Insurance canceled because of roll bar
 

Attachment 39584

1977 911
State farm: ......Sorry we cannot continue this insurance..... The reason for this action is:
Vehicle condition: This vehicle is altered with ineligible modifications including a non-factory roll bar.


Back story: been a customer for 15+ years, no moving violations, zero points,
have three houses and a dozen vehicles insured with them.

My agent appealed to the underwriter but was denied. Has this happened to anyone else?

Is your roll bar removable? If so take it out and send them pictures of the car without the bar.

That sux! As far as I know, you don't even track that car, do you?

It would be a different matter if they could prove you tracked the, or even suspected you might be. But this "guilty and not even given a chance to prove yourself innocent" seems contrary to normal legal principles.

If that's not your daily driver, perhaps you can explore some of the collector car insurance companies, like Hagerty. My guess is they wouldn't be so obnoxious about add-ons appropriate to a tribute style vehicle.

It sounds to me like they StateFarm may be undergoing some financial issues, and is trying "upgrade" its portfolio of policies to obtain better ratings. Nationwide did some similar back in the '80's; after more than 10 years of accident free coverage, they suddenly decided that 2 points on my license due to a single ticket, from more than 2 years prior, was unacceptable to them. They cancelled me, not just my car. That is worse, as it makes you very unmarketable to other insurance companies. I paid a very costly State of MD coverage for about 6 months before another company would take me. I later heard from a friend in the insurance company that he was aware of Nationwide's shenanigans.

Not a great option for me, yesterday I was diagnosed with a torn meniscus in my knee. No way I can take out both seats and a roll bar in my current condition.

Hood pin: I don't track it, I just bought it a few weeks ago. I would like to get back into DE events, thats part of the reason for buying it.

installation of a factory roll bar should resolve the issue. non-factory safety devices present more potential risk because they involve more unknowns....

Bummer.. but they are just reading a sheet/checklist. May consider a Hagerty/Leland west policy? Just a thought, although they can be dicey too at times.

Good thing they weren't worried about the non factory front impact bumper being in place ;)

Your roll bar ironically makes your car potentially safer, if properly engineered, installed and used... If it were to impede you or a passengers ability to exit after a collision or risk head injury then maybe that's why they would exclude it. I would contact the Maryland insurance commissioner and file a report, or at the very least speak with them. I had State Farm years ago and had an issue with them as well, not related to your situation. A letter to the commission detailing the situation followed by a phone call to State Farm resolved the situation within days. Does your policy exclude roll bars specifically?

Rob

Sorry to hear about the knee. If pulling the roll bar would work and it is a bolt in, I am in Severna Park and could probably lend a hand if it helps.

John

I have State Farm insurance (24 years). They insured the Targa with a bar, then a cage, dual use and even told me it would be covered in the track (9-10 years ago). Now have the pure race car insured with them. When insuring as a "Historic," I made it very clear I would not expect them to insure it on track, just everywhere else including driving to the shop, on the trailer, and in my garage. The insurance on the race car is very inexpensive.

Hey John, thanks very generous.