Insurance Problems

[fsstnotch]

Originally Posted by WarrenG

Pretty moronic assumption IMHO! So the person who their car has more respect and knowledge of what it can or cannot do than the person that laid out $50-70K or more to purchase one? Sorry, I'm not buying it! If anything the person who put theirs together instead of buying a professionally built one would be more of a possible liability since the insurer has no way of knowing the quality of the build and whether or not the car will stay together on the road. Besides, I'd expect the builder/owner to be the first one to go out and push the car to the max to see what his handywork was capable of.

Well Moron, it was an opinion. Much like yours! My point, a guy walks into a dealer and drops 50-70k on a cobra. A very powerful RACE CAR! This person has plenty of MONEY and no ABILITY or EXPERIENCE driving a car with such power. Therefore, no business buying one until he does have some experience with a HP car. If you had read my further posts I agreed with Robin about insurance companies insuring a built car more easily than a home built kit. Like Robin said, it's a double ended sword.

Comparitively, I could walk into a store or hit up ebay and buy myself an airplane. I have never flown an airplane in my life. Now how much sense does that make?

I did not say that EVERYONE who buys their car goes out and crashes it. I'm saying that IMHO, those are the people who are more dangerous. But I completely agree that buying an assembled car could be safer for an insurance company. Not necessarily safer for you! Remember, the insurance company is only more willing to insure assembled cars because if it fails due to build quiality, they are not liable. Not because an assembled car is assembled any better than a kit.

Just out of curiosity, did you buy your car or did you build it from a kit? How much experience did you have with HP cars before buying/building your cobra? See, your ASSUMPTION could be biased. I was afraid that stating my opinion would upset some of the "buyers" in the thread. But chances are, if you are offended by my assumption. You are probably not the problem.

If you also read, Robin stated that most of the claims WERE originally rollers. So maybe my ASSUMPTION isn't as "moronic" as you think.

My point exactly, BDR gets 31k worth of INSURANCE repairs because the owner ran a red light...
Gettin' Down In the BDR!

Josh