Awesome to horrible to awesome... an Insurance story.

[Gawd]

So I bought a new car in Dec, shopped around for insurance, highest came in ar RBC for $4300 and lowest at PC Finance at $2400... so it's a no-brainer, I went with PC. Applied, approved, good to go.

Then a month later they send a revised premium and the cost was $5100! They said I didn't report a collision that occurred in Aug 17'05 and therefore my insurance doubled! The thing is... that collision never happened!

So I call them a day later and was told that if I sent a Letter Of Experience from my previous insurance company proving my clean record, things will be fixed and I go back to my lower cost. So I do that, Allstate sends me a letter, which I fax to PC right away.

I call today to confirm everything and the dude tells me NO, he can't change it because since the Allstate letter had no claims, it means I didn't report the accident to them. He says the letter doesn't help me but I tell him I was told that it would by somone else in PC, but he tells me basically... too bad. I then tell him that I was never in the accident and ask for more info, dude tells me that Zurich insurance put me at fault and therefore can't do anything about it. That's when I nearly lost it... Zurich!?! I tell him I was with Allstate until Sep 30'05, so there's got to be an error on his end! He doesn't believe me and tells me to call back later on so he can investigate it (bullcrap).

So I call them back and speak to a lady, she looks at my policy, finds my letter, and immediately changes my premium back to $2400 because she can plainly see that I was with Allstate... not friggin Zurich... and apologizes for the error and explains that "some flunky" must've messed up. So now everything is back to the way it's supposed to be.

Thank Gawd for that.

Friggin insurance companies... biggest legalized crime in the world.

 

[C Dick]

Like everyone else, I hate insurance companies. I do not speak to them ever, my wife does it. I hear people's stories, and I know that if they did it to me, I would flip. Now I come home, the wife describes the situation, and I tell her that they have no right to do that, to call back tomorrow and beg / yell at them, and she does. She is a saint.

I have one good insurance story, my life insurance was with a mutual insurance company, whatever that is. They decided to "demutualize", do they sent me a cheque for $4,500. All policyholders got one, based on how long they had their policy. I couldn't believe it.

 

[El_Mariachi]

I really have it bad.

I'm 22, and a full time university student. I'm a secondary driver under my dads car, and we're with RBC Insurance. Since i'm working part time now, I decided to call them up and see if I could get a quote for my 1989 Honda Accord LX.

I have a training certificate, a clean record, no traffic tickets or accidents. Squeaky clean. I've been driving for 3 full years. I get quoted $422.50 per month. This is liability, not even full coverage. LIKE WTF? What's the point of me being so safe on the road, when i'm going to be quoted this ridicilous figure. It's not just RBC but some other companies as well. I could lease a brand new BMW with that kind of money, it's crazy.

 

[Garden of Eden Ladies]

Try switching to Geico, opps I mean Kingsway

I saved a bundle by switching to Kingsway. I pay every three months and they reduced my insurance by almost 50% . I get three months for less then what I used to pay for 2 months.



NK

I really have it bad.

I'm 22, and a full time university student. I'm a secondary driver under my dads car, and we're with RBC Insurance. Since i'm working part time now, I decided to call them up and see if I could get a quote for my 1989 Honda Accord LX.

I have a training certificate, a clean record, no traffic tickets or accidents. Squeaky clean. I've been driving for 3 full years. I get quoted $422.50 per month. This is liability, not even full coverage. LIKE WTF? What's the point of me being so safe on the road, when i'm going to be quoted this ridicilous figure. It's not just RBC but some other companies as well. I could lease a brand new BMW with that kind of money, it's crazy.

 

[El_Mariachi]

Do you have their phone number by any chance?

 

[Hard Idle]

"Friggin insurance companies... biggest legalized crime in the world."
.

You said it. These guys have guaranteed business by law and absolutely no standard to live up to.

One of the worst things is how many of them will cash your cheque within a week, but then they never send you your policy! For months they just send you "temporary" certificates, sometimes on time, sometimes several weeks late. I have gotten three tickets for not having a current slip - but how can I force them to mail it? One time in 2000, I set a court date, but three months later, I still didn't have it! The judges refuses to grant me an adjournment!

You have absolutely no recourse with these people. Calling them is useless because half of the companies are only fronts, they share an outsourced call centre in one building, an outsorced document company in another, and obtain insurance form an underwriter somewhere else. None of the three parties is ever sure what the others are doing and there is nobody in charge.

Same thing with claims, outsourced adjuster, outsorced claims proccessing, endless delays with nobody being responsible for the whole thing.

Don't be lazy, try to screw these people back in any way possible!

 

[Fabulous]

insurance sucks big time

I called my insurance broker last summer to inquire as to why my rates were still so high, and not going down at all. Facts: my jeep was aging, I had a clean record for over 6 years, no tickets, no accidents. She tells me that jeeps are high on the theft list, yeah the new ones but not necessarily the old ones. So she tells me that because of my clean insurance record if I get into an accident and it's my fault, it won't effect my premium, in other words it'll be a free-bee to me. Don't you know that less than 2 weeks after speaking to her I slammed into a car in front of me and took out the trunk.

No problem I call them and report the accident, I tell them what happend, they say ok we are sending a rent a car to pick you up blah blah blah, when all of the sudden the intake notices that I don't have collision.
Anyway make a long story short: for years I paid a higher premium to be insured for up to $1000.00 per week if I was unable to work, as opposed to the $400.00 per week income replacement. So I slam into this car, I didn't see it coming, I hit it hard, bang and I mess up my neck, shoulders and back. I can't fuck, I mean work for 3 weeks.

Insurance company is all nice, nice and they say no problem we are sending you a cheque. And what do they send me $400.00 per week. It's funny how they noticed that I had no collision, but they didn't notice that I was insured for up to $1000.00 per week.

 

[Fabulous]

Don't be lazy, try to screw these people back in any way possible!

lol, that's cute I never though of it that way, because all along I feel like I am paying for it anyway. Maybe look at it like a pot draw.

 

[Esco!]

You guys (and girls) still pay insurance?????



I have many blank slips.........oopps.........I've said too much...

 

[WhaWhaWha]

I drove with fleets for my first 15 years. Perfect record. The first time I tried to purchase my own policy they tried to tell me I had no personal insurance history and tried to hit me with something called the facility rate. The same rate they give to people with a one star rating. They assured me I would earn a better rate after seven years of safe driving under their coverage. I switched to Progressive insurance. Showed them the fleet policy. They signed me up for 980.00 for the first year. 750.00 for the second. I lived in 905 so in my last year of driving I paid 580.00. This is just for liability of course. Whatever keeps me legal.

 

[pussylicker]

You said it. These guys have guaranteed business by law and absolutely no standard to live up to.

Don't be lazy, try to screw these people back in any way possible!

Sorry about your luck.

This is probably an unfortunate fact of life, but unless you want to get into an accident with some unsuspecting SOB, and sue his ass, you will never win with an insurance company. Unless you can get away with insurance fraud, they've got you by the short and curlys.

 

[pussylicker]

You guys (and girls) still pay insurance?????



I have many blank slips.........oopps.........I've said too much...

I hear the police are making random calls to insurance brokers to make sure you are in posession of a legit pink slip.

 

[Meister]

There are some excellent rates for professional grads and alumni. If you can provide proof of having graduated from eng, med, law or some of the other professional courses they will save your butt. As a matter of fact they are not that strict as long as you graduated from something.

http://www.melochemonnex.com/en/shop/auto

 

[Gawd]

You guys (and girls) still pay insurance????? I have many blank slips.........oopps.........I've said too much...

There are a lotta people driving without insurance... and I don't think it's a bad idea either! It's still cheaper to drive without insurance, get caught, pay fine, and that's it.

With insurance, get caught, premiums go up, keep paying the same amount of money (or more) to keep insurance... as compared to one-time penalty payment.

What's worse is that residence location factors in heavily, when I shopped for quotes, one broker told me I was lucky to live in my particular postal code, cuz if I had lived one block north in another code, my rates would've jumped $500!

And here's another thing... why should I be penalized for other people's actions just because they're the same demographic as me? (Age, Ethnicity, etc.) In BC insurance rates are based on you and you alone, that's the way it should be.

Bastards.

 

[pussylicker]

There are a lotta people driving without insurance... and I don't think it's a bad idea either! It's still cheaper to drive without insurance, get caught, pay fine, and that's it.

?????????
2nd fine is higher, and you could serve jailtime.

With insurance, get caught, premiums go up, keep paying the same amount of money (or more) to keep insurance... as compared to one-time penalty payment.

The objective is don't get caught with a driving infraction, so your rates don't go up. Once they know you don't have insurance, they start looking for you. So you could end up with more than one fine, and loss of license.

What's worse is that residence location factors in heavily, when I shopped for quotes, one broker told me I was lucky to live in my particular postal code, cuz if I had lived one block north in another code, my rates would've jumped $500!

And here's another thing... why should I be penalized for other people's actions just because they're the same demographic as me? (Age, Ethnicity, etc.) In BC insurance rates are based on you and you alone, that's the way it should be.

Bastards.

Why shouldn't location factor into better rates? Why should I pay for other people's actions when I don't see 40,000 cars a day?