OK, So I got my hands on a 1948 Chevy ramp truck, it's built on a motor home ch***is and has a nice Hodges ramp body on the back, 454, PS, PB, CD, AC, - I dig it.. I always wanted one - will use to haul my drag truck to the track and from time to time, haul my blown Rambler to events that have some distance to go (not because the Rambler won't drive there, but because of rain - the 850 horse vacuum cleaner sticking out of where my hood used to be hates rain). I was speaking with a hotrod buddy of mine that owns two COE trucks yesterday, and he tells me that none of the cl***ic insurance companies will cover this thing unless you swear to them that it is a streetrod and you will never haul anything with it.... That's fine, unless something actually happens when I'm hauling the Dakota or the Rambler... Anyone know the solution for this ? I hate the thought of putting this thing on regular/ripoff insurance... HELP !
My friend just went thru that with a B model Mack. He wanted to put a drop deck trailer behind it to haul large stationary engines to engine shows. It seems they have a hard time understanding he is not going to use it for commercial hauling. It has antique vehicle tags on it. I think he had to use State Farm where his driver cars are insured. I guess there has been enough fraud from things like that to make the specialty companies gun shy.
Yup. Just went thru this same thing on my '51 COE, which I built to actually use as a truck. Ended up getting regular insurance through State Farm. Since mine is over 1 ton, most insurance companies will only cover it with a commercial policy if you want to haul stuff. Very spendy. My State Farm policy is non commercial, but still not cheap. But then neither is an accident or citation.....make sure you are covered correctly by whatever you get,
Wow, bummer... I was hoping there was a better solution. For sure I need to have the proper coverage, spendy or not... I like my toys...
I just saw this on Hagerty.... Modified 1995 and older Minimum value for 1972 and older is $3,500 Minimum value for 1973-1989 is $5,000 Minimum value for 1990-1995 is $7,500 Extreme off-road modifications such as brush guards, roll bars, tool boxes and lift kits with large off-road tires will not be accepted Vehicles cannot be used for camping Vehicles should not be used regularly for towing and hauling; however, we can consider limited towing and hauling up to 20 times per year Guess I'll have to call them and see what the deal is...
Well, I spoke with Hagerty... They are willing to insure it, even with limited hauling, BUT - in Florida, it has to be in covered storage... and unfortunately, it is about 7 feet longer than my Florida garage... geez...
Add one of those carports to the end of your garage. It will be covered storage, right? You're probably screwed during a hurricane anyway unless you have a bunker to put it in....
...Like Hagerty doesn't have Satellite view... Wasn't the president offering low cost insurance for all of us? Only get fined if you didn't jump at the deal?
I see a lot of hot rod type car haulers around the PNW that have a small "not for hire" sign somewhere on the side of the cab or bed. I'd think that is the insurance company issue. A guy builds one with only the intent of hauling his show rig or race car and all the sudden he is on the road hauling a car for someone for $$.
There would be nothing left of the garage to see, however they would want photos. There was a fellow down here with a 37 Chevy PU with ramp on a late model dually ch***is, I believe he cut a few corners at registration and the truck was put off the road. Guaranteed any insurance claim would be deemed null and void given this would be a 'legitimate' non disclosure out for the insurance company.
"a small "not for hire" sign somewhere." Not for insurance. State law in Michigan. Seperates the vehicle from the over the road commercial vehicles as a privately owned unit. Different rules. My old race car hauler is an early Chevy. Ramp side, tool box etc. were built by an Ohio body company and the truck was ***led as Ohio 97 ***embled. State Farm wouldn't insure the unit until last year. Agent said the state of Mich and State Farm insurance rules have changed. Previously had to insure with the risk companies and had a h***le every three months with notices that the truck was a "non vehicle" because the VIN does not show up on the computers. Many talks to insurance reps with no clue! State Farm insures the vehicle for 1/3 of Progressive's rate and cheaper next year if low mileage per year can be proved. Plus storage insurance thru the winter is only five bucks a month.
This is why you don't see too many ramp trucks anymore, to legally insure one these days for it's intended use is quite spendy. Technically in the eyes of the insurance co's once you put a vehicle on the back of a truck, that truck magically becomes a "tow truck" which now requires the really spendy insurance should something happen.
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