Auto insurance, air bags

blazerbrad · 01-27-2009, 08:07 AM

Quote:

Originally Posted by Bear Chow

Thanks, It just didn't sound right to me ether. If I buy it, I'm not planning on fixing the airbags, so I am going to make sure my insurance agent will still cover me and the vehicle.

If you didn't say anything about the airbags I'm sure they would simply write a policy on it, though there might be an issue if you ever had an accident in which you were hurt. I'm no insurance expert but I could see a company disputing paying any medical coverage after an accident if the report came out that the airbags were non-existent????

Bear Chow · 01-27-2009, 09:26 AM

I would never, not disclose that. I do too many stupid things to not carry adaquate insurance.

77goldeneagle · 01-27-2009, 05:20 PM

Quote:

Originally Posted by blazerbrad

If you didn't say anything about the airbags I'm sure they would simply write a policy on it, though there might be an issue if you ever had an accident in which you were hurt. I'm no insurance expert but I could see a company disputing paying any medical coverage after an accident if the report came out that the airbags were non-existent????

My sister had an issue with a car she had bought that was wrecked and repaired..........the guy had never replaced the blown bags......The court said it was an issue of liability to other passengers and the previous owner was ordered to either replace the bags or buy back the car...........

wilson1010 · 01-27-2009, 05:31 PM

With 12 cars and trucks insured, I have never had an agent ask me about airbags or title issues. The most I ever had was that an agent wanted to look at my Volvo FE Flatbed to see if it was a tow truck or a cargo truck. How does this issue even come up?

Bear Chow · 01-28-2009, 10:12 AM

I carry full insurance on all my vehicles. For the record my agent said he could not, (I question maybe would not) insure a vehicle that came oem equiped with airbags, if they have been deployed. I was given the option to get they replaced, of course and then he would insure it.

It's not always about what your agent asks but what you dislose. If I insure a 1995 beat to crap jeep wrangler, it may be covered to replacement cost $2000. But that won't cover 36" tires, D44 or 60 or heaven forbid a stak.

Houses are the same. If someone where to drive up and clear out may garage. I'ld be out $$$$ in tools and parts if I didn't disclose it to my agent.

Flxratd · 01-28-2009, 02:51 PM

Quote:

Originally Posted by Bear Chow

I carry full insurance on all my vehicles. For the record my agent said he could not, (I question maybe would not) insure a vehicle that came oem equiped with airbags, if they have been deployed. I was given the option to get they replaced, of course and then he would insure it.

It's not always about what your agent asks but what you dislose. If I insure a 1995 beat to crap jeep wrangler, it may be covered to replacement cost $2000. But that won't cover 36" tires, D44 or 60 or heaven forbid a stak.

Houses are the same. If someone where to drive up and clear out may garage. I'ld be out $$$$ in tools and parts if I didn't disclose it to my agent.

I could see where the individual agent wouldnt want to insure a vehicle that was not fully repaired from the simple fact that your best friend riding in the car with you who would never think of sueing you when you wreck said vehicle will be hiring Wilson to see that he never has to work again because he broke a nail in the ACCIDENT. Sorry wilson fortunatly i dont know many legal reps and im ok with that. :)

wilson1010 · 01-28-2009, 04:30 PM

Quote:

Originally Posted by Flxratd

I could see where the individual agent wouldnt want to insure a vehicle that was not fully repaired from the simple fact that your best friend riding in the car with you who would never think of sueing you when you wreck said vehicle will be hiring Wilson to see that he never has to work again because he broke a nail in the ACCIDENT. Sorry wilson fortunatly i dont know many legal reps and im ok with that. :)

Hehehehe. If I handled plaintiffs' tort cases I'd have more money to squander on off road vehicles. :) No crimes, no divorces, no personal injury cases. What's left? Small business matters and tax issues.

KargoMaster · 01-28-2009, 05:11 PM

and Patent law... now there's some fun stuff....

I'll gladly stand up for our friend Wilson:

</HiJack>

sarge · 01-28-2009, 03:41 PM

Quote:

Originally Posted by Bear Chow

I carry full insurance on all my vehicles. For the record my agent said he could not, (I question maybe would not) insure a vehicle that came oem equiped with airbags, if they have been deployed. I was given the option to get they replaced, of course and then he would insure it.

It's not always about what your agent asks but what you dislose. If I insure a 1995 beat to crap jeep wrangler, it may be covered to replacement cost $2000. But that won't cover 36" tires, D44 or 60 or heaven forbid a stak.

Houses are the same. If someone where to drive up and clear out may garage. I'ld be out $$$$ in tools and parts if I didn't disclose it to my agent.

I think you need a new insurance company , If someone cleans out my garage I have no fear that everything ( prolly more ) would be replaced.

I do agree with the Jeep statement , thats why you have a custom rider placed on the vehicle , I had one for one of my camaro's for an additional $5000.00 and it only cost pennys a day. However if you could prove that you had some of the items on the Jeep I would bet they would pay for them . Say someone cuts your 36" Iroks in your drive ...... they're going to replace them .

My insurance company ( NLH in Middletown) is great , I even asked my agent if I should video the contents of the house for replacement and was told , only if I had the Hope Diamond on display would I have a replacement issue with them.

01-27-2009, 05:31 PM	#4
wilson1010 Join Date: Feb 2007 Posts: 147	With 12 cars and trucks insured, I have never had an agent ask me about airbags or title issues. The most I ever had was that an agent wanted to look at my Volvo FE Flatbed to see if it was a tow truck or a cargo truck. How does this issue even come up? __________________ Unimog 406 XJ with a bunch of stuff put on by somebody else

01-28-2009, 05:11 PM	#8
KargoMaster Cleaning off the rust... Join Date: Jan 2007 Location: Cincinnati, OH Posts: 1,009	and Patent law... now there's some fun stuff.... I'll gladly stand up for our friend Wilson: </HiJack> __________________ brad 5.0L \| 435 \| 203 \| 300 \| 4.10 \| 39.5 Buildup BACK underway...

01-27-2009, 09:26 AM	#2
Bear Chow Jeepless Join Date: Feb 2007 Location: Oxford, Oh Posts: 302	I would never, not disclose that. I do too many stupid things to not carry adaquate insurance.

01-28-2009, 10:12 AM	#5
Bear Chow Jeepless Join Date: Feb 2007 Location: Oxford, Oh Posts: 302	I carry full insurance on all my vehicles. For the record my agent said he could not, (I question maybe would not) insure a vehicle that came oem equiped with airbags, if they have been deployed. I was given the option to get they replaced, of course and then he would insure it. It's not always about what your agent asks but what you dislose. If I insure a 1995 beat to crap jeep wrangler, it may be covered to replacement cost $2000. But that won't cover 36" tires, D44 or 60 or heaven forbid a stak. Houses are the same. If someone where to drive up and clear out may garage. I'ld be out $$$$ in tools and parts if I didn't disclose it to my agent.