03-15-2014, 12:31 AM
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#1
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Franchise Player
Join Date: Jun 2005
Location: Hell
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always get auto insurance!
I learned a lesson this week and thought I post this as a reminder to anyone else who's into old cars. I don't want anyone else to make the same mistake!
3 weeks ago I bought a 77 corvette that needed work to restore it, I didn't get around to getting insurance right away, it needed work and couldn't really afford it quite yet.
then this happened.........
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03-15-2014, 12:35 AM
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#2
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Lifetime Suspension
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F man.... that's brutal.
Talk to your adjuster and see if you can claim it on your home contents insurance. You just might be able to. Especially since I am guessing you didn't pay a huge wad for it. I know my contents covers up to 100k. In fact I know of a case where a guy lost a collector Porsche in the same scenario, and he successfully claimed it as contents, as it was mid-restoration, and in pieces. As long as the car isn't roadworthy, I believe you will have a chance.
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03-15-2014, 12:46 AM
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#3
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Not a casual user
Join Date: Mar 2006
Location: A simple man leading a complicated life....
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I feel for ya man! That looked like a really nice Vette you were working on. Hopefully the good advice from pylon helps you.
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03-15-2014, 12:55 AM
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#4
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#1 Goaltender
Join Date: Aug 2011
Location: Not cheering for losses
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Fuuuuuuuuu
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03-15-2014, 01:17 AM
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#5
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First Line Centre
Join Date: Feb 2013
Location: Field near Field, AB
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Amazing, so what was the source of the fire? Gas lines in the vehicle, a product in the garage used in restoration?
Sad to see all the good work washed away.
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03-15-2014, 02:25 AM
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#6
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Franchise Player
Join Date: Jun 2005
Location: Hell
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i have been told that my policy wont cover any motor vehicles  my buddy worked on it three days straight b4 the fire we just took the engine out the night before. thanks for the advice Pylon 
2 fire investigators couldnt determine the cause. i'm really bummed
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Last edited by Flames_Gimp; 03-15-2014 at 03:11 AM.
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03-15-2014, 03:00 AM
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#7
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Franchise Player
Join Date: Oct 2001
Location: Behind Nikkor Glass
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That really sucks.
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03-15-2014, 09:07 AM
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#8
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Franchise Player
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Sorry to hear this.
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03-15-2014, 09:23 AM
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#9
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Franchise Player
Join Date: Mar 2007
Location: Calgary
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That's really unfortunate, I would probably be in the same boat, skipping fire and theft on something I was fixing.
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03-15-2014, 09:49 AM
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#10
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First Line Centre
Join Date: Oct 2005
Location: 103 104END 106 109 111 117 122 202 203 207 208 216 217 219 221 222 224 225 313 317 HC G
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Yeah, most home insurance policies make a point to separate themselves from anything vehicle related. Some have coverage for parts and accessories, but it's a limited amount, usually used for 2nd set of tires being stored in the garage.
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03-15-2014, 10:31 AM
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#11
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Franchise Player
Join Date: Jun 2005
Location: Hell
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you guys think i should try kickstarter?,
i always wanted a vette, finally got one and poof it's gone
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03-15-2014, 10:37 AM
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#12
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Franchise Player
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That sucks man, got any more photos??
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03-15-2014, 11:49 AM
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#13
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First Line Centre
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Wow. Brutal. That car looked like it had a ton of potential
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03-15-2014, 01:52 PM
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#14
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Franchise Player
Join Date: Jun 2005
Location: Hell
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the fire burned the telephone poll and blew up the transformer, knocking out power to the block. firefighters opened fire hydrant too fast and blew the water main in 2 places, the entire block had no water for 4 days.
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03-15-2014, 01:57 PM
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#15
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Retired
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Sent you a PM. I'm not convinced what you've been told about your coverage is correct.
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03-15-2014, 02:01 PM
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#16
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Scoring Winger
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claim all your stuff at higher values to get back what you had paid for the car sand parts. get every dime you can from them
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03-15-2014, 02:19 PM
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#17
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Franchise Player
Join Date: Jun 2005
Location: Hell
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__________________
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03-15-2014, 02:22 PM
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#18
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by hayduke's dad
claim all your stuff at higher values to get back what you had paid for the car sand parts. get every dime you can from them
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Yes the best approach is to commit insurance fraud.
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03-15-2014, 02:25 PM
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#19
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Franchise Player
Join Date: Mar 2012
Location: Sylvan Lake
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Quote:
Originally Posted by Delgar
Sent you a PM. I'm not convinced what you've been told about your coverage is correct.
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Are you able comment on why?
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03-15-2014, 02:31 PM
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#20
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Franchise Player
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Quote:
Originally Posted by hayduke's dad
claim all your stuff at higher values to get back what you had paid for the car sand parts. get every dime you can from them
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Yes screw the insurance company, they are a large faceless conglomerate.....good grief, what kind of advice is this. I hope you are not out there crabbing about the cost of home insurance......
Flames gimp those pics are painful to look at, hopefully something works out for you
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