Do GY Billboards void your insurance?

[Dimis]

Originally Posted by DAVID GAGNARD

Yes it can,no argument there,but,again,can anyone site a case were the insurer used this argument to not pay on a claim?????

David

Yes!

Details: Sometime ago dad had a 1970s Chrysler Valiant, driving one day in light rain dad ran up the back of a Toyota, after slipping on the tram (light-rail) tracks.
The damage done was light a tail light cluster and rear bumper for the Toyota and a spit polish for the bumper on the Valiant.

This incident happend in the 90s, car was about 20-25 years old at the time. Dad was comprehensively insured. He was left holding the bill, just under $1000 as the insurance company refused to pay the claim. Reason quoted: the nuts on the wheels weren't original oem. We argued the point to deaf ears. It was easier and less hassle to just pay ourselves.

I've no confidence that the insurance company would have paid had the damage been more substantial, despite the full comprehensive policy.

All I can say is lucky for me I haven't yet had to call upon my auto insurance policy, I dread the day. I've probably jinxed my shelf now for saying that. Doh!

[patrickt]

Originally Posted by Dimis

Reason quoted: the nuts on the wheels weren't original oem. We argued the point to deaf ears. It was easier and less hassle to just pay ourselves.

All I can think is that you had a funky policy originating out of a goofball country. That wouldn't fly here in the states. Now, if I were paid to come up with an argument for denying coverage on a Cobra, that would not, on its face, garner an obvious bad faith denial claim... I think the best I could probably do is to take a car (think Morris's Kirkham) that was underwritten on the same policy as all the cars in his family and then claim it was excluded under the "We do not provide Liability Coverage for ... any vehicle which is designed mainly for use off public roads." That language is in most policies. And, hopefully, the insured didn't send in pictures and a description of the car, but just kind of "snuck it through" somehow. And, hopefully it was a fairly recent addition to the policy, because, what you tend to hear from judges or arbiters in cases like that is "but you cashed his premium payments for years and never uttered a peep...." But, you'd need a special Cobra, that is predominantly raced, for that to even have a chance.

[DAVID GAGNARD]

Originally Posted by Dimis

Yes!

Details: Sometime ago dad had a 1970s Chrysler Valiant, driving one day in light rain dad ran up the back of a Toyota, after slipping on the tram (light-rail) tracks.
The damage done was light a tail light cluster and rear bumper for the Toyota and a spit polish for the bumper on the Valiant.

This incident happend in the 90s, car was about 20-25 years old at the time. Dad was comprehensively insured. He was left holding the bill, just under $1000 as the insurance company refused to pay the claim. Reason quoted: the nuts on the wheels weren't original oem. We argued the point to deaf ears. It was easier and less hassle to just pay ourselves.

I've no confidence that the insurance company would have paid had the damage been more substantial, despite the full comprehensive policy.

All I can say is lucky for me I haven't yet had to call upon my auto insurance policy, I dread the day. I've probably jinxed my shelf now for saying that. Doh!

As Patrick alluded to, that wouldn't even come close to making here in the U.S....
I was in the auto repair business for 13 years before "jumping ship" to the insurance claims side, been doing that since 1994 and still at to this day.
I have worked an average of 1,000 auto claims per year since 1994 and have never seen an insurance company deny a claim based on something like "non DOT tires"!!!!!!!
If I was soo inclined to do and the insurance company wanted to, I'd bet I can easily find something of that nature to deny 90% of the claims that come across my desk.....the easiest one is to check the air pressure in the tires,if it is not at the manufacters recommend pressure one could argue that this was a contributing factor to the accident, how many people check their air pressure daily????? Pretty thin and unless the tires were flat a judge would throw that out so fast your head would spin.......

Any changes to a car from factory specs would be grounds to deny coverage,again,tire size,if it is not the exact same tire size as delivered,you have altered the car....
Once an insurance company takes you money and binds coverage there are a lot of "unwritten rules" that apply, if they continue to take your premium and bind coverage knowing there is a "defect" or possibly dangerous situation with a your car and do not make you aware of it and the possible loss of coverage, they are bound to provide the coverage and pay the claim....

Laws in Australia and the U.S. I guessing are vastly different, you can't compare one to the other......

Here is a good example,my own case: I have a 1965 Ford Mustang Fastback,I have collector car insurance on it and have since I bought and restored the car in the mid 90's....To insure it, they required very good 35mm photos of the four corners of the car, at least two of the engine compartment/engine up close and 2 of the interior... Since the mid 90's I have raised the "agreed on value" of the car twice as it has gone up in value and each time they required new photos, no problem,I took them and sent them in and they agreed to raise my policy value to what I wanted.....
So now, they have had photos of the car/engine/interior since day one,if there was a "defect" they would have been obligated to inform me of it then and had me correct it or just deny coverage altogether, but since they didn't and have taken my money for all these years it would be all but impossible for them to deny a claim based on a "defect"....
Thank God, I have never had to make a claim and hope I never do, but I rest easy at night knowing they will pay should the need arise....

David

[patrickt]

Originally Posted by DAVID GAGNARD

I was in the auto repair business for 13 years Laws in Australia and the U.S. I guessing are vastly different, you can't compare one to the other......

I think they're pretty much still a penal colony....

[BobTheBuilder]

Originally Posted by DAVID GAGNARD

.....So now, they have had photos of the car/engine/interior since day one,if there was a "defect" they would have been obligated to inform me of it then and had me correct it or just deny coverage altogether, but since they didn't and have taken my money for all these years it would be all but impossible for them to deny a claim based on a "defect"....

Thank God, I have never had to make a claim and hope I never do, but I rest easy at night knowing they will pay should the need arise....

David

The photos are used by underwriting to verify the claimed condition, make and model of the car you are trying to insure. They are not intended, nor can they likely, show a mechanical or material "defect". The insurer is under no obligation to notify you of a pre-existing condition that exists on your vehicle, based upon photos you provide, and can and likely will deny any claim you attempt to make for a pre-existing condition that can be shown to exist in photos that you have supplied.

Also, I would like to see what "DOT" related exclusionary wording is being referred to in this thread as being in an Automobile Policy as I have never seen of or heard of any such exclusion existing or being applied.

[patrickt]

Originally Posted by BobTheBuilder

Also, I would like to see what "DOT" related exclusionary wording is being referred to in this thread as being in an Automobile Policy as I have never seen of or heard of any such exclusion existing or being applied.

Nor have I; it's ClubCobra "urban myth." I even spent a few minutes today doing a keyword search on the ISO exclusion forms and couldn't find anything even remotely close.

[G-Pete]

I'm still waiting for the letters...

[patrickt]

Originally Posted by G-Pete

I'm still waiting for the letters...

Fair request; Evan, produce the letters.

[patrickt]

Originally Posted by G-Pete

I'm still waiting for the letters...

If Evan hasn't posted his letters by the end of the day, you might think about asking the moderators for sanctions against him for his failure to proffer timely discovery. Just helping you along, Petey....

[G-Pete]

Originally Posted by patrickt

Just helping you along, Petey....

Thanks, I think I can handle that...