Author Topic: Car Insurance Master Thread (Read 325657 times)

skyguy918 · « **Reply #460 on:** November 11, 2013, 04:01:56 PM »

Quote from: fc on November 11, 2013, 03:55:14 PM

Having more costumers doesnt make them a better company, its if they pay out easy what makes an insurance company better.

http://www.justice.org/cps/rde/xbcr/justice/AAJ_Report_TenWorstInsuranceCompanies_FINAL.pdf

scroll down to page 10

FYI, the entire section on State Farm is about property policies, not auto policies.

teeboi123 · « **Reply #461 on:** November 18, 2013, 11:52:34 AM »

Can someone tell me how long after an accident can someone file a claim? I have NationWide and someone vandalized my car few years ago. No one was injured in fact my car was parked and someone vandalized it. Can i still claim this without a police report? Please advise

Ergel · « **Reply #462 on:** November 18, 2013, 12:30:21 PM »

YSP · « **Reply #463 on:** November 21, 2013, 11:24:03 AM »

Quote from: teeboi123 on November 18, 2013, 11:52:34 AM

Can someone tell me how long after an accident can someone file a claim? I have NationWide and someone vandalized my car few years ago. No one was injured in fact my car was parked and someone vandalized it. Can i still claim this without a police report? Please advise

You can make a claim for up to 24 months after the incident. In NY for med pay you need to submit within 30 days but as far as damage to the car you get 24 months

YSP · « **Reply #464 on:** December 04, 2013, 08:48:27 PM »

Quote from: Smartypantz on December 04, 2013, 08:41:15 PM

I was in an accident recently, the other guy only had damage to his tire and hubcap so he was happy to take $500 and leave. My car has about $850 worth of damage, is it worth it for me to go thru geico or pay out of pocket? I tried asking geico how much my policy would go up - huge mistake - they filed a claim for me, but without any details cuz I didn't give them much!So 2 questions - should I file a claim -I have a $500 deductible. And whats going to be with the claim they started?!?Thanks!

It's not worth making a claim in this case. The increase to your premium would negate any benefit of them paying your claim. Better to pay out of pocket.

Your claim file you opened won't affect anything if they don't pay anything out. when the adjuster contact you just tell him you decided to pay out of pocket and he will close the file

smee123 · « **Reply #465 on:** January 09, 2014, 06:26:12 PM »

NY resident here, do i have to tell geico about a speeding ticket in NJ from 4 yrs ago when getting a quote ?
And how about getting rear ended? Is that considered an accident (that they would care)?
TIA

YSP · « **Reply #466 on:** January 09, 2014, 07:01:18 PM »

Quote from: smee123 on January 09, 2014, 06:26:12 PM

NY resident here, do i have to tell geico about a speeding ticket in NJ from 4 yrs ago when getting a quote ?
And how about getting rear ended? Is that considered an accident (that they would care)?
TIA

From four years ago? No. The accident also won't count against you.

smee123 · « **Reply #467 on:** January 09, 2014, 09:15:22 PM »

Quote from: YSP on January 09, 2014, 07:01:18 PM

From four years ago? No. The accident also won't count against you.

Thanks

ckmk47 · « **Reply #468 on:** January 09, 2014, 11:41:07 PM »

IME, You don't have to tell them anything bad. If they findit in your record, it will count against you. If not, you're home free.
At various times car insurance found a red light ticket I had forgotten about, children grown enough to get driving licenses (even when they didn't yet have a permit), and a fender bender paid out more than a year later (that I didn't know was settled).

popcorn1508 · « **Reply #469 on:** January 10, 2014, 01:23:14 AM »

Quote from: ckmk47 on January 09, 2014, 11:41:07 PM

IME, You don't have to tell them anything bad. If they findit in your record, it will count against you. If not, you're home free.
At various times car insurance found a red light ticket I had forgotten about, children grown enough to get driving licenses (even when they didn't yet have a permit), and a fender bender paid out more than a year later (that I didn't know was settled).

is there a way to check if I have an accident on my record, and how long does it effect me (the other parties insurance paid 75%)

Twin · « **Reply #470 on:** January 10, 2014, 04:41:51 AM »

Where is it better to register a car in MI or NJ?

YSP · « **Reply #471 on:** January 10, 2014, 06:42:50 AM »

Quote from: popcorn1508 on January 10, 2014, 01:23:14 AM

is there a way to check if I have an accident on my record, and how long does it effect me (the other parties insurance paid 75%)

I could check for you. Pm me.

ckmk47 · « **Reply #472 on:** January 10, 2014, 09:21:59 AM »

Quote from: Twin on January 10, 2014, 04:41:51 AM

Where is it better to register a car in MI or NJ?

Get 2 insurance quotes. One based in each state and find out.

YSP · « **Reply #473 on:** January 10, 2014, 10:18:00 AM »

Quote from: ckmk47 on January 10, 2014, 09:21:59 AM

Get 2 insurance quotes. One based in each state and find out.

officially you must register the car in the state where you reside. If the insurance company smells funny business they do have grounds to deny a claim. Your call though

ckmk47 · « **Reply #474 on:** January 10, 2014, 10:22:13 AM »

If you have 2 residences you can legitimately be deciding where to base this car. If not, you can be thinking of moving and this is one factor in your decision.

YSP · « **Reply #475 on:** January 10, 2014, 10:28:07 AM »

Quote from: ckmk47 on January 10, 2014, 10:22:13 AM

If you have 2 residences you can legitimately be deciding where to base this car. If not, you can be thinking of moving and this is one factor in your decision.

Goes by where you spend the majority of the year

smee123 · « **Reply #476 on:** January 10, 2014, 11:01:07 AM »

Ok, another Q,

Can i cancel my allstate prepaid plan in the middle and get a refund?

I dont want to ask my Allstate guy cuz i need him to like me for now

YSP · « **Reply #477 on:** January 10, 2014, 11:21:07 AM »

Quote from: smee123 on January 10, 2014, 11:01:07 AM

Ok, another Q,

Can i cancel my allstate prepaid plan in the middle and get a refund?

I dont want to ask my Allstate guy cuz i need him to like me for now

of course. They'll pro rate you a refund.

Sowhat · « **Reply #478 on:** January 10, 2014, 11:29:48 AM »

Quote from: smee123 on January 09, 2014, 06:26:12 PM

NY resident here, do i have to tell geico about a speeding ticket in NJ from 4 yrs ago when getting a quote ?
And how about getting rear ended? Is that considered an accident (that they would care)?
TIA

They don't need you. They look it up and adjust your premium accordingly.

Sowhat · « **Reply #479 on:** January 10, 2014, 11:31:21 AM »

Quote from: ckmk47 on January 09, 2014, 11:41:07 PM

IME, You don't have to tell them anything bad. If they findit in your record, it will count against you. If not, you're home free.
At various times car insurance found a red light ticket I had forgotten about, children grown enough to get driving licenses (even when they didn't yet have a permit), and a fender bender paid out more than a year later (that I didn't know was settled).

I once got a quote from Geico, who counted a bump in the rear with no payout as an accident against me. They call it a non-pay accident.

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Author Topic: Car Insurance Master Thread (Read 325657 times)