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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 146498 times)

Offline 12HRS

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Re: Car Insurance Master Thread
« Reply #1155 on: February 17, 2020, 08:50:54 PM »
why not? Also I already got an estimate from a shop. How do I ensure adjusters number will cover? Does he tell me on the spot of how much he will write?

because the geico affiliated shops are not on your side. I learned this lesson the hard way. in regards to adjuster you have the right to negotiate. if adjuster comes back with a lower number, send your shops quote. is your insurance through geico?

Offline Luvisrael

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Re: Car Insurance Master Thread
« Reply #1156 on: February 17, 2020, 08:53:09 PM »
because the geico affiliated shops are not on your side. I learned this lesson the hard way. in regards to adjuster you have the right to negotiate. if adjuster comes back with a lower number, send your shops quote. is your insurance through geico?
My insurance is not Geico but mine is not involved in this

Offline Luvisrael

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Re: Car Insurance Master Thread
« Reply #1157 on: February 17, 2020, 10:34:16 PM »
Anyone have experience filing a diminished value claim?

Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #1158 on: May 07, 2020, 03:52:03 PM »
My car was damaged while parked most likely by falling tree branches. Will such a claim affect my rates with Geico?
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline YSP

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Re: Car Insurance Master Thread
« Reply #1159 on: May 07, 2020, 10:11:08 PM »
My car was damaged while parked most likely by falling tree branches. Will such a claim affect my rates with Geico?
It's considered a comprehensive claim and should not affect your rates

Offline Luvisrael

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Re: Car Insurance Master Thread
« Reply #1160 on: May 07, 2020, 10:32:49 PM »
It's considered a comprehensive claim and should not affect your rates
Be wary of any claims on your record. If you can live without it better not to. 

Offline Thingywingy

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Re: Car Insurance Master Thread
« Reply #1161 on: May 07, 2020, 11:10:31 PM »
It's considered a comprehensive claim and should not affect your rates
Be wary of any claims on your record. If you can live without it better not to.
Thank you both for responding. Can either of you elaborate or provide a source?

This Forbes article says that there are "chargeable" and "non-chargeable" accidents and seems to say that, insurance companies are not legally allowed to raise rates for "non-chargeable" accidents. I am having trouble finding the criteria used in New Jersey for these classifications. 
« Last Edit: May 07, 2020, 11:21:06 PM by Thingywingy »
I am sometimes accused of overthinking things. I am still mulling over whether that accusation has merit.

Offline Definitions

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Re: Car Insurance Master Thread
« Reply #1162 on: May 08, 2020, 12:48:50 AM »
Thank you both for responding. Can either of you elaborate or provide a source?

This Forbes article says that there are "chargeable" and "non-chargeable" accidents and seems to say that, insurance companies are not legally allowed to raise rates for "non-chargeable" accidents. I am having trouble finding the criteria used in New Jersey for these classifications.
I remember reading someplace that sometimes they don't charge more they just take away a discount you had. I don't know what it was regarding
Jack of all trades, master of none.

Offline pointer

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Re: Car Insurance Master Thread
« Reply #1163 on: May 08, 2020, 12:30:18 PM »
Be wary of any claims on your record. If you can live without it better not to.
This is very interesting.
Can you perhaps provide a source?

Thanks.