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Just me complaining

  • Artículo

You know what I love about car insurance?

It's the fact that the insurance company can charge me $400 for reporting a minor incident for which I didn't actually want them to pay out any money.

Anybody have good recommendations for car insurance companies that don't suck? Or are they all the same?

Comments

  • Anonymous
    June 09, 2004
    They are all the same.
  • Anonymous
    June 09, 2004
    So long as you report such a ding, they’ll find out, and they’ll all charge you more. Just like getting a speeding ticket, sure enough they don’t pay for it, but your rates still go up.

    Best way at times to avoid increased rates is to live in a state where “No Fault” means it, and/or where you can avoid reporting some dings so as to prevent your insurance from going up.

    Sadly here in South Dakota, if you have any kind of accident which results in more then 500 dollars in damage, you are required to report it and get a red tag which denotes that it was reported... it is illegal in the state to fix a vehicle with more then 500 dollars worth of damage with out such a tag.
  • Anonymous
    June 09, 2004
    The comment has been removed
  • Anonymous
    June 09, 2004
    It's a racket, for sure, but what's the alternative?
  • Anonymous
    June 09, 2004
    They are NOT all the same. Switch now. Make a few calls and you'll see very quickly how much variation there is.

    To whom did you report the accident? Is your driving record clean? In NC, points against your license and "insurance company points" are 2 different things. If your driving record is clean then other insurance companies will not charge the increased rate your current company is trying to charge you.

    I once had 2 insurance points added but the ticket ("failure to stop in order to prevent an accident") was dropped. No $ was paid to the other driver (no damage done) but the company told me they did pay. They gave me the adjuster's name and number, I contacted him and verified there was no payment nor damages, and the insurance company told me they would drop 1 of the 2 points. I told them no thanks and dropped them.
  • Anonymous
    June 09, 2004
    I use State Farm. I dented somebody's bumber and it was my fault, and I reported it. I paid the same rate the year after the accident that I did before it. Yay!
  • Anonymous
    June 09, 2004
    If you meet the (somewhat loose) eligibility requirements, USAA is actually very, very good. Low rates, good service, money back each year when they overcharge the group.
  • Anonymous
    June 09, 2004
    I use Pemco...but this in not an endorsement.
    The whole concept of "insurance history" bugs me also...
  • Anonymous
    June 18, 2004
    Go to State Farm - I've had a few snafus but they have always been very good.