How do you insure your TJ?

[JMT]

I had Grundy 10+ years ago, not on my Jeep, they wouldn't insure it back then, which is a big reason I switched to Hagerty. Will Grundy insure these Jeeps now?

I talked to underwriter yesterday at Grundy. Discussed $50,000 stated value. Gave him recent driving record for all members of household including wife’s total loss this year. He talked to someone else at the company, got back on the line with a price of $699/yr. Sent me paperwork.

 

[The06LJ]

I ended up using Hagerty and have 0 intention on filing a claim for any damage that would occur on a trail

Id read the fine print on that policy real close. They may not care where the incident takes place, could be that by taking the vehicle off road at all you may be voiding your policy. I'm not an insurance professional but I believe the term is "material misrepresentation", which in at least some states is a valid reason for them to void your policy.

 

[AndyG]

I ended up using Hagerty and have 0 intention on filing a claim for any damage that would occur on a trail

Wise. Insurance is made to have, not use.

 

[JMT]

I don't have any specific information about Hagerty or Grundy, however when dealing with insurance companies in general such requirements (often called 'exclusions' in the policy language), they are present to act as sort of built in contractual defenses. They of course have no idea what you are, or aren't, doing with your vehicle at any time, it only becomes an issue on the back end when you make a claim. At that time, they'll ask questions to determine if you've violated a policy provision (breached the contract) at which time they may issue a reservation of rights and/or fully disclaim coverage once they've completed their investigation. Their investigation can include recorded statements of you, inspection of the vehicle, witness statements... and if those reveal some level of fuckery you can figure out what may happen.

All that said, you may wheel it regularly without incident then get rear-ended while going to the corner store to get a pack of Twinkies in which case no red flags would likely be raised.

Matters of insurance claims and coverage are always fact-specific. One thing you can count on is that the (fill in the blank) Insurance Company will go to great lengths to not pay a claim if they suspect a valid reason exists to not pay.

I’ve read your comments on such subjects before. Good stuff. You lived it.

I spent a few weeks of my life fighting with State Farm last year over a roofing claim ballpark $650,000. I won but geez was that a pain. They, of course, dropped us. I hate State Farm.

 

[JMT]

Id read the fine print on that policy real close. They may not care where the incident takes place, could be that by taking the vehicle off road at all you may be voiding your policy. I'm not an insurance professional but I believe the term is "material misrepresentation", which in at least some states is a valid reason for them to void your policy.

Material Misrepresentation is exactly why I brought this thread back up. I read all 5 pages, but these details were not discussed. In my opinion, if I were Grundy or Hagerty and I got pics of all 4 sides of my Jeep I’d know immediately “that thing is going offroad.”

 

[The06LJ]

Material Misrepresentation is exactly why I brought this thread back up. I read all 5 pages, but these details were not discussed. In my opinion, if I were Grundy or Hagerty and I got pics of all 4 sides of my Jeep I’d know immediately “that thing is going offroad.”

Only way I got Hagerty to even consider insuring my jeep was to get the rep to Google how many dirt roads there are on my island. I explained off road is not an option for me. Regardless, if I were you id treat off roading as if its a crime, make sure your buddies aren't posting pics of your rig on a trail. Just act like your jeep is in witsec.

 

[Westtown Willy]

I’ve read your comments on such subjects before. Good stuff. You lived it.

lived, living, tomato tomaddo

I spent a few weeks of my life fighting with State Farm last year over a roofing claim ballpark $650,000. I won but geez was that a pain. They, of course, dropped us. I hate State Farm.

That's why they're affectionately referred to as snake farm in these parts...

And a 650k roofing claim, where you live the Vatican?

 

[Apparition]

Material Misrepresentation is exactly why I brought this thread back up. I read all 5 pages, but these details were not discussed. In my opinion, if I were Grundy or Hagerty and I got pics of all 4 sides of my Jeep I’d know immediately “that thing is going offroad.”

And for you

 

[JMT]

lived, living, tomato tomaddo



That's why they're affectionately referred to as snake farm in these parts...

And a 650k roofing claim, where you live the Vatican?

Not my house but a building. Not my building either, but I have interest in what goes on there and this roof was not happening, so I volunteered to help. The claim was nearing two years and no one else in the group was taking initiative.

 

[Fluxor]

Material Misrepresentation is exactly why I brought this thread back up. I read all 5 pages, but these details were not discussed. In my opinion, if I were Grundy or Hagerty and I got pics of all 4 sides of my Jeep I’d know immediately “that thing is going offroad.”

I have Hagerty thru my all state rep. I had a friend back into me leaving another friends house damaging my front bumper and DS Fender. She had to pull a claim because she drives a Cadillac SUV and could not at the time afford the obscene cost of replacing her taillight and plastic trim. I don't know how it all works, I did not initiate the claim thru my insurance. The adjuster checked everything and no questions asked offered me 2500 to fix it. I have had no issues with Hagerty, yet.

 

[ColoJeep]

Good lord I'm screwed............

Between burying it in water, and @AndyG duck fetish, they will never believe a word I say........

Lucky for you off road and underwater are two different things John .