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Questions About Auto Insurance & Accidents

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#1977 of 4406 Cant' afford deductable? by mbgc1 Aug 16, 2006 (8:57 am)
My ded is 500 . I was hit by a hit and run. I don't have the deduct and was just informed that when I switched coverage to the new car I didn't " request" rental coverage even though I have always had it before so I cant get a rental for the week it will take to repair the car.   The issue now is I don't wnat to repair the car but it is only 7 months old and had a lein holder chryler financial. The adjuster said the check needs to be made out o eith me and chrysler or me and a body shop. Is there any way around this? Replies to this message: bobst (Aug 16, 2006 2:48 pm) lilyowen (Aug 16, 2006 6:32 pm) euphonium (Aug 16, 2006 8:22 pm) mbgc1 (Aug 17, 2006 5:43 am)
#1978 of 4406 Re: Cant' afford deductable? [mbgc1] by bobst Aug 16, 2006 (2:48 pm)
Replying to: mbgc1 (Aug 16, 2006 8:57 am) What the adjuster said makes sense to me.   Who owns the car? I would say that Chrysler owns it until you have paid off the loan.   If I were in Chrysler's place, I would want the money spent to fix my car.
#1979 of 4406 Non-Owner Liability Insurance by danaf Aug 16, 2006 (3:34 pm)
Hi I will be renting a car for at least a month and the third party liability insurance (Liability Insurance Supplement) at the car rental company is very expensive ($13/day). I heard that there is liability insurance for people who rent cars a lot but does not own one. Has anyone used it? Where can I buy it? I have checked with a couple of agents but they don't provide it. Thanks a lot. Replies to this message: lilyowen (Aug 16, 2006 6:34 pm) danaf (Aug 17, 2006 2:40 pm)
#1980 of 4406 Re: Cant' afford deductable? [mbgc1] by lilyowen Aug 16, 2006 (6:32 pm)
Replying to: mbgc1 (Aug 16, 2006 8:57 am) Take the check made out to you and Chrysler Financial and sign it over to Chrysler to pay down your loan.
#1981 of 4406 Re: Non-Owner Liability Insurance [danaf] by lilyowen Aug 16, 2006 (6:34 pm)
Replying to: danaf (Aug 16, 2006 3:34 pm) Go to an agent and ask about Named Operator insurance. Have them describe it to you in detail and carefully read the policy -- in regards to what is and what is not covered. If you own a vehicle, this coverage typically will not cover you while driving a vehicle that you own. Replies to this message: danaf (Aug 17, 2006 2:40 pm)
#1982 of 4406 Re: Cant' afford deductable? [mbgc1] by euphonium Aug 16, 2006 (8:22 pm)
Replying to: mbgc1 (Aug 16, 2006 8:57 am) You switched the schedule of cars. You did NOT switch Coverages i.e. Rental Cost. If you had Rental Cost before, you should have it continued. A Customer Service Representative failed to retain previous Coverage. They are trying to cover their A$$ by saying you didn't request it. Well, they should understand you didn't request to delete Rental Coverage. This is the company/agency's Error and Omission.   Your agreement with the lienholder requires you to repair the vehicle. Replies to this message: mbgc1 (Aug 17, 2006 5:43 am)
#1983 of 4406 Re: Cant' afford deductable? [euphonium] by mbgc1 Aug 17, 2006 (5:43 am)
Replying to: euphonium (Aug 16, 2006 8:22 pm) Thanks for the greeat ideeas. Using the check to pay down the car is a great idea if they will go for it.   I am calling safeco directly this morning to discuss the rental coverage thing.
#1984 of 4406 mbgc by marsha7 Aug 17, 2006 (7:30 am)
Just as a side note, Safeco is one of the two worst insurance companies in the state of GA...the other one is Safeway...and I do not know if the two are related in some way... Replies to this message: euphonium (Aug 17, 2006 10:04 am)
#1985 of 4406 Re: mbgc [marsha7] by euphonium Aug 17, 2006 (10:04 am)
Replying to: marsha7 (Aug 17, 2006 7:30 am) Safeco is the grandson of Oregon Mutual Ins. Co., McMinnville, OR. Because O.M. was a very conservative operation, a few of the more "progressive" guys left the company, drove to Seattle and formed Northwestern Mutual Fire Association, known today as Unigard. Well, some of the guys at NWM decided to really be aggressive and moved to the University district of Seattle to form The General Insurance Co. of America, known today as SAFECO.   Having been in the agency side of the business since 1955, I quickly learned SAFECO was the company we loved to hate. A very dictatorial outfit to do business with and their claims adjusters are known as Shylocks.   Today, their immediate past CEO is running for WA senator. Safeco gave him a wonderful retirement package which is sponsoring his campaign.   Is it no coincidence SAFECO is an English brand of a prophylactic?
#1986 of 4406 Re: Non-Owner Liability Insurance [lilyowen] by danaf Aug 17, 2006 (2:40 pm)
Replying to: lilyowen (Aug 16, 2006 6:34 pm) Thanks a lot lilyowen.

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