rwb0481
Observer
I've owned my 1984 FJ60 for the past 6 or so years, but over a year ago took it off my insurance (liability only) while I was working on it. During that time I replaced all of the brakes, did work on the engine, interior and spent some time (still am) taking care of some minor body rust. I did the work myself and bought the parts as I could afford to so I knew from the start it would be a lenghty process and the LC wouldn't leave the garage for at least a year, hence removing it from the policy.
Fastforward, to today. This weekend I reached the point to where the brakes were brand new and the engine is up and running good enough to hit the town. In Tennessee you gotta have insurance to drive it. So I call them up to add(re-add?) it to my policy and got the biggest run around. First they say I have to bring it by their office to get it inspected. Well, ok... never done that before but rules is rules... So I drive it on over and get questioned as to why I am adding it back to the policy, why I took it off, why I would want to drive it, asked at least 5 times if I was sure it has never been wrecked, asked IF I DROVE IT THERE, and then finally now this is the best part: asked where the brakes are.
After being asked all of that I helped the situation spiral down hill when asked if I drove there, I replied "no ma'am I peddled it." When she asked where the brakes were I replied "I sure hope somewhere near the wheels." She then proceeded to walk around the vehicle 3 times asking if there were any dents, to which I replied "not since the last lap." So, I made it through that with all of my dignity, but not much of my reasonability left. After the final "inspection" was complete she asked if I really wanted "to insure such a vehicle." I'm seriously considering switching insurance companies after that. I have my home, life and auto(4 vehicles) insurance through them and feel I could get better service elsewhere.
Have any of you experienced any hassles in trying to insure an older Land Cruiser? Now I will add that mine 90+/-% stock. Mostly Toyota parts used when available and in pretty good shape. Is anyone here in the auto insurance industry and able to shed a little light on the issues. I know nothing about their rules and regulations. Anywho I just wanted to vent and see if this is as odd as I made it out to be.
Here is the vehicle as it looks today:
I'm positive I want to insure it....
Fastforward, to today. This weekend I reached the point to where the brakes were brand new and the engine is up and running good enough to hit the town. In Tennessee you gotta have insurance to drive it. So I call them up to add(re-add?) it to my policy and got the biggest run around. First they say I have to bring it by their office to get it inspected. Well, ok... never done that before but rules is rules... So I drive it on over and get questioned as to why I am adding it back to the policy, why I took it off, why I would want to drive it, asked at least 5 times if I was sure it has never been wrecked, asked IF I DROVE IT THERE, and then finally now this is the best part: asked where the brakes are.
After being asked all of that I helped the situation spiral down hill when asked if I drove there, I replied "no ma'am I peddled it." When she asked where the brakes were I replied "I sure hope somewhere near the wheels." She then proceeded to walk around the vehicle 3 times asking if there were any dents, to which I replied "not since the last lap." So, I made it through that with all of my dignity, but not much of my reasonability left. After the final "inspection" was complete she asked if I really wanted "to insure such a vehicle." I'm seriously considering switching insurance companies after that. I have my home, life and auto(4 vehicles) insurance through them and feel I could get better service elsewhere.
Have any of you experienced any hassles in trying to insure an older Land Cruiser? Now I will add that mine 90+/-% stock. Mostly Toyota parts used when available and in pretty good shape. Is anyone here in the auto insurance industry and able to shed a little light on the issues. I know nothing about their rules and regulations. Anywho I just wanted to vent and see if this is as odd as I made it out to be.
Here is the vehicle as it looks today:
I'm positive I want to insure it....