Kilo Racing 3 Rotor FD Conversion
03-15-07, 12:29 PM
#1401
I had State Farm for over 20 years (still have two cars insured with them) and they dropped me like a rock once they found out I did the 20B conversion.
My take on it is exactly what RotorMotor states, you can get specialty insurance but can't drive the car or you can go with a traditional insurer and haggle with them over the true value of your car. I don't mind doing this, it's kind of fun to mess with them. Would prefer not to though. I know I can call Hagerty and get a policy by telling them I don't drive the car and it's for shows only, but what happens if/when I get in an accident? I'm basically screwed because I would have lied on the application. At least that's my take on it.
Ramy, what do you think? By no means am I an insurance expert.
My take on it is exactly what RotorMotor states, you can get specialty insurance but can't drive the car or you can go with a traditional insurer and haggle with them over the true value of your car. I don't mind doing this, it's kind of fun to mess with them. Would prefer not to though. I know I can call Hagerty and get a policy by telling them I don't drive the car and it's for shows only, but what happens if/when I get in an accident? I'm basically screwed because I would have lied on the application. At least that's my take on it.
Ramy, what do you think? By no means am I an insurance expert.
03-15-07, 01:06 PM
#1403
Originally Posted by David Hayes
Thanks for the info Ramy. You're never an a$$ when you post tons of good info
Not sure what I could have done differently though. I did read your posts (read them when I tried this a few years ago and just reread them again) and I followed what was listed. Tried to get the FD insured under the Exotic category. I have another car insured by another car company, I'm 40 with a spotless record, and I garage the car. What eliminated me from contention was I wanted to drive my car, albeit not many miles each year. Also told them I was taking the car to car shows, but since I actually want to drive the car (errands and on the weekends), it was a no go.
I could have told them it was a show car and I wasn't going to drive the car, but if I have an accident and they check my mileage (which they will do), I'm screwed. Plus it's just not ethical IMO.
I could have told them it was a show car and I wasn't going to drive the car, but if I have an accident and they check my mileage (which they will do), I'm screwed. Plus it's just not ethical IMO.
"Usage. Hagerty provides coverage for vehicles that are used on an occasional basis -- e.g. club functions, exhibitions, organized meets, tours and limited pleasure driving."
So you're completely free to drive the car to and fro meets, for occassional Sunday pleasure driving (not just Sunday, but you know what I mean), and other PLEASURE activities. Just no work or errand drives. If for ANY reason you're going to incur greater mileage w/ these drives, as I mentioned, you simply call them PRIOR to this, and tell them "I have a club event I'm going to that's XXX miles away, so that trip alone is considerable mileage, but it's purely for show/exhibition, and as such I'd like to get that mileage pre-approved." They won't have a problem approving the additional mileage as such. You're telling 'em AHEAD of time, so they are aware, so you're still covered past the 3,000 mile limitation. But if you DON'T tell them and they find out the hard way, all of a sudden they'll say you broke the contract requirements and are left high and dry... So please understand, their mileage restriction isn't absolute; rather, it's simply to make sure that you're not daily driving the car to work or to errands.
Furthermore, don't forget that Grundy's (http://www.grundy.com/) DOES offer the EXACT SAME coverage Hagerty does, but WITHOUT mileage limitations (provided they don't feel you're abusing it or daily driving the vehicle). So there ARE options, and 99% of it is HOW you come across to the insurance agent...which brings us to the next point...
So, if anyone has an agent at Hagerty they have used, I'd love to get the name.
Originally Posted by RotorMotor
hey ramy, so basically what your saying is that we have two (legal) options for highly modified FD's...
get a specialty insurance policy that will cost less, but will not allow us to drive our cars
OR
get a "standard" (if you can call it that) insurance policy through the normal insurance companies which WILL let us use our cars to drive, but will not give us our stated value in the event of an "incident" and will be more expensive.
get a specialty insurance policy that will cost less, but will not allow us to drive our cars
OR
get a "standard" (if you can call it that) insurance policy through the normal insurance companies which WILL let us use our cars to drive, but will not give us our stated value in the event of an "incident" and will be more expensive.
Originally Posted by David Hayes
I had State Farm for over 20 years (still have two cars insured with them) and they dropped me like a rock once they found out I did the 20B conversion.
I know I can call Hagerty and get a policy by telling them I don't drive the car and it's for shows only, but what happens if/when I get in an accident? I'm basically screwed because I would have lied on the application. At least that's my take on it.
Plus AGAIN, there's Grundy...give 'em a shot, and this time, be VERY careful what you say. Don't let 'em lead you on to a response that'll deny you coverage. Be very careful...
Ramy, what do you think? By no means am I an insurance expert.
~Ramy
03-20-07, 07:29 PM
#1406
Update: Delay
Well, was all prepard to show up at Gotham tomorrow but there has been a delay. Steve Kan works for Motorola and got called to Malaysia on Sunday. He'll be gone for a week so tuning will have to wait until he gets back.
New plan - the car will be completed and driven by Steve to Atlanta for his tuning session there over the weekend of April 6th and 7th. I'm already scheduled to be in Atlanta then for a college function so I'll pick up the car from him, have it dynoed it at the event, and drive it home.
Bummer but the new plan is okay. Will keep you posted
Well, was all prepard to show up at Gotham tomorrow but there has been a delay. Steve Kan works for Motorola and got called to Malaysia on Sunday. He'll be gone for a week so tuning will have to wait until he gets back.
New plan - the car will be completed and driven by Steve to Atlanta for his tuning session there over the weekend of April 6th and 7th. I'm already scheduled to be in Atlanta then for a college function so I'll pick up the car from him, have it dynoed it at the event, and drive it home.
Bummer but the new plan is okay. Will keep you posted
03-20-07, 08:38 PM
#1409
Originally Posted by David Hayes
Update: Delay
Well, was all prepard to show up at Gotham tomorrow but there has been a delay. Steve Kan works for Motorola and got called to Malaysia on Sunday. He'll be gone for a week so tuning will have to wait until he gets back.
New plan - the car will be completed and driven by Steve to Atlanta for his tuning session there over the weekend of April 6th and 7th. I'm already scheduled to be in Atlanta then for a college function so I'll pick up the car from him, have it dynoed it at the event, and drive it home.
Bummer but the new plan is okay. Will keep you posted
Well, was all prepard to show up at Gotham tomorrow but there has been a delay. Steve Kan works for Motorola and got called to Malaysia on Sunday. He'll be gone for a week so tuning will have to wait until he gets back.
New plan - the car will be completed and driven by Steve to Atlanta for his tuning session there over the weekend of April 6th and 7th. I'm already scheduled to be in Atlanta then for a college function so I'll pick up the car from him, have it dynoed it at the event, and drive it home.
Bummer but the new plan is okay. Will keep you posted
03-21-07, 01:16 AM
#1411
Steve is an amazing enterpreneur guy: he works full time as an EE, runs two businesses on the side (1) Gotham and (2) dyno tuning. He's also a pretty good driver.
Originally Posted by David Hayes
Update: Delay
Well, was all prepard to show up at Gotham tomorrow but there has been a delay. Steve Kan works for Motorola and got called to Malaysia on Sunday. He'll be gone for a week so tuning will have to wait until he gets back.
New plan - the car will be completed and driven by Steve to Atlanta for his tuning session there over the weekend of April 6th and 7th. I'm already scheduled to be in Atlanta then for a college function so I'll pick up the car from him, have it dynoed it at the event, and drive it home.
Bummer but the new plan is okay. Will keep you posted
Well, was all prepard to show up at Gotham tomorrow but there has been a delay. Steve Kan works for Motorola and got called to Malaysia on Sunday. He'll be gone for a week so tuning will have to wait until he gets back.
New plan - the car will be completed and driven by Steve to Atlanta for his tuning session there over the weekend of April 6th and 7th. I'm already scheduled to be in Atlanta then for a college function so I'll pick up the car from him, have it dynoed it at the event, and drive it home.
Bummer but the new plan is okay. Will keep you posted
03-21-07, 09:02 AM
#1412
Original Gangster/Rotary!
iTrader: (213)
Originally Posted by pomanferrari
Steve is an amazing enterpreneur guy: he works full time as an EE, runs two businesses on the side (1) Gotham and (2) dyno tuning. He's also a pretty good driver.
Big props to Alex 
03-21-07, 03:51 PM
#1413
Originally Posted by GoodfellaFD3S
At this point, Alex Haralam runs Gotham because Steve is at Motorola for the majority of the work week. Alex is the third owner of Gotham, along with me and Steve. I'm not involved in day-to-day operations at this point because of obvious geographical limitations. Alex doesn't have time to post on the forum because he's so busy---he's the man making it all happen behind the scenes Big props to Alex
Big props to Alex
03-21-07, 04:51 PM
#1414
Originally Posted by GoodfellaFD3S
At this point, Alex Haralam runs Gotham because Steve is at Motorola for the majority of the work week. Alex is the third owner of Gotham, along with me and Steve. I'm not involved in day-to-day operations at this point because of obvious geographical limitations. Alex doesn't have time to post on the forum because he's so busy---he's the man making it all happen behind the scenes Big props to Alex
Big props to Alex
03-22-07, 10:07 AM
#1415
Originally Posted by GoodfellaFD3S
i think this'll prove to be a blessing in disguise, the car should be better sorted this way
).Alex and Brian now have an opportunity to make sure everything is totally ready to go. I was all set to pick it up though...
03-22-07, 01:26 PM
#1418
Originally Posted by David Hayes
Would love to meet you and 20B 3rd Gen. Still planning to get to DGRR also.
03-22-07, 06:26 PM
#1420
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Originally Posted by David Hayes
I concur with this. It's a disappointment to me (not to mention the $$ associated with canceling my plans at the last minute) . . . .
but Steve will now get the opportunity to drive the car and test it out (hopefuly not the "drive it like it's stolen" kind).
).
03-22-07, 11:10 PM
#1421
Originally Posted by CMonakar
Funny how that cost never comes to rest with any shops isn't it? Only in the auto industry . . .
So yea, if it were MY shop, I'd tell the customer "we're going to try our best to have it done by such and such date, but given the complexity of the job, complications are bound to arise. But we'll be sure to keep you updated of these complications as they arise, and our revised estimated date of completion." In short, don't tell me you'll be here to pick up the car on this and this date. I'll call YOU when it's done lol.
Oh and this isn't in any way unique to the automotive field. In medicine, for example, the average time it takes to see a patient/perform a surgery is taken into account, and thus X amount of patients are scheduled in for that day. Many a time certain patients require more time, have more complex problems, or simply complications arise, and you end up taking a LOT more time w/ one patient than you anticipated. Some ppl are asked to reschedule; some ppl are left waiting for a VERY long time, etc etc.
~Ramy
03-23-07, 12:46 AM
#1422
Rotary Enthusiast
Ah I dont know. I think if the shop decides to tell you the time they will be done, they should eat the cost of travel cancellation, or get it done, one or the other. I have a feeling they told David it would be done, or he would have waited the extra time to book his plans. He has waited long enough. They dont need to grossly overestimate, but they surely can have a good idea of when they will be done, including setbacks, at this point in the project.
As for the medical side, I have worked as a manager in a family owned plastic surgery office and spa and often times surgery takes longer then anticipated....however, if a surgery gets pushed back overnight, we ALWAYS have to eat the cost of lodging for someone who has traveled. Otherwise you will risk losing the patient.
(Similar to risking losing customers in the auto industry)
As for the medical side, I have worked as a manager in a family owned plastic surgery office and spa and often times surgery takes longer then anticipated....however, if a surgery gets pushed back overnight, we ALWAYS have to eat the cost of lodging for someone who has traveled. Otherwise you will risk losing the patient.
(Similar to risking losing customers in the auto industry)
03-23-07, 12:58 AM
#1423
mirabile, my comment wasn't directed toward David or his situation. Rather, it was directed to CMonakar and his comment (hence why I quoted his statement in my reply ). Moreover, if you don't make those promises in the first place, it's pretty hard to get yourself in that kind of bind from the get-go, dontcha think?
~Ramy
). Moreover, if you don't make those promises in the first place, it's pretty hard to get yourself in that kind of bind from the get-go, dontcha think? ~Ramy
Last edited by FDNewbie; 03-23-07 at 01:05 AM.
03-23-07, 07:08 AM
#1424
Original Gangster/Rotary!
iTrader: (213)
Originally Posted by mirabile
Ah I dont know. I think if the shop decides to tell you the time they will be done, they should eat the cost of travel cancellation, or get it done, one or the other.
You've definitely never owned a shop before.Ramy is 100% correct. There is never a concrete 'completion' date given. There are too many variables.....the car is done, when it's done. All of this is generally speaking.
03-23-07, 07:59 AM
#1425
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Originally Posted by mirabile
Ah I dont know. I think if the shop decides to tell you the time they will be done, they should eat the cost of travel cancellation, or get it done, one or the other. I have a feeling they told David it would be done, or he would have waited the extra time to book his plans. He has waited long enough. They dont need to grossly overestimate, but they surely can have a good idea of when they will be done, including setbacks, at this point in the project.
As for the medical side, I have worked as a manager in a family owned plastic surgery office and spa and often times surgery takes longer then anticipated....however, if a surgery gets pushed back overnight, we ALWAYS have to eat the cost of lodging for someone who has traveled. Otherwise you will risk losing the patient.
(Similar to risking losing customers in the auto industry)
As for the medical side, I have worked as a manager in a family owned plastic surgery office and spa and often times surgery takes longer then anticipated....however, if a surgery gets pushed back overnight, we ALWAYS have to eat the cost of lodging for someone who has traveled. Otherwise you will risk losing the patient.
(Similar to risking losing customers in the auto industry)