Insurance information straight from the source!

[klayfish]

Holy crap, I must be tired. I agree with most of your post Evan. The build quality is a concern for the insurance company. Plain and simple, they don't have a lot of experience with Cobras. They have lots of experience with the street rods. The street rods have proven on their own that they are well built and they are safe drivers. We need to do the same on our own. We need to show them that our steering wheels won't fall off, our brakes will work, etc... However, the list we are proposing is not just for insurance. We want to make sure we live to see tomorrow.

However, Evan, the insurance companies ARE worried about the drivers and street racing. Yes, there are exclusions for track racing, but there are NO exclusions for street driving. There is no "stupidity" clause in the policy. In other words, if some clown goes 75 mph in a school zone because he was racing some kid in his TransAm, and plows into a school bus, there is no denial of that claim. The hot rodders have shown that they don't do this, they don't tend to drive that way. Apparently the Cobras have, and they have that "reputation". Whether the reputation is fair or not can be debated, but it is there. We need to change that. They also see the Cobras as having more performance potential, and therefore the potential for more danger. We have to show that we are aware of the potential danger and know how to handle it.

I may be able to get some of the actual claim statistics, but I will make no promises. There are several obstacles for me. My computer system at work has no way to sort claims by vehicle type. I'd have to depend on the claims adjusters. The claims adjusters are in Cincinnati. They are very busy. Also the privacy issue. I don't want to get myself in trouble. I'll see what I can find out, but I don't think my claims adjusters were lying to me. They said that given the small number of Cobras out there, they see more Cobra claims than they expect. They also said that usually when one wrecks, it WRECKS. It's a loss caused by spinning out and such.

DV is right, it is about safety. Plain and simple. Not just insurance, but safety for us. It's not a Ralph Nader movement. Nobody is trying to take away your freedom or fun. Hell, we've got nothing to do with government agencies. Ask the NSRA owners if that group has taken away from their fun or added to it.

We've GOT to do this.

Steve