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WTH; car insurance rant .................

rambo rebelrambo rebel Member Posts: 4,028
edited May 2017 in General Discussion
just got my renewal bill and it was $200 more for NAR. so I call and it went up because the wife was rear ended back in Dec. - 100% the other guys fault. BUT since she was INVOLVED in the accident OUR rates go up.

guy on the phone says that's just the way it is.

is this the same across all states?

we left allstate BACAUSE they were $200 more every 6 months so I just they were just charging us "up front" for their "accident forgiveness" program.

do the right thing - you're screwed.

what's the point of having the insurance in the first place if you are penalized when an accident is not your fault?

why couldn't you opt out of car insurance if you have 100k in a retirement plan that you could use to pay for an accident if it's your fault? most insurance co. don't pay out more than that on any accident.

this is just nucking futs.

rant off - going to get the petroleum jelly
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Comments

  • Ditch-RunnerDitch-Runner Member Posts: 25,378 ✭✭✭✭
    edited November -1
    insurance company's are a money making operation there not going to loose no matter what
    100,000 may seem like a good fund but think a new truck about or sports car $80,000 +or a semi with a million dollar + load you could be liable for not counting the hospital bill likely a 100k just to open the door and then comes the personal injury .

    yes they insurance company's have us by the gonads [:(!][:(!]

    but I agree your rates should never go up over some one else's fault

    .
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  • MercuryMercury Member Posts: 7,842 ✭✭✭
    edited November -1
    Call the agent back, tell him you WILL LEAVE if he doesn't drop it down to the previous rate. HE CAN DO IT. And will, most of the time. Screw'em!

    Merc
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  • BrookwoodBrookwood Member, Moderator Posts: 13,768 ******
    edited November -1
    Before threatening to leave, just get some quotes from other companies.

    It may be time for a change.

    Back in the good ole days I felt a loyalty to a company that treated me fairly and stayed with them for decades.

    These days, all we are is a bunch of numbers and statistics!
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  • steve45steve45 Member Posts: 2,940 ✭✭✭
    edited November -1
    I did this, told my agent that if my insurance went up one penny I was gone and all my other insurance policy's (home, boat etc.) with me. Its been two years and its still the same.quote:Originally posted by Mercury
    Call the agent back, tell him you WILL LEAVE if he doesn't drop it down to the previous rate. HE CAN DO IT. And will, most of the time. Screw'em!

    Merc
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  • wpageabcwpageabc Member Posts: 8,760 ✭✭
    edited November -1
    Leaving usualy gets the best quote
    "What is truth?'
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  • mag00mag00 Member Posts: 4,719 ✭✭
    edited November -1
    Yep, just deposit the money with the state. Financial responsibility law, not you have to have insurance law.

    If your coverage is minimum, they will only pay that much and you are on the hook for the rest anyway. The difference is the insurance is basically a lawyer on retainer.

    You could take your insurance and perp who hit you to court, jointly and severally for the rate hike. That will get their attention.

    You didn't mention if you were in a "No Fault" state.
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  • mogley98mogley98 Member Posts: 18,291 ✭✭✭✭
    edited November -1
    I left Liberty Mutual and they called and asked if I would stay for the same rate. I said of course not I already left and they gave me a better rate at Progressive. He then offered me over 200 a year less then Progressive. I hated to stay since they were turds that raised me in the first place but 2 bills is 2 bills.

    Leave em
    Why don't we go to school and work on the weekends and take the week off!
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  • nmyersnmyers Member Posts: 16,892 ✭✭✭✭
    edited November -1
    You have no leverage when dealing with an insurance company. I was screwed by most of the "name" companies. Then I switched to an independent agent, & haven't looked back. I'm probably paying a higher premium, but the insurance company always takes care of me. My agent has several thousand customers; if the insurance company treats his customers poorly, he just moves all of them to another company. THAT is leverage.

    Neal

    "You get what you pay for, sometimes less."
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  • yoshmysteryoshmyster Member Posts: 22,072 ✭✭✭✭
    edited November -1
    My car insurance company's been getting fat since 1994 or maybe 1996 the last time I was at fault. Yes this Japo can drive since I can see over the steering wheel [:D].
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  • Sig220_Ruger77Sig220_Ruger77 Member Posts: 12,754 ✭✭✭
    edited November -1
    Who's insurance was the claim entered through? If yours, the rates will go up....if the other party that was at fault, there is absolutely zero reason your rates should go up.

    Jon
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