Now I understand... (rant)

[MoFo]

...why people always say "insurance companies are scum."

I posted a thread about getting car insurance a while back because the first quote they gave me was about $82. Then I called a second and third time and they raised it to $185 within a month.

It's not worth it right now so I dropped the issue and kissed my Metropass once again.


So we get this call this morning stating that my dad's insurance has been raised from $1200 to $3600. My dad's a yeller. So I had to endure about 2.5 hours of my father's yelling on the phone.

Why the fuss? Well, they said that since I live in the same house, I HAVE to be insured (at an even HIGHER rate than the last 3 estimates) and they threatened to cancel the entire policy if my dad didn't pay.

The yelling continues.
What do we do about this?

 

[Lurch]

Sad part is nothing you can do.....maybe switch companies....but they will prob jack it up in short order anyways....or you could give up your license....my ex had to do that so I could afford insurance....it would have been $7k instead of $2k (bitch totaled 3 cars)

 

[Hi i'm God]

Originally posted by MoFo

What do we do about this?

Move out.

 

[Silvershadow]

If you ARE going to drive the car, then you don't have much of a choice... you have to be insured, so either your dad will have to pay up or he can shop for another insurance company.

If you're NOT going to drive the car, then they can't possibly demand that your dad pays more.

Also, the fact that they keep changing their estimate more often than they change their shorts leads me to believe that they don't really have their act together, and I'd switch companies anyway.

 

[Silvershadow]

Originally posted by Lurch
or you could give up your license....my ex had to do that so I could afford insurance....

That's retarded! Why have to give up your license?? If you don't USE the damn car, you shouldn't have to pay insurance. It's irrelevant whether you live in the same place or not.

 

[Boss Hog]

Originally posted by MoFo

What do we do about this?

 

[redeyes]

Originally posted by Lurch
my ex had to do that so I could afford insurance....it would have been $7k instead of $2k (bitch totaled 3 cars)

my soon to be wife totalled 2 of my past cars. we're getting sued for the last one. i don't love her for her driving skills.

peace

 

[AshG]

they absolutley cannot say that the cost must go up because you live in the house.

if you are not listed as an occasional driver, then there should be no markup.

if they insist, simply claim you've moved out.
end of story.

 

[MoFo]

Re: Re: Now I understand... (rant)

Originally posted by Hi i'm God
Move out.

EUREKA!

I already have my eye on a place, actually.

This might make the transition easier. This COULD work to my advantage. Damn Asian parents thinking I should stay and watch them till they get old and wrinkly.

I don't think so! I got guys to pick up and cars to speed in!

 

[MoFo]

Originally posted by Silvershadow
If you ARE going to drive the car, then you don't have much of a choice... you have to be insured, so either your dad will have to pay up or he can shop for another insurance company.

If you're NOT going to drive the car, then they can't possibly demand that your dad pays more.

They just did.

I am not going to drive the car. We dropped the subject (actually I did) because I wanted to pay for it all myself and it's too much for a secondary driver.

I was waiting till after the winter because my dad's getting a new car and giving this one to me.

 

[AshG]

they can't sunny.
as i said, just claim you've moved out then.

 

[MoFo]

Originally posted by AshG

if they insist, simply claim you've moved out.
end of story.

They're not insisting, they're doing it.

I don't want to do anything that's gonna get me in trouble if I get caught..

Are there any insurance company people on here?

Ryan??????? HELP.

I think after my dad yelling for 3 hours now, they're sending a document stating that I CANNOT drive the car and I have to keep it on me or something.

This is all so fucking bullshit.

 

[AshG]

believe me sunny, they can't.

my dad owns an insurance brokerage and i've worked insurance before - in short i do know what does and does not get factored into insurance.

simply SAY you've moved out.
they do not have a right to your private information, so they can have no way of verifying this(aside of sending a p.i.)

 

[AshG]

Originally posted by MoFo


I think after my dad yelling for 3 hours now, they're sending a document stating that I CANNOT drive the car and I have to keep it on me or something.

This is all so fucking bullshit.

wait - this is different.
so sign the damn thing.

are you concerned with their listing you as a resident or as a driver?

very different things.

 

[MoFo]

After all that, I can't say that I don't live here...

That's not gonna go over well.

Anyway, they said they'd cancel the policy if my dad didn't pay.

The document where I have to sign as a "non-driver" is something they're making up right now because my dad's yelling is getting louder and louder.

 

[The Tesseract]

Originally posted by MoFo
So we get this call this morning stating that my dad's insurance has been raised from $1200 to $3600. My dad's a yeller. So I had to endure about 2.5 hours of my father's yelling on the phone.

You're a fucking lucky shit. especially considering that you're asian... i'm not racist, but insurance companies are. Typically asians pay a premium for their perceived higher likelihood of getting in accidents.
My dad's insurance went from $900 two years ago, to $4000 this year, because 2 years ago, i wasn't on his insurance, i was on my moms.

My dad took me off, and his insurance dropped to $1500 a year. Which is still disgusting considering my dad has never gotten in an accident and hasn't gotten a speeding ticket since he was 19.


So suck it up. $3600 isn't that bad. Your insurance went up because you have a G license. this tells the insurance company that you can now be charged out of your ass because you're more likely to drive.

 

[MoFo]

$3600 is bad when I never said I wanted to drive and my dad has been paying $1200 or less for the last 14 years.

My wording is kinda bad.

They're not adding to my dad's total..
They're adding my name and making me a secondary driver by force.
Too funny.

 

[alexd]

Originally posted by AshG
believe me sunny, they can't.

my dad owns an insurance brokerage and i've worked insurance before - in short i do know what does and does not get factored into insurance.

simply SAY you've moved out.
they do not have a right to your private information, so they can have no way of verifying this(aside of sending a p.i.)

unless they call your house a few times anonymously and ask for you... then they can cancel your insurance entirely i suppose

 

[Klubmasta Will]

1. bad idea to lie to the insurance company. if they find out that you lied, even about something trivial, they could rely on that to not honour your policy.

2. the mooks that answer phones at insurance companies do not always know how things work. they may say that they have rules that they are not allowed to bend, but that's just because they are not qualified to make certain discretionary calls. if you go higher up (sometimes a few levels up) the food chain, you will often find someone intelligent enough to work out a sensible compromise.

 

[Liquidity]

sunny, what company are you with? sounds like some mafia run policy pushers...

how the hell can they put you on the policy if you insist that you're not a driver?!?!?!

are you sure there hasn't been some kinda miscommunication goin' on?

 

[MoFo]

Certas is the company. It's a branch-off from CIBC.

And I talked to them so I doubt there's a miscommunication.

I called last month for an estimate as a second driver.
They told me.
I said, "ok, no thanks then. It's too much. Maybe in the future."
They call today: "since you live here, you have to be insured." And I quote, "Or we will cancel your policy RIGHT NOW."
My dad: EXPLOSIVE YELLING FOR THREE HOURS.

 

[Liquidity]

maybe it was a bluff? i wouldn't put it past an insurance co....

 

[Soundstream]

I guarantee their is a communication breakdown issue. A resident of the household ONLY needs to be on the insurance policy (and therefore included in the quoted price) if he or she will be using the vehicle.

Tribe won't help your rates. Use your time wisely and call a few other insurance companies. They might offer you a better deal. And switching companies is not that much of a hassle. One fax to cancel your old policy, and one fax to start up a new policy.

Having said that, I got a quote just over a month ago from my insurance company. The quoted me a rate over the phone and didn't log it in their system properly. So the other day when I called back to avtivate the quote on the new car, they told me that the quote wasn't in the system and they would have to use today's rates. The price went up by about 15%. Anyways, I asked to speak to a manager, and within a few minutes they gave me the original quote that I had written down a month before.

The moral of the story, insurance rates are not written in stone.

On a semi-related personal side note, I was rather annoyed to find out that the minimum deductable on the car is $1,000. I am not exactly too pleased about that. I thought you got to pick the amount regardless of the car.

Cheers ... Ian

 

[MoFo]

I did everything you said. Talked to the manager.
And am in the process of calling other places. But I think I'm going to wait till I get the car as a primary driver.

Anyway, WE didn't call them. THEY called us. As far as I was concerned, I didn't want to drive the car.

They even said "so what if your father has an emergency? You would be driving the car. We can't trust that you won't."
And my dad SCREAMS, "FUCK, I CALL 9-11. Have you ever heard of an ambulance?"

I was laughing so hard.

 

[chipotle]

Originally posted by MoFo

And my dad SCREAMS, "FUCK, I CALL 9-11. Have you ever heard of an ambulance?"

I was laughing so hard.

lol

i find that very funny as well.


good luck getting things sorted out.