Insurance company is auditing me for "too many cars"
Insurance company is auditing me for "too many cars"
05-30-2012, 08:16 AM
#1
I have USAA military insurance (awesome), and yesterday insured my (I think), 43rd car with them in 10 years.
The guy was all sunshine and roses until he saw how many cars I have had, then had to refer to a supervisor, and now my policy is going to be reviewed by underwriters to establish whether I am abusing the type of policy or some such. Not sure, I am supposed to call, they are supposed to call, ect.
Apparently the honeymoon is over, and they are frustrated with my active hobby.
we will see how it plays out, but if you have USAA, the number is 40 vehicles FYI before it sets off this review.
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
lol, thats what they said.
I have USAA military insurance (awesome), and yesterday insured my (I think), 43rd car with them in 10 years.
The guy was all sunshine and roses until he saw how many cars I have had, then had to refer to a supervisor, and now my policy is going to be reviewed by underwriters to establish whether I am abusing the type of policy or some such. Not sure, I am supposed to call, they are supposed to call, ect.
Apparently the honeymoon is over, and they are frustrated with my active hobby.
we will see how it plays out, but if you have USAA, the number is 40 vehicles FYI before it sets off this review.
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
05-30-2012, 09:00 AM
#2
Best part I don't have to have insurance cards in every car and I don't have to call them every time I buy a new car
This post was last modified: 05-30-2012, 09:01 AM by willbhere4u.
1987 300SDL 6spd manual om606.962 swap project
1985 300td euro 5spd wagon running
willbhere4u
05-30-2012, 09:00 AM #2I've got broad form insurance! It covers me as a driver not my cars It's like have limited liability on anything my ass is sitting in. plus uninsured motorist and medical
Best part I don't have to have insurance cards in every car and I don't have to call them every time I buy a new car
1987 300SDL 6spd manual om606.962 swap project
1985 300td euro 5spd wagon running
05-30-2012, 09:25 AM
#3
(05-30-2012, 09:00 AM)willbhere4u I've got broad form insurance! It covers me as a driver not my cars It's like have limited liability on anything my ass is sitting in. plus uninsured motorist and medical
Best part I don't have to have insurance cards in every car and I don't have to call them every time I buy a new car
what provider?
I wonder if this is something I can get here, or if its something local to you? Ill call them and see. Would be convenient, and eliminate this problem
EDIT:
Is it on a commercial policy? I have commercial insurance, and could do it through my business insurance, but not through my personal insurance. Is your broad form insurance based off a business insurance account?
This post was last modified: 05-30-2012, 10:34 AM by JB3.
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
(05-30-2012, 09:00 AM)willbhere4u I've got broad form insurance! It covers me as a driver not my cars It's like have limited liability on anything my ass is sitting in. plus uninsured motorist and medical
Best part I don't have to have insurance cards in every car and I don't have to call them every time I buy a new car
what provider?
I wonder if this is something I can get here, or if its something local to you? Ill call them and see. Would be convenient, and eliminate this problem
EDIT:
Is it on a commercial policy? I have commercial insurance, and could do it through my business insurance, but not through my personal insurance. Is your broad form insurance based off a business insurance account?
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
05-30-2012, 04:10 PM
#4
" straighten up that star on the grill, assholes."
lgreeley83
05-30-2012, 04:10 PM #4ive got usaa. I wonder how long till i get audited. I dont understand though, if you are paying for it what could be the problem?
" straighten up that star on the grill, assholes."
05-30-2012, 04:21 PM
#5
Spoke to them today, a very nice USAA lady completely saw my point about it being similar to shoes for girls, just a bit more expensive.
Im back in the black, as long as I assert that frenetic car insuring is a hobby, and not a business, no problems.
The do recommend that I stop insuring parts cars to drive them back and cancel for whatever bit I need. There are at least 10 cars on there that were insured for 2 days at most, so thats how they got suspicious. Ill do more towing I think
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
they want to make sure that im not running a used car dealership, and for that there is specific commercial insurance.
Spoke to them today, a very nice USAA lady completely saw my point about it being similar to shoes for girls, just a bit more expensive.
Im back in the black, as long as I assert that frenetic car insuring is a hobby, and not a business, no problems.
The do recommend that I stop insuring parts cars to drive them back and cancel for whatever bit I need. There are at least 10 cars on there that were insured for 2 days at most, so thats how they got suspicious. Ill do more towing I think
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
05-30-2012, 09:11 PM
#6
This post was last modified: 05-30-2012, 09:12 PM by willbhere4u.
1987 300SDL 6spd manual om606.962 swap project
1985 300td euro 5spd wagon running
willbhere4u
05-30-2012, 09:11 PM #6Ive got viking broad form insurance its personal but I could use it for driving customer cars if I ran a business! it's around $40 a month
1987 300SDL 6spd manual om606.962 swap project
1985 300td euro 5spd wagon running
05-30-2012, 11:10 PM
#7
1982 300D Turbo ... 3,6xxlbs, No fan, No AC, Hood Stack, No ALDA, No rear bumper and stuffed front, A/W Intercooled, Injectors by Greezer and HUGE Pre-Chambers with help from OM616 & Simpler=Better, Fuel Cranked up, 60 Trim Compressor wheel, EGT, EMP, Boost 50" Rigid Radius bar on roof Aux tank for a total of 48 Gal Of Diesel! Odyssey PC-1750 Battery in trunk, 27"x8.5"/R14 Maxxis BigHorn Mud Terrains, In June '14 issue of Off Road Mag
AX15 Jeep Trans swap in progress....
Captain America
05-30-2012, 11:10 PM #7Whats insurance?
1982 300D Turbo ... 3,6xxlbs, No fan, No AC, Hood Stack, No ALDA, No rear bumper and stuffed front, A/W Intercooled, Injectors by Greezer and HUGE Pre-Chambers with help from OM616 & Simpler=Better, Fuel Cranked up, 60 Trim Compressor wheel, EGT, EMP, Boost 50" Rigid Radius bar on roof Aux tank for a total of 48 Gal Of Diesel! Odyssey PC-1750 Battery in trunk, 27"x8.5"/R14 Maxxis BigHorn Mud Terrains, In June '14 issue of Off Road Mag
AX15 Jeep Trans swap in progress....
05-31-2012, 05:23 AM
#8
(05-30-2012, 11:10 PM)Captain America Whats insurance?
I think it's when you get extra cars. So that if one or more break down you have some backups. I could be mistakin.
Rusted out beat down 300d turbo 82' -- RIP
Nice body, tons of ridiculous mechanical issues - 300d turbo 82' /motor 85'
Nice body, tons of ridiculous mechanical issues - 300d turbo 82' /motor 85'
06-13-2012, 02:05 PM
#9
(05-30-2012, 11:10 PM)Captain America Whats insurance?
'98 E300 Turbo "Juliette" - Brabus wheels and almost all the options a w210 could have
'87 300D Turbo "Roxanne" - #22 head - 400E brakes - EGR Delete - 17" Staggered AMG 5 spoke rims from CLK500 - 5 Spd manual
2007 Chevy 2500HD CCSB Duramax with about 400-500 rwhp depending on the tune I use
1983 300D Silver Exterior/Black inside - Sold and will be missed, may we never meet in a PnP.
2007 Chevy 2500HD CCSB Duramax with about 400-500 rwhp depending on the tune I use
1983 300D Silver Exterior/Black inside - Sold and will be missed, may we never meet in a PnP.
(05-30-2012, 11:10 PM)Captain America Whats insurance?
'98 E300 Turbo "Juliette" - Brabus wheels and almost all the options a w210 could have
'87 300D Turbo "Roxanne" - #22 head - 400E brakes - EGR Delete - 17" Staggered AMG 5 spoke rims from CLK500 - 5 Spd manual
2007 Chevy 2500HD CCSB Duramax with about 400-500 rwhp depending on the tune I use
1983 300D Silver Exterior/Black inside - Sold and will be missed, may we never meet in a PnP.
2007 Chevy 2500HD CCSB Duramax with about 400-500 rwhp depending on the tune I use
1983 300D Silver Exterior/Black inside - Sold and will be missed, may we never meet in a PnP.
06-14-2012, 03:47 PM
#10
(05-30-2012, 09:11 PM)willbhere4u Ive got viking broad form insurance its personal but I could use it for driving customer cars if I ran a business! it's around $40 a month
40 a month, mines like 4000 a month
Purplecomputer
06-14-2012, 03:47 PM #10(05-30-2012, 09:11 PM)willbhere4u Ive got viking broad form insurance its personal but I could use it for driving customer cars if I ran a business! it's around $40 a month
40 a month, mines like 4000 a month
06-14-2012, 04:06 PM
#11
(06-14-2012, 03:47 PM)Purplecomputer(05-30-2012, 09:11 PM)willbhere4u Ive got viking broad form insurance its personal but I could use it for driving customer cars if I ran a business! it's around $40 a month
40 a month, mines like 4000 a month
he must have some kind of crazy deal based on location, I thought the same, and can't even get something like that without having it be for a company. None of the insurance companies I called could duplicate that deal.
(06-13-2012, 02:05 PM)capflya(05-30-2012, 11:10 PM)Captain America Whats insurance?
too expensive, saran wrap has many uses for the house and home
This post was last modified: 06-14-2012, 04:07 PM by JB3.
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
(06-14-2012, 03:47 PM)Purplecomputer(05-30-2012, 09:11 PM)willbhere4u Ive got viking broad form insurance its personal but I could use it for driving customer cars if I ran a business! it's around $40 a month
40 a month, mines like 4000 a month
he must have some kind of crazy deal based on location, I thought the same, and can't even get something like that without having it be for a company. None of the insurance companies I called could duplicate that deal.
(06-13-2012, 02:05 PM)capflya(05-30-2012, 11:10 PM)Captain America Whats insurance?
too expensive, saran wrap has many uses for the house and home
1974 240D 617 turbo swap, W201 5-speed, in the works project
1983 240D 616 stock, DD
1989 Chevy Astro, 617 turbo swap, T5 5-speed, 4.56 diff, work van
Thirdrem
Unregistered
06-18-2012, 12:41 AM
#12
And my insurance is $85 a month liability w/ uninsured and underinsured, plus roadside assistance. Not too bad.
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