Author Topic: Car Insurance Master Thread (Read 400825 times)

RJ898 · « **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?!

RJ898 · « **Reply #121 on:** July 10, 2012, 02:22:49 PM »

Quote from: PlatinumGuy on July 10, 2012, 01:39:27 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?

KidOOO · « **Reply #122 on:** July 10, 2012, 02:45:30 PM »

Quote from: RJ898 on July 10, 2012, 02:22:49 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 (:

Dan · « **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!

jj1000 · « **Reply #124 on:** July 10, 2012, 02:50:10 PM »

Quote from: RJ898 on July 10, 2012, 02:22:49 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.

AJK · « **Reply #125 on:** July 10, 2012, 05:16:25 PM »

Quote from: KidOOO on July 10, 2012, 11:20:22 AM

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.

KidOOO · « **Reply #126 on:** July 10, 2012, 05:38:05 PM »

Quote from: AJK on July 10, 2012, 05:16:25 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

AJK · « **Reply #127 on:** July 10, 2012, 05:39:13 PM »

Quote from: KidOOO on July 10, 2012, 05:38:05 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.

KidOOO · « **Reply #128 on:** July 10, 2012, 05:41:24 PM »

Quote from: AJK on July 10, 2012, 05:39:13 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

AJK · « **Reply #129 on:** July 10, 2012, 05:43:00 PM »

Quote from: KidOOO on July 10, 2012, 05:41:24 PM

you tell me. is that fraud yes/no?

no respect needed

Tell me the scenario.

Your choice.

KidOOO · « **Reply #130 on:** July 10, 2012, 05:46:31 PM »

Quote from: AJK on July 10, 2012, 05:43:00 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

AJK · « **Reply #131 on:** July 10, 2012, 05:50:49 PM »

Nice try.

The original post was:

Quote from: RJ898 on July 10, 2012, 10:20:48 AM

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:

Quote from: KidOOO on July 10, 2012, 11:20:22 AM

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.

outinstyle · « **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!

KidOOO · « **Reply #133 on:** July 10, 2012, 05:53:37 PM »

Quote from: AJK on July 10, 2012, 05:50:49 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

AJK · « **Reply #134 on:** July 10, 2012, 05:56:50 PM »

Quote from: KidOOO on July 10, 2012, 05:53:37 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."

Quote from: RJ898 on July 10, 2012, 10:20:48 AM

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.

KidOOO · « **Reply #135 on:** July 10, 2012, 06:03:12 PM »

Quote from: AJK on July 10, 2012, 05:56:50 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

AJK · « **Reply #136 on:** July 10, 2012, 06:04:10 PM »

Quote from: KidOOO on July 10, 2012, 06:03:12 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.

gozalim · « **Reply #137 on:** July 10, 2012, 06:08:07 PM »

Quote from: KidOOO on July 10, 2012, 06:03:12 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

KidOOO · « **Reply #138 on:** July 10, 2012, 06:10:18 PM »

Quote from: gozalim on July 10, 2012, 06:08:07 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

AJK · « **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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Author Topic: Car Insurance Master Thread (Read 400825 times)