Author Topic: Car Insurance Master Thread (Read 325310 times)

smurf · « **Reply #560 on:** June 22, 2014, 01:43:06 PM »

Quote from: googwallet on June 20, 2014, 06:29:56 PM

My father got swiped by a teen in jersey, the kid agrees he's guilty and they filled a police report.
A few weeks later, Geico (my fathers insurer) tells us that the kid had a 'storage policy' which was not valid for a car on the road, and isn't going to pay out. As far as my fathers insurance, he has a $1k deductible which is just about the amount of damage done - is there anything that can be done?

did
Does the policy have uninsured/underinsured coverage?

skyguy918 · « **Reply #561 on:** June 22, 2014, 03:32:02 PM »

Quote from: smurf on June 22, 2014, 01:43:06 PM

did
Does the policy have uninsured/underinsured coverage?

I believe that only covers situations where you are injured by the uninsured, not when your car is damaged.

ETA: @googwallet
Either way, Geico is saying they can't do anything about it? If you file a claim with them, don't you pay your deductible up front, and then Geico is responsible to pursue a claim against the other party (regardless of their insured status)?

googwallet · « **Reply #562 on:** June 22, 2014, 09:17:09 PM »

Quote from: skyguy918 on June 22, 2014, 03:32:02 PM

I believe that only covers situations where you are injured by the uninsured, not when your car is damaged.

ETA: @googwallet
Either way, Geico is saying they can't do anything about it? If you file a claim with them, don't you pay your deductible up front, and then Geico is responsible to pursue a claim against the other party (regardless of their insured status)?

Yeah, but my father's isn't interested in paying the deductible since the damage at most is $1,000. If paying the deductible is the only option he'll just leave it the way it is and at the end of the lease deal with it.

etech0 · « **Reply #563 on:** July 06, 2014, 04:12:26 PM »

I have a question while filling out a quote for Geico. What "Type of Student" do you call someone learning in Kollel?

Is someone studying Talmudic Law a law student?

AnonymousUser · « **Reply #564 on:** July 06, 2014, 04:15:24 PM »

Quote from: etech0 on July 06, 2014, 04:12:26 PM

I have a question while filling out a quote for Geico. What "Type of Student" do you call someone learning in Kollel?

Is someone studying Talmudic Law a law student?

If the kollel is not an accredited college, then technically I don't know if he's considered a student. If it is, the if he has a BTL already, then he's a graduate student, if not, he's an undergrad.

Super Speed · « **Reply #565 on:** July 06, 2014, 04:16:59 PM »

Quote from: etech0 on July 06, 2014, 04:12:26 PM

I have a question while filling out a quote for Geico. What "Type of Student" do you call someone learning in Kollel?

Is someone studying Talmudic Law a law student?

I personally found that when calling you get better than what was quoted online, you can discuss things with them and play around with coverages.

etech0 · « **Reply #566 on:** July 06, 2014, 08:33:01 PM »

Quote from: Super Speed on July 06, 2014, 04:16:59 PM

I personally found that when calling you get better than what was quoted online, you can discuss things with them and play around with coverages.

And I personally had a hard time hearing what the agent was saying

But that might just be my phone

etech0 · « **Reply #567 on:** July 07, 2014, 12:58:17 PM »

You have requested more rate quotations than our system allows from a single customer. If you need to make any further changes to your information please call one of our insurance counselors toll-free at 1-800-841-5660.

Thanks for your interest in GEICO.

Now I have to call them

ckmk47 · « **Reply #568 on:** July 08, 2014, 09:50:15 AM »

Quote from: etech0 on July 07, 2014, 12:58:17 PM

You have requested more rate quotations than our system allows from a single customer. If you need to make any further changes to your information please call one of our insurance counselors toll-free at 1-800-841-5660.

Thanks for your interest in GEICO.

Now I have to call them

incognito browsing? or are they going by social?

etech0 · « **Reply #569 on:** July 08, 2014, 10:48:53 AM »

Quote from: ckmk47 on July 08, 2014, 09:50:15 AM

incognito browsing? or are they going by social?

I was logged in, so I doubt incognito would have helped. Regardless, I had basically decided what I want so I just called and put it through. Came out cheaper than the website too!

Super Speed · « **Reply #570 on:** July 08, 2014, 01:44:14 PM »

Quote from: etech0 on July 08, 2014, 10:48:53 AM

I was logged in, so I doubt incognito would have helped. Regardless, I had basically decided what I want so I just called and put it through. Came out cheaper than the website too!

HT: Super Speed

Quote from: Super Speed on July 06, 2014, 04:16:59 PM

I personally found that when calling you get better than what was quoted online, you can discuss things with them and play around with coverages.

etech0 · « **Reply #571 on:** July 08, 2014, 01:50:59 PM »

Quote from: Super Speed on July 08, 2014, 01:44:14 PM

HT: Super Speed

Yup!
I made all my decisions as to how much to cover for what online, where I could see the numbers in front of me and not rely on a salesperson who talks really fast and is trying to convince me to insure more than I need to. Then I called, told them EXACTLY what I wanted, and managed to get a better price

.

NI · « **Reply #572 on:** July 28, 2014, 02:40:55 PM »

Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!

myb821 · « **Reply #573 on:** July 28, 2014, 02:45:23 PM »

Quote from: NI on July 28, 2014, 02:40:55 PM

Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!

sounds reasonable actually. You both have points on your license and u had an accident.

YSP · « **Reply #574 on:** July 28, 2014, 03:12:31 PM »

Quote from: NI on July 28, 2014, 02:40:55 PM

Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!

The tickets and the accident aren't your biggest problem. The lack of previous insurance is. That's why you're paying so much.

sunny · « **Reply #575 on:** July 28, 2014, 03:23:53 PM »

Quote from: NI on July 28, 2014, 02:40:55 PM

Wondering if anyone can help me:)...were new at this!
Husband is 27, wife 23-we have never owned or leased a car before
husband-one ticket for a stop sign over a yr ago
wife-one speeding ticket, one accident both over a year ago

Not sure if we should buy or lease, we live in brooklyn
geico quoted $245 for a 2014 nissan altima lease and $121-205 depending on coverage for a 2008 used car
Are these quotes reasonable?
I feel like they are quite expensive...
anyone know better places for better deals on insurance?
thank you!

not sure if it makes a difference but accident was wifes fault, and her ticket was not speeding-was also stop sign...
any tips to cut down costs?

KidOOO · « **Reply #576 on:** July 28, 2014, 10:28:48 PM »

Quote from: sunny on July 28, 2014, 03:23:53 PM

not sure if it makes a difference but accident was wifes fault, and her ticket was not speeding-was also stop sign...
any tips to cut down costs?

Shop around 4-5 companies, get the cheapest price

repeat after 6 months, 12 months etc until you feel you are paying low enough

zevi · « **Reply #577 on:** July 29, 2014, 05:36:39 PM »

Anyone ever hear of Farmers insurance?

YSP · « **Reply #578 on:** July 29, 2014, 05:37:36 PM »

Sure. They're a standard carrier.

zevi · « **Reply #579 on:** July 29, 2014, 05:40:00 PM »

Quote from: YSP on July 29, 2014, 05:37:36 PM

Sure. They're a standard carrier.

Thnx

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Author Topic: Car Insurance Master Thread (Read 325310 times)