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Questions About Auto Insurance & Accidents

4406 messages,  Last post on Oct 17, 2009 at 9:53 AM

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#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.
#1987 of 4406 safeco by mbgc1 Aug 17, 2006 (5:29 pm)
Well the body shop said the adjuster is way off and that no one could fix the car for what he put the estimate at. Also he wouldn't include one of my damaged doors because he said it didn't look like it happened at the same time. Replies to this message: jplyman (Aug 18, 2006 7:48 am)
#1988 of 4406 Re: safeco [mbgc1] by jplyman Aug 18, 2006 (7:48 am)
Replying to: mbgc1 (Aug 17, 2006 5:29 pm) When I totaled out my car (12 years ago) it was 6 months old and the adjuster for Travlers wanted to give me 8,000 less than I paid for the car from my father's dealership. Needless to say this wouldn't work! I finally had to tell the adjuster that I felt that I needed a lawyer who could help me with all this complex stuff and look out for my interest. It was amazing that I had a check the next day for the adjusters amount plus the 8k.   Insurance claims adjusters are tyring to give you as little as possible for your car and will try and deny as much as possible. There job is to cost the insurance company as little as possible and have no headaches. If you become a headache and ask about thier grievence policy and say things like maybe I need a lawyer to help me settle this - they will probably make a settlement that is fair.   Make sure you know what is fair though do your home work and you should be able to make it through.   Good Luck

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