Duffy 1,
To answer your question about a claim: I lost a original fan blade on my 30 Dlx Cp on a return trip to a outing, 125 miles from home. My AAA towing, on a flat bed AAA truck, covered the 1st 100 miles, the last 25 miles cost me $198.00. I had Grundy Insu., which was underwriten by Philidelphia Insurance Co.
On monday morning I telephoned and spoke to P.I.C., the lady advised my insurance would reimburse my out of pocket expense for towing. The lady then asked me what happened ? I told her when the fan blade broke it took out the radiator and damaged the passenger side of the hood; she then said my insurance would cover the damage to my A, she said she would refer the case to the adjuster and he would be calling me. A few hours later the adjuster called and advised me they would pay for a new radiator, pay the cost to repair and repaint the hood; the only thing that would not be covered was the cost of a new fan; he furthur said he would have another adjuster come to my home to review the damage, take pictures and estimate total cost of repair. Two hours later the adjuster called from Sacramento CA and advised he would arrive in Quincy, CA two days later around 10 AM.
I went ahead and removed the hood, headlight and bar, radiator shell and radiator .
The adjuster arrived at 11AM two days later, said it took him longer than he thought (1 hour off); he took pictures of the hood and radiator and made the comment " I see you do your own work, I assume when things are repaired you will do the reassembly, I said "Yes". They paid for a new Brassworks heavy duty radiator, I arranged to have the hood repaired locally. The adjuster allowed me $ for remove and replace. Approximately 8 days later I received a check from Philidelphia Insurance Co. in the amount of $2700.00.
I have 3 restored A's, I declaired the value on each A, there is no deductable, full coverage including un-insured motorist.
I renewed my policy on the 3 A's on 4/24/12 (on line) and the cost was $387.40 for 1 year.
The limit deductable is as follows:
Combined Single Limit (Per Accident) for Bodly Injury and Property Damage, $300,000
Uninsured/Underinsured Motorist Bodily Injury and Property Damage, $ 35,000
Medical Expenses (Per Person Per Accident) $ 10,000
Spare Parts (Per Vehicle) $ 500
Towing and Labor (Per Vehicle) $ 250
I would not consider changing Insurance Companys. This was my first claim and you can not ask for better service. When you make a claim this is when you find out if you have a good insurance carrier.
Ron