My 91 GMC of 13 years Stolen from front of house Atlanta GA

leadfoot

leadfoot

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Emmo said:
Yep, and Ive got nosey neighbors…but being gone on vacation for 6 days no one could remember even what specific day it disappeared. They all know sound of truck when it cranks as exhaust is free flow without mufflers and only dampened by catalytic converter.

So far my lessons learned have been, get a camera facing driveway that goes to a hard drive , get Hagerty's insurance or something for classics, and finally don't slouch on where you park your truck so they can't snatch with tow vehicle if you're going to leave for a period of time, aggravating this is...
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I'd be suspicious of any super quiet tow vehicle in your area. Chances are it was a 'hook and book' like repo guys do.

PS your neighbors suck...:p
 
dgoodhue

dgoodhue

BuSTeD 4.3
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Wtf $1648! Did they miss a zero? They are going for more than that on copart.

What are they using for comparables? I would ask for an independent appraisal. Clearly the Mitchell is wrong.
 
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grnty3377

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Unfortunately I've seen this happen way too many times. One of my clients is an insurance Subrogation firm and you should hear the horror stories. There are a hanfdul of cars and trucks out there that are complete nightmares to deal with unless you have specific detailed coverage in place. After I got tboned about 10 years ago in a 93 Ty and fought with the insurance company for 5 months, i pulled all of my unique cars and trucks off basic policies and put specialized coverages in place. Sure you have to pay for the inspection on each car or truck but they cover everything and you can literally specify the amount to build labor into the over all coverage umbrella. You run the risk of losing the coverage the first time you burn a claim and that's why if it's not your fault and under a few thousand in damage I usually come out of pocket and fix it myself. i think you have to keep fighting this and keep escalating, the one problem that your going to run into is that if you don't have any sort of independent appraisal done. That's the one thing that I usually get done after any work 10k or above on any car that I've ever done work too. The insurance co that I use now outside of my basic policies requires this. This is also the main reason on why I usually never pay cash for parts and always PayPal because there is verifiable proof. I would keep fighting this not only because your basically getting nothing at this point, but also in hope that your best case is they find your Syclone even if it's in pieces. at that point you could possibly open a "diminished value" claim against State Farm. I know in policies being issued in the last 6 or 7 years they have specifically put a disclaimer as such. But the problem is you need to at least find the truck, even if it's in pieces. Best of luck to you and keep hammering away at them to give yourself some time.
 
cloneman315

cloneman315

Active member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

My advice moving forward for anyone. Get a company like Grundy or Hagerty and pay for agreed value. I think I pay around 600.00 per year and it covers 25 or 30k. Running specialty or high end cars through every day insurance carries is a bad idea... Just fight them as long as you can and hope for the best.
 
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grnty3377

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

cloneman315 said:
My advice moving forward for anyone. Get a company like Grundy or Hagerty and pay for agreed value. I think I pay around 600.00 per year and it covers 25 or 30k. Running specialty or high end cars through every day insurance carries is a bad idea... Just fight them as long as you can and hope for the best.
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I use hagerty for all my cars that I do mods on. To go with a normal carrier on these trucks is a huge risk because your never going to get anything you put into them if there is a problem. To give an example, unless you specify extra coverage with hagertys, if you were to insure a Marlboro through them (I believe they Insure 5 out of the 10), they only value the Marlboro for 35k. That is what they deem a value on that truck unless you specify an extra 30-40k in coverage. If you have hagertys you can login and use their valuation tool. And that is a "special" insurance carrier, imagine what a normal carrier would give you. The problem with these trucks and normal insurance companies is that if you have standard coverage and you don't have an insurance certified appraisal of your truck and they don't have that appraisal in their hands when you bind coverage, if your truck is stolen (as in completely gone) you don't have any ground to stand on with regards to actual mileage of truck and condition. Even if you get a state inspection on a Monday and your truck gets stolen on a Tuesday and your truck actually had lets say 35k miles, if the truck is never recovered, your mileage check at inspection holds zero weight. And I believe all of the carriers are now protected against diminished value claims. That is a huge thing. If you own one of our trucks a diminished value policy in my eyes is a must. Basically what that means is this, back in 2000 I bought a Laguna seca e46 m3. At the time of purchase (I was one of the first batch of 100 cars) the value of that car was 10k over list. Someone clipped me when I had 375 miles on the car and the accident was not my fault. But (and this is the concept) why should you be penalized on a car fax as having been in an accident if it's not your fault. I had my attorney send over a letter stating dimished value and ontop of the repairs I was cut a check for over 13k. Same thing applies to our trucks and this is why everyone on here should be using a special carrier for these trucks. If you have a 50k mile truck and some wacks you, even if the repairs are perfect, your truck has taken a hit forever because it's getting entered into the insurance database. With a special coverage carrier that's all built in as long as your specifying coverage. Sorry for long post but everyone should be giving hagertys a call. It really is a smart move and if you don't have any accidents, you can get coverage for 25-30k for less than 900.00 and never ever have to worry!
 
0966Sy

0966Sy

Code what?
This is a sad story and sorry for your loss, not even the right amount of money will ever replace your truck. I also use State Farm after dropping Allstate after trying to jack up my rate the first time my Ty got hit. Last time I got hit in the Ty, it was 6,000 in damages. They luckily did not total it but it sure was close. I would hire a attorney, the vin number of the truck does not lie. Good luck
 
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Damian

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

My old co workers wife went back to State Farm (as an employee), let me get ahold of her and I'll get back to you.
 
Emmo

Emmo

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Update 9/8 … quickie. So State Farm still in conflict over if it's a Sonoma or a Syclone. What a hassle. Agent is vouching for me as best he can but what a machine State Farm is with the layers of "appraisal people" and "Mitchell people" and "adjuster people". That said highly highly advise that if your policies don't specifically state "Syclone or Typhoon" somewhere in the annual bill or policy call your insurance provider. I'm now having to dig up emissions tests and annual tag bills to "prove" to them it's a Syclone. What a hassle and to that here been paying $800 per year for coverage and initial offer stands at $1640 plus about $1200 more for wheels, stereo, and bedliner = $2800 check so far. :rant:

Have a good one all, til next update, Pete
 
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Damian

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

You shouldn't have to dig up all of that stuff, the vin alone will prove what it is. I'm sorry this is happening to you, too bad your agent isn't my friend over here! She was shocked to hear that they are putting you through this.
 
T-Bone

T-Bone

Active member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

cloneman315 said:
Don't cash any checks!
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X2. I wouldn't have even accepted a check from them until the amount was satisfactory. In some cases, to accept a check is the equivalent of agreement to settlement....most have you sign a statement to be issued the check and if you did, I hope you read what you signed off on. Sorry for your loss.
 
dgoodhue

dgoodhue

BuSTeD 4.3
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

x3 don't cash the check and Syclone have a unique VIN sequence. Compnine.com will be able to confirm your truck being a Syclone. (They really should haven't have to).
 
cloneman315

cloneman315

Active member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Honestly what they are doing is nothing at all surprising. If you keep going back and fourth they may work something out with you. Sadly in the end you may need to end up in a court battle over it because they may just say no.... It sucks for sure, One thing I have learned about insurance coverage....You never have really enough and nothing is ever really covered! Seems like there is always the hidden lines of discrepancy's across all boards. Car, health, etc, etc. Bottom line they all want to get the most and pay the least and that's the game. And when you need to use it they drop you anyways.
 
Jimmy

Jimmy

Banned
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

I know the State Farm reps are just regular ppl working a shit job in a call center, BUT HOLY **** THE ONLY 1gdct14Z VIN ever is a ****ING Syclone. How hard is that to understand?

It's not rocket surgery.

SMH. :roll:
 
Smkur50

Smkur50

SYTY Fleet owner
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Any indicators of you engine that made it unique? Special wires, coil etc? Just so we can keep a heads up if pops up
 
Emmo

Emmo

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

Smkur50 said:
Any indicators of you engine that made it unique? Special wires, coil etc? Just so we can keep a heads up if pops up
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Only special notes wrt to truck versus others out there. Has a dutchy intercooler I put in and fitted nicely with fresh paint, rerouted intercooler cooler lines, the factory radio is out in lieu of two gauges in center ( temp and boost ). And I still have original Sy wheels. Has new Edelbrock water pump, new radiator, brand new Interstate Battery, and adjustable fuel pressure regulator from RPM. The front two cladding pieces under the doors have a glued crack on each side as I missed the ramps once, haha. Otherwise all body panels are original and none had been painted. Roof liner missing.

Yep…It's interesting…I've kept an eye on ebay / craigslist etc and i'm thinking it's sitting in a warehouse somewhere for someone to just mess with and enjoy. They can't really sell it or part it out for the money. Truck has problems (all of them do) but problems I knew about and it ran strong with a stock setup.

Last note : StateFarm working agent working with claims people to say Syclone is subset of the Sonoma. So we will see what happens , up to around $2800 with options but still wrong truck though VIN is 100% correct. Will keep you all posted,
 
Emmo

Emmo

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

dgoodhue said:
x3 don't cash the check and Syclone have a unique VIN sequence. Compnine.com will be able to confirm your truck being a Syclone. (They really should haven't have to).
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Yep, not cashing any checks til amount seems fair…Luckily it's a second vehicle. I can only imagine folks with their only car getting into an accident and it dragging out until they give up on the payment amount as they need a vehicle for work, that's the "system"…Confusion and complexity until you give up … So just hoping for the best here
 
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atlantasy

Member
Re: My 91 GMC of 13 years Stolen from front of house Atlanta GA

My last ad velorum tax had my truck valued at 11000 at the dmv Feb 2015. Your registration alone should confirm the value.
 
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