Insurance Question

[MFE 3]

I bought a 4 seater sand rail that I am converting to a dual purpose on/off road buggy. I have a title and it is plated, but I am having trouble getting it insured. so far the two insurance companies I use for my cars have declined stating they don't cover anything used off-road. I'm less concerned about collision coverage, especially when off road, but I am concerned about theft insurance.
Any ideas?
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Matt
I drive a hybrid . . . burns both rubber and gas

[cbeck]

My 2014 spec dune has a agreed value policy thru progressive. I did not menion off road, but I am sure the policy has the racing/displays of speed mumbo jumbo. I offered pics, but they declined.
Geico once gave me liability only, but when I went to put it on the road again after it was hit, they would not touch it.
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My cut in half and rebuild thread
www.thesamba.com/vw/forum/viewtopic.php?t=647779

[Krochus]

[KelleyZ]

I use progressive. Once I got my state assigned VIN's (for becoming street legal) I called up Progressive. They insured me no problem. All they wanted was me to send them a copy of my registration once it became street legal which I emailed to them. Covered with state required minimum coverages.

[MFE 3]

Thanks for the responses. I will try Progressive. I might still have a problem as the title shows it as an All Terrain Vehicle.
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Matt
I drive a hybrid . . . burns both rubber and gas

[Mutterranch]

I use State Farm. If it’s street legal, no problem.

[cbeck]

If your title reads all terrain vehicle, you might be hosed.
_________________
My cut in half and rebuild thread
www.thesamba.com/vw/forum/viewtopic.php?t=647779

[dustymojave]

Especially in Commiefornia. Both DMV-wise and insurance-wise.
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Richard
Offroading VW based cars since 1965
Tech Inspection 1963 - 2012 SCCA/SCORE/HDRA/MORE/MDR +
Retired from building Bajas, Fiberglass Buggies and Rails in the Mojave Desert. Also Sprints & Midgets, Dry Lakes, Road Race cars. All types New and Vintage
SoCalBajas Member
Kicked Cancer's A$$...1st and 2nd round...Fight ain't over yet.

[Fenix]

[MFE 3]

[dustymojave]

It's not the open frame issue in California. And even if it were, fiberglass or sheet aluminum or steel body panels would fix that.

Windshield, fenders, wipers, turn indicators, the vintage of the engine (for smog considerations), bumpers, seat belts (DOT approved), DOT approved road headlights, parking brake, tail lights and reflectors are issues. 4-wheel brakes are required. Many of those are commonly covered in a rail buggy being considered for street use. The others are not big problems. The government employees and the general mindset of the government employees in California are the BIG issues. There is a set number of "Special Construction" licenses available in California each year. But as most DMV employees and others such as Highway Patrol officers who get involved have NO CLUE about the regulations that apply and tend to get their personal thoughts on the subject into the middle of the process.

I've seen a few street registered rails in California over the last few decades. My original plan for my Hi Jumper was to street register it. I got diverted into making it a race car by some pals. I REALLY WISH that I had registered it for the street at the time even though it was built to race. It would have been vastly easier.
_________________
Richard
Offroading VW based cars since 1965
Tech Inspection 1963 - 2012 SCCA/SCORE/HDRA/MORE/MDR +
Retired from building Bajas, Fiberglass Buggies and Rails in the Mojave Desert. Also Sprints & Midgets, Dry Lakes, Road Race cars. All types New and Vintage
SoCalBajas Member
Kicked Cancer's A$$...1st and 2nd round...Fight ain't over yet.