Rising Sun Member Forums  

Go Back   Rising Sun Member Forums > Toyota 4x4 > General Chit Chat

Reply
 
Thread Tools
  #1  
Old 05-02-2016, 09:25 AM
DouglasVB DouglasVB is offline
Rising Sun Member
 
Join Date: May 2015
Location: Golden, CO
Posts: 865
Default Insurance for modified trucks?

I know someone answered this for me before but I've since lost the thread or PM or wherever it was that someone told me the solution...

Now that I have a modified truck, what insurance companies around here will insure it for replacement value? My insurance company has told me that they will insure it like it isn't modified. Just a bone stock truck.

Thanks!
__________________
Douglas in Golden
1986 Toyota 4runner with all of the desirable features
1988 Toyota 4runner DLX - Goldilocks has gone to a new home!
1989 Honda Pacific Coast PC800 with custom fuel injection system
1979 Yamaha XS1100 Special
2004 Subaru Forester XT with 5MT and WRX suspension
KD7YBQ
TLCA #23604
Reply With Quote
  #2  
Old 05-02-2016, 09:31 AM
AxleIke's Avatar
AxleIke AxleIke is offline
Rising Sun Member
 
Join Date: Apr 2006
Location: Arvada, CO
Posts: 4,080
Default

AAA said they would do mine at stated value, you just need to get it appraised.
__________________
Isaac

Baby Beast 2- 1999 4Runner SR5

Baby Beast -1987 4Runner SR5-Gone, but not forgotten

Generation Dead
Reply With Quote
  #3  
Old 05-02-2016, 10:14 AM
DouglasVB DouglasVB is offline
Rising Sun Member
 
Join Date: May 2015
Location: Golden, CO
Posts: 865
Default

Thanks! Working on trying to talk to an agent at AAA now.
__________________
Douglas in Golden
1986 Toyota 4runner with all of the desirable features
1988 Toyota 4runner DLX - Goldilocks has gone to a new home!
1989 Honda Pacific Coast PC800 with custom fuel injection system
1979 Yamaha XS1100 Special
2004 Subaru Forester XT with 5MT and WRX suspension
KD7YBQ
TLCA #23604
Reply With Quote
  #4  
Old 05-02-2016, 10:20 AM
DaveInDenver's Avatar
DaveInDenver DaveInDenver is offline
Hard Core 4+
 
Join Date: Jun 2006
Location: Larimer County
Posts: 7,617
Default

State Farm has been good about insuring for an agreed price. They added a rider to the insurance on the '91 for the replacement cost of a WilderNest, for example. It became a sticking point, though, when it got totalled. And after they paid out they wouldn't let me keep comprehensive on it anymore.
__________________
'91 Pickup - Imelda / '08 Tacoma TRD - Donna
'09 Kawasaki KLR650
'98 Rhygin Juke SS / '12 Gunnar Rockhound 29 / '16 REEB Dikyelous

"Our task must be to free ourselves from this prison by widening our circle of compassion to embrace all living creatures and the whole of nature in its beauty. Nobody is able to achieve this completely, but the striving for such achievement is in itself a part of the liberation and a foundation for inner security. " --Albert Einstein
Reply With Quote
  #5  
Old 05-02-2016, 02:31 PM
Corbet's Avatar
Corbet Corbet is offline
Hard Core 4+
 
Join Date: Oct 2006
Location: Durango, Colorado
Posts: 4,383
Default

I've been meaning to contact Hagerty for a quote.

https://www.hagerty.com/insurance/
__________________
Speski OffRoad LTD, Cargo Solutions for Toyota 4x4's http://www.SpeskiOffRoad.com
"80 series, with a fridge"
1976 FJ40, Project with little progress.
2004 Starcraft 10RT

Reply With Quote
  #6  
Old 05-03-2016, 01:01 PM
OhmStyles's Avatar
OhmStyles OhmStyles is offline
Wincher
 
Join Date: Mar 2015
Location: Golden
Posts: 40
Default

Hagerty is only for 95 and older trucks.
I went progressive and then did 10k coverage of top of that. Figure if anything happens I'll follow what others have done to get the money outta the truck and get a lawyer to go at the insurance company. for pay out with out fighting it would kbb price plus the 10k. I would fight them and get comps for vechiles for sale locally and grab attorney for mediation and think I can pull what it's worth. Just make sure to keep every that shows what you paid and put into it.

Sent from my SM-G925V using Tapatalk
__________________
97 FZJ80 - 3 x locked
88 Grand Wagoneer
87 Grand Wagoneer
Tlca #23298
Reply With Quote
  #7  
Old 05-03-2016, 01:18 PM
Blindranger's Avatar
Blindranger Blindranger is offline
Land Use Co-Coordinator
 
Join Date: Dec 2013
Location: PNW
Posts: 343
Default

I had dinner with a bunch of folks from Hagerty the other night. On a client by client basis they will insure low production vehicles newer than 1995. I specifically started drilling them about insuring Land Cruisers and they said that if you offroad your truck with any frequency they will most likely not offer you coverage. Apparently they have a similar policy of not insuring cars that are tracked frequently. So if you have a Land Cruiser for investment purposes they would be an excellent option.
__________________
Matt Ewalt
1996 FZJ80
TLCA #22702
Reply With Quote
  #8  
Old 05-03-2016, 01:22 PM
rover67's Avatar
rover67 rover67 is offline
Rising Sun Member
 
Join Date: Nov 2007
Location: Boulder, Co
Posts: 5,965
Default

Quote:
Originally Posted by Blindranger View Post
if you offroad your truck with any frequency
Whats their definition of off-road?

Almost everything here in Colorado and Utah that we travel is considered a road with the exception of some trails.

Do they really mean "off pavement"?
__________________
Marco Capote
KDGWX
85 FJ60
82 FJ40
Reply With Quote
  #9  
Old 05-03-2016, 01:29 PM
DouglasVB DouglasVB is offline
Rising Sun Member
 
Join Date: May 2015
Location: Golden, CO
Posts: 865
Default

I talked with a Hagerty person on the phone and they said I was DQed because 1) I can't park in a garage, 2) I drive too many miles, and 3) the insurance is really meant for a vehicle that will occasionally go to a show and shine event or out on a nice sunny weekend to get ice cream, and not something that is going off road in any way.
__________________
Douglas in Golden
1986 Toyota 4runner with all of the desirable features
1988 Toyota 4runner DLX - Goldilocks has gone to a new home!
1989 Honda Pacific Coast PC800 with custom fuel injection system
1979 Yamaha XS1100 Special
2004 Subaru Forester XT with 5MT and WRX suspension
KD7YBQ
TLCA #23604
Reply With Quote
  #10  
Old 05-03-2016, 01:31 PM
DaveInDenver's Avatar
DaveInDenver DaveInDenver is offline
Hard Core 4+
 
Join Date: Jun 2006
Location: Larimer County
Posts: 7,617
Default

Quote:
Originally Posted by rover67 View Post
Whats their definition of off-road?

Almost everything here in Colorado and Utah that we travel is considered a road with the exception of some trails.

Do they really mean "off pavement"?
Interesting distinction, most of our trucks have never been off road. However for the same reason that people suggest using the term off highway positively, to reduce the impression that we're a bunch of yahoos driving just anywhere, might be a negative here. The same definition would mean sticking to only paved or improved & marked roads to avoid being off road.
__________________
'91 Pickup - Imelda / '08 Tacoma TRD - Donna
'09 Kawasaki KLR650
'98 Rhygin Juke SS / '12 Gunnar Rockhound 29 / '16 REEB Dikyelous

"Our task must be to free ourselves from this prison by widening our circle of compassion to embrace all living creatures and the whole of nature in its beauty. Nobody is able to achieve this completely, but the striving for such achievement is in itself a part of the liberation and a foundation for inner security. " --Albert Einstein
Reply With Quote
Reply

Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off


All times are GMT -6. The time now is 09:17 PM.


Powered by vBulletin® Version 3.7.1
Copyright ©2000 - 2016, Jelsoft Enterprises Ltd.