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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
36 (16.2%)
100k
54 (24.3%)
200k
14 (6.3%)
300k
64 (28.8%)
500k
31 (14%)
750k
1 (0.5%)
1m
14 (6.3%)
more than 1m
8 (3.6%)

Total Members Voted: 222

Author Topic: Car Insurance Master Thread  (Read 198206 times)

Offline RJ898

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Re: Auto Insurance
« Reply #120 on: July 10, 2012, 02:21:18 PM »
Brooklyn has accidents through the roof so the insurance companies hate it. I can always say I live upstate. Who would let an insurance company come into their house?!
Part of the vast right wing conspiracy.

Offline RJ898

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Re: Auto Insurance
« Reply #121 on: July 10, 2012, 02:22:49 PM »
Insurance goes by where the car is parked most of the year. Assume you're suing the insurance company for $250,000, do you really think you'll get it like that?
How would they know where the car is parked most of the year? Also, it's a Honda accord, how is that costing 250k?
Part of the vast right wing conspiracy.

Offline KidOOO

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Re: Auto Insurance
« Reply #122 on: July 10, 2012, 02:45:30 PM »
How would they know where the car is parked most of the year? Also, it's a Honda accord, how is that costing 250k?

maybe if you happened do drive into a lambo (:

Offline Dan

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Re: Auto Insurance
« Reply #123 on: July 10, 2012, 02:47:26 PM »
Or if you injure someone or worse...better believe they have investigators for that before paying out $250K!
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Offline jj1000

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Re: Auto Insurance
« Reply #124 on: July 10, 2012, 02:50:10 PM »
How would they know where the car is parked most of the year? Also, it's a Honda accord, how is that costing 250k?
They will interview your neighbors, check security cameras in your neighborhood, stake out your house etc... They will find out. Really not that hard. As for 250K what if you injure someone? It's really dumb to play with insurance companies if you ch"v injure someone or worse with out insurance you could be spending the rest of your life in debt or jail. Bli ayin hara I'm just saying in general this is what I was taught.

I have an uncle who was a doctor and was injured and couldn't work anymore. His insurance company brought him to court andaccused him if lying one of the proofs they brought is that they saw him sweeping his house with a broom when his hand where suppose to be out of commission.
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Offline AJK

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Re: Auto Insurance
« Reply #125 on: July 10, 2012, 05:16:25 PM »
I think its whats called the grey area

No, its called insurance fraud, and yes they'll deny you quicker than you say "but...", and yes, you can go to jail for it.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

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Re: Auto Insurance
« Reply #126 on: July 10, 2012, 05:38:05 PM »
No, its called insurance fraud, and yes they'll deny you quicker than you say "but...", and yes, you can go to jail for it.

Don't be so sure

There is no fraud in parents letting their kids drive their car even if they live 1000 miles away

Offline AJK

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Re: Auto Insurance
« Reply #127 on: July 10, 2012, 05:39:13 PM »
Don't be so sure

There is no fraud in parents letting their kids drive their car even if they live 1000 miles away

With all due respect, you don't have a clue what you're talking about.
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Offline KidOOO

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Re: Auto Insurance
« Reply #128 on: July 10, 2012, 05:41:24 PM »
With all due respect, you don't have a clue what you're talking about.

you tell me. is that fraud yes/no?

no respect needed


Offline AJK

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Re: Auto Insurance
« Reply #129 on: July 10, 2012, 05:43:00 PM »
you tell me. is that fraud yes/no?

no respect needed

Tell me the scenario.

Your choice.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline KidOOO

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Re: Auto Insurance
« Reply #130 on: July 10, 2012, 05:46:31 PM »
Tell me the scenario.


My point exactly.

you can't deem something general like driving a car registered to your parents as fraud

its a big grey area and deepens on the exact scenario

Offline AJK

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Re: Auto Insurance
« Reply #131 on: July 10, 2012, 05:50:49 PM »
 ::)

Nice try.

The original post was:

I'm registered upstate (where my wife's family lives) [and implicitly where OP does NOT] and my 2012 accord premium is $130 a month (Geico/Includes roadside assistance).

You're response (to if that was a risk and borderline insurance fraud) was:

I think its whats called the grey area

That's insurance fraud, period. (Not to mention you'll be up a creek with regard to coverage.)

Nothing general about it.
2015: 116K bkd | 1.6M brnd | F: OZ,NH,AA,EK | J: UA,CA,TK,DL,TN,AF,VA | LIH,NRT,ROR,PEK,CNS,BOB,MEL,TLV & Pacific Hopper

Offline outinstyle

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Re: Auto Insurance
« Reply #132 on: July 10, 2012, 05:52:31 PM »
Before they pay any large claim (which will occur in most accidents) they WILL investigate. If the car is registered upstate & the licensed driver lives in Brooklyn....good luck!

Offline KidOOO

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Re: Auto Insurance
« Reply #133 on: July 10, 2012, 05:53:37 PM »
::)

Nice try.

The original post was:

You're response (to if that was a risk and borderline insurance fraud) was:

That's insurance fraud, period.

Nothing general about it.

what i understood was the car is registered to his wife's family, which means he is driving his father in laws car.

how is that fraud

Offline AJK

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Re: Auto Insurance
« Reply #134 on: July 10, 2012, 05:56:50 PM »
what i understood was the car is registered to his wife's family, which means he is driving his father in laws car.

how is that fraud

Therein lies the issue - your "understanding."

I'm registered upstate (where my wife's family lives) and my 2012 accord premium is $130 a month (Geico/Includes roadside assistance).

Not his father-in-law, him.

Furthermore, even in the event it IS his FIL's car, that possibility is legally irrelevant.
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Offline KidOOO

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Re: Auto Insurance
« Reply #135 on: July 10, 2012, 06:03:12 PM »
Therein lies the issue - your "understanding."

Not his father-in-law, him.

Furthermore, even in the event it IS his FIL's car, that possibility is legally irrelevant.

It does seem i miss understood him,

However - I still stand by my opinion that you cannot deem it as fraud based on the that info,

you can say ' it may be fraud' or 'careful little fellow, that looks like fraud'

but you cannot be certain of this being fraud unless you know there was actually fraud involved

 

Offline AJK

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Re: Auto Insurance
« Reply #136 on: July 10, 2012, 06:04:10 PM »
It does seem i miss understood him,

However - I still stand by my opinion that you cannot deem it as fraud based on the that info,

you can say ' it may be fraud' or 'careful little fellow, that looks like fraud'

but you cannot be certain of this being fraud unless you know there was actually fraud involved

 ::)

The only thing that makes sense in the above post is bolded.
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Offline gozalim

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Re: Auto Insurance
« Reply #137 on: July 10, 2012, 06:08:07 PM »
It does seem i miss understood him,

However - I still stand by my opinion that you cannot deem it as fraud based on the that info,

you can say ' it may be fraud' or 'careful little fellow, that looks like fraud'

but you cannot be certain of this being fraud unless you know there was actually fraud involved

 
what matters is not your definition of fraud, but rather the insurance company/judge's definition. you can do that, you might be ethically right, but if the insurance company can prove that it is parked in brooklyn more often than upstate, you can yell and scream all you want, they won't pay the claim

Offline KidOOO

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Re: Auto Insurance
« Reply #138 on: July 10, 2012, 06:10:18 PM »
what matters is not your definition of fraud, but rather the insurance company/judge's definition. you can do that, you might be ethically right, but if the insurance company can prove that it is parked in brooklyn more often than upstate, you can yell and scream all you want, they won't pay the claim

I'm glad you are so sure about that

And that still wont make it fraud, our world is full of insurance companies who try to avoid paying off claims even when no fraud was commited

Offline AJK

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Re: Auto Insurance
« Reply #139 on: July 10, 2012, 06:16:24 PM »
How's the weather in this little world you've created for yourself? How are taxes? We know how the insurance is.
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