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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: 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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Hi Marsha7, you were oh so helpful with all of my questions I thought I would pass on a bit of info since my last post (re: I filed my injury claim just last months with my insurance - MetLife - because I didn't know I had medical coverage...d'oh!). Anyway, I'm not ready to settle with the other person's Geico insurance, but MetLife paid all of my health insurance expenses before I even sent them that Medical Authorization I was so concerned about! They haven't paid my copays yet because it took me a few weeks to get all of the info, but they did pay my health insurance and I've signed a waiver with them that any future care is not subject to either reimbursement or subrogation. So what MetLife paid covers subrogation to my health insurance plus all of my out of pocket costs for the last two years. Whatever I do/don't negotiate with Geico covers my lost wages and significant pain/inconvenience (but it takes a lot of the pressure off negotiations now that I know I don't **owe** anyone anything)! It's a small win for the cynic  Thank you again for all of your help!! I would like to ask after reading some recent posts, does this type of claim count against me in terms of premiums? This was a rearend accident with the other driver at fault. I haven't filed any other claims - home or auto - with MetLife in about 10 years, and that was for a very small amount. |
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Replying to: marsha7 (Aug 02, 2006 6:08 pm) |
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In my mind, I DID let you down easy...if you were one of the regular poster here I would have really been direct and blunt...I kinda thought I was tactful, diplomatic and gentle... smoochy: it should not count against you, as it was not your fault...it could count against you, even if not your fault, if it was the 5th accident in two years, because then they want to dump you for being Calamity Jane...
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Replying to: marsha7 (Aug 04, 2006 7:48 am)
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They survived Katrina...they survived Andrew...they survived Camille...barely a drop of water inside...not enough to save anyone dehydrated from walking the Sahara Desert... Buy here...Pay here...and pay here...and pay here...and pay here...oh, and I don't sell Gap insurance on my loans... Come one, come all!!!!!
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Smart Shopper Questions About Auto Insurance & Accidents
