Ss into storage
Joined: Mar 2005
Posts: 78,840
Likes: 7
From: On yo puter screen
My 2 cents on ins, I never remove any insurance on my car. I own all my cars outright so thats not a factor in my decisions. If you think your all set storing it with just fire and theft think again.
1: collision is exactly that collision which means any object or vehicle which strikes your car causing damage is classified as collision not comprehensive, fire, theft etc. Dont fool yourselves into thinking this would be covered under anything but collision its not.
How do I know Firsthand thats how. I had a pile of boxes get knocked over and strike my motorcycle a few years back denting and causing damage to it. No sweat just call the ins company and its covered right. Wrong You see it was in storage in my cellar hey no need to hold collision on it right come on what kind of collision is gonna happen in a cellar comp will cover anything that happens to it so i took it off. Well guess what NOT
Its termed as collison by the ins company. Any thing that strikes or anything stuck by the vehicle is called collision. Now this has been discussed before some on here debate it and say they can make claims and its not collision. I ask you this make dam sure you know exactly what your ins co calls it before you cancel your collision. You may find out what you think you know you dont.
End of public service announcement
1: collision is exactly that collision which means any object or vehicle which strikes your car causing damage is classified as collision not comprehensive, fire, theft etc. Dont fool yourselves into thinking this would be covered under anything but collision its not.
How do I know Firsthand thats how. I had a pile of boxes get knocked over and strike my motorcycle a few years back denting and causing damage to it. No sweat just call the ins company and its covered right. Wrong You see it was in storage in my cellar hey no need to hold collision on it right come on what kind of collision is gonna happen in a cellar comp will cover anything that happens to it so i took it off. Well guess what NOT
Its termed as collison by the ins company. Any thing that strikes or anything stuck by the vehicle is called collision. Now this has been discussed before some on here debate it and say they can make claims and its not collision. I ask you this make dam sure you know exactly what your ins co calls it before you cancel your collision. You may find out what you think you know you dont.
End of public service announcement
Joined: Jul 2007
Posts: 13,539
Likes: 56
From: Hooksett, New Hampshire
Originally Posted by MonkeyCMonkeyDo,Sep 25 2008, 12:55 PM
As others have mentioned MA is slightly more regulated than NH, you can't dump liabillity without turning in your plates, re-regestring in the spring. the re regestration fee makes it just slightly less of an economic advantage, this past year the lady at the RMV experimented by giving me a plate number that was tagged for the previous month, it meant it expired in 13 months instead of the regular 24. the funny month experiment saves a whopping $20, on top of the typical savings. I'll have to recheck the math to see exactly how much going the RMV twice and aksing them nicely is saving me. Oh and i should mention that i live a whole mile from a not rediculously busy RMV, if i had to use the one in chinatown forget it.
more regulated than NH, you can't dump liabillity without turning in your plates, re-regestring in the spring. the re regestration fee makes it just slightly less of an economic advantage, this past year the lady at the RMV experimented by giving me a plate number that was tagged for the previous month, it meant it expired in 13 months instead of the regular 24. the funny month experiment saves a whopping $20, on top of the typical savings. I'll have to recheck the math to see exactly how much going the RMV twice and aksing them nicely is saving me. Oh and i should mention that i live a whole mile from a not rediculously busy RMV, if i had to use the one in chinatown forget it.
Joined: Feb 2004
Posts: 65,471
Likes: 4,741
From: Smalltown
Originally Posted by zzziippyyy,Sep 25 2008, 01:33 PM
My 2 cents on ins, I never remove any insurance on my car. I own all my cars outright so thats not a factor in my decisions. If you think your all set storing it with just fire and theft think again.
1: collision is exactly that collision which means any object or vehicle which strikes your car causing damage is classified as collision not comprehensive, fire, theft etc. Dont fool yourselves into thinking this would be covered under anything but collision its not.
How do I know Firsthand thats how. I had a pile of boxes get knocked over and strike my motorcycle a few years back denting and causing damage to it. No sweat just call the ins company and its covered right. Wrong You see it was in storage in my cellar hey no need to hold collision on it right come on what kind of collision is gonna happen in a cellar comp will cover anything that happens to it so i took it off. Well guess what NOT
Its termed as collison by the ins company. Any thing that strikes or anything stuck by the vehicle is called collision. Now this has been discussed before some on here debate it and say they can make claims and its not collision. I ask you this make dam sure you know exactly what your ins co calls it before you cancel your collision. You may find out what you think you know you dont.
End of public service announcement
1: collision is exactly that collision which means any object or vehicle which strikes your car causing damage is classified as collision not comprehensive, fire, theft etc. Dont fool yourselves into thinking this would be covered under anything but collision its not.
How do I know Firsthand thats how. I had a pile of boxes get knocked over and strike my motorcycle a few years back denting and causing damage to it. No sweat just call the ins company and its covered right. Wrong You see it was in storage in my cellar hey no need to hold collision on it right come on what kind of collision is gonna happen in a cellar comp will cover anything that happens to it so i took it off. Well guess what NOT
Its termed as collison by the ins company. Any thing that strikes or anything stuck by the vehicle is called collision. Now this has been discussed before some on here debate it and say they can make claims and its not collision. I ask you this make dam sure you know exactly what your ins co calls it before you cancel your collision. You may find out what you think you know you dont.
End of public service announcement
Registered User
Joined: Mar 2003
Posts: 14,890
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Originally Posted by Lainey,Sep 25 2008, 01:14 PM
Spoke to my agent today. Mentioned removing collision. He is well aware that our car is parked outside and stuff could hit it....In our area/state, that would be covered by comprehensive insurance. Fire, theft, vandalism, etc....comprehensive insurance. Your state insurance rules may vary.
Registered User
Joined: May 2007
Posts: 8,742
Likes: 4
From: Berkshires, MA
Originally Posted by Lainey,Sep 25 2008, 02:14 PM
Spoke to my agent today. Mentioned removing collision. He is well aware that our car is parked outside and stuff could hit it....In our area/state, that would be covered by comprehensive insurance. Fire, theft, vandalism, etc....comprehensive insurance. Your state insurance rules may vary.
Not sure if you meant to leave out the word comprehensive or not Dave, but obviously fire and theft would not cover a box denting your motorcycle.
Joined: Mar 2005
Posts: 78,840
Likes: 7
From: On yo puter screen
Originally Posted by daktruckie99,Sep 25 2008, 02:37 PM
Correct. I ran Dave's situation by my insurance agent before removing collision. If anything falls on it under storage my company covers it under comprehensive
Not sure if you meant to leave out the word comprehensive or not Dave, but obviously fire and theft would not cover a box denting your motorcycle.
Not sure if you meant to leave out the word comprehensive or not Dave, but obviously fire and theft would not cover a box denting your motorcycle.
and I wish you all luck when you go to make an actual claim, Thats when the real money is on the table.
Registered User
Joined: May 2007
Posts: 8,742
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From: Berkshires, MA
Originally Posted by zzziippyyy,Sep 25 2008, 02:38 PM
Its in the second line,
and I wish you all luck when you go to make an actual claim, Thats when the real money is on the table.
and I wish you all luck when you go to make an actual claim, Thats when the real money is on the table.
