What's your insurance plan?

[Motorhead350]

The car is going into my name pretty soon. The car was always covered as a Mercury Grand Marquis for whatever reason.

I am trying to decide if I should keep it that way or if should mention all the performance products on the car. So if something happens I can actually get another Marauder and have the funding to buy all the goodies back.

Then again I don't know if I want an insurance company knowing a 25 year old has a 550hp daily driver... I strongly dislike insurance companies as is.

What is your plan?

[ctrlraven]

Just give your insurance agent/broker the vin and keep your mouth shut about anything else. lol

2003 list out as Grand Marquis and 2004 have their own Marauder name in the insurance database system for most insurance companies. My insurance card and info list mine as a Mercury Marauder.

Keep full coverage on the car.

[Motorhead350]

Well I am saying if something happens like being stolen I would probably just get enough money to get another Marauder. Not another Marauder and a supercharger, headers, exc. I wanna make sure I get the exact car back.

But I was thinking full coverage and just hoping nothing happens.

[MM2004]

Keep your mouth shut on the mods!

You'll shoot yourself in the foot if you say anything about them.

Shop around for rates. (have the VIN ready as they'll most likely ask for it)

I am 48, pristine driving record, and have been quoted over $600.00 every 6 months!

More than twice what I am paying now. (full coverage/multi-vehicle discount)

Mike.

[Da Dark Jedi]

If the car is stolen or totaled out you WILL NOT GET BOOK VALUE! The Insurance companies have a company set up where they use that data base to determine the value, and not KBB. You would need to keep receits for any and everything you want covered and inform them of it. Replacement value only covers a car thats three years old or less. Even if someone else is at fault their insurance will not give you full value. If the Ins company determines that the car is totaled but may be useable to you ,that you may buy it back from the Ins. They'll ask that you send the title to them and it will be listed as "Salvage Vehicle" that way no other Ins will issue you full coverage only liability ins. Since you mention that your car is listed as a MGM you may have a problem if the above occurs.


Thats why people at least here in Chicago hope their car is NEVER RECOVERED if stolen. Oh and Illinois you'll wait 48 days after the state has a file.

[71cyclone]

Your Insurance Company was asleep. Liberty Mutual knows that in the vin number, the marquis letter and the marauder letter is different [I called them up when I got insurance and told them it was a marquis they called back and corrected me .
The Mercury info from motorsport explains this with pictures. At your age, have the car put in moms or dads name. otherwise you will be paying at least 400 dollars /month Good Luck son

[Da Dark Jedi]

With the car in your parents name any Ins check issued or any dealings will be directly with whos name the car is in. Since Dom is getting married soon not even his wife will have a say so.

[Mike]

[QUOTE=ctrlraven;1088538]Just give your insurance agent/broker the vin and keep your mouth shut about anything else. lol

^^^AGREED^^^!!!

[FF1077]

I agree with everyone else. KEEP YOUR MOUTH SHUT. Your answer is Im not sure to any questions.

They aren’t going to cover you if they know it’s a heavily modified Marauder. I bet if you did, they will either try to kick you to a stated value policy, or collector car insurance if they will cover you. Both of those are out of reach for someone in your financial position. Collector car insurance usually doesn’t cover daily drivers and has a mileage limit.

In 1992 I had a 1980 Mustang with a 302. You couldn’t buy a Mustang with a 302. The person I bought the car from took out the 2.3 and dropped in a heavily built 302. (I miss that car).

I drove to my insurance agent and gave him all the paperwork to get it on my policy along with my 65 Comet and 85 LTD. He walked me out side and said goodbye. He heard me start it and drive away. It sounded like a healthy V8 no matter how slow I went.
When I got home there was a message on my answering machine that essentially said that’s not a 2.3 mustang and we can’t cover it, not even for liability only, so you need to make other ins arrangements.

So I went to another ins and put all my vehicles down as what the Title said.

Now a story with that insurance.
In 2001 I bought a 1985 Mustang SVO with 36K miles on it. Mint condition, lowering springs the only mod. I financed it through a bank. I had about 6 cars on my policy between my wife and I. She does the bills. My insurance said they wanted me to take the SVO 500 miles away so it could be inspected. I called and told them they were nuts and there had to be somewhere closer. The rep came back and said send us pictures of the car and that will do. So I sent them 50 or so pictures of the car from my fancy digital camera. About 8 months go by and I take it out of the garage to go to a car show. On the way there the breaks fail and goodbye SVO. I’m not hurt and other than the driver of the truck I hit wanting to strangle me because, hes fine. It was brand new and I can understand his anger. But it was a 4x4 and his heavy duty receive hitch pealed the hood back. Not damage to him other than that. The police had to restrain him until he calmed down. I call the insurance and the end results is they will cover me hitting the Truck, but will not cover my car. Why? They said I didnt have it inspected as they said to. I go over everything I did, the distance of the "inspection" place; I got the bank involved, talked to the state insurance commissioner. I was screwed. I didnt have anything in writing about pictures being okay and even though they agreed the 500 miles was a mistake (there was a place 10 miles away). I had dozens of statements from people in my car club about its condition as we had all met up a few minutes before the accident and were heading to the show. I fought that tooth and nail. Wrote letters and emails, did all that I could and no luck. The car got fixed on my dime and I ended up selling it. But the insurance didn’t have to pay out. They were nice enough to refund the money I paid for the full coverage on it for the previous 10 months.

But that same insurance eventually had to pay me for injuries from a totally different car accident and that $ allowed me to purchase my Marauder. I learned my lesson and am driving this one, no garage queen status yet.

All I can say is PIP and UNDERINSURED motorist coverage are cheap and worth it.
Though I would hand over the Marauder in a second to anyone who could rid me of the injuries from the car accident.

[J-MAN]

I just switched over to Grundy for insurance on Trilogy #104. $670.00 per year with an agreed upon value of $35,000.No deductible. No mileage limitations, but not to be used as a DD, and must be garaged. I listed all the mods and sent photos of the vehicle. Great deal for me!

Too bad this won't help you.

It may be in your best interests to have your future wife apply for coverage on your Marauder. My last insurance company wanted to inspect the vehicle as I wanted full coverage on an "old" 2003. This is not unusual.

Good luck!

[Da Dark Jedi]

Have you called and check what is out there for rates, your age and city will play a factor. What about the Ins that's currently covering the car, all you're doing is transfering it to your name. Since this is your first Ins policy you're going to pay a premium. What about your credit, the majority of Ins do check your credit history.

[capt512]

Don't know what your driving history is, but just fyi - 24yr old here, spotless driving record, paying $90 a month ($534 every 6 months) for full coverage with a $500 deductible on my 03 - through allstate. So just as a reference on costs in my case. However that still won't cover your goodies...your probably up a creek on them.

[Joe Walsh]

The car is going into my name pretty soon. The car was always covered as a Mercury Grand Marquis for whatever reason.

I am trying to decide if I should keep it that way or if should mention all the performance products on the car. So if something happens I can actually get another Marauder and have the funding to buy all the goodies back.

Then again I don't know if I want an insurance company knowing a 25 year old has a 550hp daily driver... I strongly dislike insurance companies as is.

What is your plan?

You should lie to the insurance company in order to keep your rates down....
They are a business that does not need any profits!

[Cheeseheadbob]

Go here. http://www.hagerty.com/ You can insure your car for what you think the full replacement value is, including all of your goodies. I had my Marauder insured for 55K. I can't remember what the premiums were since I paid it annually, but it was not unreasonable.

[FF1077]

Hagerty wont work for Dom.
I looked into it myself and it wont work for me either.

From their website-


Does My Vehicle Qualify?

Hagerty offers full coverage for many types of collector vehicles.
Qualifications for our program include:


Usage: Vehicles that are not used for daily transportation.

Storage: Vehicles must be stored in an enclosed and secure structure.

Regular-use vehicles: Every driver in the household must have a regular-use vehicle for daily transportation.

Driver eligibility: Generally, one or two minor traffic violations or accidents per household are acceptable.
Learn more about program qualifications here (http://www.hagerty.com/Collector-car-insurance/~/link.aspx?_id=6F1D8962EBE54B60 B951C6B45CABE1F4&_z=z).

Vehicles that may not qualify


There are some vehicles we do not cover due to their limited collectability, the way they are used and/or the extraordinary risk their use may pose, including:

Camping, off-road or utility-type vehicles
Daily-use vehicles
Commercial-use vehicles
Motorcycles with performance modifications
Any vehicle modified with nitrous components
Dune Buggies
Newer Vehicles: limited production, exotic & special interest


Low production numbers, sports cars, and special edition vehicles are characteristics of 1990 and newer vehicles we consider a fit for our program.
The following guidelines apply for newer vehicles:

Vehicle must be in excellent condition
Minimum value


1990’s vehicles - $10,000
2000 and newer - $15,000


Your regular-use vehicle must be


No more than ten years old when insuring a 1990’s vehicle
No more than five years old when insuring a 2000 and newer vehicle

[Ozark Marauder]

I just looked at my title, Make says Mercury, it's blank under the Model section, Body style says FODOR. When applying for insurance, they asked if it was a MGM or a Marauder. I said Marauder. Have you tried to bundle all your insurance? Having all my insurance bundled through the agency, Full coverage with 250.00 deductible, costing 580.00 a year. My insurance card says 2003 Mercury Marauder. Of course, I'm quite a bit older than you, no tickets, no accidents, and my car is stock, no mods.

I would not lie to them and tell them it's a MGM, could be misconstrued as fraud in case of a claim. I agree that you might try just giving them the VIN and get a quote. I assume if you read your policy it doesn't cover all your goodies now at this time.

Best idea is to shop around, total up what you think it's total replacement value, insure it for that value, check Grundy and others who insure for dollar replacement value, be honest.......

[justbob]

Why would you lie about what you have??? If you wreck it, have fun explaining yourself or getting GM value.

Speed equipment. If you total your car and they happen to notice a super charger in your case, they can rightfully deny your claim!

My state farm agent didn't raise one eyebrow, or dollar for that matter, in regaurds to my S/C. He said mod away, take pics, reciepts nice but not needed, have fun and drive safe.

Sent from my Ally using Tapatalk

[MyBlackBeasts]

You should lie to the insurance company in order to keep your rates down....
They are a business that does not need any profits!

Ummm... You should never lie in ANY insurance transaction. It is a breach of contract. If in a claim situation it is found you provided false information it allows the insurance company to decline the claim. This means you paid a whole bunch of premium $$$ yet now get to eat all the incident costs to your vehicle, the other person's vehicle/property and all bodily injuries/judgement decrees/wrongful death.

You also never want to provide any more info than asked. Give year make & VIN. Only offer Model if asked.

Generally it is the DRIVER not the CAR that creates high premiums. I have many clients that are paying $500 year full coverage 500k policies on ZR1 Corvettes, etc.

[Da Dark Jedi]

The QUESTION(S) to Dom is; Have you called ANY ins co to compare rates? Have you talked to your parents Ins co to see if they will work with you? How about your GF's Ins co, she about your age whats her rates? Will she be on the same plan as you? Do you have credit?

As a young driver and first time policy holder you are going to pay a premium peroid. Try and ask your friends (who is the same age) who insures them. So far the advice you got here is good to a point and that point is age, credit history, previous insurance history. Lets hear from other members here that own a Marauder (thats in the same age and first time insurance holders) speak on this.

Dom I await your response!

[Da Dark Jedi]

I just looked at my title, Make says Mercury, it's blank under the Model section, Body style says FODOR. When applying for insurance, they asked if it was a MGM or a Marauder. I said Marauder. Have you tried to bundle all your insurance? Having all my insurance bundled through the agency, Full coverage with 250.00 deductible, costing 580.00 a year. My insurance card says 2003 Mercury Marauder. Of course, I assume if you read your policy it doesn't cover all your goodies now .......



The points we seem to be missing is; We have a 25-26 year old buying vehicle Ins for the first time. He's asking what's on everybodys plan and I see members who are married, had Ins policies before and over his (Dom) age. Right now we are tring to compare apples to oranges. He has yet to give any info on what his research has given him or how many (his GF / WIFE) whose the same age will be own.

So far he has given us bread without the meat (or butter). Keep it in his parents name is cheap for full coverage, until something happens.

[Joe Walsh]

Ummm... You should never lie in ANY insurance transaction. It is a breach of contract. If in a claim situation it is found you provided false information it allows the insurance company to decline the claim. This means you paid a whole bunch of premium $$$ yet now get to eat all the incident costs to your vehicle, the other person's vehicle/property and all bodily injuries/judgement decrees/wrongful death.

You also never want to provide any more info than asked. Give year make & VIN. Only offer Model if asked.

Generally it is the DRIVER not the CAR that creates high premiums. I have many clients that are paying $500 year full coverage 500k policies on ZR1 Corvettes, etc.

I know....Sorry, I was being facetious.....

Dom never seems to take any good advice when it is offered and always wants to be a rebel bucking 'the system' so I jokingly suggested what I felt Dom would eventually end up doing anyway.

[TAKEDOWN]

I agree get as much covered as possible and don't hide it. BTW "MyBlackBeasts" you got a nice combo there!

[jstevens]

Well I am saying if something happens like being stolen I would probably just get enough money to get another Marauder. Not another Marauder and a supercharger, headers, exc. I wanna make sure I get the exact car back.

But I was thinking full coverage and just hoping nothing happens.

Dom,

I spoke to my insurance company (USAA) due to my s/c. They said I am good up to $5K for mods as long as I have pics/documentation to prove them.

for what its worth.

[BUCKWHEAT]

My state farm agent didn't raise one eyebrow, or dollar for that matter, in regaurds to my S/C. He said mod away, take pics, reciepts nice but not needed, have fun and drive safe.

Sent from my Ally using Tapatalk

I would be skeptical. I had an allstate agent that blew that smoke up my, er, tailpipe for 15 years. Claim-time came and he said 'sorry'. I tried to get stated value and was refused several years ago. If not a daily driver, Hagerty and Grundy might be the best way to go. Current FMV on an 03MM won't even cover the cost of my engine, let alone the other stuff.

Also, if you have an accident, consider having the tow truck take the car to your house, not to the insurance pool yard. That way your performance parts won't 'walk' away.

[jsignorelli]

I have a 2004 MM. My policy lists it as a Marauder, which does have higher value than a Grand Marquis. Give your VIN and make sure that it is on the policy. This way, in case you have a claim, the VIN proves that they owe you for a Marauder, which is more than what a Marquis is worth.
Bye the way, most of my Mustangs are listed the way they left the factory on the general insurance policy. None of my mods are known. I am willing to lose some money just to have fun daily drivers.
Only the cars on my collector policy have all of the mods listed, as well as the professional appraisals. These cars are irreplaceable, including my "93 GT.

[sailsmen]

Most Auto Insurance policies the auto is valued at "Actual Cash Value". The courts have defined that as meaning anything and everything that relates to the value must be considered in determing ACV.

Generally what you could have sold your car for before it was damaged. If you replace the car you can usually include the sales tax on top of the ACV. Different insurance companies will use different methods to determine the ACV. Some will use a service, some will use NADA, classifieds in your area, etc.

"Stated Value" means the insurance company has limited their policy to not pay more than the Stated Value.

"Agreed Value" means the insuranc company has agreed that is the value of the car.

[MyBlackBeasts]

I know....Sorry, I was being facetious.....

Dom never seems to take any good advice when it is offered and always wants to be a rebel bucking 'the system' so I jokingly suggested what I felt Dom would eventually end up doing anyway.

Good. I'm sorry, did not realize you weren't serious. I'm new to the site and am getting aquainted with the charachters on it. I deal frequently with the personal tragedies of people who are hurt because they don't know how insurance works or believed incorrectly about situations because they listened to a friend or relitive that gave them wrong info/advice because they were not correctly informed. Everybody thinks the insurance company is evil or bad or is screwing the policy holder. There are examples of this of course but they are very, very rare and the free market works well to correct. Unfortunatrely 99% of the issues are policy holders not knowing what they own for a policy (because they failed to be an informed consumer which they are required to be or they were given incorrect info by an agent which the consumer is protected from by the agents E&O coverage). The company fullfils its contractual obligation to the claimant, the claimant is not happy because the settlement is not what they expected because they did not know what their policy was and of course the bad word of mouth ensues. This is not the insurance company's fault, it is the client who did not read/understand their contract. Another words, they did not "know what they owned" and assumed. We all know what "ASSUME" means. When it comes to coverage there are 4 ways a car can be insured: ACV (actual cash value), Premium Determination, Agreed Value and Stated Value. Here are the differences (using a total loss situation):
--ACV - this is the most common policy and is somewhat misunderstood. The insurance company will cut you a check to replace (the value) of what you lost. KBB numbers have nothing to do with this. KBB BB has been a useless reference (at least for insurance settlements) for years. Most settlements are based on a formula (and is done by a 3rd party vendor that specializes in this) where they locate 5 of the same vehicles for sale in a certain radius. They then make allowances for differences in condition, miles and features. Averge the final numbers and then cut you a check for that amount so you are made whole again. IE; KBB may say BB on your totalled Escort is $4000 but you can go down the road and buy 20 of them just like it for $2000. Converselly, KBB BB may say BB on your Camaro is $4000 but the average price to buy one is $6000. The system is designed to put you back to where you were before the loss (minus deductible).

--Premium Determination - this is where most people get screwed by not knowing their policy (this is where BUCKWHEAT most likely had an issue. If he was given wrong info by the agent a claim against the agent's E&O [Errors & Ommissions] policy would have compensated him for the missing difference). You tell agent the car is worth $20,000. The company calculates a premium based on the 20k. BUT a loss is still subject to ACV! The 20k is a cap on the amount they will pay. If in a loss the ACV is determined to be 16k you get a check for 16k, not 20k. If ACV is determined to be 24k, you get a check for 20k (the cap) not 24k.

--Agreed Value - You and the company agree on a value of 20k, you get a check for 20k (minus ded)

--Stated Value - (this is how most good collector policies work) you say the car is worth 20k, you pay a premium based on 20k and in a loss you get a check for 20k (minus any applicable ded).

I'd be happy to answer any other questions anyone may have about ins. :beer:

[MyBlackBeasts]

BTW "MyBlackBeasts" you got a nice combo there!

Thanks. As the SS is stored I don't get to enjoy it much (as I'd like to). The past 4 weeks with my new DD 300a have been a blast! Looking forward to future interaction with this group! What a great bunch of people! :D

[Da Dark Jedi]

WOW! That says alot, now I went thru a simular situation before, never liked it. Now here is my question. Is it possible to over insure your vehicle? This is a just in case things happen so you can cover add-on's. Lets deal with SC's and car audio how would you set up a policy for these items?

[sailsmen]

Good. I'm sorry, did not realize you weren't serious. I'm new to the site and am getting aquainted with the charachters on it. I deal frequently with the personal tragedies of people who are hurt because they don't know how insurance works or believed incorrectly about situations because they listened to a friend or relitive that gave them wrong info/advice because they were not correctly informed. Everybody thinks the insurance company is evil or bad or is screwing the policy holder. There are examples of this of course but they are very, very rare and the free market works well to correct. Unfortunatrely 99% of the issues are policy holders not knowing what they own for a policy (because they failed to be an informed consumer which they are required to be or they were given incorrect info by an agent which the consumer is protected from by the agents E&O coverage). The company fullfils its contractual obligation to the claimant, the claimant is not happy because the settlement is not what they expected because they did not know what their policy was and of course the bad word of mouth ensues. This is not the insurance company's fault, it is the client who did not read/understand their contract. Another words, they did not "know what they owned" and assumed. We all know what "ASSUME" means. When it comes to coverage there are 4 ways a car can be insured: ACV (actual cash value), Premium Determination, Agreed Value and Stated Value. Here are the differences (using a total loss situation):
--ACV - this is the most common policy and is somewhat misunderstood. The insurance company will cut you a check to replace (the value) of what you lost. KBB numbers have nothing to do with this. KBB BB has been a useless reference (at least for insurance settlements) for years. Most settlements are based on a formula (and is done by a 3rd party vendor that specializes in this) where they locate 5 of the same vehicles for sale in a certain radius. They then make allowances for differences in condition, miles and features. Averge the final numbers and then cut you a check for that amount so you are made whole again. IE; KBB may say BB on your totalled Escort is $4000 but you can go down the road and buy 20 of them just like it for $2000. Converselly, KBB BB may say BB on your Camaro is $4000 but the average price to buy one is $6000. The system is designed to put you back to where you were before the loss (minus deductible).

--Premium Determination - this is where most people get screwed by not knowing their policy (this is where BUCKWHEAT most likely had an issue. If he was given wrong info by the agent a claim against the agent's E&O [Errors & Ommissions] policy would have compensated him for the missing difference). You tell agent the car is worth $20,000. The company calculates a premium based on the 20k. BUT a loss is still subject to ACV! The 20k is a cap on the amount they will pay. If in a loss the ACV is determined to be 16k you get a check for 16k, not 20k. If ACV is determined to be 24k, you get a check for 20k (the cap) not 24k.

--Agreed Value - You and the company agree on a value of 20k, you get a check for 20k (minus ded)

--Stated Value - (this is how most good collector policies work) you say the car is worth 20k, you pay a premium based on 20k and in a loss you get a check for 20k (minus any applicable ded).

I'd be happy to answer any other questions anyone may have about ins. :beer:

I have never heard the term Premium Determination. In my experience that is called Stated Value as in you Stated the Value and that is what the premium is based on.

It might be our different geographics that different terms are being used.

I suggest when getting the value definition on any policy you purchase.

[whd507]

Farmers lists my 03 as a Grand Marquis, with Marauder as the sub-model. I probabaly need to adjust the replacement value up a bit due to what they seem to be going for now.

I need to ask, (but hate to ask) I might be taking a big promotion soon, and while the "garaged" zipcode will still be the rural SW Missouri Ozarks, as I am not moving the family, but several days a week it will be sitting in a much less desirable zipcode in SW Tennessee... I hate to even broach the subject...

[MyBlackBeasts]

WOW! That says alot, now I went thru a simular situation before, never liked it. Now here is my question. Is it possible to over insure your vehicle? This is a just in case things happen so you can cover add-on's. Lets deal with SC's and car audio how would you set up a policy for these items?

That is a good question and with anything lawyer related the answer is yes & no. With a regular policy offered thru std companies, no. You could insure (and pay rates for) $50,000 in coverage but in a claim situatiuon if the ACV was found to be $35,000 you get a check for 35k not 50k.

If you get a collector/modified vehicle policy with agreed or stated value the insured amount will include any mods. If you make further mods you just update the policy to reflect this. The problem with these type of policies is they usually have mileage restrictions with them. They are specifically designed for the driveway queen/seasonally stored vehicle (and the premium reflects this, as low as $150yr).

1st thing is to locate a policy that covers the driving type your car is then go from there. If a daily driver some companies will cover a certain amount of $ in accessories. Every company is different in this, some cover $0 accessories - whatever is associated with the VIN is covered and that is all.

Most people with Modified DD just get a std policy and take on the mods risk themselves.

Many varying scenarios in this. They key is to know what you have so you don't feel screwed with the settlement if something happens.

[MyBlackBeasts]

I have never heard the term Premium Determination. In my experience that is called Stated Value as in you Stated the Value and that is what the premium is based on.

It might be our different geographics that different terms are being used.

I suggest when getting the value definition on any policy you purchase.

Yes but READ your policy definitions. Probably 40% agents out there don't know what they are selling and 99% of 1-800 and interrnet sales people are clueless as they do not understand what they are selling. It is up to YOU to know what you own.

It is not geographic. Prem Det is a term used on the agent/company side. A consumer would not know it.

I'll use a personal story to explain. In 12/07 I had a prospect come to me for quotes. As I am a Consultive Agent and not a Sales Agent I actually reviewed his policies and found he was drastically underinsured on all aspects. $250k underinsured on his house, $1.2 mil underinsured on auto liability and his wife's MGB toy was insured by a major company we see advertising on tv and the agent told her it was a stated value policy. I knew they did not have a SV policy, tried to get het to switch right away but she insisted on letting the MGB policy term out and then flip to our Company's Collector SV policy on renewal. 3 weeks later they were hit by a tornado and lost the house and 4 cars. We replaced the house, personal property, etc as it was now correctly insured and 3 of the cars. She submitted the claim to their old agent for the MGB and the Major Company tried to settle for 4kACV vs the 8k it was insured for. After many weeks of back & forth the agent fessed up to what she said and the company paid the policy 8k amount in good faith even though they were not contractually obligated too. Had she not, the MGB policy would not have paid what the client was originally told.

She was lucky, most people aren't.

[MyBlackBeasts]

Farmers lists my 03 as a Grand Marquis, with Marauder as the sub-model. I probabaly need to adjust the replacement value up a bit due to what they seem to be going for now.

I need to ask, (but hate to ask) I might be taking a big promotion soon, and while the "garaged" zipcode will still be the rural SW Missouri Ozarks, as I am not moving the family, but several days a week it will be sitting in a much less desirable zipcode in SW Tennessee... I hate to even broach the subject...

As long as you are not moving and are returning home you need not say anything. Leave as is. If you were setting up a 2nd household and stayed there returning home every 90 days or so that would be different and you would need to report a different garaging address to your agent.

[MyBlackBeasts]

[QUOTE=whd507;1089514]Farmers lists my 03 as a Grand Marquis, with Marauder as the sub-model. I probabaly need to adjust the replacement value up a bit due to what they seem to be going for now. QUOTE]

You need not do this. Any settlement would be based on what the vehicle is so settlement would be on a MM not a GM. If you had a fake MM like a GM dressed as a MM then the settlement would be on a GM and not a MM. (Unless you have mods, then you need to contact your agent. Some are covered, some are not.)

[Vortex]

I think most of us agree a Marauder is not a Grand Marquis. Unfortunately, that is what the insurance company will base their claim on when calculating a payoff. Resale, ACV or whatever for an eight year old Grand Marquis isnt so hot. When I had my Marauder I went with Hagerty's where you can agree on a specific amount of value for your car ahead of time. I think Grundy is similar. If you plan on keeping your Marauder but want to protect your investment you might want to check them out.

[Chayton]

[QUOTE=johnpeterr;1135509][COLOR=#333333][FONT=Arial]Most conventional insurance plans cover a whole spectrum of services such as routine doctor visits, emergency care, and hospital visits. If you have a plan that provides coverage for all types of services, you can have peace of mind knowing that you won't have major out of pocket expenses when a medical issue arises. However, all policies are not the same.blahblahblah spam spam spam
--------------


HAHAHAHAHAHAHAHAHAHAHAHAHAHAHA HAHA


WTF what idiot trys to spam health insurance on a CAR FORUM. HAHAHA how did this even... what... hahaha :hijack::hijack::laugh::laugh:

[martyo]

HAHAHAHAHAHAHAHAHAHAHAHAHAHAHA HAHA


WTF what idiot trys to spam health insurance on a CAR FORUM. HAHAHA how did this even... what... hahaha :hijack::hijack::laugh::laugh:

When you quote a spam post, it makes it that much more difficult for a mod/admin to clean up.

Consider that.

[guspech750]

So, sounds like if my Flux Capasitor needs to be replaced in my time machine. Sounds like it would be covered then. Sweet deal!! Now I just need to find a lightning bolt.


---
- Sent from my iPhone
Eaton Swap + 4.10's = Wreeeeeeeeeedom!!

[Chayton]

When you quote a spam post, it makes it that much more difficult for a mod/admin to clean up.

Consider that.

considered and fixed :rolleyes:

edit: and im not sure what you're trying to say, that because the link is quoted in my post, people are still vulnerable to the spam?? I made it pretty obvious that it was spam.

[Chayton]

When you quote a spam post, it makes it that much more difficult for a mod/admin to clean up.

Consider that.

dont forget to get on guspech750 for it as well. :P JK

[Da Dark Jedi]

dont forget to get on guspech750 for it as well. :P JK


Hey guspech, the kid just threw you under the train. What makes you think he wants to be joke with by you???

[Chayton]

Hey guspech, the kid just threw you under the train. What makes you think he wants to be joke with by you???

Im just joking, It wasn't meant as an insult or anything other than a joke towards guspech. nor was it meant to "throw him under the train." sigh....

[SC Cheesehead]

Im just joking, It wasn't meant as an insult or anything other than a joke towards guspech. nor was it meant to "throw him under the train." sigh....

http://talentedapps.files.wordpress.c om/2011/03/xyz123abc.jpg?w=300&h=225


:D

[Chayton]

http://talentedapps.files.wordpress.c om/2011/03/xyz123abc.jpg?w=300&h=225


:D

hahaha oh no not the soup nazi!

[71cyclone]

Farmers lists my 03 as a Grand Marquis, with Marauder as the sub-model. I probabaly need to adjust the replacement value up a bit due to what they seem to be going for now.

I need to ask, (but hate to ask) I might be taking a big promotion soon, and while the "garaged" zipcode will still be the rural SW Missouri Ozarks, as I am not moving the family, but several days a week it will be sitting in a much less desirable zipcode in SW Tennessee... I hate to even broach the subject...
LIBERTY MUTUAL- KNOWS THE DIFFERENCE/ be advised ,a few other companies know also :burnout: