General Car Conversation 2024
04-19-24, 06:17 PM
#3316
Lexus Champion
04-19-24, 06:36 PM
#3317
Lexus Fanatic
If we’re to believe what we’re told. I don’t believe you have filed multiple at fault collision claims within 2 years and have not seen a rate increase without some extenuating reason.
Bankrate doesn’t either:
https://www.bankrate.com/insurance/c...r-an-accident/
It’s also possible that it just hasn’t been factored into your renewal yet, but multiple collision claims will result in a rate increase, and could result in a non renewal. I suppose it’s also possible you have some sort of accident forgiveness rider
It would be wrong for your carrier to not raise your rates with multiple claims, because that means that drivers insured by your carrier who have no claims are subsidizing your claims in their rates.
Bankrate doesn’t either:
https://www.bankrate.com/insurance/c...r-an-accident/
It’s also possible that it just hasn’t been factored into your renewal yet, but multiple collision claims will result in a rate increase, and could result in a non renewal. I suppose it’s also possible you have some sort of accident forgiveness rider
It would be wrong for your carrier to not raise your rates with multiple claims, because that means that drivers insured by your carrier who have no claims are subsidizing your claims in their rates.
Last edited by SW17LS; 04-19-24 at 07:04 PM.
04-19-24, 08:36 PM
#3318
Lexus Fanatic
I can understand where AJT123 is coming from. Some insurance companies (GEICO is one of them) have a One-Accident-Forgiveness policy where you don't get higher rates for just one chargeable claim (or an at-fault accident) within, say, five years or so. It's true, as Steve points out, that insurance companies don't like to lose money.....but they also don't like angry customers that complain and give the company a bad name.
04-19-24, 08:46 PM
#3319
Lexus Champion
If we’re to believe what we’re told. I don’t believe you have filed multiple at fault collision claims within 2 years and have not seen a rate increase without some extenuating reason.
Bankrate doesn’t either:
https://www.bankrate.com/insurance/c...r-an-accident/
It’s also possible that it just hasn’t been factored into your renewal yet, but multiple collision claims will result in a rate increase, and could result in a non renewal. I suppose it’s also possible you have some sort of accident forgiveness rider
It would be wrong for your carrier to not raise your rates with multiple claims, because that means that drivers insured by your carrier who have no claims are subsidizing your claims in their rates.
Bankrate doesn’t either:
https://www.bankrate.com/insurance/c...r-an-accident/
It’s also possible that it just hasn’t been factored into your renewal yet, but multiple collision claims will result in a rate increase, and could result in a non renewal. I suppose it’s also possible you have some sort of accident forgiveness rider
It would be wrong for your carrier to not raise your rates with multiple claims, because that means that drivers insured by your carrier who have no claims are subsidizing your claims in their rates.
04-19-24, 08:48 PM
#3320
Lexus Champion
If we’re to believe what we’re told. I don’t believe you have filed multiple at fault collision claims within 2 years and have not seen a rate increase without some extenuating reason.
Bankrate doesn’t either:
https://www.bankrate.com/insurance/c...r-an-accident/
It’s also possible that it just hasn’t been factored into your renewal yet, but multiple collision claims will result in a rate increase, and could result in a non renewal. I suppose it’s also possible you have some sort of accident forgiveness rider
It would be wrong for your carrier to not raise your rates with multiple claims, because that means that drivers insured by your carrier who have no claims are subsidizing your claims in their rates.
Bankrate doesn’t either:
https://www.bankrate.com/insurance/c...r-an-accident/
It’s also possible that it just hasn’t been factored into your renewal yet, but multiple collision claims will result in a rate increase, and could result in a non renewal. I suppose it’s also possible you have some sort of accident forgiveness rider
It would be wrong for your carrier to not raise your rates with multiple claims, because that means that drivers insured by your carrier who have no claims are subsidizing your claims in their rates.
That said though why would I lie??? You specifically kept saying "they're gonna drop you" and I kept saying "no they aren't." It's rude to basically call someone a liar.
Also my insurance just renewed in February
, wrong there too. It's my homeowner's insurance that's gone up, not car. But apparently homeowners insurance has increased for everyone.I'd really not like to be asked to leave this thread bc that's what's next. If you don't believe me, fine.
Last edited by AJT123; 04-19-24 at 09:09 PM.
04-20-24, 05:21 AM
#3322
Lexus Fanatic
I was with Allstate for 15+ years, and when I shopped around I was paying dramatically more than I had to be, when I switched to Progressive it was 2/3rds cheaper.
Now over the last year or so I have had two claims, my wife’s at fault collision claim and we had a water claim in our house. Rates went up dramatically on both (part of that is rising rate climates in general), so I shopped it around again and rates everywhere else are much higher than I am paying now because of the claims.
Point is you’re gonna pay for claims one way or the other, so be careful what you file a claim for.
Last edited by SW17LS; 04-20-24 at 06:18 AM.
04-20-24, 05:42 AM
#3323
Lexus Fanatic
Let me know if you want me to get you a local referral for PDR from my guy.
04-20-24, 11:41 AM
#3324
Lead Lap
on a more chill note than rising insurance rates, best of luck to those 'celebrating' today 
04-20-24, 01:30 PM
#3325
Lexus Fanatic
I’m in NJ with my wife’s family. Unfortunately my “celebratory” items are at home lol
04-20-24, 01:39 PM
#3327
Lexus Fanatic
04-20-24, 01:41 PM
#3328
Lead Lap
04-20-24, 01:53 PM
#3330
Lexus Fanatic
I like how you incorporated a car in that GIF so it stays on topic!