[DML] Re: insurance questions - Setting the record straight

["ryanpwright" <yahoo1@xxxxxxxxxxxxxx>]

James,

Aon looks great. I just called them and they will be ready to provide
insurance in my state within the next two weeks or so. One thing she
did say was, "Well, if you drive it to work once in awhile, that would
be OK. Maybe 5 or 6 times a year. But we don't really like to see that
happening all the time."

Of course, with no milage or destination restrictions, it seems like
that's just their "advice" and that, according to the policy, I can
just about do whatever I darn well please. 

> One requirement Aon does have is that everyone in the Household have 
> a "normal" car.

Currently this is true for me, but within the next few months I'll
have sold my other vehicle and will only have the two: My 2000 Montero
and my DeLorean. My wife is a stay at home mother, though, and she
only uses the truck a couple of times a week to take the kids places.
The rest of the time it's mine (when I'm not driving the DeLorean).
What happens if I sell my third vehicle and just don't inform them? If
I have a claim can they come back and say, "Well, you violated our
policy, so we're not paying"? 

> Like I said, I don't care what your agent told you- your coverage 
> with State Farm is Actual Cash Value and is in no way guarenteed to 
> pay any certain amount.

Right, this is one of the reasons I want to get rid of them (on the
DeLorean, anyway). The fact that collector car insurance is half
price, well, that's just a bonus. ;)

-Ryan






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