Topic Wiki

Which Insurance Broker would you recommend:

5MinuteInsure.com
Moshe Fishman
Online Comparison and Purchasing Platform
Recommended by - Reb Moshe


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

Poll

How much liability insurance do you think is prudent?

Statutory minimum
37 (16.2%)
100k
56 (24.5%)
200k
14 (6.1%)
300k
65 (28.4%)
500k
33 (14.4%)
750k
1 (0.4%)
1m
15 (6.6%)
more than 1m
8 (3.5%)

Total Members Voted: 229

Author Topic: Car Insurance Master Thread  (Read 221788 times)

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1320 on: March 21, 2022, 03:22:12 PM »


 I know of a case where a son was not on his father's insurance and was driving his friends car and got in an accident, the victim came after the fathers insurance bc the son lived at home. In the end the fathers insurance didn't pay out bc the father owned a 2 family house and proved that his son lived in the other apt.
Your coverage will never extend to another car that you are driving unless it is rented to you or a driver on your policy. The father's insurance wouldn't have paid even if the father would have been driving . Med pay is different. That falls under PIP and PIP covers you in another car.

Offline neveryou

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Re: Car Insurance Master Thread
« Reply #1321 on: March 21, 2022, 03:40:47 PM »


Did the son have his own insurance policy? You should clarify. If the son had his own policy but the victim wanted a bite of the father's (richer) coverage, then props to the father for successfully defending himself.

If the son did not have his own policy, then the story sounds so close to fraud that you probably shouldn't say it out loud. Did the father really prefer that his son be an uninsured party in an accident involving injury/property damage? That would risk jail time/losing his license

The son didn't have his own policy, if he doesn't live at the household than the fathers insurance won't pay out but if he lives at the fathers household (same apt) than his father's insurance covers him but like I said earlier if something were to happen the insurance can and will decide non renew you. 

Online WonderingYid

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Re: Car Insurance Master Thread
« Reply #1322 on: March 22, 2022, 11:30:00 AM »
No, you got it wrong, allstate pays out.

 Whoever is telling you allstate doesn't pay is fake news. I've seen them pay on the spot for claims.

They wanted to know if the son lived at home with the father. The father didn't want allstate to pay out bc than his premium goes up so the father had to prove that the son doesn't live with him
They pay out if they have to.

If it's grey area like a son not on a father's plan, then good luck.

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #1323 on: May 05, 2022, 09:33:11 PM »
Is combining car insurance cheaper when getting married?

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1324 on: May 06, 2022, 10:36:18 AM »
Is combining car insurance cheaper when getting married?
Usually. There's a discount for being married and a multi car discount.

Offline aryeh1

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Re: Car Insurance Master Thread
« Reply #1325 on: May 08, 2022, 01:16:55 PM »
If having a joint policy, do we both need to complete the driver defense course or one of us enough to get the drivers discount?

And anyone know which one is good one?

Online avromie7

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Re: Car Insurance Master Thread
« Reply #1326 on: May 08, 2022, 04:31:28 PM »
If having a joint policy, do we both need to complete the driver defense course or one of us enough to get the drivers discount?

And anyone know which one is good one?
The primary driver on each car. It can be the same person.
I wonder what people who type "u" instead of "you" do with all their free time.

Online Realshlomo

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Re: Car Insurance Master Thread
« Reply #1327 on: June 16, 2022, 08:16:45 PM »
I tried 5minuteinsure that's listed in the wiki. -1

Anyone have a different legitimate website that shops for the best rate? Vs me inputting my info for the top 10 companies.

Online WonderingYid

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Re: Car Insurance Master Thread
« Reply #1328 on: June 16, 2022, 08:32:38 PM »
Anyone have a different legitimate website that shops for the best rate? Vs me inputting my info for the top 10 companies.
TBH don't think it exists. All these websites just redirect you.

Try all the big guys on their websites. State Farm, Geico, Progressive, etc.

Offline shmu

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Re: Car Insurance Master Thread
« Reply #1329 on: June 16, 2022, 08:50:13 PM »
I tried 5minuteinsure that's listed in the wiki. -1

Anyone have a different legitimate website that shops for the best rate? Vs me inputting my info for the top 10 companies.
I used Gabi after I was thrown off gieco because we had 2 fenders in a short period. We got a policy with safeco.
I'm no maven just my experience

Online Realshlomo

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Re: Car Insurance Master Thread
« Reply #1330 on: June 16, 2022, 09:46:18 PM »
TBH don't think it exists. All these websites just redirect you.

Try all the big guys on their websites. State Farm, Geico, Progressive, etc.
Was hoping it was invented. Guess that's what I'll do. Thanks.

Offline yos9694

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Re: Car Insurance Master Thread
« Reply #1331 on: June 17, 2022, 07:48:52 AM »
It was invented. 15-20 years ago there were sites that gave 3 or more quotes for entering your info once. Then it was ended. Probably because it made shopping around too easy for consumers