True this.
BUT - someone please explain why my 3 cars all have different liability rates? And why liability isn't insured by DRIVER? Seems like a ripoff to me.
BUT - someone please explain why my 3 cars all have different liability rates? And why liability isn't insured by DRIVER? Seems like a ripoff to me.
I already explained it was much cheaper to put her on our policy than her own did you not see that? How about you raise your kids the way you want and I'll raise mine the way I want and since we don't know each other we will just assume each other is correct ok?
different cars do different amounts of damage on impact thus the different liability rates, med pay rates, UM/UIM rates.... And liability is assessed by driver, or at least sort of, which is why rates skyrocket when a kid gets his license, his rate mixed into the policy blows it up... when he moves out or grows up the rate goes back down. Been up and down that roller coaster, twice.
But yes, still a ripoff
Good thing I didn't quote your post and wasn't directing my comment to you then since this seems to be a sensitive topic for you. I didn't tell you to do anything with your kids.
When people register their car they have to show proof of insurance. So a lot of them get insurance never pay the premium. They get dumped ride around uninsured. That is why my insurance costs so much most of it is for coverage for uninsured assholes who might hit my cars.
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ding ding ding ding
most people automatically jump to the (wrong) conclusion that lawyers are solely to blame for insurance rates. While claims and lawsuits do cost money, for sure, they're usually commensurate with damages done which is exactly the purposes of lawsuits/claims. I know people don't want to hear that, it's far easier to explain away things that piss you off by identifying a target boogieman, and lawyers are probably the most famous of all of those, but it is what it is, & what it is - is - there are dramatically fewer 'frivolous' lawsuits that people believe there are, far fewer. I've had a front row seat to the industry for over 30 years so my opinion is based in reality rather than dribs and drabs of anecdotal evidence that form the basis of the average Joe's opinion.
The sheer massive and growing volume of uninsured drivers impact your premium and my premiums greatly. We (people that buy insurance) are subsidizing the entire population of insured and uninsured drivers, much in the same way credit card interest rates have to factor in and cover the anticipated and actual losses from those that default.
egclassic
TJ Enthusiast
This is so true!!
However, I just switched to State Farm 6 months ago. 4 months in, I was on my way home from work at 1:30am and hit a damn deer on the highway in my 2006 Toyota Corolla. No frame or mechanical damage, just a hood, fender and bumper cover. Thought I was screwed because I never "fully" insure older vehicles, turns out, my agent had added comprehensive to all 4 vehicles on the policy so it was covered.
Well, the damage exceeded what they were willing to pay to repair by $150 so they totaled it. I kept the car and they gave me MORE than the estimate to repair it, WTF? Got it fixed, all is good and then my policy renews, Premiums increased by $140/ 6 months. Time to pay back my damn loan!
Now to the OP, I was always told if you have assets, cover your ass! If you cause an accident with some shitbag carrying no insurance, or state min, they will sue the shit out of you because you have assets! I carry very high Liability, but not "Full" coverage on most of my vehicles. JMO
Just to follow up on this. I took every reply very seriously and have made steps to cover my ass a ton more than the legal requirement. I appreciate everyone taking the time to respond.
That's State Farm for you, they LOVE to total vehicles. I have certain knowledge of a Volvo with $1,800 damage that they "totaled" for $3,600!
For the first time in almost 50 years, I no longer have State Farm insurance. At one time, State Farm provided auto. motorcycle, home owners, and life insurance policies for me and my wife.
They screwed up our life insurance policies about 30 year ago and the policies lapsed without my knowledge. We got life insurance elsewhere. Shortly after that, we took our home owners elsewhere. About 20 years ago we moved our car insurance.
State Farm was hard to beat for motorcycle insurance. Two years ago, I finally had a claim. Initially they denied it, but I was more focused on my physical injuries to get too involved in the motorcycle damage claim. About two months later, I'm starting to heal and dig into the claim. Also about that time, my claim gets forwarded to the PA insurance commission. It seems, if a claim doesn't get paid in so many days, they get involved.
Within two days I received payment. Not only for my motorcycle, but also for my riding gear, towing, and storage. The last two items, they originally said weren't covered.
When I bought a replacement motorcycle (March 2022), my State Farm agent was doing the no "in person" meeting/everything by email because of Covid BS. That was the last straw.
I was with them for 39 years until six months ago. Got tired of being beat about the head and shoulders by them - if they wanted some information from me, instead of just asking me for it, they'd send a cancellation notice because the didn't have the info! The local agent was really good, but I just got tired of all the bullshit and ever higher prices.
