I don't know what its like getting car insurance in the United States but in Canada it is complete bullshit.
Ontario province especially is a place where insurance companies have been privatized and are doing as they please, making the rules as they go along. Yet we can't drive without it so we have to eat their BS...
For example, I recently purchased a 1993 Camaro which has been upgraded slightly (pic below). Upgrades include (bolt on) exhaust, spoiler, custom hood and wheels. Engine is stock, no 10000 dollar stereo...etc.
My insurance company(major bank) damanded that they take a look at the car as its 15 years old, they told me that they want to make sure it is safe for the road. Knowing that the car is in better condition than most 2 year old cars, I took it in to their service shop. They took 3-4 photos and filed their report and said car passed all safety checks that they needed to perform. My car wasn't examined, wasn't driven, wasn't even turned on.
2 months later(last week) I get a letter in the mail telling me that my insurance has been canceled. Apparently the Camaro has been modified in such ways that it would provoke street racing. Now that is rediculous. I am almost 28 years old and have had 2 speeding tickets all my life. I drive this car to work wearing business atire for christs sake...I'm not going to race some punk in a honda civic. I've been paying these guys 2500 dollars a year (or more) for as long as I remember and this is what they give in return?
In any case, I called a different insurance company and they said that they will gladly insure me, but because my old insurance declined to insure the Camaro(its on my file which all insurance companies have access to), they need to see it first before they can insure it. I've been blacklsited basically...
I have no clue what I am supposed to do at this point. Some pencil pusher in an office will see the pics of my car again and say that the car looks like a racer...not knowing anything about cars or what racing cars have.
Does anyone have any ideas how to deal with BS like this?
