hearserentals.com (a new site I made this morning)

[Scary Guy]

The extra insurance is to cover the added liability of passengers and the increased amount of time the vehicle spends on the road. Their way of thinking is the extra time on the road increases the odds of having an accident. It also covers your butt in case of lawsuit. If the driver has an at fault accident and you get sued (very likely as everybody wants that big payout) then you are covered. Otherwise it could be a personal nightmare.

Yeah, I'm just saying I don't like insurance to begin with.

[Shelby]

Trust me I understand that. Every dime I've ever spent on insurance has been wasted. I have never had to make a claim.

[chestypuller]

insurance seems like a big scam! if it wasent required i bet it wouldnt cost so much. i have yet to insure my hearse. its not on the road tho.

[Scary Guy]

Well like many things it's government mandated but not government regulated. They basically get to charge whatever they want and competition sets the price.

Like most people I just have it so I don't get in trouble for not having it. I also have the bare minimum that the law allows.

[sgath92]

Well like many things it's government mandated but not government regulated. They basically get to charge whatever they want and competition sets the price.

Like most people I just have it so I don't get in trouble for not having it. I also have the bare minimum that the law allows.

Its heavily regulated, in how it acts. Not in how its priced. When my last car was destroyed out of state, the other driver's insurance company couldn't pay me until I got home b/c the state where I live has some regulation where only someone licensed as an adjuster from my resident state could cut the check. This was interesting because they were never able to see the car in person, since it was 5 hours away. I guess I could have sat around out of state until the state-licensed adjuster mailed me the check, but it was [much] faster to use my savings to buy a car myself & drive home & pickup the check in person.

I once lived in a state where insurance was not required by law. Insurance was cheaper, but on the flip side I was always scared that some idiot would rear end me and not have insurance to cover my car.

My flatmates' race hauler has commercial insurance because the insurance companies can tell by the vin that its a commercial chassis and refuse to write a normal policy for it. Its not that expensive, but its a PITA to get and required all kinds of background & credit checks and Progressive was the only company that was willing to insure it cheaply. There were a couple of other companies that would insure it, but for like 4x the cost. Almost would have made more sense to get a normal crew-cab pickup w/ a normal vin & bolt the coachbuilt rear-half of the body to it [it does just unbolt].

[Scary Guy]

Yeah commercial insurance sucks as there is no such thing as "cheap". It also sucks that they require you to have it even on a privately owned vehicle.

Anyway I've had a wopping TWO members private message me info and the site isn't even up yet! That's pretty exciting for this crowd.

I need to rework my automated contact script to just email me the info on the site.

This is all quite exciting.