Denied Coverage... Z51
Racer
Joined: Dec 2011
Posts: 363
Likes: 3
I bet your a million bucks that insurance heard the word customized sports car and decided right then and their to terminate your policy. What type of MOD you made or may be making does not matter to them. They simply heard higher horsepower more risk. I once called Gieco for a insurance quote. They ask me did I own a radar detector. When I answered yes they replied they could not offer me anytype of policy and would not continue the conversation at all. You have now been flagged by them and nothing you can tell them is going to get them to change their minds. Sad but true.
Reggie
Reggie
Team Owner
Joined: Nov 2001
Posts: 45,000
Likes: 585
My insurance company called me today to tell me my request to cover "customized parts" was denied. And that I would have to insure my Corvette elsewhere after the end of this six month policy... Why do you ask??? Because my car as an "Upgraded" suspension... Yea that's right... a Z51 suspension from factory... I tried to explain to the lady and her manager... but neither one would have it. The only way they would reconsider is if I had dealer documentation... So I called my chevy dealer who said that they didn't have the information because my car was too old... I told my insurance company how stupid they were... Since a good amount, maybe 60% of corvettes 5&6 Gen. had that option from factory...
Any ideas on what to do? By the way this is with 21st Century. Maybe I should switch???
/end rant
Any ideas on what to do? By the way this is with 21st Century. Maybe I should switch???
/end rant
Le Mans Master
Joined: Feb 2007
Posts: 9,294
Likes: 1,527
From: Oviedo Florida
2024 C5 of the Year Finalist - Modified
2024 C2 of the Year Finalist - Modified
2023 C2 of the Year Finalist - Modified
2021 C2 of the Year Finalist - Modified
2016 C5 of Year Finalist
Good company but will not insure extra speed parts beyond
$5000. They changed their policy. I had to take the vette to
Adam. Glad I did.
Now why would you waste so much time on a company that
does not want your business and I am sure you can get better
coverage some where else. They are probably doing you a
favor.
$5000. They changed their policy. I had to take the vette to
Adam. Glad I did.
Now why would you waste so much time on a company that
does not want your business and I am sure you can get better
coverage some where else. They are probably doing you a
favor.
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Burning Brakes
Joined: Apr 2010
Posts: 1,075
Likes: 4
From: Asheville NC
Seriously, I'd take them all away. I have everything with State Farm, annuity, 4 cars, home, 3 different "personal" policies, plus an "umbrella liability" policy with them, and they do know, treat me bad, and they are all gone.
I'm not anyone special, I just let companies I do business with know how I am, that's all.
I'm not anyone special, I just let companies I do business with know how I am, that's all.
Melting Slicks
Joined: Jul 2011
Posts: 2,055
Likes: 864
From: So Cal
Do not waste time & energy trying to satisfy underwriters at 21st Century. There are two large companies in particular that you do not want auto or home insurance with and 21st Century is one of them. The other is Allstate. You don't want Allstate in particular. Anyone who defends these two companies simply doesn't understand the long term realities of the insurance world.
AAA - yes
USAA - yes
State Farm - yes
& there are a number of other good companies.
There are four aspects to consider with respect to such insurance purchases:
1. What is the premium the first few years?
2. What will the premium be after the first few years?
3. What is the claim payment record on small and medium claims?
4. What is the claim payment record on large and huge claims?
You also might want to consider how flexible any company is with respect to covering unusual items such as a highly modified corvette.
The Corvette Museum and other collector car specialty houses are always worthy of consideration.
AAA - yes
USAA - yes
State Farm - yes
& there are a number of other good companies.
There are four aspects to consider with respect to such insurance purchases:
1. What is the premium the first few years?
2. What will the premium be after the first few years?
3. What is the claim payment record on small and medium claims?
4. What is the claim payment record on large and huge claims?
You also might want to consider how flexible any company is with respect to covering unusual items such as a highly modified corvette.
The Corvette Museum and other collector car specialty houses are always worthy of consideration.
Burning Brakes
Joined: Apr 2010
Posts: 1,075
Likes: 4
From: Asheville NC
Do not waste time & energy trying to satisfy underwriters at 21st Century. There are two large companies in particular that you do not want auto or home insurance with and 21st Century is one of them. The other is Allstate. You don't want Allstate in particular. Anyone who defends these two companies simply doesn't understand the long term realities of the insurance world.
AAA - yes
USAA - yes
State Farm - yes
& there are a number of other good companies.
There are four aspects to consider with respect to such insurance purchases:
1. What is the premium the first few years?
2. What will the premium be after the first few years?
3. What is the claim payment record on small and medium claims?
4. What is the claim payment record on large and huge claims?
You also might want to consider how flexible any company is with respect to covering unusual items such as a highly modified corvette.
The Corvette Museum and other collector car specialty houses are always worthy of consideration.
AAA - yes
USAA - yes
State Farm - yes
& there are a number of other good companies.
There are four aspects to consider with respect to such insurance purchases:
1. What is the premium the first few years?
2. What will the premium be after the first few years?
3. What is the claim payment record on small and medium claims?
4. What is the claim payment record on large and huge claims?
You also might want to consider how flexible any company is with respect to covering unusual items such as a highly modified corvette.
The Corvette Museum and other collector car specialty houses are always worthy of consideration.
Drifting
Joined: Aug 2008
Posts: 1,391
Likes: 249
From: Orange County CA
Otherewise I was going to. One can also buy the factory "build sheet" to. Seems like that would be all the documentation needed.But........I'd just dump 'em and find a different ins. company.
Le Mans Master
Joined: Jul 2009
Posts: 9,526
Likes: 12
From: Los Angeles California
Alliance United here. I've had them for about 3 years. They took care of my totaled 02 Z with no problems whatsoever. They're also likely the most affordable since they don't spend a billion dollars a year to advertise. I found them through an insurance broker. They were 1/2 the price of every other insurance company I'd tried (including Mercury, All-state, Farmers, "The General" which is a scam, and Safeco) with the same exact coverage.
Advanced
Joined: May 2012
Posts: 57
Likes: 0
Allstate is the WORST insurance company out there. I don't want to get into specifics yet as I am just finishing up my case against them(3 years), but take it from someone who has a BIG Allstate dagger in their back-RUN from Allstate. 40 year customer home/auto and never had one claim, comes time to pay and they go out of their way to screw and manipluate. Ask any body shop or repair place that has to deal with them and they will say the same. RUN!!!(I will be posting more info in a seperate thread as time and situation allows)
Le Mans Master
Joined: Jul 2009
Posts: 9,526
Likes: 12
From: Los Angeles California
Allstate is the WORST insurance company out there. I don't want to get into specifics yet as I am just finishing up my case against them(3 years), but take it from someone who has a BIG Allstate dagger in their back-RUN from Allstate. 40 year customer home/auto and never had one claim, comes time to pay and they go out of their way to screw and manipluate. Ask any body shop or repair place that has to deal with them and they will say the same. RUN!!!(I will be posting more info in a seperate thread as time and situation allows)
Melting Slicks
Joined: Nov 2009
Posts: 2,922
Likes: 219
From: West Branch, MI
On a side note, Adam at NCM and Leland West (and some others) are resellers for American Modern Ins. From all the reports I've seen or read, if anyone had a claim, it was almost instantaneous payments. No hassle whatsoever.
Last edited by CactusCat; Jun 23, 2012 at 11:31 AM.
Le Mans Master
Joined: Mar 2011
Posts: 6,835
Likes: 302
From: Columbia SC
Check out Grundy, they have a new MVP program for newer cars. Needs to be garaged unless you are on a trip. I have all my cars covered by them except daily drivers. Great prices and you can trust them. Agreed value too.
Burning Brakes
Joined: May 2004
Posts: 1,201
Likes: 2
From: Frederick Md
Gosh I do have 21st Century (old AIG before they changed thieir name) on my 3 "normal" vehicles.. All 6 of my Corvettes are with Adam at the Museum .
I;m not use how any company can say a factory installed option suspension 'is grounds to deny you coverage.. But personally I would not care I'd just switch tomorrow then pick up the phone and cancel 21st Century and demand a refund for the unused portion of your policy..They can not kept that money !
Bob G
I;m not use how any company can say a factory installed option suspension 'is grounds to deny you coverage.. But personally I would not care I'd just switch tomorrow then pick up the phone and cancel 21st Century and demand a refund for the unused portion of your policy..They can not kept that money !
Bob G
