Volks -

One thing to check on is having your Westfalia insured as an RV.  I saved
quite a bit of money when I switched.  Apparently the logic is that RVs are
mainly driven on vacations, not in the day-to-day battle of city driving
where most accidents happen.  If they ask about a toilet, remember your
porta-potti!

On another point, if you do drop collision, and get uninsured motorist
coverage, check to see if it would pay for damage to your vehicle.  My agent
says that it will only cover to the extent my coverage would if I were the
one at fault.  In other words, if I don't have collision, it won't repair my
car.

Seems wrong to me, but that's what he said!  I checked after some friends
had their car totaled by an uninsured judgement-proof driver (no assets).
They didn't have collision, so their uninsured motorist coverage didn't
help.

- Mike Finkbiner
'87 Westy
Moscow, Idaho

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
Date:    Tue, 23 Oct 2001 15:56:12 -0300
From:    Malcolm Stebbins <MSTEBBIN@MSVU1.MSVU.CA>
Subject: Re: insurance coverage?

I hate to admit it but I have liability insurance only on my
91 syncro westy for most of the year. I do "up it" to
comprehensive when I take long trips (I know that most
accidents happen within 10 miles (?) of home, but I rarely
drive the van when NOT on vacations).

Also FWIW, many insurance companies offer 1 "free"
claim every x # of years.  You might want to check that
out.

On 23 Oct 2001, at 12:36, Fred Brittain wrote:

 > Hi Volks,
 >
 > I've been looking at my auto insurance premiums and want to
 > cut cost. I have full coverage on my '89 Westy from Liberty
 > Mutual. Rate is $448/year in a package that includes
 > multiple vehicles and home owners.
 >
 > I'm thinking about down grading to liability with
 > un/underinsured driver protection.
<SNIP>

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