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Which Insurance Broker would you recommend:

Nationwide- Yehuda Spero
443-845-9552
speroy@nationwide.com



Insurance Depot
718-921-2300
Info@insdepot.com
Recommend by -Z56


Trumper Insurance
845-356-1899

Recommend by -Yammer
« Last edited by YSP on March 06, 2019, 03:07:10 PM »

Poll

How much liability insurance do you think is prudent?

Statutory minimum
32 (16.5%)
100k
47 (24.2%)
200k
10 (5.2%)
300k
57 (29.4%)
500k
26 (13.4%)
750k
1 (0.5%)
1m
14 (7.2%)
more than 1m
7 (3.6%)

Total Members Voted: 194

Author Topic: Car Insurance Master Thread  (Read 146509 times)

Offline yesitsme

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Re: Car Insurance Master Thread
« Reply #1065 on: December 29, 2018, 11:10:43 PM »
check with ur insurance, should cover it. Geico is fixing mine thru Safe Lite
Thanks again, safe lite is a company that installes/repairs windshields, safelite is available to more than 97% of U.S. drivers and all 50 states. they have brick and mortar branches and mobile divisions that go around, Geico didn't charge a deductible, and safelite repair has a lifetime warranty

Quote
We guarantee that the repaired portion of the windshield will not crack further and that the repair will pass any state vehicle inspection, or we will credit the cost of repair toward replacement.
Geico also covers Free installation for new wipers @ safelite should you need new ones bought you need to purchase the wipers $25-$35

Interesting Read



« Last Edit: December 29, 2018, 11:40:12 PM by yesitsme »

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1066 on: December 31, 2018, 10:44:19 AM »
Is accident forgiveness per driver on the policy or once on the policy regardless of who is driving.
Per Policy

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1067 on: December 31, 2018, 10:47:50 AM »
u have a source?
Experience. I'm an agent

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Re: Car Insurance Master Thread
« Reply #1068 on: April 16, 2019, 06:48:55 PM »
I'm a little confused if this is a good insurance quote and if this passes the legal requirements for NJ. I don't really care about my car so I don't need any extra coverage for it. Which items should I not scrimp on?

Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)

Not only medical expenses
Medical expense limit : $15k/ $2,500 deductible

No comprehensive or collision


Jack of all trades, master of none.

Offline Shlomo1

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Re: Car Insurance Master Thread
« Reply #1069 on: April 16, 2019, 08:06:36 PM »
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you

Offline Pad18

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Re: Car Insurance Master Thread
« Reply #1070 on: April 16, 2019, 10:48:24 PM »
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you

No, they are right. It exists such a thing. (Silly at my opinion, but it don't count)

Your best bet will be to call back your old insurance company and convince them to assure the new vehicle without counting the lapse. It could a little hard, but it's doable. Good luck.

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Re: Car Insurance Master Thread
« Reply #1071 on: April 18, 2019, 12:00:42 AM »
Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)
I called up UHC (Jersey care) an Indian answered the phone and told me that they don't cover injuries due to collisions (That makes absolutely no sense whatsoever but what should I do.) . Since I remember reading that during the quote I'll trust him.

Next question is how much liability should I get? Do people really do more than $50k worth of damage in any accident?
Jack of all trades, master of none.

Offline nescafe

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Re: Car Insurance Master Thread
« Reply #1072 on: April 18, 2019, 01:53:11 PM »
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you
Had same story last week. If there is a lapse of more than 30 days, you're considered a new driver

Offline Naftuli19

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Re: Car Insurance Master Thread
« Reply #1073 on: April 18, 2019, 04:57:08 PM »
Mine jumped quite a bit for adding 2 18 year old daughters, I was told for girls is cheaper than for boys, and I added them as occasional drivers which made it a little cheaper, shop around to see if you can get better rates.
its the Twins that makes it expensive ;D ;D
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Offline Lou Bob

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Re: Car Insurance Master Thread
« Reply #1074 on: April 18, 2019, 05:30:07 PM »
I'm a little confused if this is a good insurance quote and if this passes the legal requirements for NJ. I don't really care about my car so I don't need any extra coverage for it. Which items should I not scrimp on?

Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)

Not only medical expenses
Medical expense limit : $15k/ $2,500 deductible

No comprehensive or collision



Horrible policy.
Always use an Amex, you'll thank me one day.

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Re: Car Insurance Master Thread
« Reply #1075 on: April 18, 2019, 05:41:28 PM »
Horrible policy.
Policy or price?
This is the first time I'm getting car insurance. I was never on any plans.
I ended up getting this



100/300k
250k medical
Comprehensive

$88/month
Jack of all trades, master of none.

Offline Shlomo1

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Re: Car Insurance Master Thread
« Reply #1076 on: April 24, 2019, 04:19:14 PM »
Had same story last week. If there is a lapse of more than 30 days, you're considered a new driver
Yes so I've learned. Personally, I think its crazy. I dont think most are aware of this. Know of a solution?

Offline yos9694

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Re: Car Insurance Master Thread
« Reply #1077 on: April 24, 2019, 04:53:04 PM »
I've had insurance for the last 13 years or so. Recently, my lease finished about a month or 2 ago and i therefore canceled my Insurance being that i didn't have a vehicle to insure. Now when I try getting a new Insurance plan, They're saying there was a lapse and that in NYS all Insurances want you to have continuous Insurance. As a result, my premium is way higher. Has anyone heard this before? This is something totally new to me. I've heard before a lapse but I thought thats only when you have a vehicle in your name without Ins. Thank you

You had a license, so you were a driver the entire time. Policy coverage is for the driver, vehicle coverage is for a vehicle. Policy coverage is for damage you do as a driver regardless of whose vehicle (e.g. rental, friend's, etc), and you allowed that to lapse.

Offline yos9694

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Re: Car Insurance Master Thread
« Reply #1078 on: April 24, 2019, 05:04:49 PM »
I'm a little confused if this is a good insurance quote and if this passes the legal requirements for NJ. I don't really care about my car so I don't need any extra coverage for it. Which items should I not scrimp on?

Geico quote:
$358.80 ($65 per month) for 6 months

Limited tort (I have no idea what that means)
Bodily injury liability: $15,000/30,000
Property damage liability: $25,000
Uninsured and underinsured motorist : $15k/$30k
Uninsured and underinsured motorist property damage: $5k/$500 deductible

Medical payments (MED): $1,000

No additional PIP coverage

Health insurance as primary PIP
(BTW does Medicaid {Jersey care} count? They seem to have said it doesn't I'm not sure why)

Not only medical expenses
Medical expense limit : $15k/ $2,500 deductible

No comprehensive or collision

If you get this policy, you will become one of the Underinsured Motorists on the road who are the reason we buy that UM coverage. CH"V any accident occurs that's bigger than a fender bender and the costs will be over the policy limits. Which means that you are personally on the hook for the excess. You might not care about this. Also, if you are poor then it might not actually cost anything even in the worst case. But them's the facts at least.

Medical coverage for accidents is a little scary. If your health insurance policy excludes coverage of motor vehicle related medical needs, that means they will deny any medical bills that are in any way related to an injury from a vehicle. Health insurance companies are all-stars at denying claims, so there's no telling how broadly they will interpret their own exclusions. Your choices are either buy coverage from your car insurance provider or you're accepting the risk on yourself.

Limited tort is a thing NJ introduced a while back that means you agree not to sue excessively even if you have a valid claim (like for pain and suffering). If you don't agree to it (and choose unlimited tort) your premiums will be breathtakingly higher.

Offline yos9694

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Re: Car Insurance Master Thread
« Reply #1079 on: April 24, 2019, 05:11:06 PM »
Policy or price?
This is the first time I'm getting car insurance. I was never on any plans.
I ended up getting this



100/300k
250k medical
Comprehensive

$88/month

You probably went overkill on the property damage, but everything else is nice and reasonable. A bit surprising that you elected Comprehensive and Towing after saying you don't care about your car, but at ~$5/mo it's no big deal.