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105657 Posts in 12337 Topics by 4753 Members
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226  Site Comments / Discussion / Site Comments/Discussion / Re: Unable to open attached photos on: March 20, 2007, 03:57:46 PM
Why do some pics show up and others you have to click on the attachment? When I click on the attachment pics I get and invalid path error. I can never get any of my pics that I post to show up. HELP!!!!!!
227  Camaro Research Group Discussion / General Discussion / Re: Vinyl or Not? on: March 20, 2007, 02:18:27 PM
Overall it is in pretty good shape. It show signs of it's age. A little dryed out. Has one small tear near bottom by rear window. Overall it is to nice to replace since car is a survivor. I can't post a pic. Mine are to large. I've only owned the car a little over a year so not sure how it was taken care of.
228  Camaro Research Group Discussion / General Discussion / Re: Vinyl or Not? on: March 20, 2007, 09:34:56 AM
If it came with one originally I would definitely put one back on when restoring. My original car shows no signs of rust and has original vinyl.
229  Camaro Research Group Discussion / General Discussion / Re: Car Insurance on: March 19, 2007, 03:41:29 PM
When I copied and pasted my policy it did not all show up. Here is the complete policy. This should clear things up better for all of you.

6171AK.1 ANTIQUE OR CLASSIC MOTOR VEHICLE

This endorsement is part of your policy.  Except for the changes it makes, all other terms of the policy remain the same and apply to this endorsement.  It is effective at the same time as your policy unless a different effective date is specified by us in writing.

In consideration of the premium charged for your policy, it is agreed that:

1.   COVERAGE UNDER SECTION I - LIABILITY – COVERAGE A AND SECTION II – MEDICAL PAYMENTS – COVERAGE C APPLIES ONLY WHEN YOUR CAR IS USED IN EXHIBITIONS, CLUB ACTIVITIES, PARADES OR OTHER FUNCTIONS OF PUBLIC INTEREST AND OCCASIONALLY FOR PLEASURE AND BUSINESS.


2.   SECTION IV – PHYSICAL DAMAGE COVERAGES

a. Limit of Liability – Comprehensive and Collision Coverages

    This provision is changed to read:

          The limit of our liability for loss to property or any part of it is the
                            lower of:

1.   the actual cash value; or

2.   the cost of repair or replacement.  The cost of repair or replacement does not include any reduction in the value of the property after it has been repaired, as compared to its value before it was damaged. 


                          You and we agree that the actual cash value of your car is the             
                          vehicle value shown on the declarations page unless:

1.   your car has been damaged;

2.   parts have been removed from your car; or


3.   your car’s condition has changed due to abuse or neglect

after the vehicle value shown on the declarations page was agreed to and prior to the loss.






                            If any of these events have occurred, the agreed upon actual cash
                            value is the vehicle value shown on the declarations page reduced
                             by the decrease in the value of your car due to such damage, the
                              removal of parts and damage caused by the abuse or neglect.

                              Any deductible amount that applies is then subtracted.

            The cost of repair or replacement is based upon one of the following:

1.   The cost of repair or replacement agreed upon by you and
       us;

2.   a competitive bid approved by us; or

3.    an estimate written based upon the prevailing competitive price,  The prevailing competitive price means prices charged by a majority of the repair market in the area where the car is to be repaired as determined by a survey made by us.  If you ask, we will identify some facilities that will perform the repairs at the prevailing competitive price.  We will include in the estimate parts sufficient to restore the vehicle to the pre-loss condition.  Such parts may include either parts furnished by the vehicle’s manufacturer or parts from other sources including non-original equipment manufacturers.

Any deductible amount that applies is then subtracted.

                b.  Settlement of Loss – Comprehensive and  Collision Coverages
                     
                      This provision is changed to read:

                               We have the right to settle a loss with you or the owner of the
                                property in one of the following ways:
           
1.   pay the agreed upon actual cash value of the property as
determined above in exchange for the damaged property.
If the owner keeps the damaged property, we will deduct its value after the loss from our payment.  The damaged property cannot be abandoned to us;








2.   pay  to:
a.   repair the damaged property or part, or

b.   replace the property or part.

If the repair or replacement results in betterment, you must pay for the amount of betterment; or

3.   return the stolen property and pay for any damage due to                     
theft.

                                The Settlement of Loss provision for comprehensive and
                                collision coverage incorporates the Limit of Liability provision of 
                                those coverages.
       
                                 If we can pay the loss under either comprehensive or collision,
                                 we will pay under the coverage where you collect the most.

                                 When there is a loss to your car, clothes and luggage in the same
                                  occurrence, any deductible will be applied first to the loss to
                                   your car.  You pay only one deductible.


c.   The following is added:

Coverage for Spare Parts

We will pay up to $500 during the policy period for direct and accidental loss of or damage to spare parts which are owned by you and in your possession. Spare Parts means equipment designed to be used with vehicles of the same make and model as your car.
230  Camaro Research Group Discussion / General Discussion / Re: Car Insurance on: March 18, 2007, 03:25:13 PM
Jody.....If you read my policy there is no doubt that it is agreed as long as the condition of your car hasn't changed after you put a value on it. The actual cash value of the car is the amount you insure your car for. I had my attorney check out the policy and he sees no problem with the language at all so I am very comfortable with it.
231  Camaro Research Group Discussion / General Discussion / Re: Car Insurance on: March 17, 2007, 02:41:33 PM
Here is the State Farm Policy. It is agreed value:

6171AK.1 ANTIQUE OR CLASSIC MOTOR VEHICLE

This endorsement is part of your policy.  Except for the changes it makes, all other terms of the policy remain the same and apply to this endorsement.  It is effective at the same time as your policy unless a different effective date is specified by us in writing.

In consideration of the premium charged for your policy, it is agreed that:

1.   COVERAGE UNDER SECTION I - LIABILITY – COVERAGE A AND SECTION II – MEDICAL PAYMENTS – COVERAGE C APPLIES ONLY WHEN YOUR CAR IS USED IN EXHIBITIONS, CLUB ACTIVITIES, PARADES OR OTHER FUNCTIONS OF PUBLIC INTEREST AND OCCASIONALLY FOR PLEASURE AND BUSINESS.


2.   SECTION IV – PHYSICAL DAMAGE COVERAGES

a. Limit of Liability – Comprehensive and Collision Coverages

    This provision is changed to read:

          The limit of our liability for loss to property or any part of it is the
                            lower of:

1.   the actual cash value; or

2.   the cost of repair or replacement.  The cost of repair or replacement does not include any reduction in the value of the property after it has been repaired, as compared to its value before it was damaged. 


                          You and we agree that the actual cash value of your car is the             
                          vehicle value shown on the declarations page unless:

1.   your car has been damaged;

2.   parts have been removed from your car; or


3.   your car’s condition has changed due to abuse or neglect

after the vehicle value shown on the declarations page was agreed to and prior to the loss.






                            If any of these events have occurred, the agreed upon actual cash
                            value is the vehicle value shown on the declarations page reduced
                             by the decrease in the value of your car due to such damage, the
                              removal of parts and damage caused by the abuse or neglect.

                              Any deductible amount that applies is then subtracted.

            The cost of repair or replacement is based upon one of the following:

1.   The cost of repair or replacement agreed upon by you and
       us;

2.   a competitive bid approved by us; or

3.    an estimate written based upon the prevailing competitive price,  The prevailing competitive price means prices charged by a majority of the repair market in the area where the car is to be repaired as determined by a survey made by us.  If you ask, we will identify some facilities that will perform the repairs at the prevailing competitive price.  We will include in the estimate parts sufficient to restore the vehicle to the pre-loss condition.  Such parts may include either parts furnished by the vehicle’s manufacturer or parts from other sources including non-original equipment manufacturers.

Any deductible amount that applies is then subtracted.

                b.  Settlement of Loss – Comprehensive and  Collision Coverages
                     
                      This provision is changed to read:

                               We have the right to settle a loss with you or the owner of the
                                property in one of the following ways:
           
1.   pay the agreed upon actual cash value of the property as
determined above in exchange for the damaged property.
If the owner keeps the damaged property, we will deduct its value after the loss from our payment.  The damaged property cannot be abandoned to us;
232  Camaro Research Group Discussion / Decoding/Numbers / Re: Wheel decoding? on: March 15, 2007, 11:30:34 AM
My pictures are to large and won't let me post one. If someone know how to post let me know.
233  Camaro Research Group Discussion / Decoding/Numbers / Re: Wheel decoding? on: March 15, 2007, 06:51:39 AM
Those are wheels from 1989. GM was still selling YJ coded wheels into the reall early 90's. I know, I bought a set in 89.

that would be K 1 89  for 1989.

Jonesy....I thought that was the way they might decode. I know a previous owner of the car added the rally wheels at about that time. Car originally came with XT wheels. I still have original spare. I will post pics later so everyone can see.
234  Camaro Research Group Discussion / Decoding/Numbers / Re: Wheel decoding? on: March 14, 2007, 08:18:57 PM
Jerry.......... I was thnking the 18 was the day of the month and the 5 was the month. Wasn't sure what the 8 and 9 meant. I knew one of them was the year.
235  Camaro Research Group Discussion / Decoding/Numbers / Wheel decoding? on: March 14, 2007, 12:09:33 PM
My YJ wheels seem to have an extra number. By the valve stem they are as follows. K189  5 ( valve stem ) 18 YJ. Seems to be and extra number from other wheels I've seen. How do these decode?
236  Camaro Research Group Discussion / General Discussion / Re: Car Insurance on: March 14, 2007, 12:01:46 PM
By the way guys I understand your concern and it is appreciated. I just want people to understand my point also.....thanks
237  Camaro Research Group Discussion / General Discussion / Re: Car Insurance on: March 14, 2007, 12:00:11 PM
OK...I finally got the scoop from my agent. Here is where everyone is getting confused. He said that when they write the collector insurance it is with a standard policy, then(heres the important part) they issue an endorsement,6171AK.1, which supercedes the standard policy. That is where you get the agreed value. Basically he said it states that as long as the car is not altered from original condition it was in when insured ( like missing parts, let it rust and so on) you get the agreed value of your policy. He spoke with the adjusters on this also and they confirmed. He has a copy of it for me so as soon as I get it I will post it. I think this is why everyone is confused. They are not reading the endorsement 6171AK.1.  Maybe some agents are not aware of this supplement and that is where we see the problems.
238  Camaro Research Group Discussion / General Discussion / Re: Car Insurance on: March 14, 2007, 08:50:10 AM
I spoke to my SF agent again. He said the only time I do not get my agreed value is when the car can be repaired for less than my agreed value. If car is stolen or total loss I will get the agreed value. He is getting me a copy of policy and as soon as I pick up up I will scan it and post it.
239  Camaro Research Group Discussion / General Discussion / Re: Car Insurance on: March 13, 2007, 08:31:18 PM
My policy from State Farm has no depreciation....I don't know what SF did to tick you guys off but I'm telling you like it is. The agreed value is right on the policy. My agent also told me to update the value as the market changes. There is nothing in my policy about Actual Cash Value. Maybe you guys just don't have an agent that knows what he's doing. Mine is a true agreed value policy.....end of story!
240  Camaro Research Group Discussion / Decoding/Numbers / Tire decoding? on: March 13, 2007, 03:19:19 PM
Can someone decode these tires. They are Goodyear polyglas. CYLD85KL0706
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