ask Mopedal, he's on this board. He should be able to provide some insight.
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What a great looking Jeep! As far as insurance goes, there are some differences between states. On a Jeep like yours, I doubt it will be off road much and for sure not be in a racing or speed contest (which seems to be excluded by most companies). But, on a vehicle like yours, I believe what you are wanting is coverage in case you go around a curve too fast, or someone else hits you, or some dipstick decides to steal it. (Basically the same coverages you want on your other personal veh's.) That can normally be done with a number of insurance companies. Most have a "stated amount" or "value" policy made just for veh's like yours. It gives coverage just like it was a family vehicle except you choose the amount of coverage you want. Now, with that said, since most insurance companies or claims adjuster's are not educated in what a Jeep Scrambler (especially as nice as yours) is worth, they address the justification of value at claim time. They expect you have done your "homework" and know the value of the vehicle. That's OK or it can put you in a world of hurting! Just depends on what justification you have for "stating" the value you wanted it insured for. It's not rocket science but you need pictures (you already have these) and you need documentation. It was mentioned earlier to have bills and that helps a lot. You may also consider some authorized person or estimating service to appraise the veh. The point is, a normal insurance claims adjuster doesn't have the knowledge or training to know what a Jeep Scrambler is worth. As knowledgeable as they are, they are trained to look at a NADA book (or equivalent) to come up with a value. So documentation is the key. Most adjusters don't care what the amount is, they just want to make sure they are paying a reasonable amount.
It's always important to ask the agent (of whatever company) how the claims process will work since different insurance companies handle's claims differently. But documentation will always help. The lack of it will always hurt. Hope this helps!
 
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