Insurance
Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Insurance
Hello. Thought Id pass this on about my policy at the insurance company.
If you only need Liability coverage for yourself try the OPERATORS policy it covers you as a driver and not the car. So you can own 10 cars and drive any one at any time and be covered, and pay 1 price.
I pay 48.00 a month and own 5 cars.
Only avail threw Sentry insurance. Any level of coverage is avail.
If you only need Liability coverage for yourself try the OPERATORS policy it covers you as a driver and not the car. So you can own 10 cars and drive any one at any time and be covered, and pay 1 price.
I pay 48.00 a month and own 5 cars.
Only avail threw Sentry insurance. Any level of coverage is avail.
Last edited by illenema; Feb 27, 2008 at 06:38 PM.
Le Mans Master
Joined: Dec 2000
Posts: 7,839
Likes: 22
From: San Diego, Ca
I've never seen an "Operators" Policy provide any Coverage for the vehicle you're operating - maybe something has changed? Most of these are written for Liability only and often as excess to any other Coverage on the car.
Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Insurance
mine tops out at 300,000. but i just carry the minimum.
Call around and insure 2 cars for minimum liability see what you get.
My company is called dairyland insurance abd its a division of sentry.
I have saved enough over the years to cover the cost of this car twice over. Might want to call
Pro
Joined: Feb 2006
Posts: 679
Likes: 5
From: Caught between the moon and New York City TX
Yes its liability only. But you pick the limit of coverage as far as amount,
mine tops out at 300,000. but i just carry the minimum.
Call around and insure 2 cars for minimum liability see what you get.
My company is called dairyland insurance abd its a division of sentry.
I have saved enough over the years to cover the cost of this car twice over. Might want to call
mine tops out at 300,000. but i just carry the minimum.
Call around and insure 2 cars for minimum liability see what you get.
My company is called dairyland insurance abd its a division of sentry.
I have saved enough over the years to cover the cost of this car twice over. Might want to call
In today's litigious world, why would you carry only the minimum liability (in my state that's like $20,000)? If you manage to run into a Porsche or high dollar Mercedes, with minimum limits the insurance company will throw in the policy (i.e. pay the $20,000) and leave you on your own to deal with the excess liability. If the total damage is say, $75,000, the insurance company pays their $20,000 and you have to come up with the extra $55k.
And, God forbid you should run into a school bus and send 25 or 30 of those little urchins to the ER.
I hate to pay those insurance premiums as much as any one, but I don't want to lose my house if the brakes on my car fail.
Just my $0.02
Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Coverage
In today's litigious world, why would you carry only the minimum liability (in my state that's like $20,000)? If you manage to run into a Porsche or high dollar Mercedes, with minimum limits the insurance company will throw in the policy (i.e. pay the $20,000) and leave you on your own to deal with the excess liability. If the total damage is say, $75,000, the insurance company pays their $20,000 and you have to come up with the extra $55k.
And, God forbid you should run into a school bus and send 25 or 30 of those little urchins to the ER.
I hate to pay those insurance premiums as much as any one, but I don't want to lose my house if the brakes on my car fail.
Just my $0.02
And, God forbid you should run into a school bus and send 25 or 30 of those little urchins to the ER.
I hate to pay those insurance premiums as much as any one, but I don't want to lose my house if the brakes on my car fail.
Just my $0.02
I am on the road 8hrs a day. This insurance is for liability only. if you finance your cars you are out of luck. My moto of you cant pay cash, I don't get it. I don't pay interest on deprecation and then full coverage on top of that. I pay 600 a year with my operators policy.
Ive contacted other insurance agency's and have been quoted 2000 for the same coverage. Thats the point im making. Its worked well and will continue to work well. if you want 300,000 in coverage you may need its available. This operators policy covers only the driver not the car
I was in the insurance company's office and almost fell out of the chair when i heard what people are paying for coverage.
Racer
Joined: Apr 2007
Posts: 367
Likes: 1
From: Shakopee Minnesota
Hello. Thought Id pass this on about my policy at the insurance company.
If you only need Liability coverage for yourself try the OPERATORS policy it covers you as a driver and not the car. So you can own 10 cars and drive any one at any time and be covered, and pay 1 price.
I pay 48.00 a month and own 5 cars.
Only avail threw Sentry insurance. Any level of coverage is avail.
If you only need Liability coverage for yourself try the OPERATORS policy it covers you as a driver and not the car. So you can own 10 cars and drive any one at any time and be covered, and pay 1 price.
I pay 48.00 a month and own 5 cars.
Only avail threw Sentry insurance. Any level of coverage is avail.
First of all, you're an idiot. It's a non-owners policy. So If you try to make a claim, the company will not cover you if you own the vehicles. The policy is for people who do not own a vehicle, but are required to have insurance to get their Drivers License back
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Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Insurance
Well your misinformed research before opening you big mouth.
Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Insurance
It is liability only. So your car isnt covered just your actions. Ive had to claims on this policy with excellent results. its served me well for 18 years.
I own 5 cars. I can drive any one at any time for 1 low payment.
I called Other insurance companys here in Las vegas and got quotes of over 1700$.
Like i said i got the vette for free.
Instructor
Joined: Dec 2007
Posts: 100
Likes: 0
From: Phoenix AZ
Just not a very good one, huh? Ever occur to you that insurance policies differ by state?
http://www.motorists.org/insurance/h...ner-insurance/
He does live in Nevada by the way - I bought his old car from him.
http://www.motorists.org/insurance/h...ner-insurance/
He does live in Nevada by the way - I bought his old car from him.
Racer
Joined: Apr 2007
Posts: 367
Likes: 1
From: Shakopee Minnesota
Just not a very good one, huh? Ever occur to you that insurance policies differ by state?
http://www.motorists.org/insurance/h...ner-insurance/
He does live in Nevada by the way - I bought his old car from him.
http://www.motorists.org/insurance/h...ner-insurance/
He does live in Nevada by the way - I bought his old car from him.
Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Insurance
I have a policy and my wife has a policy. Between us we can drive any or all cars and be covered. Much less then a "Package deal" I don't spend Big bucks on cars so I go threw many. This beats getting coverage for every new car. You will assigned a Fleet number. For the DMV. Please do call dairyland. Ive had several people thank me for the tip.
Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Insurance
I have a policy and my wife has a policy. Between us we can drive any or all cars and be covered. Much less then a "Package deal" I don't spend Big bucks on cars so I go threw many. This beats getting coverage for every new car. You will assigned a Fleet number. For the DMV. Please do call dairyland. Ive had several people thank me for the tip.
The operators policy covered all medical and damage to the other car.
Cost out of my pocket? =$00.00 I had a damage waiver on the rental Best 10.00 i ever spent 30,000 plus car.
I had another incident with a car I own another claim 7500.00 they covered. Dairyland.
Elite Torch Red Member
Joined: Sep 1999
Posts: 57,805
Likes: 23
From: Exit 89 GSP,Lakewood,NJ The Land Of Mojo
Cental/South NJ Events Coordinator
CI 1-2-3-4-5-6-7-8-9-10-11-12 Vet
CI-II Burnout & Drag Champ
St. Jude Donor '03-'04-'05-'06-'07
I pay $600 for each vette and I'm happy with my $300,000 liability.
My old boss had that as well, but he also had one regisration for all is vehicles(pain when you have to switch trucks and switch plates and then forget to switch them back-he wasn't too bright).
Why would you only want the minimum? For as cheap as insurance is(for me anyway) I go with the max. Same for my house, thank God I had coverage for my inground oil tank. When they pulled it, it started leaking. Guess what? I'm covered.
My old boss had that as well, but he also had one regisration for all is vehicles(pain when you have to switch trucks and switch plates and then forget to switch them back-he wasn't too bright).
Must have hit a nerve there. Well the fact is and operators policy is an effective way to cover 1 driver for multiple cars trucks whatever.
It is liability only. So your car isnt covered just your actions. Ive had to claims on this policy with excellent results. its served me well for 18 years.
I own 5 cars. I can drive any one at any time for 1 low payment.
I called Other insurance companys here in Las vegas and got quotes of over 1700$.
Like i said i got the vette for free.
It is liability only. So your car isnt covered just your actions. Ive had to claims on this policy with excellent results. its served me well for 18 years.
I own 5 cars. I can drive any one at any time for 1 low payment.
I called Other insurance companys here in Las vegas and got quotes of over 1700$.
Like i said i got the vette for free.
Thread Starter
Melting Slicks
Joined: Oct 2007
Posts: 2,310
Likes: 9
From: KB7TIF Ville NV
Insurance
I pay $600 for each vette and I'm happy with my $300,000 liability.
My old boss had that as well, but he also had one regisration for all is vehicles(pain when you have to switch trucks and switch plates and then forget to switch them back-he wasn't too bright).
Why would you only want the minimum? For as cheap as insurance is(for me anyway) I go with the max. Same for my house, thank God I had coverage for my inground oil tank. When they pulled it, it started leaking. Guess what? I'm covered.
My old boss had that as well, but he also had one regisration for all is vehicles(pain when you have to switch trucks and switch plates and then forget to switch them back-he wasn't too bright).
Why would you only want the minimum? For as cheap as insurance is(for me anyway) I go with the max. Same for my house, thank God I had coverage for my inground oil tank. When they pulled it, it started leaking. Guess what? I'm covered.
Le Mans Master
Joined: Dec 2000
Posts: 7,839
Likes: 22
From: San Diego, Ca
Well this is how good the coverage is. I rented a brand new sports car from a local budget or something. Well like a complete fool I fell asleep at the wheel and totaled the rental car and causing big time damage to the car I hit. Also injured the passenger in the other car.
The operators policy covered all medical and damage to the other car.
Cost out of my pocket? =$00.00 I had a damage waiver on the rental Best 10.00 i ever spent 30,000 plus car.
I had another incident with a car I own another claim 7500.00 they covered. Dairyland.
The operators policy covered all medical and damage to the other car.
Cost out of my pocket? =$00.00 I had a damage waiver on the rental Best 10.00 i ever spent 30,000 plus car.
I had another incident with a car I own another claim 7500.00 they covered. Dairyland.
Racer
Joined: Apr 2007
Posts: 367
Likes: 1
From: Shakopee Minnesota
Safety Car
Joined: Oct 2007
Posts: 3,816
Likes: 0
From: :45 minutes from everywhere / E-I-E-I-O
In today's litigious world, why would you carry only the minimum liability (in my state that's like $20,000)? If you manage to run into a Porsche or high dollar Mercedes, with minimum limits the insurance company will throw in the policy (i.e. pay the $20,000) and leave you on your own to deal with the excess liability. If the total damage is say, $75,000, the insurance company pays their $20,000 and you have to come up with the extra $55k.
And, God forbid you should run into a school bus and send 25 or 30 of those little urchins to the ER.
I hate to pay those insurance premiums as much as any one, but I don't want to lose my house if the brakes on my car fail.
Just my $0.02
And, God forbid you should run into a school bus and send 25 or 30 of those little urchins to the ER.
I hate to pay those insurance premiums as much as any one, but I don't want to lose my house if the brakes on my car fail.
Just my $0.02
If you have nothing to protect, get minimum insurance.
I have MUCH to protect now, ironically because of redundant high-limit insurance policies that were in place when a drunk lost a game of ultimate chicken with me (it wasn't totally without cost tho' - I got a ghetto hobble now, and if I COULD run, it would be like willie here --->
)Before that, I did have comp coverage, but minimum limits even then.