[DML] Re: My Insurance canceled me - cuz it was a Delorean!

["savantimaging" <jeff@xxxxxxxxxxxxxxxxxx>]

--- In dmcnews@xxxxxxxxxxxxxxx, "Richard T. Herrick" <docrth@...> wrote:
>
> They  did the same thing to me in FL a few yrs ago.Have been with Esurance
> and they have  been great!
> 
> Docrth
> 
> Tampa  Bay
> 
>  
> 
> From: dmcnews@xxxxxxxxxxxxxxx [mailto:dmcnews@xxxxxxxxxxxxxxx] On Behalf Of
> daviddelorean
> Sent: Friday, September 24, 2010 7:00 PM
> To: dmcnews@xxxxxxxxxxxxxxx
> Subject: [DML] My Insurance canceled me - cuz it was a Delorean!
> 
>  
> 
>   
> 
> Got a general cancelation letter today from State Farm. They canceled my DMC
> insurance effective 10/1/10 and sent me a refund on my premium. I called my
> agent who then called the underwriters. Ready for this... "your insurance
> was canceled because there are no more parts available for Deloreans and if
> a light swtich or screw or other part breaks, the car will be totalled".
> 
> Well, after laughing in their face for 5 minutes straight I explained to
> them about that whole myth. They didn't beleive me. I gave them the numbers
> to all the big DMC shops in the country. They are going to call the shops
> and verify there are parts still available and then reistate my policy.
> 
> Are people this stupid?
> 
> 
> 
> 
> 
> [Non-text portions of this message have been removed]
>
I am sure each of us can agree that insurance is one of the necessary evils.  With that being said, I happen to work for State Farm insurance, I own a "D" and I have it insured with State Farm.

I can tell you first hand that the information your agent is telling you is not true.  It is information being passed down from an "underwriter" in a regional office somewhere who does not know what it is they are talking about.  Primarily, about  the Delorean!  The underwriter is simply un-educated.  I mean the excuse your agent gives about a switch breaking with no possibility of a replacement part, resulting in a total loss is insane.  That is laughable.
Any insurance agent worth his/her salt will go to bat for an insured in a case like this.  The only reason I can think of is too many prior losses etc.  But, I can't speak for that.  All I can say is I have my car insured as a "classic/antique" vehicle with a state value of $25K that both State Farm and I agree on.  I have all of my documentation to back up my value and would not have an issue in the event  that my beloved VIN #5120 would ever be deemed a total loss.

For what it's worth, I just changed my classification to the antique/classic rating and stated value of $25K less than 60 days ago without any hiccup from our underwriters.  Now, I know what you might be thinking, "well, you work for SF and therefore have an in."  Not true.  My vehicles are subject to review just like anyone else.  I had to submit my pictures and documentation.   If you are still running into issues with your SF agent and you need help have your agent call Tom Pemberton SF insurance (Boise, ID) 208-323-7914 and ask for Jeff.  I will be happy to educate them for you!
Just my 2 cents.....




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