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Questions About Auto Insurance & Accidents

4410 messages,  Last post on Nov 29, 2009 at 5:58 AM

You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester

What is this discussion about? Buying Insurance


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#3141 of 4410
Re: HELP! [southerndivanc] by Mr_Shiftright HOST
Aug 15, 2007 (4:31 pm)
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Replying to: southerndivanc (Aug 15, 2007 2:42 pm)

Why not talk to the owner of the dealership and propose he sell you a new car for a fair price less the use you had on the 2007 on a per mile basis; otherwise he'll HAVE to fix it under his "errors and omissions" insurance. The factory isn't going to pay for his employees carelessness that's for sure.
 
If the dealer destroyed your engine then he owes you a new engine. I don't know that you can ask for more than that, legally speaking.
#3142 of 4410
Re: HELP! [southerndivanc] by qbrozen
Aug 15, 2007 (5:55 pm)
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Replying to: southerndivanc (Aug 15, 2007 2:42 pm)

OK. So you had the oil changed at a NON-dealership, correct?
 
First, I can't believe a new engine on this car costs $14k! Good grief, times have changed? When did Toyota start using BMW engines?
 
2nd, I think you are treading on thin ice, to be honest. You should NEVER have let the engine run for even 1 more minute after the oil light came on. I would be very careful about how hard I push, if I were you. Or be very careful with how I explain the course of events.
#3143 of 4410
Re: HELP! [qbrozen] by Mr_Shiftright HOST
Aug 15, 2007 (6:33 pm)
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Replying to: qbrozen (Aug 15, 2007 5:55 pm)

Ah you read it better than I did...yes, it sounds like he didn't do it at a dealership....
 
Well, then...the shop has insurance and has to fix it, or you sue them for damages. Toyota is off the hook, near as I can tell.
#3144 of 4410
Re: HELP! [southerndivanc] by euphonium
Aug 15, 2007 (9:15 pm)
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Replying to: southerndivanc (Aug 15, 2007 2:42 pm)

First: I sincerely Thank You for wearing the uniform and defending us against the Terrorists in Iraq. Bless you.
 
However, any vehicle with 20,000 miles is no longer brand new.
 
The $14,000 charge by the dealership is way out of line.
 
The establishment that did the oil change is responsible for your having the repairs made. Their "Garage Keepers Legal Liability" policy will cover all, but the Drain plug if that is what was not screwed in properly. You need to deal with the insurance company that insures the oil change establishment.
 
If I were in your situation, I'd be flexible and allow the company to pay to install a V6 engine from another used Camry or Avalon with 10,000 or less miles.
 
Good Luck to you.
#3145 of 4410
Re: HELP! [euphonium] by tidester HOST
Aug 15, 2007 (9:23 pm)
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Replying to: euphonium (Aug 15, 2007 9:15 pm)

I'll second that motion!
 
tidester, host
SUVs and Smart Shopper
#3146 of 4410
Can't figure this one... by oldfarmer50
Aug 16, 2007 (2:11 am)
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My son has a really poor driving record. He has just purchased a car of his own to travel to work. I was helping him get some insurance quote and something odd happened.
 
I knew that because of his multiple tickets he was going to pay a higher rate. Most of the quotes came back in the $1500-$2000 range for six months. Compare that to my rate of $259 for the whole year.
 
One company (Progressive) came back with a rate of about $650 for six months. We jumped on it.
 
Now I'm wondering, what's the catch? Do insurance rates vary that much? This rate is 75% less than some other quotes. I figured rates would vary by 10-20% but this seems too good to be true. It is actually less than my insurance company charges me to have him on my policy.
 
I asked the company representitve point blank, is this a teaser rate that will jump at the end of six months and he said that if my son had a clean record between now and then his rates should stay the same.
 
Any thoughts? Great bargain or not?
#3147 of 4410
Re: Can't figure this one... [oldfarmer50] by mikefm58
Aug 16, 2007 (4:19 am)
Reply

Replying to: oldfarmer50 (Aug 16, 2007 2:11 am)

I too have a 19 year old son with a poor driving record. He's got only one ticket, but 3 minor accidents. He's paying $1150 every 6 months for just liability coverage at 250/500/100 with State Farm here in Florida. That includes a good student discount because of his grades, which I think is a few hundred bucks each time. No other company including Progressive could come close and some wouldn't even take him.
 
What coverages are included in the quotes? Even if it's just liability, the Progressive quote isn't too bad.
#3148 of 4410
Re: Can't figure this one... [oldfarmer50] by euphonium
Aug 16, 2007 (9:12 am)
Reply

Replying to: oldfarmer50 (Aug 16, 2007 2:11 am)

A QUOTE is always subject to underwriting information not on the application. If the policy is issued and there is no increase within 60 days, the Quote sticks on the barn door. Hold you breath.
 
It would be helpful to know his age, marital status, distance driven to work, the car, & what's on his MVR.
#3149 of 4410
Re: Can't figure this one... [mikefm58] by oldfarmer50
Aug 16, 2007 (10:55 am)
Reply

Replying to: mikefm58 (Aug 16, 2007 4:19 am)

"...What coverages are included in the quote..."
 
We went for minimum liability required by New York. 25/50 liability, 10 property damage and PIP (no fault) of I think 25.
#3150 of 4410
Re: Can't figure this one... [euphonium] by oldfarmer50
Aug 16, 2007 (11:01 am)
Reply

Replying to: euphonium (Aug 16, 2007 9:12 am)

"...A OUOTE is always subject to underwriting information not on the application..."
 
I'm not sure what you mean here. Do you mean that if we fail to give a complete record of his tickets and accidents they can raise the rate?
 
They went over his record with me on the phone and at they checked it out. The rate was still the same.
 
That's interesting what you said about 60 days. You mean they can bump the rate within that time?
 
As to his driving record. He's 20, single, drives a $350 beater about 4 miles to work. He has had mulitiple moving violations for stuff like speeding, rolling stops etc. He had one accident where he drove my car off a cliff. Fortunatly, no one was hurt and the car was worth less than $1000. Because he left the scene the police were really angry and wrote him every ticket they could think of.

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