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23 Posts
So I have no problem getting liability or whatever, it's done, but what I have now is a truck that costs 5x more than the insurance payout. I talked to my agent today and they did a bunch of searching and couldn't come up with anyone that would insure the truck for a 10-15k payout.
I went through this with my Honda Odyssey campervan, all the off grid stuff in it plus the mods, replacement cost is way way more than someones crappy insurance would pay me. With that vehicle, since I live in one of the worst states for rear end collisions, I got a huge trailer mount cargo basket and put a full sized spare tire in it on turnbuckles. Would save the vehicle from many smaller vehicle rear-end collisions.
And so maybe now I start to understand why people mount "armor" all over their trucks, and upgrade to duallys, and all kinds of stuff, (to defend it), because perhaps it's just the reality that one can't get decent insurance to cover the replacement cost of their older vehicle?
Or am I wrong?
I went through this with my Honda Odyssey campervan, all the off grid stuff in it plus the mods, replacement cost is way way more than someones crappy insurance would pay me. With that vehicle, since I live in one of the worst states for rear end collisions, I got a huge trailer mount cargo basket and put a full sized spare tire in it on turnbuckles. Would save the vehicle from many smaller vehicle rear-end collisions.
And so maybe now I start to understand why people mount "armor" all over their trucks, and upgrade to duallys, and all kinds of stuff, (to defend it), because perhaps it's just the reality that one can't get decent insurance to cover the replacement cost of their older vehicle?
Or am I wrong?