Wood Stove Project

[TaliaDPerkins]

Originally Posted by dzl_

I'm pretty sure there is langauge in most insurance contracts, and most contracts in general that gives them a legitimate/legal out in cases of fraud or explicit misrepresentation.

Where is the fraud or explicit misrepresentation in having insurance on a vehicle as a vehicle and the vehicle being involved in a vehicular accident wherein any woodstove present has no involvement?

[john61ct]

Omissions of factors that materially affect their overall risks

can be legally interpreted as fraud.

Like not informing them you installed a nuclear reactor.

Obtaining the policy by deception can void the whole policy.

Paying premiums for nothing maybe

[vonslatt]

I've been away for a few years and I'm kind of amused that the community seems to have been infiltrated by lawyers!

[TaliaDPerkins]

Originally Posted by john61ct

Omissions of factors that materially affect their overall risks

can be legally interpreted as fraud.

Like not informing them you installed a nuclear reactor.

Obtaining the policy by deception can void the whole policy.

Paying premiums for nothing maybe

Bizarrely composed, stilted, disjointed phrases which appear to be intended to spread FUD.


The question is, does having a woodstove installed which has nothing to do with a vehicular accident void coverage for a vehicular accident? Can anyone speak clearly as to that?

[john61ct]

No one can predict the future with certainty.

It's all just estimation of probability, what increases the odds, what decreases them.

F around and find out.

Personally I think it best to be honest.

[TaliaDPerkins]

Originally Posted by john61ct

No one can predict the future with certainty.

It's all just estimation of probability, what increases the odds, what decreases them.

F around and find out.

Personally I think it best to be honest.

See, that's more of the passive aggressive BS driving me nuts about this topic.


There is nothing dishonest about having a vehicular accident liability policy and having a woodstove in your vehicle whether you disclose it or not. It has nothing to do with "F around and find out".


There is no increase to the odds of a vehicular accident because there is a wood stove in the vehicle.

[Timeline]

Really like the customized little stove great job, nice work on the video too!


On a long cold night I'd remove the grill and bury some of the wood in ashes to get a longer heat time.


John

[Bon Voyage]

I’d love to get a little stove like that. How long did it take you to do?

[s2mikon]

Originally Posted by vonslatt

I've been away for a few years and I'm kind of amused that the community seems to have been infiltrated by lawyers!

Kinda like everywhere else. Whatever you do don't diddle the insurance man, but hose the DMV folks.

[Zork]

Hilarious watching all the couch-potato experts motormouth on and on about insurance this and insurance that. If any of this BS was true there would not be a single RV out there with a propane heating system, stove or any appliances that use propane...

[Rucker]

Originally Posted by Zork

Hilarious watching all the couch-potato experts motormouth on and on about insurance this and insurance that. If any of this BS was true there would not be a single RV out there with a propane heating system, stove or any appliances that use propane...

Not helpful. You're just trolling some of the trolls.

The wood stove dilemma will never go away of controversy because a) they're cool to have and b) many insurance companies specifically exclude them.

Most of us here focus on the practical side of bus conversions.

Wood stoves are legitimately of concern because there are lots of factors to consider if you want the coolness of a stove-like insurability and safety.

Propane devices don't enter into this conversation-they are accepted by insurance companies, LOAs etc.

Rather than stir the pot, just block people so you can roll past them.

[Zork]

Originally Posted by Rucker

Not helpful. You're just trolling some of the trolls.

The wood stove dilemma will never go away of controversy because a) they're cool to have and b) many insurance companies specifically exclude them.

Most of us here focus on the practical side of bus conversions.

Wood stoves are legitimately of concern because there are lots of factors to consider if you want the coolness of a stove-like insurability and safety.

Propane devices don't enter into this conversation-they are accepted by insurance companies, LOAs etc.

Rather than stir the pot, just block people so you can roll past them.

You know what they say about opinions. It's like something else all mammals have. Perhaps you should consider taking your own advice. If you have concrete and verifiable examples of insurance cancellations because someone installed something the same insurance company would accept in other forms of dwelling, post them, otherwise keep your opinions to yourself.

[Rucker]

Originally Posted by Zork

You know what they say about opinions. It's like something else all mammals have. Perhaps you should consider taking your own advice. If you have concrete and verifiable examples of insurance cancellations because someone installed something the same insurance company would accept in other forms of dwelling, post them, otherwise keep your opinions to yourself.

Thanks for keeping it real.

[DeMac]

Zork:
(Definition)
Trinidadian slang for being misguided or fooled into actions that may lead to somewhat embarassing circumstances. To be screwed over.


Her chosen handle ought to tell you something. I'm not name calling. She selected that name. She also used "couch-potato" & "motormouth" to describe those who might choose safety and insurability.

Bearing false witness, is not what we are trying to do here.

[Bon Voyage]

I wonder if a thread on insurance and wood stoves might be a better place for that discussion. I think the op has been scared away for many more years again.

[Rucker]

Originally Posted by DeMac

Zork:
(Definition)
Trinidadian slang for being misguided or fooled into actions that may lead to somewhat embarassing circumstances. To be screwed over.


Her chosen handle ought to tell you something. I'm not name calling. She selected that name. She also used "couch-potato" & "motormouth" to describe those who might choose safety and insurability.

Bearing false witness, is not what we are trying to do here.

Interesting. I thought it was reference to the Chex cereal character. Remember the computer disk you got in Chex cereal about twenty years ago?
Pop it into the PC and you have an adventure game. No blood or violence, the character has a spoon for a weapon.

Anyway, what I meant to say was this forum has a tool for avoiding interactions with people wielding spoons.

'ignore' settings are a wonderful thing.

[cadillackid]

Originally Posted by Zork

You know what they say about opinions. It's like something else all mammals have. Perhaps you should consider taking your own advice. If you have concrete and verifiable examples of insurance cancellations because someone installed something the same insurance company would accept in other forms of dwelling, post them, otherwise keep your opinions to yourself.

go use the search button.. you'll see several threads where insurance companies specifically would not cover wood stoves or roof raises.. it is documented..



the fact I dont plan to raise a roof or put in a stove isnt the point.. the point is if someone has a stove and insured with said company that says they arent covered.. hits my brand new truck.. said insurance company will deny the claim, unless said bus owner can somehow hide the fact there is a stove installed before anyone takes a picture of the scene..


I could care less whether someone wants to cover their own property or not.. thats their choice.. but choose not to properly insure against liability? that one can affect others....

[TaliaDPerkins]

Originally Posted by cadillackid

go use the search button.. you'll see several threads where insurance companies specifically would not cover wood stoves or roof raises.. it is documented..

Would not cover for what? It is documented for what?


I haven't seen anyone credibly saying having a woodstove in the bus means you aren't covered or insurable for vehicular collision.

[Zork]

I can't help it if some people suffer from long-term trinidadian butthurt over being ignored. Not my problem. But it *is* hilarious watching an alleged adult calling a 260 lb Marine a "she". That's funny enough to run out of popcorn.

"Go use the search button" is another eternal excuse that almost always comes out of the same place as opinions.

Back to the project, and outta what has turned into a very dumb thread.

[s2mikon]

If you have a crash, who is going to investigate? The police. They have a very difficult time investigating homicides. They basically don't give a damn about car crashes. Yep, the white car ran the stop sign so it is his fault. Is he impaired? Nope. Lets get coffee.