What auto insurance do you have?

[ChaimMoskowitz]

6 cars and 6 drivers. 4800/yr with StateFarm.

[hvaces42]

No, you may not ask

Exactly. I'll give you more credit than you deserve and you try and figure this one out.

[Ergel]

I'm really not sure why you are so nasty

[hvaces42]

I'm really not sure why you are so nasty

Just returning the favor.

No, you may not ask

You really dont look in the mirror much, do you?

[yoohoo]

Allstate
NJ
2016 Pathfinder
$550/6 Month
100/300

[Ergel]

Just returning the favor.You really dont look in the mirror much, do you?

You got me
If you look, I was responding to a nasty comment by you to a simple question by me. But whatever.

[hvaces42]

You got me
If you look, I was responding to a nasty comment by you to a simple question by me. But whatever.

You're Canadian. I forgot. You dont know how insurance works here. Its all the government there. Its obvious to anyone who has adult kids who "live away from home". 

[ChaimMoskowitz]

Its obvious to anyone who has adult kids who "live away from home".

Now you lost me. They move out and leave their car?

[Iz]

Now you lost me. They move out and leave their car?

Oy...

[Ergel]

You're Canadian. I forgot. You dont know how insurance works here. Its all the government there. Its obvious to anyone who has adult kids who "live away from home". 

There you go again. I'm not Canadian. Insurance is not the government in Canada. And clearly it's not obvious to anyone who has adult kids.
But you made 3 incorrect assumptions in a 20 word post

[hvaces42]

There you go again. I'm not Canadian. Insurance is not the government in Canada. And clearly it's not obvious to anyone who has adult kids.
But you made 3 incorrect assumptions in a 20 word post

And you're still unable to figure this out. I'm just curious if you ask your clients everything or there are some things you would rather not know. This would fall under that category.

[skyguy918]

What's so complicated? There's at least one kid driving who is not on the policy. This is fairly common practice - the insurance brokers tell you to do this. You can argue all you want whether it's wrong, though this may or may not be the right place for that.

I started with Geico, switched to State Farm when I bought my house (better discounts when adding home and umbrella), currently with Allstate. I've been very happy with them so far. There's a frum agent in KGH, with an office right on Main St (should that ever be needed). The person I deal with in their office is very knowledgeable and helpful, always responds to emails fairly quickly, etc.

Allstate
$953.56 for 6 months
'16 Kia Sedona
Queens
2 drivers
$250/500k BI - $100k PD
Collision and comprehensive (full glass) $1k deductibles
$30/day rental reimbursement

[ChaimMoskowitz]

What's so complicated? There's at least one kid driving who is not on the policy. This is fairly common practice - the insurance brokers tell you to do this. You can argue all you want whether it's wrong, though this may or may not be the right place for that.

Is this common practice? Never heard of doing that.

[Ergel]

And you're still unable to figure this out. I'm just curious if you ask your clients everything or there are some things you would rather not know. This would fall under that category.

I'm not in insurance. And no, I would never tell my clients to steal from a vendor. And would definitely not do that myself

[hvaces42]

Is this common practice? Never heard of doing that.

You also dont know what it means to live in NY with drivers under age 25.

I'm not in insurance. And no, I would never tell my clients to steal from a vendor. And would definitely not do that myself

There you go again. Stealing what? Not disclosing an occasional licensed driver in the household is not stealing. Not required to disclose a driver who is away at school over 100 miles from home either. Thats the insurance company rule, not mine. So stop judging.

[Ergel]

You also dont know what it means to live in NY with drivers under age 25. There you go again. Stealing what? Not disclosing an occasional licensed driver in the household is not stealing. Not required to disclose a driver who is away at school over 100 miles from home either. Thats the insurance company rule, not mine. So stop judging.

You could have just said that. Instead I saw this

What's so complicated? There's at least one kid driving who is not on the policy. This is fairly common practice - the insurance brokers tell you to do this. You can argue all you want whether it's wrong, though this may or may not be the right place for that

Its obvious to anyone who has adult kids who "live away from home". 

And this in quotes. Why didn't you just respond to my original question with a real answer instead of this stupidity

[Ergel]

And you're still unable to figure this out. I'm just curious if you ask your clients everything or there are some things you would rather not know. This would fall under that category.

And how does this comment make sense in that context

[ChaimMoskowitz]

You also dont know what it means to live in NY with drivers under age 25.

Isn't fraud the same everywhere?

[mgarfin]

Just to explain
Kids that are away at school can only drive occasionally and arw not required to be listed on policy.
The thing is if you tell the insurance company about the kids in the first place they start asking for lots of documents to prove that the kid is in school. So a common practice is to avoid reporting this in the first place and only dealing with reporting and proving when a claim is filed and it's necessary.

[mercaz1]

Allstate
Cedarhurst
18 sonata
$755 for 6 months
2 drivers
$50 a day for rental
300/500 BI
100 property
$500 deductible