Author Topic: What auto insurance do you have?  (Read 2751 times)

Offline hvaces42

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Re: What auto insurance do you have?
« Reply #30 on: June 14, 2018, 10:35:42 AM »
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.
« Last Edit: June 14, 2018, 10:54:05 AM by hvaces42 »
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Offline skyguy918

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Re: What auto insurance do you have?
« Reply #31 on: June 14, 2018, 11:25:17 AM »
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

Offline ChaimMoskowitz

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Re: What auto insurance do you have?
« Reply #32 on: June 14, 2018, 11:29:56 AM »
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.
I just found a new supply of forks!

Offline Ergel

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Re: What auto insurance do you have?
« Reply #33 on: June 14, 2018, 11:38:27 AM »
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
Life isn't about checking the boxes. Nobody cares.

Offline hvaces42

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Re: What auto insurance do you have?
« Reply #34 on: June 14, 2018, 11:45:13 AM »
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.
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Offline Ergel

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Re: What auto insurance do you have?
« Reply #35 on: June 14, 2018, 12:38:36 PM »
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
Life isn't about checking the boxes. Nobody cares.

Offline Ergel

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Re: What auto insurance do you have?
« Reply #36 on: June 14, 2018, 12:41:48 PM »
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
Life isn't about checking the boxes. Nobody cares.

Offline ChaimMoskowitz

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Re: What auto insurance do you have?
« Reply #37 on: June 14, 2018, 12:48:59 PM »
You also dont know what it means to live in NY with drivers under age 25.
Isn't fraud the same everywhere?
I just found a new supply of forks!

Online mgarfin

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Re: What auto insurance do you have?
« Reply #38 on: June 14, 2018, 01:51:24 PM »
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.

Offline mercaz1

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Re: What auto insurance do you have?
« Reply #39 on: June 14, 2018, 02:00:27 PM »
Allstate
Cedarhurst
18 sonata
$755 for 6 months
2 drivers
$50 a day for rental
300/500 BI
100 property
$500 deductible

Online Geshmak25

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Re: What auto insurance do you have?
« Reply #40 on: June 14, 2018, 02:37:39 PM »
They told me that they cannot rate based on education anymore. 20% across the board raise. paying ~$665 a month  :o
2011 Chevy Suburban,
2008 Honda Pilot
2017 Honda Accord

Full Coverage on all.
100/300
2 drivers
1k deductible
So if the kid is at school 100 miles away does that mean that the third car is sitting at home unused most of the time or that it is with the kid at the school 100 miles away?
PUTPAC = PITA

Offline hvaces42

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Re: What auto insurance do you have?
« Reply #41 on: June 14, 2018, 05:36:56 PM »
So if the kid is at school 100 miles away does that mean that the third car is sitting at home unused most of the time or that it is with the kid at the school 100 miles away?
:-X
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Offline ChaimMoskowitz

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Re: What auto insurance do you have?
« Reply #42 on: June 14, 2018, 05:40:26 PM »
:-X
I wouldn't admit to fraud either.  :)
I just found a new supply of forks!

Offline hvaces42

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Re: What auto insurance do you have?
« Reply #43 on: June 14, 2018, 06:46:52 PM »
I wouldn't admit to fraud either.  :)
Its not fraud if the insurance compamy has a remedy of denial of coverage. It may look like fraud which is why I didnt answer the original question. And when you get coy or evasive answers usually it means someone doesnt want to answer your question. I just thought it was so obvious. You learn some people cant think outaide a box. I dont mean you.
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Offline moko

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Re: What auto insurance do you have?
« Reply #44 on: June 14, 2018, 08:57:49 PM »
Its not fraud if the insurance compamy has a remedy of denial of coverage. It may look like fraud which is why I didnt answer the original question. And when you get coy or evasive answers usually it means someone doesnt want to answer your question. I just thought it was so obvious. You learn some people cant think outaide a box. I dont mean you.
if you lie about where the vehicle is primarily garaged, (a question on every car insurance application), it's fraud. The fine print states clearly that of you change the primary location you must notify them. And while lack of notification may not be fraud, an upfront lie is.