Chuck.... so the PA State Trooper is lying too? The tow truck driver? The call to AAA. The skid marks on the road. What about all the friends that were at the track with him. The track organizer?

Esurance has my name and number, I was with nibble that whole weekend, they never called me to verify his story or ask me mine. But yet they'll drag him sideways through a knot-hole and make him spend $$ on a lawyer?

Fuk Esurance.

 

I'm just playing Devils's advocate on the part of the insurance company.

Statie witness the incident or just see the skid marks?

Not sure where your rage is coming from. Ain't your car.

-- Chuck

 

Stop playing devil's advocate Chuck! it's pissing people off!

 

It's a close friend of mine Chuck, I've known nibble for over 10 years now. He's a mature and responsible member of society that is being played by an insurance company.

He would be just as upset if it was me.

I failed to notice your devils advocate role. Apologies to you. Fuk Esurance.

 

So, I track my car.

At what point does it no longer matter to my insurance company that I tracked my car?

Is it 1 day, 1 week, 1 year? Is it for the life of the car? Now that the car has been tracked is it now uninsurable to be driven on public roads? Does the car need to be reinspected and if so by who before it can be driven and insured on public roads.

 

^^ Probably the best place to start with to find that info is your insurance policy. Not all insurance companies are going to have the same requirements. Your policy spells all of that out in it. Dry reading, for sure, but...

 

Come on RMurphy, do you really expect that to be spelled out?

While you are on a race track, engaged in competition, a timed event blah blah blah, but do you really expect a time frame after said event for your insurance to be reinstated to be stated on your policy?

There HAS to be an agent on the board here.

 

Did you not get your morning coffee today?

The policy is the deal you cut with your insurance provider. It should be the final word on what is covered and what isn't. It's a contract to which both sides are bound. If it isn't in the policy, then it doesn't enter into discussions with the provider. In other words, if the policy doesn't say anything about tracking the car making the car un-insurable with them, then they have no leg to stand on to say the car is not covered. An agent who has not read the insured party's policy can make a *guess* as to what is covered and what isn't, but it's just a guess. I personally am not satisfied with guesses when the value of my vehicle is at stake.

That stated, we have no idea why the insurance provider in this particular discussion (esurance and nibbles) has opted to take the steps it has taken. We can conjecture all we want, but it is just conjecture. The only one who might be able to know is nibbles.

And I'm with Chuck... how exactly does an insurance company *take* a car without the consent of the owner? I think perhaps something was lost in translation. If there isn't an attorney involved at this point, there should be.

 

Murph, the previous owner of your car tracked it. It cannot be insured. It may only be used in closed course competition. Please hand in your license plates in 30 days.

Your policy might say such things, have you read it?

Coffee intake was very low this AM. Sleep last night was deprived as well.

 

You clearly haven't checked out the thousands of reviews on Yelp, depts. of consumer affairs, or general Google search results. I'm glad the outcomes of your situations were favorable but them having been "fantastic" seems to be the outlier.