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Old 05-11-2010, 08:33 PM   #1
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Re: GMAC can BITE ME!!

I feel you, man. Insurance agents, lawyers, judges, politicians, doctors/ surgeons... my life would be quite a bit different, and for the better, without the majority of their ilk.
What you need to do is put up the 500K bond with the state! ... though for a skoolie, they probably bump it up to something like 3 mil, or some insane amount.
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Old 05-11-2010, 09:07 PM   #2
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Re: GMAC can BITE ME!!

Will they write liability coverage? If they do, is it capped at a minimal amount?
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Old 05-12-2010, 12:07 AM   #3
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Re: GMAC can BITE ME!!

When I bought my bus in AZ, I got insurance from GMAC. They would only give my liability coverage. That's all I really cared about because without it the ticket would have been more than the insurance.

P.S. I like that smilie.
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Old 05-30-2010, 11:30 AM   #4
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Re: GMAC can BITE ME!!

I guess this is an appropriate place to post a caution for GMAC users. A week after I got all my policy documents in the mail, I got another set. It was the policy booklet, declarations page, and about a dozen supplementary items like amendments and definitions. It looked like most were duplicates, but I know how insurance companies are, so I read every page just to make sure. There was a page that talked about optional medical payment coverage, and offered premiums to add this "med pay" at 3 different coverage levels. It said I had to return the form with my selection (one of the 3 levels or decline coverage at this time), or I would automatically get the most expensive coverage added on. No mention on that page where to send the form (and no convenient postage-paid envelope to return it).

So a couple days later, as I was pondering whether to mail the form, fax the form, or call someone, GMAC called to verify my marital status. Apparently the agent who set up my policy put in that I'm married (I'm not) and I got a discounted rate because of that error. Since it was their mistake, the agent said she would keep the premium the same for the first 6 months, but that I might end up paying more when I renew. While I had her on the phone, I asked about the med pay thing, and she said that must have been a mistake since the coverage is required in other states (and provided automatically there unless the customer declines). She said she made a note in my computer record that I asked about that and she told me I didn't have to do anything, it wouldn't be added. Nice lady, everyone I've talked to there so far has been friendly and helpful.

So I'm happy with GMAC so far (since all I wanted was liability), but they make mistakes. Make sure you read the fine print!
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Old 06-04-2010, 06:35 AM   #5
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Re: GMAC can BITE ME!!

Hmm... I remember getting the same packet. Though, I didn't read EVERYTHING.
I will try to find a Nationwide agent around here in a few weeks, when I get the title. Headed to the Secretary of State AGAIN today, trying to get it registered as a non-commercial truck. Or, a truck. I don't care what it's registered as, as long as I don't have to stop at weigh stations, and I don't have to fully convert it to an RV, because I can't swing the amount right now. I stay at campgrounds with toilets anyway, why would I poop in my bus.
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Old 06-04-2010, 12:01 PM   #6
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Re: GMAC can BITE ME!!

Quote:
Originally Posted by dentedvw
I don't care what it's registered as, as long as I don't have to stop at weigh stations

my thoughts exactly!
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Old 06-06-2010, 12:15 PM   #7
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Re: GMAC can BITE ME!!

Quote:
Originally Posted by Smitty
Quote:
Originally Posted by dentedvw
I stay at campgrounds with toilets anyway, why would I poop in my bus.
Evidently you've never woke-up with that 2:00AM "pain".......keep your jogging shoes handy....and remember "clench"

Smitty

you would be amazed how long someone can hold it if they REALLY need to! lol
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Old 06-07-2010, 07:11 PM   #8
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Re: GMAC can BITE ME!!

Quote:
Originally Posted by busdriver_phil
. . . So I'm happy with GMAC so far (since all I wanted was liability) . . .
That appears to be the difference between Smitty and the others who are happy with GMAC - most must just want legal plates.

Quote:
Originally Posted by Smitty
. . Due to that, I need to get an appraisal done ($25), even for liability....I told her how stupid it was, I mean (talking insuring for stated-value) if I want to insure a $50 vehicle for $10K....what do they care as long as I'm paying the premiums on a $10K policy? I told her I've never seen so much BS to try & give someone my money....
Smitty
Stupid for liability, yes. Stupid for stated value replacement coverage, when the stated value far exceeds the street price of a similar vehicle, no.
If they would let you insure a '73 Pinto rustbucket with a stated value of $100,000 for $9600 per year, without checking to see that it is a one-of-a-kind show car, then fraudsters would be ponying up the premiums right and left to have pieces of junk stolen or burned to reap the payoffs.
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Old 06-11-2010, 04:10 PM   #9
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Re: GMAC can BITE ME!!

State Farm, whom I've been insured with since a small boy, was reluctant to deal with my bus. I called GMAC and they were happy to write me up. I have liability only, and it's around $100/year.

I didn't read any of that ****. My rates haven't gone up. What would it take to total a bus? I paid $3,500 for it. It is highly visable, only driven a few times a year, low risk for them.
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Old 06-14-2010, 05:15 PM   #10
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Re: GMAC can BITE ME!!

Quote:
Originally Posted by Redbear
Quote:
Originally Posted by busdriver_phil
. . . So I'm happy with GMAC so far (since all I wanted was liability) . . .
That appears to be the difference between Smitty and the others who are happy with GMAC - most must just want legal plates.

Quote:
Originally Posted by Smitty
. . Due to that, I need to get an appraisal done ($25), even for liability....I told her how stupid it was, I mean (talking insuring for stated-value) if I want to insure a $50 vehicle for $10K....what do they care as long as I'm paying the premiums on a $10K policy? I told her I've never seen so much BS to try & give someone my money....
Smitty
Stupid for liability, yes. Stupid for stated value replacement coverage, when the stated value far exceeds the street price of a similar vehicle, no.
If they would let you insure a '73 Pinto rustbucket with a stated value of $100,000 for $9600 per year, without checking to see that it is a one-of-a-kind show car, then fraudsters would be ponying up the premiums right and left to have pieces of junk stolen or burned to reap the payoffs.
Exactly. I have four vehicles with agreed-value insurance in my driveway (my Caddy, Gremlin, and F-350, Liz's Grand National), all had to be inspected before they would write the policy...perfectly reasonable.
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