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sheri posted:Also keep in mind that uninsured/underinsured motorist coverage, in the vast majority of states, only covers injuries and does not cover damage to your property. Really? I thought that uninsured / underinsured effectively took the place of their liability insurance and would cover both medical and property damage to me. So if I get hit by someone uninsured and I have no collision, I am just screwed? I'm carrying liability, comprehensive, and underuinsured / uninsured on an older vehicle right now. Learning this is making me question my Dad's wisdom of "I've never been at fault in 40 years of driving so I won't carry collision on a brand new car." He had just been starting to win me over after he hit a deer and it was covered under comprehensive. Twerk from Home fucked around with this message at 16:31 on Sep 19, 2012 |
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Sep 19, 2012 16:12
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I'm having a really bizarre experience shopping for home insurance. I've run online quotes through multiple insurers hoping that a multi-line discount would get me some savings. The pattern I'm finding from online quotes at least is that the people who have good auto rates are way out of line on home, and vice-versa. There must be something about my profile where some groups think I'm a responsible driver but a home in Houston that's not in a flood plain is a huge risk, and other groups think the home is OK but I'm a maniac of a driver. The variance is 300% between quotes, its crazy. How weird that my cheapest solution is 2 different insurers.
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Apr 25, 2013 20:12
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Wicaeed posted:I realize this is a general insurance thread, but how can I fight back against Geico raising my car insurance rates by 30% year over year during my latest renewal? Good luck, I saw a similar hike from Geico, shopped around, and they remain the lowest priced option for me. Reinsurance costs are up dramatically, the replacement value of your 10 year old car has significantly increased over the last 2 years, and repair costs assuming it's repairable have also skyrocketed. You can't fight back.
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Jul 21, 2023 21:18
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I'm not sure if $100k property liability is enough anymore for normal people, a parking lot door ding costs $53k these days: https://jalopnik.com/fisker-ocean-totaled-over-910-door-ding-after-insurer-1851451187quote:The damage adjuster initially estimated that it would cost $910 to fix, but he also admitted that, in reality, it would be much higher as he was unfamiliar with the vehicle. He had no idea how right he would end up being. If you hit a Rivian on the back corner, it is similarly done and those can be over $100k, so you might go over a $100k policy with a low-speed parking lot scrape.
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May 2, 2024 17:31
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