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Questions About Auto Insurance & Accidents

4405 messages,  Last post on Oct 17, 2009 at 9:53 AM

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#1995 of 4405 Re: Crash test info... [smoochy] by cccompson Aug 25, 2006 (1:43 pm)
Replying to: smoochy (Aug 25, 2006 7:36 am) My two cents is that you should HIRE a lawyer IMMEDIATELY. If it's been two years you're likely coming up on the statute of limitations and need to file suit NOW. Given your described situation, a demand letter at this late date will yield no positive results.
#1996 of 4405 Can CDI raise my collison deductible to $3000 without my consent? by hawaiianhunny Aug 26, 2006 (11:23 am)
Replying to: miagarfunckle (Feb 07, 2002 3:53 pm) Back in May 2005, I switch my insurance company to Canadian Direct. They issued the policy with $1000 collision deductible. Somehow, since May 2005 they've raised my deductible to $3000 without my consent!!! Their excuse was because after they issued the policy, they discovered that I live with my parents and I didn't include them as drivers at the time of application. My parents will NEVER drive my car, but they still put them on the policy anyway. I've gotten into 2 non-fault accidents since my policy was issued with CDI. Now I got into an at-fault car accident and they want me to pay $3000!!!! Can CDI do such a thing???? Please help.
#1997 of 4405 Totaling Water Damage Car by pgill Aug 28, 2006 (11:04 am)
Hope the experts on this board can help...   I have a 2006 BMW 530xiT (wagon) that got caught in a flash flood and sustained extensive water damage. The initial estimate came out to be about $20k including a new engine. I have heard too many horror stories of recurring electrical and mechanical problems after water damage that I want the car totaled. However, due to my car being so new, insurance company is inclined to fix the car.   What is the best course of action to convince the insurance company to total the car? Any advice would be much appreciated. Replies to this message: qbrozen (Aug 28, 2006 11:32 am)
#1998 of 4405 Re: Totaling Water Damage Car [pgill] by qbrozen Aug 28, 2006 (11:32 am)
Replying to: pgill (Aug 28, 2006 11:04 am) what kind of water? salt water is a much bigger problem and i could see arguing for rewiring the whole car, etc.   you can try to keep talking to your insurance company, but, honestly, its going to be REAL tough to get a company that is in business to make money to pay out $40k to total a car rather than $20k to fix it.
#1999 of 4405 Miles per year to avoid increased premius? by skuba Aug 28, 2006 (11:57 am)
Do you know what's the number that insurance companies, specifically AAA, are looking when they ask how many miles a year we drive? This has to do with the premium price.   Let me be more clear. If I signed with AAA 1 year ago and had, let's say 15k miles. After 1 year they want to know what's the current mileage reading, so they can figure out the new premium. How much would be a good number to avoid increased premium? Know what I mean?   Thanks Replies to this message: kirstie_h (Aug 28, 2006 12:06 pm) tidester (Aug 28, 2006 1:48 pm) skuba (Aug 28, 2006 2:26 pm) and 1 more... euphonium (Aug 28, 2006 1:47 pm)
#2000 of 4405 Re: Miles per year to avoid increased premius? [skuba] by kirstie_h HOST Aug 28, 2006 (12:06 pm)
Replying to: skuba (Aug 28, 2006 11:57 am) Yes, yes, I think we do.   Um... we don't allow promotion of illegal activities, and insurance fraud (which is what you'd be committing by lying about the mileage) falls under that category. Replies to this message: tidester (Aug 28, 2006 1:48 pm) skuba (Aug 28, 2006 2:26 pm) tidester (Aug 28, 2006 3:13 pm)
#2001 of 4405 Re: Miles per year to avoid increased premius? [skuba] by euphonium Aug 28, 2006 (1:47 pm)
Replying to: skuba (Aug 28, 2006 11:57 am) In WA, AAA is the agency representing several different companies. Ask your AAA to quote a different company that doesn't rate by mileage.   If you falsify your odometer reading what is your plan when you are involved in an accident and the truth is then made known?
#2002 of 4405 Re: Miles per year to avoid increased premius? [kirstie_h] by tidester HOST Aug 28, 2006 (1:48 pm)
Replying to: kirstie_h (Aug 28, 2006 12:06 pm) Not only that but his claims would be denied were he to be in a serious accident. Moreover, he'd be subject to criminal penalties. There's no free lunch.   tidester, host Replies to this message: skuba (Aug 28, 2006 2:26 pm) tidester (Aug 28, 2006 3:13 pm)
#2003 of 4405 Re: Miles per year to avoid increased premius? [tidester] by skuba Aug 28, 2006 (2:26 pm)
Replying to: tidester (Aug 28, 2006 1:48 pm) Wrong!!!   I have 2 cars. I would try to keep it under that mileage if possible. Replies to this message: tidester (Aug 28, 2006 3:13 pm)
#2004 of 4405 Re: Miles per year to avoid increased premius? [skuba] by tidester HOST Aug 28, 2006 (3:13 pm)
Replying to: skuba (Aug 28, 2006 2:26 pm) Wrong!!!   I am delighted to hear that we all misunderstood what you meant.   tidester, host

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