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When signing up for auto insurance, make sure you know what coverage you're getting, and what your deductibles are.

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How much liability insurance do you think is prudent?

Statutory minimum
41 (16%)
100k
61 (23.7%)
200k
18 (7%)
300k
72 (28%)
500k
37 (14.4%)
750k
2 (0.8%)
1m
16 (6.2%)
more than 1m
10 (3.9%)

Total Members Voted: 257

Author Topic: Car Insurance Master Thread  (Read 321703 times)

Offline atsdump

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Re: Car Insurance Master Thread
« Reply #940 on: May 10, 2017, 01:43:16 AM »
Been to and accident where I was going straight and somebody was trying to take left turn from opposite and had T-bone accident in Arizona. He gave recorded statement to the insurance that I was passing at Red signal to cover up his fault. 

Any advice on how to make counter argument on this (and if anyone aware around Arizona traffic laws in such situation)?

Also I understood that from my total car loss, it increase overall region premium instead of my own insurance premium (if they prove I am at fault for some reason on their false claim of Red signal) as that car account is closed. Is that true?

Offline YSP

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Re: Car Insurance Master Thread
« Reply #941 on: May 10, 2017, 02:05:15 PM »
I have tickets and piints on my name but wife has nothing. If I put a new car on her name and me as another driver will it be cheaper then if I am the primary?
makes no difference

Offline Jkhein

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Re: Car Insurance Master Thread
« Reply #942 on: May 12, 2017, 12:54:38 AM »
makes no difference
how about if I just make my wifes name on the policy but I live in the household?

Online Lou Bob

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Re: Car Insurance Master Thread
« Reply #943 on: May 12, 2017, 01:07:38 AM »
how about if I just make my wifes name on the policy but I live in the household?
doesn't work like that
Always use an Amex, you'll thank me one day.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #944 on: May 12, 2017, 12:09:49 PM »

Online zevi

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Re: Car Insurance Master Thread
« Reply #945 on: June 08, 2017, 12:02:31 AM »
Anyone dealt with Liberty Mutual for a mechanical claim ?

Online cholent

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Re: Car Insurance Master Thread
« Reply #946 on: June 13, 2017, 10:38:37 AM »
I rear ended somebody last week, now trying to figure out if there is a difference in how much my rates will rise depending on whether I pay for my damages out of pocket - the other person is going to file a claim with insurance regardless. Getting very mixed messages online, anyone have any idea how it works?
Don't ask stupid questions and you won't get stupid answers

Offline YSP

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Re: Car Insurance Master Thread
« Reply #947 on: June 13, 2017, 10:40:54 AM »
I rear ended somebody last week, now trying to figure out if there is a difference in how much my rates will rise depending on whether I pay for my damages out of pocket - the other person is going to file a claim with insurance regardless. Getting very mixed messages online, anyone have any idea how it works?
If they're filing a claim then it won't make a difference whether you fix up your car or not. You might as well. it will be subject to your deductible though

Online cholent

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Re: Car Insurance Master Thread
« Reply #948 on: June 13, 2017, 10:46:43 AM »
If they're filing a claim then it won't make a difference whether you fix up your car or not. You might as well. it will be subject to your deductible though

Thanks, appreciate the response
Don't ask stupid questions and you won't get stupid answers

Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #949 on: June 22, 2017, 09:46:38 PM »
I'm looking into buying a new car, and called up for estimates on insurance. Aside from the model and year, they did not calculate using mileage. Does that mean that mileage is not a factor? Or are they only able to factor that in using the VIN? (Seems strange that a 2015 with 20k and one with 60k would have same rate.)
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline Sport

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Re: Car Insurance Master Thread
« Reply #950 on: June 23, 2017, 08:16:55 AM »
If they're filing a claim then it won't make a difference whether you fix up your car or not. You might as well. it will be subject to your deductible though
The cost of the claim to the insurance company is not relevant?a

Offline Sport

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Re: Car Insurance Master Thread
« Reply #951 on: June 23, 2017, 08:18:57 AM »
I know theres no hard rule but are there any basic guidelines for when its better to pay out of pocket than to initiate a claim?

Offline YSP

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Re: Car Insurance Master Thread
« Reply #952 on: June 28, 2017, 04:05:51 PM »
I know theres no hard rule but are there any basic guidelines for when its better to pay out of pocket than to initiate a claim?

A Comp claim won't affect your rates. Collision will. It depends on prior claims as well. Get an estimate and keep in mind you have to pay a deductible but on the flip side you'll need to rent a car during the interim so make sure you take all those factors into account.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #953 on: June 28, 2017, 04:06:29 PM »
The cost of the claim to the insurance company is not relevant?a

Not in regards to how it affects your rate. No

Offline Sport

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Re: Car Insurance Master Thread
« Reply #954 on: June 28, 2017, 06:35:54 PM »
A Comp claim won't affect your rates. Collision will. It depends on prior claims as well. Get an estimate and keep in mind you have to pay a deductible but on the flip side you'll need to rent a car during the interim so make sure you take all those factors into account.
I didnt make the collision claim because it was only cosmetic and would cost 200 more than my deductible. But the estimate on the other guys car was 1200, your telling me that will have no affect on my premiums?
Not in regards to how it affects your rate. No
Wow, interesting.

Offline skyguy918

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Re: Car Insurance Master Thread
« Reply #955 on: June 29, 2017, 10:45:47 AM »
I didnt make the collision claim because it was only cosmetic and would cost 200 more than my deductible. But the estimate on the other guys car was 1200, your telling me that will have no affect on my premiums?Wow, interesting.
You paying for the other guy's repair? That's liability, not collision or comprehensive. That will definitely make your rates go up.

Offline Sport

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Re: Car Insurance Master Thread
« Reply #956 on: June 29, 2017, 10:49:04 AM »
You paying for the other guy's repair? That's liability, not collision or comprehensive. That will definitely make your rates go up.
That makes sense, I wasn't following the terms used.

Offline Let3

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Re: Car Insurance Master Thread
« Reply #957 on: June 29, 2017, 05:06:39 PM »
Going for a first lease - Anyone know what cars insurance are more btwn hona hrv, Nissan rouge, Toyota rav 4 etc?
Where a good place to check this out?
And what's a good company for insurance in general?

Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #958 on: July 06, 2017, 04:15:15 AM »
Anyone know about Jersey Cares coverage for PIP? Can I make Geico secondary?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline aro123

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Re: Car Insurance Master Thread
« Reply #959 on: July 06, 2017, 09:10:58 AM »
Anyone know about Jersey Cares coverage for PIP? Can I make Geico secondary?
LRRC says you must buy primary