I am replying to the letter "Insurance Dilemma" in the May '10 issue. I am an insurance agent with American Family Insurance in Colorado. I have been reading your magazine for many years and am a recent subscriber. I would like to make a few recommendations for your readers. I would always carry at least liability on any vehicle I own. You may or may not want comprehensive or collision (full coverage) on your truck/buggy, but that depends on how much you have invested in it.
The most important point I want to make is do not carry state minimums with your liability. You want as much as you can get. The best part is that liability is cheap compared to comprehensive and collision coverage! I would also have your agent rate the vehicle as a farm-use truck or a pleasure-use only vehicle; this will greatly reduce your yearly premiums. In Colorado, you could get pleasure-use-only liability insurance for as little as $30 per month, depending on discounts available.
I would be more than happy to answer any detailed questions that any of your readers may have. You have my permission to use my full name and my email for readers' reference. Great mag! Keep it up. Thanks for your time. Have a great day!
on behalf of Chris Hank
American Family Insurance
Thanks, Ryan. The question is when will the insurance companies insure the driver, not the car? I can only drive one of my 20-plus vehicles at a time, yet I need to have separate coverage on every vehicle I own to keep them registered. We wish they'd make liability insurance a requirement to get a driver's license, not a vehicle registration.
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