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Postby Madison » Wed Jul 13, 2005 1:38 am

Wow, what a thread. :-D

As to auto insurance, I've always gone with who's the cheapest. It's always worked well for me too. Had a wreck when I was a kid (16) and the claim through All-State took forever and a day, even though my father had that policy for over 20 years. When I turned 18 and got out on my own, I just grabbed the cheapest I could find.

Most of the time it was a name company that I knew, but one time I wound up with Old American County Mutual. Who 8-o ? The agent I was using assured me they were a solid and well known company that wasn't going anywhere, and that they used to insure fishing boats way back in the day. Well, I put them to the test. Had a wreck 6 weeks after signing up with them. Accident happened on July 2nd which was a Saturday that year. Monday was the 4th of July, so I had to wait to contact a live person on Tuesday the 5th. I had a check for over $5K that afternoon. I was very pleased.

Anyway, I'm with Geico now, but I've really never had any issues with my insurance companies other than them increasing rates for stupid reasons that I had nothing to do with. I had one company (Progressive I believe) told me my rates went up due to flooding in Houston. I'm in Ft. Worth! Houston is 4 hours away and what the heck does flooding have to do with my car insurance? 8-o I understand they were trying to get back their losses on the homeowner's insurance, but there's no way I was going to pay jacked up car insurance payments for them to do it, and I didn't feel like I should, so I dumped them and moved on. :-°

Anyway, I shop around anytime my insurance company decides to increase rates. Just got my new policy from Geico and am happy to say that they actually went down $5 per month, so I'll be sticking with them for another 6 months. B-)
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Sick of those who feel self-entitled.
Sick of those who are hypocrites.
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Yes doctor, there will be blood.....
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Postby Lofunzo » Wed Jul 13, 2005 2:27 am

I actually called GEICO because I have some expensive stereo equipment to add to my policy. The girl tells me that it will increase my policy by a large amount. After some investigation, it didn't go up at all. They just added a 0 at the end of the value of the CD changer. :-°
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Postby prodpaul » Wed Jul 13, 2005 6:26 am

Sorry Shock had to post this:
Real insurance claim excuses:

PARIS (AFP) - "I sprained my wrist while putting sugar on the strawberries."


"I am a little hard of hearing so you can understand why I didn't see the
cyclist."


Herewith a list of some of the best insurance claims compiled by the
Insurance Information and Statistics Center (CDIA) in Paris.


-- "I admit I went through the intersection without looking to see if anyone
was crossing, but I had gone through the same intersection less than an hour
before and no one was there."


-- "I am planning to lend my car to someone who doesn't know how to drive,
but beforehand can you please confirm that you'll pay for the damage he is
likely to cause?"


-- "You are telling me that according to the civil code I am responsible for
my children's action. If that's true, the people who wrote that must not
have, like me, nine children to watch over."


-- "In place of the intersection they built a roundabout with priority for
those coming from the left. Now I didn't expect that change and I lost
control of my car."


-- "While going forward I smashed the rear light of the car in front of me.
So I backed up, and in doing so smashed the bumper of the car behind me.
That's when I stepped out of the car, but in doing so I knocked down a
bicyclist with my door. That's all I have to declare for today."


-- "I rammed into a parked car and made sure not to tell the owner that I
was responsible. I hope you are satisfied with me and will award me
additional bonus points on my insurance."


-- "I smashed into a glass door during an 'open house' at the company."


-- "I had a work-related accident while dozing off under an apple tree."


-- "You know my cab has been turned into a hearse and now I only transport
dead people. So since my passengers are not at risk, do you think it's
reasonable to make me pay an additional insurance bonus in case they are
involved in an accident?"


-- "The accident happened while I was changing girls."


-- "While pushing back a dog on a leash, its owner bit me."


-- "I read in my contract that you wouldn't reimburse me any repairs on my
car for damage caused by my driving drunk. I am willing to pay you what it
takes to get rid of that clause."


-- "You informed me that there is no such thing as theft between spouses.
You obviously don't know my wife."


-- "I am stunned that you refuse to pay for this accident on grounds that I
wasn't wearing my glasses. I swear the accident wasn't my fault. I simply
didn't see the bicyclist when I ran him over."


-- "The cyclist kept zigzagging, going right and then left before I could
pin him down."


-- "Since her accident, my wife is even worse than before. I hope you will
take that into account."


-- "They determined that I had a 2.10 blood alcohol level and plan to
convict me. You'll admit that considering the six to eight litres of blood
in our bodies, that wasn't much."
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Postby Lofunzo » Wed Jul 13, 2005 9:41 am

Shock.......I see that you changed the title of this thread but I believe that it will be very helpful. I have found that people have no idea what's on their insurance policies. This might help a bit. ;-D

Tip #1.......Never purchase insurance when renting a car. Just use your auto insurance if you have collision coverage. ;-D
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Postby SHOCKandAWE » Wed Jul 13, 2005 6:38 pm

Good point. I will change the title again
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Postby Lofunzo » Wed Jul 13, 2005 9:50 pm

SHOCKandAWE wrote:Good point. I will change the title again


Hope you're not upset by it. I really hope that people continue to respond to the survey although it seems that you have a sample that says that State Farm is still going strong. Either way, understanding insurance policies are pretty much everyone's weak spot. :-°
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Postby SHOCKandAWE » Wed Jul 13, 2005 10:02 pm

No...I think I got a pretty good sample.

I agree. It is amazing how many people don't understand insurance.

Heck we can be a good combo.

I can handle the underwriting and policy side and you handle the claims side.
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Postby Lofunzo » Wed Jul 13, 2005 10:10 pm

SHOCKandAWE wrote:No...I think I got a pretty good sample.

I agree. It is amazing how many people don't understand insurance.

Heck we can be a good combo.

I can handle the underwriting and policy side and you handle the claims side.


:-° Good because some of that policy stuff confuses me. If you ever have time to discuss tort laws, I'm game. Verbal threshold, etc. would be nice as well. ;-D
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Postby SHOCKandAWE » Wed Jul 13, 2005 10:13 pm

Lofunzo wrote:
SHOCKandAWE wrote:No...I think I got a pretty good sample.

I agree. It is amazing how many people don't understand insurance.

Heck we can be a good combo.

I can handle the underwriting and policy side and you handle the claims side.


:-° Good because some of that policy stuff confuses me. If you ever have time to discuss tort laws, I'm game. Verbal threshold, etc. would be nice as well. ;-D


The Tort laws I know very well. Be more specific with Verbal threshold :-?
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Postby Lofunzo » Wed Jul 13, 2005 11:34 pm

SHOCKandAWE wrote:
Lofunzo wrote:
SHOCKandAWE wrote:No...I think I got a pretty good sample.

I agree. It is amazing how many people don't understand insurance.

Heck we can be a good combo.

I can handle the underwriting and policy side and you handle the claims side.


:-° Good because some of that policy stuff confuses me. If you ever have time to discuss tort laws, I'm game. Verbal threshold, etc. would be nice as well. ;-D


The Tort laws I know very well. Be more specific with Verbal threshold :-?


Actually, let's simplify it a bit. Doesn't the verbal threshold refer to the lawsuit options?? If so, that's a good starting point.
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