Important
- Thread starter bshaw
- Start date
Come to think of it, doesn't IN have some of the laxest vehicle regulations in the country? I think that IL has both a bumper and a frame height restriction, the upshot is that pretty much anything over a 3" lift on an XJ will violate it. And VA had a no light over 48" from the ground restriction, IIRC.
- Location
- Lafayette, IN
For both my last XJ and ZJ wheeling rigs, I always had PLPD on them. I tried to bump the ZJ up to full coverage at one point, and they wanted to see it to verify the condition... I told them "nevermind." I have State Farm and point blank asked them if keeping liability on it would help me in the event of some dumbass kid on a ATV crashing into me, and they said that it would. :dunno:
I still keep liability on the current XJ but that's it. It's not a "strictly wheeling" rig, but it's a hobby vehicle and I have something else to drive. I'd be pissed if I rolled it but I'd be a lot more pissed if I wrecked my DD or my truck since I actually need those.
It certainly can happen, I know a guy who got a sizable check and his rig back when he totaled it at the Badlands. Unfortunately it happened again a couple months ago, and no full coverage this time.
RedHeep
NAXJA #1499
- Location
- Landenberg, PA
Why not? Vehicles roll all the time.
Like was mentioned, you have to understand your insurance policy. If I roll the jeep (that's a big IF, but Sean proved it can happen) it's simply an accident that happened on an unimproved road surface.
The last time I filed a comprehensive claim when I hit a deer in the MINI, my insurance company didn't even look at it. I took it to get fixed where they told me to and picked it up when they were done.
red 'comprehensive deductible of $0' heep
99SJ_Ex
NAXJA Forum User
- Location
- La Crosse, WI
You guys are making me nervous with all this uncovered talk... I have full coverage on the Heep, but my insurance hasn't seen it since I began lifting and modifying it...
I asked someone I know that works in insurance "If I roll the jeep and it hits a rock, would that be covered?" They replied "yes, cause a foreign object hit the jeep..."
On another note, need to work on the steering and front end today... Also need to disconnect the shocks and measure for collapsed and extended lengths and get shocks ordered... And Limiting straps...
I asked someone I know that works in insurance "If I roll the jeep and it hits a rock, would that be covered?" They replied "yes, cause a foreign object hit the jeep..."
On another note, need to work on the steering and front end today... Also need to disconnect the shocks and measure for collapsed and extended lengths and get shocks ordered... And Limiting straps...
- Location
- Bourbonnais IL.
your best bet is to try not to roll it
:gag:
:gag:
- Location
- NE Indiana
- Location
- Michigan
I do not have any insurance on my jeep. There is no way it would ever be considered road legal. I trailer to the trail only. I would place insurance on if the event I was attending required it.
When I rolled my jeep, if I had insurance on it I certainly would have turned it in.
My previous jeep (the blue country), had full coverage because I still owed money on it.
When I rolled my jeep, if I had insurance on it I certainly would have turned it in.
My previous jeep (the blue country), had full coverage because I still owed money on it.
- Location
- Bourbonnais IL.
kmanxj5050
NAXJA Forum User
- Location
- Reed City Michigan
I'm just going to pull it for now.
Fawking 2 doors are expensive to insure. For plpd and comp on the 2000 4 door its 800 a year the 96 2 door its 1200! My 97 two fiddy is 1300 a year for full coverage.
If it was in the garage and a tree crushes the garage the contents portion of my insurance should cover it right?
Fawking 2 doors are expensive to insure. For plpd and comp on the 2000 4 door its 800 a year the 96 2 door its 1200! My 97 two fiddy is 1300 a year for full coverage.
If it was in the garage and a tree crushes the garage the contents portion of my insurance should cover it right?
I'm paying around $430/yr for my 94 2dr 5spd, State Farm. I thought I'd dropped coverage down to liability, I've still got comprehensive on it. Difference is under $100/yr.
Edit: I should also point out there are some rather significant discounts here, I've got a half a dozen different policies, accident free, etc.
Edit: I should also point out there are some rather significant discounts here, I've got a half a dozen different policies, accident free, etc.
- Location
- Michigan
No, if a tree falls on your jeep, or your garage burns down, titled vehicles are NOT covered on your home owners insurance.
You can get storage insurance for just a few bucks that will cover anything except a collision
You can get storage insurance for just a few bucks that will cover anything except a collision
kmanxj5050
NAXJA Forum User
- Location
- Reed City Michigan
23 year olds don't get that cheap of insurance.
yea $200 a year. I might do that to!
- Location
- Michigan
...a Tahoe cost more to insure than a Suburban due to where it falls on the theft list.
XJosh95
NAXJA Forum User
- Location
- Green Bay, WI
Check to see if your rear diff cover is leaking. I'd bet you a dollar that's what it is.
Took the boy down to IN this weekend to visit the folks. A/C blew cold the whole way down on Thursday, which was nice because the hottest I saw on the overhead console was 107*. Around Racine I ran into a small storm. Thermometer went from 107* down to 79* in about 7 miles. Then it popped back up.
Saturday night I went to a buddy's house to watch the PPV MMA fight and when I went to leave, found out my compressor is now seized and I shredded my belt before I could do much about it. Couldn't get a bypass pulley till Sunday around 5pm...then the truck didn't show. So Monday morning I finally got the pulley and tossed it on for the drive home. At least it was cooler and I didn't have to worry about the kid overheating.
So, who's got an A/C compressor for a 97?
XJ&CHZ4ME
NAXJA Forum User
- Location
- Unionville, MO
Hey Mr LOL, I still have the 97XJ as a errand runner (not to mention the 14 XJs, 4 YJs, 2 TJs and multiple military vehicles I've owned)...may want to spend more time researching the longer standing members and the like before you make comments like a sack rider. After you have wheeled multiple parks and sat around camp fires with us, then you may have a better handle of who or what you are talking about.
Cheese "LOL" Man
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- Location
- Lafayette, IN
It all depends... when I was 22 my 05 GTO ran me $1600/year, but I had gotten homeowner's insurance earlier that year and the multi-line discount really saved my ass.
Do you have a house or do you rent? If you rent and haven't already, consider getting a renter's policy from the same insurance company. Renter's policies are cheap typically (~$100/yr) and I want to say my multi-line discount saves me something like 15% across all policies. That would more than pay for itself. I believe that my multi-line discount is a lot more substantial than the multi-vehicle discount. Also, even though I was out of school from age 21-25, I gave them my transcripts and they gave me the good student discount until I was 25 and could get unrated insurance (or whatever they call it).
I'm 27 now and my Duramax with full coverage runs $600/yr and every vehicle I've put liability on so far is right at $200/yr. I can't complain about that.
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hahah, good burn Tyler, maybe his life changed 7 years ago also.
Customizer1000
NAXJA Forum User
- Location
- Ohio
No need to research anything just XXXXing with ya, I have wheeled several different parks, just not with you guys. And I'm no sack rider I can almost be certain I've spent more time wrenching than you have, my life has been pretty much the same since I graduated, plus or minus a few women, and yes I use lol because I can find humor in anything 
didn't mean to upset ya cheese ball
didn't mean to upset ya cheese ball
- Location
- Michigan
Let's not get into a penis size contest. Besides I would win if i joined. LOL.
