• Welcome to OGBoards 10.0, keep in mind that we will be making LOTS of changes to smooth out the experience here and make it as close as possible functionally to the old software, but feel free to drop suggestions or requests in the Tech Support subforum!

Car Insurance/Totaled Car Question

Yeah. Child number two rolled our 20 year old Wrangler and wrecked the body/chassis but good. Fortunately he was OK.

The engine was fine. Took it to some recommended place but the cost to repair was crazy. So sold it to a savage company for about 2500 dollars, which I thought was reasonable.
 
had my car window bashed in a few years ago by some drunk on st patrick's day

checked in on my policy to see if it was covered, but the deductible was way high so i just paid out of pocket

switched to new car insurance and my rate got bumped up because I had a been flagged for a filed claim for the window, even though I never formally filed nor did I get any benefits


good system
 
JuiceCrewAllStar said:
had my car window bashed in a few years ago by some drunk on st patrick's day

checked in on my policy to see if it was covered, but the deductible was way high so i just paid out of pocket

switched to new car insurance and my rate got bumped up because I had a been flagged for a filed claim for the window, even though I never formally filed nor did I get any benefits


good system
Click to expand...

1709652648013.png
 
JuiceCrewAllStar said:
had my car window bashed in a few years ago by some drunk on st patrick's day

checked in on my policy to see if it was covered, but the deductible was way high so i just paid out of pocket

switched to new car insurance and my rate got bumped up because I had a been flagged for a filed claim for the window, even though I never formally filed nor did I get any benefits


good system
Click to expand...
I'd like more details on this.

Unless you called in to the insurance company and filed a claim there is no way they would know about it. Now sometimes if you file the claim, they go through with processing it, and then tell you that it's below your deductible, it will still show up on your record, but with nothing paid out. That CAN impact you as far as losing a "no accident/violation" discount (depending on the company).
 
what carrier is 'dinging' you for this and did they tell you that or are are you infering this?
 
Deacsfan27 said:
Unless you called in to the insurance company and filed a claim there is no way they would know about it. Now sometimes if you file the claim, they go through with processing it, and then tell you that it's below your deductible, it will still show up on your record, but with nothing paid out. That CAN impact you as far as losing a "no accident/violation" discount (depending on the company).
Click to expand...
yes, this is what happened, it seems -- I did go through the app and it was submitted as a claim, so I misreported what happened -- but there was no coverage and I still get dinged

ImTheCaptain said:
what carrier is 'dinging' you for this and did they tell you that or are are you infering this?
Click to expand...
carrier is Progressive

I had a rate at $XX for six months in the electronic application

i got to the step where they ran my records via LexisNexis and then the updated amount was $XX +$35 for the six months due to one claim on my record

I was then given the option to get the LexisNexis report for me (and wow, so much information is being tracked, back to my childhood home, email addresses I created when I was like 10 years old, etc.) and then LexisNexis sent me a paper mail that was a log-in to their electronic system to view all my records where I confirmed what was being reported


not big money, but the principle is annoying
 
You likely lost the claims free discount since a claim was submitted, even though it wasn't paid out.

That's why I always advise our clients to call us/check their deductibles before they file a claim with the company.
 
progressive sucks

i'm still dubious about this - the only thing the reecord pulled was the glass claim thing? that still doesn't track b/c im not sure they can pull a claims free discount for a zero paid claim anyway
 
this is the entirety of the claim information (for all/any claims) on my report

after they ran this report my six-month premium went up and it cited one claim

1709656964710.png
 
ImTheCaptain said:
progressive sucks
Click to expand...
of this i have no doubt

but as someone that doesn't drive very much and is making a risk assessment accordingly, i'm weighing bottom line pretty heavily over lots of other factors

i do find it hard to quantify things like customer service, claims processing, etc. when making decisions like this -- i'm willing to pay a premium for better service/engagement, but I couldn't really tell you how much -- plus, I'm generally at a significant knowledge/information deficit when looking into these things; I have no sense of how much coverage I actually need

an interesting corner of behavioral economics
 
Deacsfan27 said:
You likely lost the claims free discount since a claim was submitted, even though it wasn't paid out.

That's why I always advise our clients to call us/check their deductibles before they file a claim with the company.
Click to expand...

i don't know man, i just reviewed PGR's discount docs and it only refers to chargeable at faults. this is in PA. i've never heard of comp let a lone Glass Only claims as affecting a claims discount, with any carrier.
 
that is to say: it's not entirely clear what they consider "claim" vs "accident" b/c the FAQs and such sort of use them interchangably and i don't seem to have accesss to the internal Rules Manual like i do with other carriers
 
Removing the pink marker from that screen grab is not hard.
 
I’ve not had to file a claim but I’ve had no issue with progressive.
 
I've paid State Farm for auto coverage for 20 years and never had a claim. My rate went up 25% from this time last year, presumably so they can pay Patrick Mahomes, CP3, and Andy Reid's fat ass to appear in every third TV commercial. If their costs have gone up, it isn't because of me, I've been just sending them money for decades and never getting anything back. Fuck Jake, I'm out.
 
2&2 Slider To Leyritz said:
I've paid State Farm for auto coverage for 20 years and never had a claim. My rate went up 25% from this time last year, presumably so they can pay Patrick Mahomes, CP3, and Andy Reid's fat ass to appear in every third TV commercial. If their costs have gone up, it isn't because of me, I've been just sending them money for decades and never getting anything back. Fuck Jake, I'm out.
Click to expand...
So you have no idea how insurance (literally defined as a pooling of risks) works.

Good to know.

I cannot tell you how many conversations I have had with folks who have this mindset in the two years since it's become a hard market. It's just exhausting, but also not surprising that you're making this post.

The advertising budget has (almost) literally nothing at all to do with the rates as set forth by State Farm/approved by the state board/DOI/reinsurance facilities.

Let's say you've paid $2K every year for 20 years - you've given State Farm $40K total (not a small amount at all, I 100% understand that!). If you run a red light today and t-bone a family of 6 would you be ok with State Farm only paying out the money you have paid them since you started being a customer, or would you expect them to pay out to your full policy limits (hopefully $250K/$500K or $500K CSL) despite "only" paying them $40K?
 
You must log in or register to reply here.
Back
Top