Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-18 Thread Cliff Leboeuf
1. I don't agree that 'vehicle' insurance covers ANYTHING that arises due to the vehicle or its use. 'Vehicle' insurance covers things when used as a 'vehicle'... Driving accidents. Even if you have 'vehicle' insurance on a bucket truck, you would need 'liability AND worker's compensation'

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-18 Thread Tim Wolfe
Cliff Leboeuf wrote: 1. I don't agree that 'vehicle' insurance covers ANYTHING that arises due to the vehicle or its use. 'Vehicle' insurance covers things when used as a 'vehicle'... Driving accidents. Even if you have 'vehicle' insurance on a bucket truck, you would need 'liability AND

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-17 Thread Tom DeReggi
states, the insurance covers ANYTHING that arises due to the vehicle or its use Insightful, I did not know that. And under that situation, Its logical that business liability coverage would cover anything above what the auto-insurance did not. But the real question here is not whether the

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-17 Thread Brian Rohrbacher
Tom DeReggi wrote: states, the insurance covers ANYTHING that arises due to the vehicle or its use Insightful, I did not know that. And under that situation, Its logical that business liability coverage would cover anything above what the auto-insurance did not. But the real question

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-17 Thread Marlon K. Schafer (509) 982-2181
Man, that is scary and damn foolish advice you guys! Nothing worse than finding out that you are improperly insured. Can you imagine what would happen when you tried to file a claim and they denied it because you insured a van not a bucket truck! wow Marlon (509) 982-2181

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-17 Thread Marlon K. Schafer (509) 982-2181
fyi I'm not even going to try to read these last two posts. You guys need to use paragraphs! This is wa too hard on the ol' eyes! Marlon (509) 982-2181 Equipment sales (408) 907-6910 (Vonage)Consulting services 42846865 (icq)

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Tom DeReggi
Tim, I agree, there is risk of not getting covered, if full disclosure is not given. That is something that the WISP should consider in advance. (But doesn't mean it won't be covered, as they'd need to prove that having the bucket was something both parties typical would think relevant to

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Peter R.
Borders on Insurance fraud... and if you have to activate the insurance, they don't have to pay... Tom DeReggi wrote: If its a standard VAN / Truck body, Don't tell them about the bucket! Call it a VAN, not a Bucket truck! Tom DeReggi RapidDSL Wireless, Inc IntAirNet- Fixed Wireless

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Brian Rohrbacher
A guy that was helping me out crashed my install truck a month or two ago. He didn't see a stop sign. He t-boned an old couple in their mid-late 70s. The woman more than had enough injuries to qualify for the 100K personal liability/personal disability (PL/PD) I had on the plan. But

RE: [WISPA] Insurance for use of bucket truck or lift for installs. And Worker's Comp...

2006-11-16 Thread Dylan Bouterse
How are you handling worker's comp for the people authorized to use the truck? Dylan -Original Message- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of cw Sent: Wednesday, November 15, 2006 9:10 PM To: WISPA General List Subject: Re: [WISPA] Insurance for use of

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Tim Wolfe
Tom, I do share some of same views that You have. I just thought it would be a good idea to present the pros and cons of omitting information. There are 2 types of insurance customers it seems?. The first one is like Yourself. You buy the insurance because You have to, and the thought of using

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Tom DeReggi
When you put it that way... It does bring a new perpective to think about. Well said. Tom DeReggi RapidDSL Wireless, Inc IntAirNet- Fixed Wireless Broadband - Original Message - From: Tim Wolfe [EMAIL PROTECTED] To: WISPA General List wireless@wispa.org Sent: Thursday, November

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Travis Johnson
Hi, There are several other factors to consider here insurance on the vehicle itself is to cover if you damage someone else's property (vehicle) by getting into an accident on the road. You may also have full-coverage insurance to pay to fix the bucket truck itself. However, the other

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread J. Vogel
Travis brings up a good point I think. When I purchased insurance on my bucket truck, I specifically asked the agent about possible problems with it being a bucket truck, and he assured me that as far as the automotive liability insurance was concerned, the bucket had no effect, as any mis-haps

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Tom DeReggi
I disagree with that. Something isn't fraud, if no concious effort was made to hide something or deceive someone. Not being asked, is not being the same thing as hiding something. If you installed a new stereo system in your vehichle or a new ladder rack, would you call your insurance company

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Tom DeReggi
Excellent point Travis. It would be covered under business liabilty insurance and/or workman's comp. Auto insurance is meant to cover the driver or other guy that got hurt in a driving accident. Never once heard of a bucket contributing to a driving accident with another vehichle. Unless of

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-16 Thread Tim Wolfe
Tom DeReggi wrote: Excellent point Travis. It would be covered under business liabilty insurance and/or workman's comp. Auto insurance is meant to cover the driver or other guy that got hurt in a driving accident. Never once heard of a bucket contributing to a driving accident with another

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread Marlon K. Schafer (509) 982-2181
We dropped it and parked the truck for now. When it's time to use it again I'll probably just have the insurance set up so that I'm the only one that can use the truck. Our insurance is a wreck these days. The costs have shot up so high it's almost impossible to afford any. Marlon (509)

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread Tom DeReggi
If its a standard VAN / Truck body, Don't tell them about the bucket! Call it a VAN, not a Bucket truck! Tom DeReggi RapidDSL Wireless, Inc IntAirNet- Fixed Wireless Broadband - Original Message - From: Marlon K. Schafer (509) 982-2181 [EMAIL PROTECTED] To: WISPA General List

RE: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread Forbes Mercy
I use standard Farmers Insurance for our fleet insurance who has never mentioned a problem with the fact that it's a bucket truck or not. Forbes Mercy President - Washington Broadband, Inc. -Original Message- From: [EMAIL PROTECTED] [mailto:[EMAIL PROTECTED] On Behalf Of Marlon K.

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread Travis Johnson
Yup yup yup. Ours is a Ford F-350 4x4. :) Travis Microserv Tom DeReggi wrote: If its a standard VAN / Truck body, Don't tell them about the bucket! Call it a VAN, not a Bucket truck! Tom DeReggi RapidDSL Wireless, Inc IntAirNet- Fixed Wireless Broadband - Original Message - From:

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread Tim Wolfe
Tom DeReggi wrote: If its a standard VAN / Truck body, Don't tell them about the bucket! Call it a VAN, not a Bucket truck! Tom DeReggi RapidDSL Wireless, Inc IntAirNet- Fixed Wireless Broadband As an insurance agent for the last 16 years in the state of PA(Besides running a WISP too for

RE: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread Brad Belton
God forbid the van kills someone in a traffic accident unrelated to the bucket all together. The Insurance Company could and probably would deny the claim due to a falsified application. If an insurance company can find a way out of a claim (especially a costly one) they will. Best, Brad

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread cw
You might have your agent try Progressive. Ours is listed as a ladder/bucket truck and they never said that was a problem. It's $2200/yr with collision and a million liability. Seems expensive to me but Florida insurance rates are just that way. - cw Dylan Bouterse wrote: I'd like to hear

Re: [WISPA] Insurance for use of bucket truck or lift for installs.

2006-11-15 Thread lakeland
In NY I have to take the vehicle to the insurance company so they can verify ownership and vehicle net worth I would not be able to hide that the vehicle is a bucket truck We presently rent a bucket truck from unitef rental which includes insurance. 3000 per month Bob Sent from my Verizon