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Smart Shopper Questions About Auto Insurance & Accidents
4410 messages, Last post on Nov 29, 2009 at 5:58 AM
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Replying to: qbrozen (Jul 27, 2006 1:03 pm) i believe it should have been diagnosed and totaled at the outset (and my letters to them from June 1 reflect this), but they placated me--insurance company and car repair shop--assuring all had been done correctly. my point of contention--per Honda--a compression test is just what you do when a stolen recovery presents with one quart of oil remaining. you don't just check the left blinker and the tire pressure and get to work replacing body panels. had this been handled correctly i wouldn't be 2.5 months into this. i had to purchase a replacement car, i've lost time from work, etc., etc. just wondering if there's recourse for me. my loss on this is far more than the total payout. thanks. |
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Replying to: euphonium (Jul 24, 2006 10:19 am) But it seems that they do not "hold it against" us - maybe because that's the law in our state (NY), maybe because that's their policy re comprehensive claims (not collision, and therefore, as the insurance co. rep said, "not the driver's fault"), maybe because it was a low-value non-suspicion-alerting claim (only one side window), maybe because it was only the third time ever we claimed anything on our policy. Maybe a combo of reasons. In any case, the window-fixer dude came out to us the next day, fixed it quickly and well, and I hope there won't be repercussions on our policy. |
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Replying to: aleciav (Jul 27, 2006 1:25 pm) Your insurance adjuster messed up.....big time. Any one with half a brain that sees an engine with one quart of oil left would have the engine thoroughly checked out by a competent mechanic. The body shop doesn't care, if the vehicle is totalled out, they make zero, so their incentive is to fix it.
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Replying to: aleciav (Jul 27, 2006 1:25 pm) well, as far as extra money for pain and suffering or time off of work, I can't help ya there. You probably have no recourse, but I'm not a lawyer. |
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Replying to: mikefm58 (Jul 27, 2006 5:30 pm) the adjuster messed up, the inspector messed up, the "cosmotologists" made out--yep. this sucks. i'll see where i get with the insurance company, hope i don't have to resort to an attorney (though you can bet i've identified one), and get over this, lessons learned, and move on. i've considered divesting myself of all cars and returning to my bicycle as my primary/sole mode of transportation. really, it's the BEST (if you don't have to be anywhere in a hurry, more than 30 miles away, carry much, or look good when you get there). but really, getting everywhere by bike for two years was some of the best living i've ever done. thanks everyone for your input on the car. i'll look for other posts, but this has been really helpful.
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Replying to: aleciav (Jul 28, 2006 9:30 am) I've thought of the same thing. My work is only 18 miles away but too much highway driving. |
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Ive got a question for al lthe Insurance experts.. Ive got a poor driving record..Ive got 2 seperate wrecks in the past 2 years..Totaling out 2 Motorcycles..Both werent involved with any other vehicles and 1 speeding ticket..My wife has a wreck where che rearended another vehicle and totaled out her Honda Passport.. Now im trying to get a newer vehicle and am going to have to get full coverage because of the lean that will be on it..Also im only 20 and shes 21...Yea i know..Bad..Anyways one place quated me at 6000 a year on a 2005 Jeep Grand Cherokee...And thats bending me over imo..Here lies the Question: Is there an insurance company or way of finding one that insures high risk drivers for cheaper rates? I need help...ANYONE? BTW live in Kansas TY so much in advance
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Replying to: bklounge (Aug 02, 2006 12:18 pm) |
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try those companies, but my first thought might be to buy something a little cheaper than a 2005 JGC, and expect more $$$ to go to insurance prmeiums... Not to rub it in, but your description of your and wife's driving record at age 20 and 21 is pitiful...the exact type of driver that insurance companies place in high risk, because you are high risk...with 2 cycle accidents that did not involve another vehicle means, I assume, you managed to total two bikes with reckless driving (unless you hit something like black ice in the winter, which no one could avoid losing control)... if your wife totalled the Passport, I assume that the other vehicle suffered major damages, so ins probably paid out a pretty penny for her... I wish I had encouragement, but I would buy a cheaper car, suck up and pay the premiums until your driving record allows your premiums to drop, and hopefully have no more accidents that are your fault... You might say that between your ages, and driving records, the high risk pool was created for drivers like you...sorry to be so blunt, but I do not know what else to say...
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Replying to: bklounge (Aug 02, 2006 12:18 pm) Recommend you "shop" several Independent Insurance agents because they represent several companies and can at least offer you a selection of premiums. However, the problem lies in the company's underwriter who may refuse your application due to your records. Your living together married is a plus for you with the underwriters. Good Luck. |
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