Last post on May 09, 2013 at 1:37 PM
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#5205 of 5324 Re: POP QUIZ [igozoomzoom]
by steve_ HOST
Jan 28, 2013 (4:13 pm)
I wish my agent was as sharp as you. Maybe I should go to the one other guy in town for a check.
Michigan has weird insurance laws too.
I'm carrying everything on two old cars that may be worth $2,000 and $3,000 each. Usually I would have dropped collision long before now. My limits are 250/500, PPI of 1 million and "coordinated" PIP. Premium is right at $1,000 a year. About twice what somewhat similar coverage in Boise was.
Crap, just noticed I'm now getting the senior discount. Talk about adding insult to injury.
#5206 of 5324 Re: POP QUIZ [euphonium]
Jan 28, 2013 (7:52 pm)
"What can be done about using all of the PIP benefits of the policy to take advantage of Chiropracter massages and when the limit is out of gas, the patient is suddenly without any more pain? Claimants work the system if they can."
I must disagree...I have had many clients get more pain relief from chiropractors than the drugs the MDs give them...you would be amazed how many folks say that the pain pills and muscle relaxers not only did not work but made them loopy at the same time...
When it comes to the standard whiplash type injury, the chiropractor is about the best there is...obviously, broken bones, lacerations and other ultra serious injuries require medical care, but soft tissue injuries are best handled by the DC...
#5207 of 5324 AARP Mature Drivers Course
Jan 28, 2013 (8:19 pm)
We've taken this class twice now and supposedly it helps to lower one's insurance bill. Good class actually which must be taken every 3 years. This last time we did it in 2 days and it wasn't that bad...really. We were the youngest in the class though...a good thing! Great instructor who happens to live where another poster in Edmunds lives. Figured "what the hell"...take it and see if the bill goes down a bit. And "she that must be obeyed" signed us up!
#5208 of 5324 Re: POP QUIZ [steve_]
Jan 29, 2013 (8:52 am)
I still remember my shock and dismay when a young lady at a Hardee's drive-thru window advised me, with a big smile, that she had included my senior discount in the price. That was 14 years ago. I was 56 at the time and still thinking I was somewhat of a stud !!
#5209 of 5324 Re: POP QUIZ [sandman_6472]
Jan 30, 2013 (2:54 pm)
Curious about your thoughts on Metlife? We have 21st Century(Farmers) right now but am making a change. My new agent seems to like Metlife to.
My agency sold MetLife Auto for years and, due to excessive losses and the unstable economy, MetLife decided to stop selling new policies in Georgia. That happened in early 2010, about six months before I started working there.
They only put a moratorium on NEW business, so they didn't just dump their existing customers in Georgia. They still offer renewals each year to those customers and will continue to do so. Most companies just give the required legal notice- in XX days we're leaving this market and you need to find new coverage!
From what I've seen, they handle auto claims quickly and fairly. The other two Personal Lines agents in my office said they've never had a single complaint about MetLife!
But even if I didn't know anything about MetLife, I would still say that you made a good move leaving 21st! As an independent agent, I deal with a lot of companies when one of my customers is involved in accident with one of their policyholders, especially when the other guy is at-fault. My brother in-law manages a Honda/Acura body shop and has been in the body repair business for 22 years. You wouldn't believe some of the stories he tells me about all the shady things some companies (or certain adjusters) do.
There are some insurers who are all smiles and rainbows to their customers, but they treat body shops and everyone else like dirt! A lot of them also treat third-party claimants (the not-at-fault drivers that their customers crash into or run over) like criminals and make every step of the claims process as painful as possible!!!
21st (and all Farmers companies) fits the description above, although they are not the WORST. There are two companies that vie for the title of WORST Auto Insurance Company in America! They also happen to be the two companies with the greatest market share in the country. Satan himself wouldn't work for either of them for ethical reasons!!! =)
Here's a link to the Top 25 Auto Insurers by market share in the U.S. and you can see the companies I'm referring to in the top two spots-
Needless to say, they are NOT "Like a good Neighbor" nor are you in "Good Hands" with either one! I have an intense hatred for the one in the top spot- (rhymes with Fate Harm)- based on my own hellish experiences when one of their customers caused an accident with me, my mom and several of my customers.
I could go on for hours and tell you just a fraction of my experiences with them, but I'll save some for my book that I'll never write about them.....
But I will share this- my step-dad had insurance with State Farm from the age of 16. Between the ages of 16 and 62, he had one Comp claim foir around $8000 in 1994 (car stolen) and a $2300 Hit-and-Run claim (Wal-mart parking lot) for $2100 in 2010. My mom has also been insured on his policy for the last 22 years. She has never had a claim or ticket and he has no tickets in over 7 years.
In August 2011, after they denied a hail damage roof claim (which they eventually paid in full, after I hired an independent appraiser to challenege them), my step-dad finally agreed to leave SF and let me insure them with a company that I trusted. They were paying $2641/year for auto insurance with SF and had varying levels of coverage from one car to the next. Auto-Owners Insurance Group covered them for $1426.95 and increased their liability limits from 100/300 to 500/500, increased their Uninsured Motorist form 25/50 to 250/500 (10x) and gave them $100 Comp and $500 Collision Deductibles. I saved them over $1200 per year and increased their coverage exponentially. Adding insult to injury, the new insurance company is consistently rated among the top THREE auto insurers for Claims satisfaction! =)
Sorry, I got off on a rant there, huh?
#5210 of 5324 Re: POP QUIZ [igozoomzoom]
Jan 31, 2013 (5:59 am)
Thanks for the great info...I feel really good about Metlife and the policy price went down even more once I faxed over our mature drivers course certificates. The new agent seems to be a very nice guy and he's even going to come over to inspect the cars himself without me shlepping over to see him...know that's customer service! The quotes I got from the big guys were outrageous and even my own man who has taken care of us for maybe 20 something years was of no help and quoted a price 1 and 1/2 times more for the same coverage. We got the new agents name from a co-worker of my wife who's very pleased with his service. I have to agree...great customer service!
I also like the idea that our rates are guaranteed for one year and we only have to do the whole bit once...just one less thing to take care of. And the ease & simplicity has been a real eye opener. And one last thing...you should write that book or relate some stories in here or the Chronic Car Buyers forum, think we'd all get a good laugh and possibly learn a thing or two about the insurance business!
#5211 of 5324 Re: POP QUIZ [igozoomzoom]
Jan 31, 2013 (12:43 pm)
That's the thing with these shysters. They are great until there is a claim. Thanks for the good info.
#5212 of 5324 Re: POP QUIZ [sandman_6472]
Feb 11, 2013 (6:52 pm)
My new agent came to the house earlier to inspect vehicles and have me sign paperwork. Locked in for a year at $1330 which is the best quote we got in South Florida. We've both taken the mature drivers class through AARP and have clean driving records. Drive econo cars so we're both very happy with our Metlife policy. The old one runs out on the 14th and this one starts on the 13th. The agent is very nice and helpful and will see if he can get us a good rate on our homeowners insurance...he thinks he can...yay!
#5213 of 5324 Re: POP QUIZ [steve_]
Feb 13, 2013 (5:58 pm)
Oh yeah, went up to $4 last year for passenger cars.
No extra charge if you want someone to drive you and your car across.
Now THAT is a job I could handle - driving cars across the Mackinac Bridge!
#5214 of 5324 Re: POP QUIZ [fezo]
Feb 14, 2013 (10:06 am)
I don't know about that...when I drove across the Delaware Memorial Bridge, it seemed like it was WAY above the river when you look to either side, and it just gives me the creeps...those extra long bridges just might paralyze me...