Janni
Enthusiast
As expected the big white trailer has not magically reappeared. I have a lead in SC forwarded to me by Ed, Double Venom, that I am following up on(if I can get the one man police dept. in Sumter SC to return my calls...). I called the Investigator assigned to my case and told him of the lead and he said to keep him posted if it turns up anything. Not too much effort being put into this - its a bit of a needle in a haystack, as no one would run the VIN of a trailer even if they pulled over the truck that was towing it. Not holding out much hope that it will be recovered. Sigh....
On a cheerier note, there has been a lot of talk around here about insurance companies and what you pay and levels of coverage. I have posted several times about Fireman's Fund being our insurance company. We pay about $1050 / year for each of the Vipers. However, this policy also includes a rider called "Repair or Replace" which states that if a vehicle cannot be fixed (or found), the company's limits of liability are up to, but not more than the cost of a new vehicle. Not "new to you" but NEW - showroom new, zero miles, no butt in the seat but yours new. And that amount is easy to figure out. Hassle free - especially important on cars like Vipers as we've all heard stories about the valuation of wrecked or stolen cars being absurdly low. It only applies to cars less than 5 years old so we'll lose it on the Vipers this year.
So now we gather the receipts and paperwork on the trailer and submit. The adjuster said he will work with us to settle this quickly (no cut and dried waiting period) and we'll be getting a 2001 48' Featherlite optioned just like our old one for the cost of our deductible - which is $50. One is coming in to Golden Gait Trailers and we have deposit on it. We may be hauling it to Mid Ohio if it arrives in time. We will not, however, be storing it at the same place
Every year, I freak out and convince myself I am getting ripped off by paying "so much" for insurance. So I quote other companies for both home and auto (2 96 GTSs, 2001 3500 Ram, 2001 VW GTI, and the trailer). Most don't quote when they hear I have replacement coverage (only 3 or 4 companies even offer it) and our homeowners is an HE7 (I think) which is very comprehensive coverage that is not offered by most companies. The big guys that have quoted (Allstate and State Farm) have not been competitive - either same cost for lesser coverage or higher cost for lesser coverage.
So, you really find out how good your insurance company is when you have a claim. The replacement coverage rider (which may be a total of $200 per year covering all vehicles) was worth its weight in gold as first year depreciation would have been brutal. The adjuster has been accessible and helpful, and as obnoxious as this whole mess has been, we should be back to normal without a huge unexpected expense. I cannot say enough good things about them. I'll keep you posted on the progress, but I am confident we'll have no problems.
Sorry so long, but with how we all value our cars, coverage like this can be priceless.
On a cheerier note, there has been a lot of talk around here about insurance companies and what you pay and levels of coverage. I have posted several times about Fireman's Fund being our insurance company. We pay about $1050 / year for each of the Vipers. However, this policy also includes a rider called "Repair or Replace" which states that if a vehicle cannot be fixed (or found), the company's limits of liability are up to, but not more than the cost of a new vehicle. Not "new to you" but NEW - showroom new, zero miles, no butt in the seat but yours new. And that amount is easy to figure out. Hassle free - especially important on cars like Vipers as we've all heard stories about the valuation of wrecked or stolen cars being absurdly low. It only applies to cars less than 5 years old so we'll lose it on the Vipers this year.
So now we gather the receipts and paperwork on the trailer and submit. The adjuster said he will work with us to settle this quickly (no cut and dried waiting period) and we'll be getting a 2001 48' Featherlite optioned just like our old one for the cost of our deductible - which is $50. One is coming in to Golden Gait Trailers and we have deposit on it. We may be hauling it to Mid Ohio if it arrives in time. We will not, however, be storing it at the same place
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Every year, I freak out and convince myself I am getting ripped off by paying "so much" for insurance. So I quote other companies for both home and auto (2 96 GTSs, 2001 3500 Ram, 2001 VW GTI, and the trailer). Most don't quote when they hear I have replacement coverage (only 3 or 4 companies even offer it) and our homeowners is an HE7 (I think) which is very comprehensive coverage that is not offered by most companies. The big guys that have quoted (Allstate and State Farm) have not been competitive - either same cost for lesser coverage or higher cost for lesser coverage.
So, you really find out how good your insurance company is when you have a claim. The replacement coverage rider (which may be a total of $200 per year covering all vehicles) was worth its weight in gold as first year depreciation would have been brutal. The adjuster has been accessible and helpful, and as obnoxious as this whole mess has been, we should be back to normal without a huge unexpected expense. I cannot say enough good things about them. I'll keep you posted on the progress, but I am confident we'll have no problems.
Sorry so long, but with how we all value our cars, coverage like this can be priceless.
