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Old 08-11-2022, 01:24 PM   #15
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Quote:
Originally Posted by raineeo View Post
The carrier is Auto-Owners. The words betterment or catalytic converter(emissions) are nowhere found in my policy. In regards to theft, it states:
b. Theft Coverage
We will pay for direct physical loss of or direct
physical damage to your automobile
and its equipment caused by theft, larceny,
robbery or pilferage.
There are no exclusions in the policy regarding equipment loss due to theft. I feel confident in the fact that there is no language in the policy documents that they could possibly refer to in order to support their decision.

I appreciate all of your help and guidance regarding this issue. I will post an update once I speak with them after telling them that I was not ok with their initial decision and that I needed justification based on the contents of my policy.
There is not a policy written in the US that does not include betterment and depreciation. The ISO is a nationwide insurance PAP that every company uses in some form or another. The only way it can not have that in the policy is to have an amendment. Typically this is what you hear about "Replacement Car Coverage" When they will pay for a brand new car within the first few years.
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Old 08-11-2022, 03:34 PM   #16
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Where in the policy would I find betterment/depreciation regarding Comprehensive/Theft? I have gone line by line under the Comprehension section of the policy and I can't find anything. Also, can you post a link to this 2018 National Policy (ISO)? Thanks for your guidance.
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Old 08-11-2022, 03:58 PM   #17
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Originally Posted by raineeo View Post
Where in the policy would I find betterment/depreciation regarding Comprehensive/Theft? I have gone line by line under the Comprehension section of the policy and I can't find anything. Also, can you post a link to this 2018 National Policy (ISO)? Thanks for your guidance.
Let your underwriter know you'll be contacting your state insurance commissioner or atty-general.
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Old 08-11-2022, 06:37 PM   #18
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Auto-Owners sells exclusively through independent agents. Whoever sold you that policy is collecting the commissions and they are the ones that should be advocating on your behalf. Have you contacted them about this?

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Old 08-12-2022, 06:37 AM   #19
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Yes I have contacted the agent. They originally opened the claim and are looking into the issue as well. I have informed them that I intend to send them a letter of intent to sue. I have also asked that they provide me the clause in the policy that lead them to the decision. The interesting thing was that they had stated it was a 75% betterment and would only cover 25% of the repair. Yesterday they contacted me again after I called them to dispute their original offer and they have offered to change the betterment to 40% leaving me to cover 60% of the repair.
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Old 08-12-2022, 06:43 AM   #20
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Yes I have contacted the agent. They originally opened the claim and are looking into the issue as well. I have informed them that I intend to send them a letter of intent to sue. I have also asked that they provide me the clause in the policy that lead them to the decision. The interesting thing was that they had stated it was a 75% betterment and would only cover 25% of the repair. Yesterday they contacted me again after I called them to dispute their original offer and they have offered to change the betterment to 40% leaving me to cover 60% of the repair.
The longer this goes on the more bad press your carrier is receiving.
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Old 08-12-2022, 12:41 PM   #21
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Well, if this is what Auto Owners is up to, I may have to switch. I had a horrible claims experience with "Regressive" Insurance which caused me to drop them and don't need to deal with that kind of claims processing fighting again.
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Old 08-13-2022, 05:34 PM   #22
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A dozen years ago, after a major front end accident, my insurer insisted that the windshield wiper motor was a wear & tear item and its "service life" was only 10 years. Duh! Who ever heard of wiper motors routinely wearing out in 10 years? But they were adamant in allowing only 40% of the cost of a new motor because it was 6 yo at the time. That amounted to about $125 out of a $45k repair job, so I gave up fighting them on it.


The insurer was National Interstate and overall they did ok on my claim. They don't write RV insurance anymore, though.
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Old 08-14-2022, 03:06 PM   #23
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I’d remind the company that at the time of the loss you PAID 100% of your premium.

If that goes nowhere then……..
Look at summitracing.com for a universal style converter to keep legal .
Highest price for a magnaflow unit is $100.35.
Part number (MPE-59959)
EDIT JUST NOTICED this price is from a 5 year old catalog.
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Old 08-14-2022, 03:53 PM   #24
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...they will only cover 25% of the repair because of the age of the motorhome.
How did they determined the 25%? Does your policy have a 75% coinsurance clause or was the amount based on the depreciation of the vehicle?
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Old 08-14-2022, 04:15 PM   #25
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Where in the policy would I find betterment/depreciation regarding Comprehensive/Theft? I have gone line by line under the Comprehension section of the policy and I can't find anything. Also, can you post a link to this 2018 National Policy (ISO)? Thanks for your guidance.
the 2018 ISO PAP is over 800 pages long and each company pulls from it fior specific vehicles AND a camper or Motor Home is considered under the "other vehicles" category.

Here is a link that may answer your questions. And as I said previously, ask the adjuster to explain how your car will be more valuable with a new catalytic converter on it. Then ask him when was the last time he put one on his own car, like he does tires or batteries.

https://www.economical.com/en/blog/e...erment-charges

Those can be considered for wear and tear, but I can't imagine doing that in your case. Before you jump to the insurance commissioner or a lawyer, try and get to his supervisor or his supervisor's supervisor. They typically have more experience and are better trained than the adjuster on the street.

I always love it when a customer says "I'm calling a lawyer". My response is to have him call me because now that you have invoked that part of your policy I can no longer deal with you directly. Same with the insurance commissioner. Usually, management is the best way to resolve. They don't want complaints about their department.
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Old 08-14-2022, 04:42 PM   #26
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Catalytic converter

I had my catalytic converter stolen and it cost 1700 bucks to replace it. I had a 500 dollar deductible. The insurance company charged me 800 dollars and told me because of the year of my rv that there was deprecation of the converter. I read my whole contract and it didn’t say anything in writing about that. I finally told them that I was taking this to small claims court, well they gave me back the extra 300 dollars.
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Old 08-14-2022, 05:04 PM   #27
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Cats

Another thought... If you are in NY or CA or any state that follows California CARB rules, you CANNOT replace that Cat with an original, it must be a new CARB rated CAT. No parts store or shop can legally sell it, the fines are enormous to them. Fyi if your in a CARB state.

A CARB cat is much more expensive (usually at least double) a normal FED regulated Cat.

Your insurance company, adjuster and agent are playing with EPA regs and that's a slippery slope for them. EPA like 6 and 7 digit fines.
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Old 08-14-2022, 06:31 PM   #28
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ya can’t drive aa car without a door, so they can give ya a used or new door, but they gotta give ya one.

Ya can’t drive a car without a CAT……….
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