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Thread: why I can't get fire and theft insurance put on my jeep???

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  1. #1
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    why I can't get fire and theft insurance put on my jeep???

    ok as most know on here my jeep was stolen on Aug 6 2014 ( what would of been my 23 anniversary if I didn't divorce my wife last march ) but it was gone for just over a month and from the trip meter the only put about 300 km on it and it still had a 1/4 tank of gas in it.

    They stole the tires , spark plug wires, battery, trailer hitch , 7 point connector for the hitch ( but left the brand new break controller on the seat) and cut out the cat. Other than that really there was not that much damage. The front bumper was missing ( I think it came off in the corn field ) and the back bumper cover was only hang by the bracket to hold the 7 pin connector.

    The day after I got it back it was back up and running and on the road and the insurance company I had screwed me over because I said for them to leave the insurance on my jeep while it was gone for at least a couple months but instead they canceled the insurance on my jeep and insured the truck that I bought to replace jeep but they were told it was not road ready and it was going to be a couple months before it was ready for the road,

    But the worst part ist the truck was still not in my name and it was not in the name of the person I bought it from because he never got a chance to put it in his name before having to sell it to pay for damage done to his girlfriends car. when I did get my jeep back my company said it would have to have a full mechanical and structural inspection before they would put insurance back on it and they said that they would not put fire and theft on it no matter what.

    As for my new insurance company they did put insurance on it but also said that they would never put fire and theft on my jeep either. My first company I had through a broker and the broker said the company they put me with wouldn't do anything for me so I told them " I guess I need a new insurance company then" and you know what they did! The brokers just dropped me instead of doing their job and finding me a new company.

    the only reason I can come up with was because it was stolen. but then it would be the same across the board but I have talked to a few people around where I live that have had cars or what ever stolen and they never had to do any of that inspection stuff.

    so were do I go to get insurance that I can get fire and theft as well?
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    I'll pm you the number for my agent tomorrow he is with allstate and is a miracle worker. I pay 1700 a year on my JKU and he will insure anything.

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    Quote Originally Posted by Wge View Post
    I'll pm you the number for my agent tomorrow he is with allstate and is a miracle worker. I pay 1700 a year on my JKU and he will insure anything.
    Well first of all i was and still am paying under $1200.00 a year on my jeep and I am not sure about going with someone that will insure anything.

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    As we go on in life and get the experience we need (age does not matter) we start to realize what insurance is all about. You have to play their games and no matter how time wasting and inefficient the process may be, you have to play along.
    The day after I got it back it was back up and running and on the road
    To an insurance company this might seem suspicious, this is going to sound stupid but hear goes.
    I'm assuming hear that you did the work yourself.You should of taken it to a shop, have them repair it, get the bills of course and have them do a safety on it then call the insurance company and tell them what you did.
    In my opinion this would of helped you out for the future.
    As it stands now according to what I can gather from you post, sell the jeep and get another one.
    good luck.
    Don't ask me cause I don't know.

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    Quote Originally Posted by farookismail View Post
    As we go on in life and get the experience we need (age does not matter) we start to realize what insurance is all about. You have to play their games and no matter how time wasting and inefficient the process may be, you have to play along.

    To an insurance company this might seem suspicious, this is going to sound stupid but hear goes.
    I'm assuming hear that you did the work yourself.You should of taken it to a shop, have them repair it, get the bills of course and have them do a safety on it then call the insurance company and tell them what you did.
    In my opinion this would of helped you out for the future.
    As it stands now according to what I can gather from you post, sell the jeep and get another one.
    good luck.
    I don't know why everyone wants me to scrap my jeep?? is everyone that hard up for zj parts ? and as for doing any work my self what does that matter?? they were not paying out anything for repairs. and it I had sparkplug wires along with the tires and battery when I went to get it for the impound I could of drove it home so what is your point ?? it didn't even get more than 25 km form my house to where it was found.

    I think everyone is mad because my jeep lives.

    as for getting a shop to do the work it would be cheaper to buy 2 new jeeps plus how am I gong to learn how to work on my jeep if I get someone else to do all the work. If I wanted all the work to be done by other people I would of bought a fully modded jeep but where is the fun in that.

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    I feel you pain brother. No one wants you to scrap your jeep, and as for zj parts there a dime a dozen at any scrap yard. Were just trying to help with advise as we best can gather from your posts. I guess we might be speaking out of turn so on behalf of everyone were sorry. Don't get mad or stressed. There are bigger fish to fry.
    Bigger organizations like insurance companies have a way of thinking about things and they might be thinking that "there's a pole cat in the hen house"

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    Well 1st if the police say the jeep was a right off or the ins company pays you out as a right off the jeep or any vehicle is now deemed by the mto as a savaged vehicle and will have to go through the hole mechanical and structural inspection before they ins anything on the road.

    And 2nd most ins company when they find out that you have not done things the way you shouldn't have. ie. not having it you name or even in the name of the person you bought it from. (technically i believe you have 6 days to change it over to your name BY LAW)
    they will not have anything to do with you or ins'ing you

    Your actually luck that the new ins company will ins you for liability.

    This is just from my experience in my younger yrs lol
    Last edited by DWG; 01-09-2015 at 11:30 PM.

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    Quote Originally Posted by DWG View Post
    Well 1st if the police say the jeep was a right off or the ins company pays you out as a right off the jeep or any vehicle is now deemed by the mto as a savaged vehicle and will have to go through the hole mechanical and structural inspection before they ins anything on the road.
    ok first of all it was not a right off. second of all the insurance company didn't pay out even 1 cent. third it has no brand on it got new plates and everything from the MTO and they never said that I need any inspections done at all

    Quote Originally Posted by DWG View Post
    And 2nd most ins company when they find out that you have not done things the way you shouldn't have. ie. not having it you name or even in the name of the person you bought it from. (technically i believe you have 6 days to change it over to your name BY LAW)
    they will not have anything to do with you or ins'ing you
    I have not done anything wrong with the jeep I have had it for a year full safety inspection e test everything required by law and the MTO for the jeep. the MTO had no problems or requirements to put it back on the road so for the jeep your second point is mute.


    Quote Originally Posted by DWG View Post
    Your actually luck that the new ins company will ins you for liability.
    why am I lucky??? I didn't steal my jeep I didn't pay anyone to steal it or anything there would be no point to have someone steal it because I didn't have the fire and theft on it when it was stolen. I am the victim here. plus almost every repair I have done since I got it back I was going to be doing anyway.



    Quote Originally Posted by DWG View Post
    This is just from my experience in my younger yrs lol
    And how many years young are you?? I am less than a year away from having my licence for 30 years.

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    The age of your jeep probably also isn't helping. Insurance companies figure any older car is just a junker waiting to fall apart and kill someone. They also have policies about unlucky cars. I'm not kidding here, if they feel that you or your car is unlucky they will jack your rates or drop you. (had it happen to a friend who had too meany NOT at faults) they want the inspections for 2 reasons. 1 to make sure you fixed any damage properly and 2 because you arn't a mechanic or shop who has their own insurance. They don't trust you and it's their money on the line if you screwed up or lied. Remember this is no reflection on you or your jeep. Insurance companies figure everyone is lieing to them and so when you tell the truth it just doesn't sound right to them. Also your vin is somehow flagged in their database (all companies share info btw) that jeep will probably never see fire and theft coverage again.
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    just like to say sorry to those of you on here that are trying to help for blowing up but some people

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    Seems I pushed a button, sorry about that. I am just advising what I would do but all the power to you if you get it on the road.




    Realistically this is the internet, you can't expect it to be all fuzzy and nice. Go meet some people in real life, there are some great folks in the jeep community.

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    ok I will try this one more time


    not to be rude but to be clear

    ok ritchierich the reason I am blowing up about what you said is because you got the facts mixed up

    the 1995 jeep my daily driver was and still is 100% legal with it's purchase and was insured at the time it was stolen ( just didn't have fire and theft )

    when my 95 was stolen I purchased the truck 89 gmc that has the questionable paperwork that is still not in my name ( is sitting in pieces waiting to be fixed and has at least 6 months of work needed before it could even go for safety.)

    now when I first told my insurance company about buying the truck as a replacement for my jeep they jumped all over insuring the 89 gmc not in my name or the name of who I bought it from without a second thought and I told them I wanted the insurance left on the jeep for at least a couple months in case it is found so I don't have to go through all this bs and they screwed up and insured the truck then removed the jeep from the policy ( according to them about a week and a half before it was found) and now they refuse to add the jeep back to the policy without getting a full structural and mechanical inspection done because it was stolen.

    I was with an insurance broker when they told me this I told them I guess I need to get a different insurance company

    so you know what the broker did!? they dropped me!!

    They are a broker they handle a ton of different insurance companies so all they had to do was find me different company ffs

    I don't know what they are telling other insurance companies but now no one will put fire and theft on my 95 ever is what I am being told and the only reason they give is because it was stolen.


    as for everyone else I am reading every word posted and everyone seems to be getting stuck on the purchase of the jeep which is not in question

    simply put:


    why the hell can I not get fire and theft on my jeep ??????? anywhere????????? because it was stolen??????? that is a little stupid. I am sure not every car, truck, bus, bike train .... ok going a little far LOL has to go through the same thing.

    yes I know it is like closing the gate after the horses get out but having my jeep stolen pushed the point about getting fire and theft so when I got it back hell ya I wanted fire and theft put on it

    the sad part is the day my jeep was stolen I was planning ongoing shopping for an alarm and kill switch as well as security cameras for our house as we had some problems in the area with break ins and things

    as for telling the insurance company about it being stolen? well my jeep was still in my name and I was still liable for and damages to other person and property whether it is in my possession or not plus I called them even before the cops showed up to take my report to confirm I didn't have theft.

    oh ya and it took a month and a half before my broker told me or should I say the cop that pulled me over that I did not have any insurance coverage on the jeep despite the week of trying to jeep the insurance straighten out when I got the jeep back and being told I had the insurance back on and we were talking about getting the fire and theft put on. So in reality I was driving around with no insurance for a month and a half thinking I had insurance. then they stiffed me on me premiums refund for the truck that was insured for less that 30 days as well as stiffed me on the jeep premium refund as well as well.

    but that is another ball of wax I have to deal with as well
    Last edited by ferretman; 01-10-2015 at 08:06 PM. Reason: typos

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    Well good luck with your situation. Me and my buddies have had nothing but good luck with our rigs, but this thing sounds cursed haha!


    Cheers.

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    I had an issue with a broker dropping me in the past. I had a string of bad luck where people just kept hitting my cars. (hit from behind at a light, t-boned when two old ladies ran a stop sign while looking at each other talking, lane changed into, and car hooked and dragged from a parking spot from a 70's conversion van bumper, all within a couple year span)

    I called around to all kinds of places and everyone quoted me more than double of what I was paying, even though I had no at fault accidents on my record.

    Eventually a smaller broker filled me in on what he claimed was a secret. He told me every insurance company by law has to have an independent unbiased ombudsman to oversee any customer/insurance disputes. He told me to call my old insurance company and ask to speak to the ombudsman and state my case. I called and asked for the ombudsman. Sure enough one existed, and I proceeded to tell the guy what happened and what my request was (to renew my insurance at the same rate). He took my info and said he would investigate the matter. Within two weeks I was back up and running (although he renewed me through a different broker).

    Anyways, I think if you attack it from that angle you might have some better luck.

    Jason

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    ferretman, i can see why you could get upset. a few folks got their info completely crossed up. i would follow d-dog advice. sounds pretty solid and reasonable. as far as requesting structural and mechanical safeties, this is to ensure that there has been no hidden, as in undiscovered damage, ie a cracked frame etc. remember they are insuring you and the vehicle. they want to make sure it is a safe vehicle. most stolen vehicles have the hell driven out of them.the insurance company is covering their backside. it has nothing to do with you doing the work. but all that is no excuse for them not allowing fire and theft on your jeep. that is simply a BS move by your insurance company.

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    Insurance companies run on a 2 word theory.
    RISK MANAGEMENT.
    Your circumstances in the past year pose a risk.
    The inspections and stuff they are requesting are to reduce the "RISK" on their part.
    Without the inspections, plus now wanting to add fire and theft on something after it has been stolen once already = no thanks we don't want to insure you go elsewhere.
    It is a simple theory, and yes it sucks, but that is how insurance companies operate!
    Stop fighting with people over their opinions, they are just that, opinions! If you don't want to hear them, then don't ask for them on an open forum.
    BTW. some of your posts, threads are so ****in hard to follow it is ridiculous.
    WARNING! I am about to do something really fawking STUPID!!!!!!
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    Quote Originally Posted by D-Dog View Post
    I had an issue with a broker dropping me in the past. I had a string of bad luck where people just kept hitting my cars. (hit from behind at a light, t-boned when two old ladies ran a stop sign while looking at each other talking, lane changed into, and car hooked and dragged from a parking spot from a 70's conversion van bumper, all within a couple year span)

    I called around to all kinds of places and everyone quoted me more than double of what I was paying, even though I had no at fault accidents on my record.

    Eventually a smaller broker filled me in on what he claimed was a secret. He told me every insurance company by law has to have an independent unbiased ombudsman to oversee any customer/insurance disputes. He told me to call my old insurance company and ask to speak to the ombudsman and state my case. I called and asked for the ombudsman. Sure enough one existed, and I proceeded to tell the guy what happened and what my request was (to renew my insurance at the same rate). He took my info and said he would investigate the matter. Within two weeks I was back up and running (although he renewed me through a different broker).

    Anyways, I think if you attack it from that angle you might have some better luck.

    Jason

    thank you D-Dog that is actually helpful and I may do that very soon and call my old broker and ask to speak to their ombudsman about what happened.

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    Quote Originally Posted by ferretman View Post
    thank you D-Dog that is actually helpful and I may do that very soon and call my old broker and ask to speak to their ombudsman about what happened.
    You need to call your insurance company to speak to their ombudsman. A broker does not have this option.
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    Oh I agree that the age discrimination is bs, it does however exist. There is an age limit to what cars they will normally insure without you jumping through all kinds of hoops. Classic cars are another story and they frequently require an appraisal.

    Again as CDT said, your broker doesn't have an ombudsman. The actual insurance company does. Start there, state your case to the ombudsman and go from there. Like d-dog said they may put you in touch with a new broker but at least you will get what you need.

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    There is one thing common to many of your threads. You ask for help / advice and then lose your sh!t when you hear stuff you don't like. This is the Internet and like most forums out there you sometimes need a thick skin and have to look where the comments are coming from.



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