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153 days to go
nope not unless your trying to get your vehicle fixed in the process, with liability only they usually just take a phone statement because there's no need to look at the vehical.
Again I guess its how you look at it, i payed them to insure one jeep zj, whats the difference if its got 32's on it or 36's with alot less sheet metal. They never run at the same time so i'm only driving one jeep zj which I payed them for. And on top of that they will only pay to fix the other persons car, so its not like i'm getting any more money for one jeep or the other.
technically by not telling some insurance companys you own a modified vehicle would be insurance fraud because they would want to charge you more.
Care to list any of these companies? Things may be different out west where wheeling is much more common, but here in the east, I don't think I've ever come across a buggy-friendly insurance policy. There was a lengthy thread on Pirate a few years ago about insuring a buggy, but it seemed that only the west coasters had any luck with it...
My ZJ has the bare minimum insurance coverage that NY allows, but I'd feel better about finding a buggy-specific policy.
My insurances agent has seen mine out the window, commented on it, and compared it to her husbands. Never changed any of my rates
curious, i did a quick search (local)
found an Allstate agent minutes from my house
not sure what his ORV insurance covers, but i think i could pick up some basic liability coverage for a buggy if i had oneAllstate, Boat Insurance, Business Insurance, Car Insurance, Home Insurance, Life Insurance, Motorcycle Insurance, Off-Road Vehicle Insurance, Renters Insurance, Snowmobile Insurance, Teen Driver Program
think about it from an insurance standpoint - what's the difference between a quad & buggy? wheelbase?
How much damage an ATV vs. Buggy can cause...
No, other vehicles & people.
Not at all. Perhaps we're talking about two different things. Good chance of that.
I am saying if you take a 4000lb buggy 4-wheeling and it rolls over and hits 3 people, or a cable snaps while recovering, or etc...it'll do more damage then a 500lb ATV. Because of its ability to more easily cause more damage, it would have a higher insurance premium.
bingo.
I've seen a half dozen or more injuries related to rolling over on trails, and lots more in competition.
Say you have a random person riding along with you (it happens) and you put it over and they stick their arm out as a reflex, crush their arm. You're liable. I've seen fingers and arms smashed against the ground and roll cage, I've seen concussions (I had a guy riding with me get a concussion on an endo I did at GSW 02), I've seen major cuts that required stitches, I've seen a buggy hit an ATV on a back road, I've had close calls with motorcyles and mtn bikers, and other vehicles.
Do you want to be personally liable for any of those damages?
The insurance is out there, it's just a matter of finding it.
Anybody camp out for GSW?
It sure would save some $$$ if a guy could just stay in a tent.
There has to be some good places to setup a camp right?
Depends. There are a few KOA style camp grounds in the city that have tent pads, or little cabins. the 'canyonlands" campground is actually right next door to the Redstone where a lot of people stay.
If you want a little more primitive but still convenient, you can stay up at Sand Flats which is about 5 minutes from town. It's more primitive, but still a developed camp area in a recreation area.
If you want primitive, there are some options, but most of the nice scenic ones will be 30-45 minutes from town. Kane Creek, dubinky well road, barlett wash etc.
It can get pretty hot though in june. By my guestimation a tent would be approximately 1,829 degrees by 9 a.m. Being able to shower after a hot day on the trail is certainly a treat. My recomendation would be the Canyonlands camp ground as it will be less expensive than a hotel, has lots of shade trees, public showers, and is still in the thick of things.
My vacation was approved for GSW 2010.
I'm not disputing the need for insurance! - My point was that it shouldn't be impossible to get. How the Fuck did this conversation get turned upside down?
Insurance rates are based on STATISTICS not "I saw this or I saw that or my buddy's rig is a POS and he might roll over", etc.
Compare the total number of insurance claims for accidents and deaths from busy urban roadways against the actual number of off road buggy accidents. Insurance rates also take into consideration the number and $$ amount of claims.
And of course don't forget the individual's driving record. Should there be a requirement to pass additional driver testing (something similar to getting a CDL?)
If I were to insure a buggy, I would require some type of standardized vehicle inspection or certification (something similar to automobiles in most states).
Everytime I see this thread up at the top I pretty much go from 6 to Midnight due to excitement.
....and so we made a baby that for some reason is due the week of GSW so I guess we'll see ya next Year!!!!!!
Damn sudz take a breath, i'm sorry I got the insurance issue started. I'll get that other thread started for the trip out here later on in the year. Should i start it hear as a version 2.0 or in the trail ride section?
Count me in for 2010! Can't wait!!
G-
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