Cascade Crew

blue89 · Posted: Thu Apr 05, 2007 2:24 pm Post subject: Washington Insurance Question

Is anyone an insurance specialist?

Here's the deal:

I own 3 vehicles
89 camaro
89 camaro
97 Tahoe

I have broadform insurance which "should" cover any damages I can inflict. I just got told by my girlfriends insurance sales lady that I can't have broadform insurance if I own the vehicles I drive.

WTF?

I'm trying to have full on the tahoe and liability on the camaro's.

I called my insurance guy back up and he says bs, otherwise noone could afford to insure multiple cars. Broadform pays for damages I do, but the cars won't get fixed by the insurance. If I want full coverage on the Tahoe, then I get Full Coverage Insurance (which is not broadform coverage) for just it, but then I would still need broadform for the other two. Does all this sound right?

BigDaddyVu · Posted: Thu Apr 05, 2007 2:33 pm Post subject:

i have broad form. only if you own multiple cars that run and working order. except if one vehicle requires full coverage you can't (making car payments) then you can't. its pretty much insuring your drivers licence and you can drive other people cars aswell.

BigDaddyVu · Posted: Thu Apr 05, 2007 2:35 pm Post subject:

whats the name of the ins. company you have broad form with?

blue89 · Posted: Thu Apr 05, 2007 2:53 pm Post subject:

Viking. Its cheap for me (I have one Neg) at $70/mo

Sounds like you just described what the Insurance Agent told me. Sounds like my gf's agent is trying to get more money out of me.

BigDaddyVu · Posted: Thu Apr 05, 2007 2:59 pm Post subject:

same here i think they are the only one still offer broad form.

blue89 · Posted: Thu Apr 05, 2007 3:29 pm Post subject:

Cool. At least I can say I know someone else on this insurance! Lol. They are pretty cheap for the service they offer.

Sounds like we'll be okay but I need to strangle her agent. We just need to make sure she wrecks it (since she's doing full coverage) if it ever comes down to it! Its a fun truck. 97 Tahoe, Red, 4" lift, 35x12.5 BFG's. Got it on Monday.