Any problems/issues with Grundy Insurance?

I think WI has 100/300/100. I will check. Excuse me, but what does OP stand for?

 

I just checked and it is 25/50/10. Without the PD report I have a feeling that I will get nowhere without it. It's 11 days now.

 

Original Poster

 

The 10k PD is the problem (assuming they have a valid policy) Either they cut you a check right away and everything else is your responsibility or they drag their feet and play the delay game, at which point it is also your problem. If you know someone who practices in WI you may want to reach out to them to get ahead of the game.

On your Grundy policy, check what your annual mileage allowance is and look at any documentation There may be that can prove or disprove that you adhere to that. Totally sucks and sorry you’re going thru this.

 

Not a mileage issue. The policy is for Club stuff, events and parades with limited pleasure use. I drive the roads around the town, country and the Lake for pleasure. I stopped at the store. I got back on the road and I was driving on a City(small town) road when the guy went thru the stop sign. They are claiming I use the car for errands.

 

No bubble burst. I didn’t contradict any of that and I agree with all you wrote. In short, yes, IF the other driver had full coverage (comp and collision), then that company is responsible to pay for damage (up to coverage limits of course)— any $$ beyond limits will have involve suing or attorneys and/or your insurance.


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Is Grundy still an Fchat sponsor?

 

I agree. Reality is just so few people have full or even adequate coverage. Sucks, but does keep me in business.

 

@johnk...

 

First sorry to hear of this , John. Glad no injury.

Let me say this is just an opinion from my experience. I really don't have much advise. The most you can get from the other person's insurance is what their policy limit for PD is. I'm sure you know that. I suspect you can appeal Grundy's denial. Check your policy if you already haven't. But if not successful I presume you would then have to sue the other person for the damages and other costs in excess of the PD limit. Obviously you would need to establish the value of the car (if totaled) or the cost to repair it. And, even if you got a judgement collecting may be another thing. I know this really sucks. Have you contacted the other persons insurance? They should contact either you or Grundy. You might contact a lawyer for a consultation. Maybe you could go after Grundy too (cheaper to pay the claim than defend the denial?). That shouldn't cost you anything.

 

Grundy , Has been great for me my policy GRUNDY IS THE AGENCY and my policy is through AIG , I just after 30 years with nationwide I got a non renewal on my house and went to GRUNDY who placed it that policy through Cincinnati insurance .. I have been getting almost immediate response from my GRUNDY rep..

 

If you end up having to sue someone, go after the party with the money and rediculous usage policy. Suing individuals probably won’t get you a dime…I still have open judgements from the mid 1980s. That is exactly why I avoid these specialty insurance companies.

State Farm for example has no limitations. Maybe they won’t pay as much if totaled but they won’t try to hide behind their office furniture to avoid paying you.

 

Agreed Shark. I have State Farm also and hope I never have to find out how much they’ll pay for a total loss… but I know that anything else will be covered fully, properly and quickly.


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Hopefully get an update from the OP soon. Considering just putting the Vette on my Progressive policy so I don't have to worry about what I'm doing with it. Of course, that's not agreed value though. Just for kicks, I got quotes from both Hagerty and American Collectors...both were over twice what I pay for Grundy, which just went up.

 

OP, does your policy have something like this???

Occasional pleasure use means the vehicle is:
1. Used for activities consistent with and related

to participation in vehicle exhibitions, vehicle

club activities, parades, leisure/pleasure drives, or maintenance;

a. The following uses are not considered leisure/pleasure drives:

1. (1) As your principal means of transportation;
   
2. (2) As substitute transportation for a principal means of transportation;
   
3. (3) To or from work;
   
4. (4) To or from school; or
   
5. (5) For business or commercial use.
   

1. In transit to or from, in attendance at, or located at the temporary lodging of the named insured, not to include a residence premises of the named insured, during overnight vehicle exhibitions, vehicle shows, vehicle club activities, leisure/pleasure drives, or parades; or
   
2. In transit to or from, or located at a repair/restoration facility for service or restoration related function(s).
   
3. Is used only infrequently for all other purposes.
   

Principal means of transportation means a motor vehicle which is primarily used for general transportation, including regular driving to work and/or school, errands, or shopping.

This is from my American Family policy and it implies (and when I asked) that I can make a stop on a pleasure drive to shop since the car isn't a principal means of transportation (I have other cars). My rep did tell me, don't make a claim on a rainy day that someone hit the car in the Home Depot parking lot, would be hard to justify that was a pleasure drive and not using the vehicle as "substitute transportation for a principle means of transportation"

if your policy has something like above, I would fight Grundy about the fact your Ferrari was not being used as a substitute for your "principle" transportation.

 

Your state probably has an insurance board.

Call them. Might be a waste of time. You might learn something. But the call is free.

Also... You can always just issue a complaint with the state insurance board.... Then move on to the attorney general. Just Rile them up.

.that's so ****ty they won't cover it

 

Off topic: But involved in a vehicle accident, always get the VIN # off the dashboard. Shady people have illegal registration plates and drivers licensee. The VIN proves who actually owns the vehicle. Who owns it is ultimately responsive for damages.

 

The other party not having enough coverage isn't as bad as the other party having no coverage . IMO, these "low-cost" policies are really "fine-print" traps appropriate only for storage and car shows, and you've got to have uninsured motorist coverage where I live...

 

Any updates?

 

Also curious about an update here. I have Grundy on one of my cars and really dislike it is only for pleasure drives and cannot go to a store. I’m hoping he can just appeal and Grundy will cover as how can they prove you weren’t out for a drive?

I’ll be switching in the spring. Too much headache and I drive my cars frequently.

 

I tried Grundy several times and ultimately refused to do business with them. They had some out there stips which led me to believe and I got the feeling they would try and weasel out of anything/everything just like with the OP. Been with State Farm and they have an office 5 miles from my house. Owner/operator is a car buff/collector and always makes time for me. I couldn't be happier.

 

Well that makes no sense....you can drive for "maintenance" but you can't drive it "in transit to or from, or located at a repair/restoration facility for service"

 

Like all insurance policies they are trying to be very explicit about how they define terms such as leisure/pleasure drive and explicitly call out that "maintenance" is part of the definition of "occasional use" as is "leisure/pleasure drives", which is then defined afterwards.

 

I have had Grundy on my Ferrari and a past VW bus, which I used near daily. I just figured every drive is a ‘test drive’ for some obscure repair or tune up. I share everyone’s concern too about Grundy and my 456GT