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Smart Shopper Questions About Auto Insurance & Accidents
4415 messages, Last post on Dec 03, 2009 at 10:32 PM
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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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I hope you didn't drive on the 13th or 14th until 4:35pm -- that's all I've got for ya. |
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Had you moved from Pasadena to Santa Monica you most certainly would have wanted a return premium reflecting your new lower rated territory.  It works both ways. The premium in the higher rated territory is what determines what you owe, not the date on the calendar or hands on the clock. Had you moved to a lower rated territory, Progressive would have issued a Return Premium within thirty days. Progressive is playing by the rules of the CA Insurance Commission and they play fair.
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Replying to: euphonium (Aug 11, 2006 7:55 pm) So you say Progressive Isurance is not being decieptive when they accecpt my money for a NEW POLICY TERM knowing my new address without updating the price? My question stands. Why could I get an accurate instant quote if I was a new customer, but that they can show my NEW ADDRESSS and a price and not have to honor it? Can you explain why a new customer gets faster and more accurate pricing than a returning, loyal customer?  My driving record had not changed only the place I sleep and park at night. I realize that different areas are charged different rates BUT if 99.9% of people providing accurate information can get an accurate, instantaneous quote, what is the justification for giving less timely and less accurate service? OR simply stating BEFORE I paid in full for 6 months that due to my recent address change my rate could change. In the 21st century that would probably take their computer programmers very little time to type: (If address change since last payment then CLEARLY post message before payment that rate shown may not reflect actual rate owed) In my experience, they didn't post the potential for a rate change clearly or unclearly and that is suspicious If they played fair I would still be their happy customer
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