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

Which Insurance Broker would you recommend:

5MinuteInsure.com
Moshe Fishman
Online Comparison and Purchasing Platform for Auto, Home or Bundle Insurance
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Nationwide- Yehuda Spero
443-845-9552
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Insurance Depot
718-921-2300
Info@insdepot.com
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Trumper Insurance
845-356-1899

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Poll

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 321499 times)

Offline KidOOO

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Re: Auto Insurance
« Reply #140 on: July 10, 2012, 06:21:09 PM »
How's the weather in this little world you've created for yourself?

your invited to open your eyes and look out the window  :)

Offline AJK

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Re: Auto Insurance
« Reply #141 on: July 10, 2012, 06:24:38 PM »
your invited to open your eyes and look out the window  :)

So there really isn't a problem for you, because if you get indicted for insurance fraud, all you have to do is click your heels twice and problem goes away.
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 gozalim

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Re: Auto Insurance
« Reply #142 on: July 10, 2012, 06:26:08 PM »
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
notice
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 #143 on: July 10, 2012, 06:33:05 PM »
So there really isn't a problem for you, because if you get indicted for insurance fraud, all you have to do is click your heels twice and problem goes away.

I have not committed or planing on committing any fraud therefore my problems don't exist

Offline AJK

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Re: Auto Insurance
« Reply #144 on: July 10, 2012, 06:35:39 PM »
I have not committed or planing on committing any fraud therefore my problems don't exist

Since you apparently have no idea of what constitutes fraud, you'd have no idea if you've committed or are committing fraud, would ya, (Dorothy)?

(Had to.)
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 #145 on: July 10, 2012, 06:39:13 PM »
Since you apparently have no idea of what constitutes fraud, you'd have no idea if you've committed or are committing fraud, would ya, (Dorothy)?

(Had to.)

Please. please tell me if i have committed fraud, i am lost without you!

Offline PlatinumGuy

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Re: Auto Insurance
« Reply #146 on: July 10, 2012, 07:20:05 PM »
Insipred by Dans insurance, is there any completely legal way to this for a NYC resident? Say I buy 2 cars, and park each in CLE for 183 days. Is that legal? Would I have to do it 16 days each month? Would it still be illegal/void the insurance?

TIA
״וזה כלל גדול: שישנא אדם כל דבר שקר. וכל מה שיוסיף שנאה לדרכי השקר – יוסיף אהבה לתורה.״ - אורחות צדיקים

Offline AJK

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Re: Auto Insurance
« Reply #147 on: July 10, 2012, 07:24:05 PM »
Insipred by Dans insurance, is there any completely legal way to this for a NYC resident? Say I buy 2 cars, and park each in CLE for 183 days. Is that legal? Would I have to do it 16 days each month? Would it still be illegal/void the insurance?

TIA

Ask KidOOO, his fraud compass is tuned perfectly for this type of question.
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 PlatinumGuy

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Re: Auto Insurance
« Reply #148 on: July 10, 2012, 07:27:01 PM »
Ask KidOOO, his fraud compass is tuned perfectly for this type of question.
For the record I was the first guy on this forum to call out OP for this a few weeks ago in another thread.
״וזה כלל גדול: שישנא אדם כל דבר שקר. וכל מה שיוסיף שנאה לדרכי השקר – יוסיף אהבה לתורה.״ - אורחות צדיקים

Offline KidOOO

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Re: Auto Insurance
« Reply #149 on: July 10, 2012, 08:16:04 PM »
Insipred by Dans insurance, is there any completely legal way to this for a NYC resident? Say I buy 2 cars, and park each in CLE for 183 days. Is that legal? Would I have to do it 16 days each month? Would it still be illegal/void the insurance?

TIA

AJK, now this you can call fraud

(even a broken compass point to the north once in a while)

Offline PlatinumGuy

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Re: Auto Insurance
« Reply #150 on: July 10, 2012, 08:25:02 PM »
AJK, now this you can call fraud

(even a broken compass point to the north once in a while)
And if someone was actually driving it in CLE during these 183 days? Where's the fraud?
״וזה כלל גדול: שישנא אדם כל דבר שקר. וכל מה שיוסיף שנאה לדרכי השקר – יוסיף אהבה לתורה.״ - אורחות צדיקים

Offline KidOOO

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Re: Auto Insurance
« Reply #151 on: July 10, 2012, 08:29:16 PM »
And if someone was actually driving it in CLE during these 183 days? Where's the fraud?

are you seriously comparing having your car parked 400 miles away for exactly half a day more than required to someone driving his parents car?

Offline PlatinumGuy

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Re: Auto Insurance
« Reply #152 on: July 10, 2012, 08:36:09 PM »
are you seriously comparing having your car parked 400 miles away for exactly half a day more than required to someone driving his parents car?
One seemingly meets the T&C. Driving his parents car is a bogus argument, as the criteria is not ownership but location of the CAR.

My question was if there is any way to do this without fraud. Any ideas?
״וזה כלל גדול: שישנא אדם כל דבר שקר. וכל מה שיוסיף שנאה לדרכי השקר – יוסיף אהבה לתורה.״ - אורחות צדיקים

Offline aussiebochur

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Re: Auto Insurance
« Reply #153 on: July 10, 2012, 08:39:27 PM »
One seemingly meets the T&C. Driving his parents car is a bogus argument, as the criteria is not ownership but location of the CAR.

My question was if there is any way to do this without fraud. Any ideas?
Move to CLE ;)

Offline PlatinumGuy

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Re: Auto Insurance
« Reply #154 on: July 10, 2012, 08:47:44 PM »
I'm sure there's a lot of case law about these things. Its a lot of money for me - can someone recommend a lawyer/field that would know?
״וזה כלל גדול: שישנא אדם כל דבר שקר. וכל מה שיוסיף שנאה לדרכי השקר – יוסיף אהבה לתורה.״ - אורחות צדיקים

Offline AJK

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Re: Auto Insurance
« Reply #155 on: July 10, 2012, 10:09:45 PM »
I'm sure there's a lot of case law about these things. Its a lot of money for me - can someone recommend a lawyer/field that would know?

As a first step, I'd contact the potential insurer and present your scenario. You don't have to give specifics, just ask where would the car would be "located" for the purposes of the policy if it spent about the same time in two locations.
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 David B

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Re: Car Insurance - Questions, Answers and Tips
« Reply #156 on: July 19, 2012, 03:28:19 PM »
What would insurance be about in brooklyn, 25 yr old , clean record?

Depends on lots of factors -- particularly, what car is being insured.  Go online and you can get a quote from progressive.com

Believe it or not, they even factor in credit history in determining rate (AFAIK)

Offline ReadsTheT&C

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NY Point and Insurance Reduction Course
« Reply #157 on: July 25, 2012, 01:22:10 AM »
Anyone know a good one?  Best I could find for online is $24.95 @ http://www.newyorksafetycouncil.com/

Offline danR

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Re: NY Point and Insurance Reduction Course
« Reply #158 on: July 25, 2012, 08:57:17 AM »
www.geico.amersc.com

i did this one for 20

Offline Avid Reader

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Re: NY Point and Insurance Reduction Course
« Reply #159 on: July 25, 2012, 10:02:28 AM »
www.geico.amersc.com

i did this one for 20
How long did the course take?