Car Insurance Master Thread

[smee123]

In NY u can call the DMV @ (518)-474-0841 and u can ask how many points/violations /accidents are on ur license
 P.S. be sure to have time bc the wait time is long.

Is that free?

[yitzf]

I personally don't know, but OP sure sounded like they do.

They do

[yoss6400]

i have freedom exclusive  last time i made a payment i made 20 payments but decided its not worth the risk with chase

[yossi4k]

They do

+1 I've used amex with them

i have freedom exclusive  last time i made a payment i made 20 payments but decided its not worth the risk with chase

Well then last time you gained 200 UR points...this time you'll gain 20000 points

[Reb Jo]

If someone got ticket from different state, and in ny for example they don't count a nj ticket for points,
will just having the ticket make you insurance go up, or only if u also get points for it?

[raphy781]

If someone got ticket from different state, and in ny for example they don't count a nj ticket for points,
will just having the ticket make you insurance go up, or only if u also get points for it?

It can affect your insurance. The insurance companies can find out about tickets even ones issued in other states, and even if they don't show up on your NY record.

[Saver2000]

I once inquired about a similar situation, and I was told that it doesn't necessarily go by how many points you get.

The situation i'm talking about is, my friend got a ticket with a 4 points. He was told not to plea bargain for 0 points, bec when the insurance company sees the ticket, they will know that there was had to have been points on this ticket, and that you plea bargained.

And when that happens,  they'll decide how many points the violation should be worth, and bump your rates based on their own assessment.

If you get it lowered to just 2 points, then they won't use their own calculations to decide how many points the ticket is worth, and they'll just go by whatever is actually is on there.   

 

[YSP]

I once inquired about a similar situation, and I was told that it doesn't necessarily go by how many points you get.

The situation i'm talking about is, my friend got a ticket with a 4 points. He was told not to plea bargain for 0 points, bec when the insurance company sees the ticket, they will know that there was had to have been points on this ticket, and that you plea bargained.

And when that happens,  they'll decide how many points the violation should be worth, and bump your rates based on their own assessment.

If you get it lowered to just 2 points, then they won't use their own calculations to decide how many points the ticket is worth, and they'll just go by whatever is actually is on there.   

Depends on the insurance co. Some rate for points and others solely based on tickets regardless of the amount of points issued.


Yes, they trnasfer from other states. it used to be not but with modern technology, internet and everything being digital it's not hard for them to keep track.

[SavingsBigtime]

thats why you go to an broker and he will shop around!!!

[Mikeoracle]

I know this is an old topic but I wanted to revive it with a discussion about PIP.
I researched this a while ago but I am trying to lower my rates now and I am a bit confused by all these options.
In NJ is there a requirement to take any PIP and if yes what would that be?
If I have health insurance why do I need this at all, what coverage would my health insurance not give me that the PIP would be needed for?
How do you decide which option would work best (if needed at all) and what ded/max would be recommended?

I know some of the above will have different answers for different situations, but I am just tryig to get some ideas in how the choices and calculations are made.

Thanks.

[henche]

mods, maybe merge my thread onto this one. looks like this one is older http://forums.dansdeals.com/index.php?topic=28094.msg477018#msg477018

[Mikeoracle]

Sorry - or merge to this one-http://forums.dansdeals.com/index.php?topic=17860.0
I searched for Car insurance, shouldve searched for Auto Insurance.

Thanks

[YSP]

I know this is an old topic but I wanted to revive it with a discussion about PIP.
I researched this a while ago but I am trying to lower my rates now and I am a bit confused by all these options.
In NJ is there a requirement to take any PIP and if yes what would that be?
If I have health insurance why do I need this at all, what coverage would my health insurance not give me that the PIP would be needed for?
How do you decide which option would work best (if needed at all) and what ded/max would be recommended?

I know some of the above will have different answers for different situations, but I am just tryig to get some ideas in how the choices and calculations are made.

Thanks.

You can't remove PIP altogether but you can limit that it only covers people in the other and not your car. In Jersey there is an additional coverage option where you can have the either the auto policy be primary for medical claims or secondary to your health insurance. It's cheaper if you have the auto policy be secondary.

Try both those options if you want to make it cheaper

[Mikeoracle]

You can't remove PIP altogether but you can limit that it only covers people in the other and not your car. In Jersey there is an additional coverage option where you can have the either the auto policy be primary for medical claims or secondary to your health insurance. It's cheaper if you have the auto policy be secondary.

Try both those options if you want to make it cheaper

Thanks for the reponse. Is there any reason I shouldnt put the Auto insurance as secondary with the highest deductible and lowest max (i.e. cheapest option)?

[YSP]

Thanks for the reponse. Is there any reason I shouldnt put the Auto insurance as secondary with the highest deductible and lowest max (i.e. cheapest option)?

Deductible only applies to damage to your vehicle.

If you limit the PIP though you run the risk of having that guests in your car will not covered in an accident.

There's other ways to lower premium before you look into limiting coverages.

[Mikeoracle]

Deductible only applies to damage to your vehicle.

If you limit the PIP though you run the risk of having that guests in your car will not covered in an accident.

There's other ways to lower premium before you look into limiting coverages.

My question is specific to the PIP selection and the PIP deduction/max. Doesnt health insurance cover any medical bills? why the need for this at all?
And if the state requires it then why not choose the cheapest option, what am I missing?

[bubkiz]

You can't remove PIP altogether but you can limit that it only covers people in the other and not your car. In Jersey there is an additional coverage option where you can have the either the auto policy be primary for medical claims or secondary to your health insurance. It's cheaper if you have the auto policy be secondary.

Try both those options if you want to make it cheaper

CRIIW but JerseyCare/Medicaid cannot be primary.

[lfas25]

My question is specific to the PIP selection and the PIP deduction/max. Doesnt health insurance cover any medical bills? why the need for this at all?
And if the state requires it then why not choose the cheapest option, what am I missing?

I think in NJ requires you to have pip as it's your primary in case of an accident. I know from experience I used pip and my health insurance denied me as it was from an accident.

[Mikeoracle]

I think in NJ requires you to have pip as it's your primary in case of an accident. I know from experience I used pip and my health insurance denied me as it was from an accident.

your health insurance denied you because you had pip coverage? Or does health insurance just not cover injuries from car crashes?

[lfas25]

your health insurance denied you because you had pip coverage? Or does health insurance just not cover injuries from car crashes?

That's a good question, I honestly don't know.