[Chrysler300] RE: Collector Car Insurance

["jennifer allyn" <gearhead.girl@xxxxxxxxxxx>]

If IL doesn't have a non-op registration and you are required to show proof
of insurance for vehicles then there must be some mechanism for
non-operational vehicles.  I don't know what it is.  If it is going to your
garage and showing the vehicle like Tim mentioned the Germans did.then speak
to the State about that process.   What you have to do to prove that you are
not operating the vehicle.is up to the State and the people who live there.
I did read the entire email carefully, and I understand clearly.  Condon &
Skelly are doing what nearly every insurer does.  If you are uncomfortable
in providing that information, find an insurer that doesn't require proof of
registration.  Nobody is forcing anyone to insure with them.   

 

What I don't understand is what is so disturbing about providing a copy of
title to insurers or proof of insurance to the state.  The insurance company
is providing coverage on the vehicle.  Title or registration is proof of
ownership.  If you are not the owner of the vehicle, you do not have
"insurable interest" which is required by law to receive a claim payment in
the event of a claim.  The information on the title and/or registration is
all the same information one must provide to obtain insurance.    So the
insurance company already knows that you are the owner and all the
information provided on title.   So what is the problem?  If you are
concerned about security at the insurance carriers, about employees getting
this data and using it.for what purpose I do not know.  Every insurance
office I ever worked at guarded their information zealously.  Mainly they
were afraid of competitors getting hold of information to solicit their
clients at renewal time.  

 

On the other side, the State of IL has a law requiring all vehicles show
proof of insurance.   Your insurer is going to provide them exactly what
they are required to by law.  There is usually a standardized form.   The
insurance company is doing what law makers have now required.   The State
already has your information.  All they are getting that is new is your
carrier name, policy number and effective dates.   The State is trying to
ensure that liability coverage is there for so that uninsured drivers don't
cost the tax payers money in the form of unpaid medical bills from accidents
with uninsured motorists.   If you are truly the owner of the vehicles and
you have non-op cars that are truly non-operational.I don't understand what
is troubling.

Jennifer

 

-----Original Message-----
From: Michael Reed [mailto:mrreed@xxxxxxxxxxxxxx] 
Sent: Tuesday, February 08, 2005 11:07 AM
To: gearhead.girl@xxxxxxxxxxx
Subject: Re: Collector Car Insurance

 

Michigan requires proof of insurance every year also. No tags w/o it. I also
believe that to sell auto insurance in MI, insurer's are required to notify
the State if the insured cancels his insurance, or doesn't renew it within
the licensing year. In Michigan we do not have any form of "no-op"
certificate, etc. Here there are three documents relating to auto: for
licensed vehicles there is the title, registration, and proof-of-insurance;
for unlicensed auto there is the title. Illinois is the same, in that there
is no document specifically for "no-op" vehicles.

 

I still think that Condon & Skelly are out of order on this matter. Could I
respectfully suggest you re-read Tim's entire message, including the
ancillary part, keeping in mind that IL does not have a "no-op" provision in
their State law.

 

Mike

 

P.S. Maybe this is one of the areas where you're fortunate to live in CA.
I'm referring to your comment, "I understand the process and I will tell you
that big brother could really care less.  The people pushing paper a behest
of State legislators just want to get their paper pushed with a ,minimum of
fuss and bother.  That is the reality." It sure ain't that way in
MI!!!!!!!!!! You wouldn't believe three incidents with the Secretary of
State in the past two years I've been through because they didn't want to
get the paper pushed with a minimum of fuss and bother -- from the clerk to
the branch manager!

 

And that seems to be the prevailing environment in many of MI's state
agencies -- I'm speaking as a recently retired State employee...

----- Original Message ----- 

From: jennifer <mailto:gearhead.girl@xxxxxxxxxxx>  allyn 

To: 'Michael Reed' <mailto:mrreed@xxxxxxxxxxxxxx>  ;
Chrysler300@xxxxxxxxxxxxxxx 

Sent: Tuesday, February 08, 2005 13:42

Subject: RE: Collector Car Insurance

 

They do not know that your vehicles are non-op or not.  It is a form letter.
They just want to do want they are now required by law.  The state could
care less and do not require proof of insurance on non-op vehicles. Condon
and Shelly don't know that it is no-op unless you show them your non-op
registration.  So their assumption is that they have to provide proof unless
told otherwise.  By providing your no-op cert. you are proving to them that
they don't need to provide proof to the State.  I have both non-op and
operational vehicles.  I am in a state that requires proof of insurance
every year.  I understand the process and I will tell you that big brother
could really care less.  The people pushing paper a behest of State
legislators just want to get their paper pushed with a minimum of fuss and
bother.  That is the reality.  

As for the wrong VINs, I was speaking of the insurance company records not
the State.  The insurance companies do have errors in THEIR records.  If
their insurance proof is incorrect, then the State will reject it.  And you
as the owner will have to contact your carrier to correct it and then take a
trip to the DMV.  
Jennifer Allyn

-----Original Message-----
From: Michael Reed [mailto:mrreed@xxxxxxxxxxxxxx] 
Sent: Tuesday, February 08, 2005 10:30 AM
To: gearhead.girl@xxxxxxxxxxx
Subject: Re: Collector Car Insurance


According to Tim's posting, Condon & Skelly wasn't demanding the 
registration so that they could be pro-active and head off erroneous 
VIN's at registration/relicensing time (note that they're requiring 
proof of VINs for unlicensed autos as well), but as they said, 
to "appraise the state of my insured status."

I doesn't appear to me that C & S's demands have anything to do w/ 
being proactive on the insured's behalf. And it is none of the 
State's business if I am insuring an unlicensed and undriven 
automobile.

Mike

The only instance of an incorrect VIN I've encountered in 50+ years 
was the State of Michigan's error, which resulted in the auto 
becoming "lost" in their computer system for some time...

--- In Chrysler300@xxxxxxxxxxxxxxx, "jennifer allyn" 
<gearhead.girl@xxxx> wrote:
> I was an insurance broker in California for many years.  We have 
had a
> mandatory insurance law for quite awhile.  You should have no 
operational
> vehicles insured for comp. only, no liability & no collision as 
there is no
> risk of collision or liability.  You do want comprehensive 
coverage for fire
> and theft.  Those are risks you run in owning any vehicle 
including one that
> does not go down the road.  You do not need to present your 
registration for
> vehicles that are not insured for liability and collision.  
> 
> Your registration could be held up if they DO NOT contact the 
state in a
> timely manner.  It is a service that they are providing for you.  
They are
> being pro-active and that saves you headache and it saves then 
headache to
> do it at renewal.  They just kick out of their computer insurance 
cards that
> go to the state and into your glove box at renewal.  The reason 
they want a
> copy of your registration is to ensure that the VIN is correct.  
It is quite
> easy to get a VIN wrong on an insurance card and then the state 
rejects it.
> 
> 
> You are not giving either any information that they don't already 
have.
> Both have your car's VIN and description, and your name and 
address on file.
> Jennifer Allyn
> 
> 
> -----Original Message-----
> From: Tim Tomlinson [mailto:tomlin@xxxx] 
> Sent: Monday, February 07, 2005 6:23 PM
> To: Chrysler 300 club
> Subject: [Chrysler300] Collector Car Insurance
> 
> 
> Group,
> 1.  I don't wish to restart the lengthy discussion we had on 
collector car
> insurance from months ago.  I have a different tack to take on the 
subject.
> 2.  I have had Condon and Skelly for quite a few years.  This year 
as a
> condition of renewal, they are requiring that I provide a copy of 
the
> registration of each insured vehicle so they can contact my state, 
Illinois,
> in a timely manner to appraise the state of my insured status.  
Should I
> have insured vehicles that are not licensed for use on the road, I 
am to
> provide a copy of the Title for the same purpose.
> 3.  Now, Illinois, being fed up with all the uninsured drivers 
despite law
> requiring liability insurance, has a new law effective 1 Jan 05 
that you
> must present proof of insurance when you register or renew 
registration.  
> 4.  Is Condon and Skelly being overly cautious?  Is there a danger 
in having
> this information "out there" and likely in an automated database?  
I do know
> that when I was stationed in Germany in the latter 70's the 
Secretary of
> State's office sent someone to verify that my previously licensed 
auto,
> which was not renewed and the plates were off, battery pulled, 
etc., was
> indeed "non-operational" since I didn't have a record with them of 
liability
> insurance.  Dad had to take them to the storage facility and 
unlock it to
> show them the car--which was inspected at length.
> 5.  I get goosey when folks start asking for information, which 
includes
> personal details, and will likely store such on automated data 
bases with so
> so security.  Does anyone know if this is the demands of the 
industry now???
> Thanks,
> Tim Tomlinson
> 2 X 300-K's
> 1 68 New Yorker
> 
> 
> [Non-text portions of this message have been removed]
> 
> 
> 
> 
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> 
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