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Smart Shopper Questions About Auto Insurance & Accidents
4410 messages, Last post on Nov 29, 2009 at 5:58 AM
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Replying to: oldfarmer50 (Aug 16, 2007 11:01 am) How can you be sure you know his complete driving history as there may be other incidents he "forgot" to tell you? As he is just four miles to work, a bicycle is in order - just for the safety of others on the roads. 
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Replying to: euphonium (Aug 16, 2007 8:08 pm) I'm pretty sure I got them all. As I said I was on the phone with the company rep and he was able to access my son's record. I know this because one ticket he got was "speed too high for road conditions". The menu on their web site didn't have that exact offense so I picked "other minor violation". The rep noticed this and after I explained why I had listed it the way I did he said: "The rate is still the same". I have to assume that if I had missed anything else he would have mentioned it at that time. As for the bike idea, that would be Ok for the summer but here in upstate NY bikes are not practical in the winter. Besides, drivers here like to use bikes for target practice. Two bikers have been killed in the past weeks by hit and runs. My son may not be perfect but I don't think he should get the death penalty.
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Replying to: oldfarmer50 (Aug 17, 2007 2:03 am) 
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Replying to: Mr_Shiftright (Aug 17, 2007 9:19 am) I'm not so sure I'd call them tyrants but it pays not to piss them off. Half of my son's points came from the one accident. He slid on ice coming down a hill, slid through a stop sign and over an embankment into the woods. This was in January, he was cold so instead of calling the police he called a friend and went to the friend's house to warm up (and I guess to come up with an excuse for why my car was in the trees). In the meantime the police dragged me out of bed thinking I had been driving. When they saw it wasn't me and there was no one with the car they brought out the bloodhounds to search for him. By the time I located my son the police were in a rare mood. I made sure to accompany him back to the scene because I was afraid they would work him over if they got him alone. In the end they took it out on him by writing multiple tickets.
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Replying to: oldfarmer50 (Aug 17, 2007 12:51 pm) Don't be afraid of Police as they are there to "Serve and Protect" so I trust you thanked them for searching for your errant son.
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Replying to: euphonium (Aug 17, 2007 2:33 pm) It sure was. It was after they found out he was OK that both my and the police's mood changed. "...Leaving the scene is not recommended..." No it is not. It can even get you a ticket "...I trust you thanked them..." Yes I did. And I insisted that my son apologize to each officer. I still would not have left him alone with them though. Police are people too and they can make bad judgments in the heat of the moment, just like teenagers. |
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Replying to: euphonium (Aug 17, 2007 2:33 pm) Supposedly state insurance boards are supposed to regulate insurance companies and protect the consumer, but one has to wonder. I've tried to file a complaint against an insurance company for violation of state regulations. It's a sobering experience. No wonder there are so many class actions suits flying around right now. Here's an interesting website on the subject--but I have no idea how accurate or fair it is-- http://www.badfaithinsurance.org/ |
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Last month the 10th District Court of Appeals (Franklin County) unanimously recognized that diminished value can be recovered in Ohio in Rakich v. Anthem Blue Cross & Blue Shield, 2007-Ohio-3739. This is now the law in Columbus (and I sure hope I never need it!). According to yesterday's edition of The Columbus Dispatch, the insurance company has yet to decide whether to appeal to the Ohio Supreme Court. IMHO the decision was well reasoned and will not be reversed if appealed. Caveat: perhaps I should say that it should not be reversed. Given that the GOP holds all 7 seats, pro-business decisions are not unknown here. Per the newspaper, the SUV in question sold for $49,000 new. Five months later it was broadsided and the insurance company paid $8000 to repair the damage. The owners are now seeking an additional $6000 for diminished value.
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Replying to: cccompson (Aug 19, 2007 4:52 pm) In California I was under the impression that you can sue the third party but not your own company for DOV. Insurance companies HATE DOV claims. They fight every one tooth and nail. |
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Replying to: Mr_Shiftright (Aug 19, 2007 5:43 pm) It should be honored in all Property Damage Liability Claims and all U.M. Property Damage Liability claims. The more pricey or costly of the vehicle in question, the more DV should be awarded. |
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