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  #11  
Old 10-16-2012, 05:42 PM
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Quote:
Originally Posted by snrusnak View Post
^What insurance is it?
It's like the insurance that a farm truck would have but the policy is not as big and I don't get a farmers discount.
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  #12  
Old 10-16-2012, 11:30 PM
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I also have to say that that is messed up you had your insurance pay for it.
According to your "policy", you can do whatever you want (over your truck's limits) like you just did and they will cover it... I call BS on that one!
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  #13  
Old 10-16-2012, 11:55 PM
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Hell my policy covers my truck. Not my truck, on paved highways, between the house of 9am and 11pm etc. I never saw anythng in there that said I couldn't do this that or the third.

Wouldn't lie about what happened, but would fully expect them to cover it. That's why I pay them.
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  #14  
Old 10-17-2012, 07:59 AM
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If you have a "regular" policy like just about everyone does, this type of use is not covered. It's in the policy, you just didn't read it.
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Old 10-17-2012, 10:38 AM
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Quote:
Originally Posted by snrusnak View Post
Definitely BS you had insurance cover it. Insurance is for accidents on the road, they aren't there for off roading, drag racing, etc. Wreck a car on the drag strip and you are NOT covered. Same thing here. Way to take advantage and raise everyone elses rates that had nothing to do with this situation.

I don't understand why someone would destroy a perfectly good truck anyway.

Shenanigans is a good way to describe this...

I do not agree with your statement at all. I have been paying insurance on my vehicles for 10 years and have never had a claim(no wrecks, nothing). So for 10 years they have been making a butt load of money off me and I have not seen anything in return but a peice of paper i keep in my glovebox, and piece of mind i guess. If something like that ever happened to me I would do exactly what he did, get some of my money back!
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  #16  
Old 10-17-2012, 10:40 AM
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looks like fun dude!! glad you actually use your truck whether for pleasure or work! i would def get my insurance to pay for it...seriously thats what i pay them for...truck will look better than ever!
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  #17  
Old 10-17-2012, 10:57 AM
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Man, you all are brutal on the guy.....
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  #18  
Old 10-17-2012, 11:04 AM
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You all keep saying "that's what insurance is for" but it's not, if you read your policy it excludes coverage from this type of use. Unless you have one of these special policy's I guess that was mentioned earlier...still I find that hard to believe though. Even if you have some sort of "farmers" policy it won't cover off road pleasure use. Yes on a trail on a farm sure, but not off roading for pleasure tearing up your truck on purpose.

Same concept as the exclusions in life insurance policy's. My life insurance excludes coverage for activities such as bunjee jumping, hang gliding, etc (risky activities). Some health insurance excludes coverage if injured while riding a motorcycle, etc...

And I'm not on the insurance company's side, I hate them all just like you guys, they are basically thieves. I'm just saying as an FYI, this is NOT supposed to be covered.
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  #19  
Old 10-17-2012, 12:28 PM
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Quote:
Originally Posted by snrusnak View Post
You all keep saying "that's what insurance is for" but it's not, if you read your policy it excludes coverage from this type of use. Unless you have one of these special policy's I guess that was mentioned earlier...still I find that hard to believe though. Even if you have some sort of "farmers" policy it won't cover off road pleasure use. Yes on a trail on a farm sure, but not off roading for pleasure tearing up your truck on purpose.

Same concept as the exclusions in life insurance policy's. My life insurance excludes coverage for activities such as bunjee jumping, hang gliding, etc (risky activities). Some health insurance excludes coverage if injured while riding a motorcycle, etc...

And I'm not on the insurance company's side, I hate them all just like you guys, they are basically thieves. I'm just saying as an FYI, this is NOT supposed to be covered.

I agree. That is not what insurance is for and that according to the average policy it shouldn't be covered. however, I don't see anything wrong in letting them pay for the repairs.
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  #20  
Old 10-17-2012, 12:43 PM
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Yeah if he told them what happened and they decided to cover it then I guess good for him. I just get the impression he lied about it. I have seen people wreck their cars at the drag strip then tow them a mile down the road, park it next to a concrete barrier, and call the insurance company...
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