Johnny Dart
Well-Known Member
Glad everyone is ok,thats all that matters.
Well if any insurance will pay, that's obviously a good thing. But here's the thing--looking at it from the insured's point-of-view, why should my company pay for the shortcomings of the seller(auctioneer)? If that's the case my company may or may not drop me or increase my rates when I have no control over the situation. Conversely, why should I, as the sales rep (aka auctioneer) have to pay for "an act of God", something I had no control over & presented my sale in good faith? I'm not trying to sound like an wiseguy, I'm just trying to understand WHO is going to fix these valuable, (now) relatively rare cars and just where DO the collector car insurance companies stand on this sort of thing?
Comprehensive damage if they pay it cannot be used against you later ie.. rate increase or dropped coverage it is the same as hitting a deer and the insurance companies have teams of geeks who have already calculated the cost of the loss from every storm that will occur every where this year and it is factored in to your current premiums so don't cry for them .
Back in the early 90's I bought a 383 Super Bee. The first weekend out with it I was top-ending it at 3:00am on some back country roads. They were straight as an arrow for miles. After a run at 130mph I slowed down coming into a town. As I went through the town I was doing a leisurely 30mph and it started to sprinkle a little. I came over a crest on the other side of town and hit the wipers. As they were smearing bug guts all over my windshield something in the road didn't look right. There was a heard of cattle all across the road. As I slammed on the brakes and hit the horn, the cows weren't moving and my 4 wheel drum brakes weren't stopping. Nowhere to go. The dumb bovines were across road from fence post to fence post. Just as I was about to rear-end one, I cranked the wheel and put the car sideways. Hit the ***-end right smack-dab above the passenger front wheel. It spun the Bee around like a top and I ended up facing the opposite direction. The fender had a big *** print and was pushed in right up to the hood.
When the insurance adjuster came to look at the car, he was going to put it down as my fault under collision. I fought with him that it's under comprehensive because it was an animal. I admitted to putting the car sideways and that's why he wanted to put it down as my fault. Then I told him that if I had hit the cow head-on with my front bumper, I would most likely taken out the cows legs and flipped it back onto the roof thus totalling the car. Instead of paying hundreds for the fender, they would have been paying thousands for the car. In the end he finally saw it my way and under comprehensive it went. Even at that the body shop had to fight with the guy over a washer bottle. They could get a new one from Chrysler, but he insisted they find a used one. After a few days of searching and calling wreckers the body shop told the adjuster that he either let them put a new one on or they were going to start charging for long distance calls and all the time spent on the phone. They got the go ahead for a new one. Most insurance adjusters I've dealt with are real dill-holes.
I can only imagine what these guy are going to be going through. They have my sympathy.
Wylde1.
Why in the hell were you going 130 MPH in a 30 year old car with drum brakes at 3AM in the morning?? Lucky it was a cow and not some family of four broke down on the road.
Why in the hell were you going 130 MPH in a 30 year old car with drum brakes at 3AM in the morning?? Lucky it was a cow and not some family of four broke down on the road.
Are you for real ? with a handle like "Hemicop" I would expect a little more knowledge and common sense or maybe not , Insurance is the responsibility of the vehicle owner at the time of the accident period . The auction house has no ownership rights and no liability even if the auction contract didn't have a liability waiver attached to it which I'm sure it did , lastly as stated earlier this is Comprehensive damage if they pay it cannot be used against you later ie.. rate increase or dropped coverage it is the same as hitting a deer and the insurance companies have teams of geeks who have already calculated the cost of the loss from every storm that will occur every where this year and it is factored in to your current premiums so don't cry for them .
Sorry about your losses guys that must have been so gut wrenching to watch I can't imagine ,hope your cars were spared
He's in Canada.....maybe he's on metric time....Isn't 3AM always in the morning?
This reminder provided by the United States Department of Redundancy Department.
:-D
ha ha....
I buried the speed-o the other day in the valiant just gettin on the freeway.
Maybe 125-135mph turning close to 6k in 4th.
good fun, but couldn't find that family of 4.. shucks.
It IS a question that needs to be asked & answered, alarmist or not.YOU put too much faith in "THE SYSTEM" NAD forget alot of people have trailer queens they quite simply don't insure for whatever reason. If R&S can find a way to waive liability, fine. You answered my question (at least as far as your experiences can) as well as voicing your opinion of law enforcement, have a nice day.......having lived and crashed a car in the US , hit a deer at 55 , I am aware of the way insurance works in your country in spite of the way people down there want to place blame whenever something bad happens to them , I am sure the lawyers for R&S include a very strong waiver of liability in the fine print of their auction contract and would expect a member of law enforcement to have and exercise a little more common sense rather than ask an alarmist questions we all know we have to insure our vehicles as I said IF they pay it will be comprehensive Wyldes post only illustrates this as the agent was trying to refuse to call his claim comprehensive in order to offset cost and recoup the loss through future premiums , THIS IS A TRAGIC EVENT for all those who have cars involved and I hope they are able to get proper compensation for their loss ,I suspect that those cars that had just been sold might be in between policies and their new owners stuck. Blaming the owners of R&S or the tent rental people for an incredibly unexpected event is unfair nobody can stop the power of weather there is always a storm stronger than anything you plan for it's not like those tools you see on TV crying for FEMA money to rebuild the beach house they have rebuilt every three years after another Hurricane comes up from the gulf .
those auctions drove prices way too high-ruined things for majority in my opinion. Not interested!
Isn't 3AM always in the morning?
This reminder provided by the United States Department of Redundancy Department.
:-D