Car Insurance: What are your experiences?

Basically, if the paperwork says you've lost your coverage rights, you're still on the hook to pay before things go into subrogation, but if it explicitly states an exclusion, then there’s no payment required.

As for interest, I think it really just comes down to whatever was agreed upon upfront; if someone decides to dodge a payment and ends up getting sued, they'll likely end up covering the legal fees along with the interest too.

So, I’ve run into a bit of a situation with my car registration. Even though I’m the one actually driving it every day, the vehicle and the insurance policy are still officially under my dad's name. Since I’m currently living over in Germany, I was wondering if there's any way he could transfer both the insurance policy and his no-claims bonus over to me? I'm really hoping there's a way to have that discount recognized here so I'm not getting hit with massive premiums from scratch. Thanks for any help!

Just wanted to drop a quick heads-up: Allstate is refusing to pay out on my liability claim.
So, I had this minor fender bender with a taxi driver—definitely his fault, too.
We filled out the standard European accident report right there on the scene. But when I went to Allstate to file? They straight up told me my claim was baseless! 👍
Even though we’re talking about a tiny amount, maybe around $667, they won't budge.
They know nobody’s going to waste time suing them over $667. My big tip? If this happens to you, take photos of the crash and the damage to BOTH cars! That way, they can't argue a thing.
The other driver can't change their story later either...

Honestly, these guys are just thieves taking advantage of how slow the legal system moves. The government basically lets them get away with it because everything takes forever.
I bet even the politicians are getting kickbacks for letting insurance companies screw over regular people!
Long live the Republican Party, long live the Democratic Party, and long live the Bridge Party! 😵😵😵

Does a taxi driver downplay an accident just to dodge liability, or maybe they're just trying to cover their own tracks? I mean, why on earth would anyone think nobody would sue if there was actual damage from $667? Honestly, you should probably just go see a lawyer, because that $2,000 settlement will likely jump up to $5,000 or even more once you start accounting for all those little details that most people wouldn't even think to claim from 😁

ambertiger57 said:Just wanted to drop a quick heads-up: Allstate is refusing to pay out on my liability claim.
So, I had this minor fender bender with a taxi driver—definitely his fault, too.
We filled out the standard European accident report right there on the scene. But when I went to Allstate to file? They straight up told me my claim was baseless! 👍
Even though we’re talking about a tiny amount, maybe around $667, they won't budge.
They know nobody’s going to waste time suing them over $667. My big tip? If this happens to you, take photos of the crash and the damage to BOTH cars! That way, they can't argue a thing.
The other driver can't change their story later either...

Honestly, these guys are just thieves taking advantage of how slow the legal system moves. The government basically lets them get away with it because everything takes forever.
I bet even the politicians are getting kickbacks for letting insurance companies screw over regular people!
Long live the Republican Party, long live the Democratic Party, and long live the Bridge Party! 😵😵😵

Local cops don't even want to bother filing official reports because they can't be bothered; insurance companies won't recognize hand-written reports and drag their feet on payouts. It's rare for people involved to actually agree on what happened, the courts are incredibly slow and useless, but hey, as long as you keep paying your premiums, right?
What's even the point of having insurance...
If you don't move your car, the cops will fine you; if you do, they won't bother making a report or finding witnesses for a potential court case. You aren't supposed to have a dashcam, and if you do, you can't even use it as evidence in court. Ideally, the insurance adjuster should show up and photograph everything on-site so there's no lying later, but there's zero requirement for that in the law. The police aren't doing their jobs, insurance isn't doing its job, the courts aren't doing their job, and lawyers are just another elite class designed to pick your pocket. This whole country is a joke—a total playground for scammers...
By the way, I'm done with Vienna myself... they started messing with my bonus...

Here’s a link detailing my own nightmare experience with Allstate.
Things aren't going to improve anytime soon unless we actually force insurance companies to pay out legitimate claims.
Right now, they just bulldoze through everything, ignoring the law whenever it suits them. I guess Congress needs to step in and pass some real legislation regarding this. For instance, if you sue an insurer and win because they were clearly in the wrong, they should be hit with punitive damages—maybe even 100 times the original claim. Business ethics in the American insurance industry are basically non-existent; most of these companies are just predatory.

Michelle Sanchez84 said:Here’s a link detailing my own nightmare experience with Allstate.
Things aren't going to improve anytime soon unless we actually force insurance companies to pay out legitimate claims.
Right now, they just bulldoze through everything, ignoring the law whenever it suits them. I guess Congress needs to step in and pass some real legislation regarding this. For instance, if you sue an insurer and win because they were clearly in the wrong, they should be hit with punitive damages—maybe even 100 times the original claim. Business ethics in the American insurance industry are basically non-existent; most of these companies are just predatory.

We need independent assessments!

Michelle Sanchez84 said:Here’s a link detailing my own nightmare experience with Allstate.
Things aren't going to improve anytime soon unless we actually force insurance companies to pay out legitimate claims.
Right now, they just bulldoze through everything, ignoring the law whenever it suits them. I guess Congress needs to step in and pass some real legislation regarding this. For instance, if you sue an insurer and win because they were clearly in the wrong, they should be hit with punitive damages—maybe even 100 times the original claim. Business ethics in the American insurance industry are basically non-existent; most of these companies are just predatory.

But what would actually happen then? Say you have a $200 claim, and the insurer just refuses to ever pay you because, I guess, it's financially smarter for them to just lose a customer than to actually cover the damage. 😁 (And if 25 out of 30 major providers follow that same playbook, you can't even rely on bad publicity working, since people won't exactly go out and pay 50% more for premiums just to find a "good" company.)

I suspect that idea of forcing increased payouts wouldn't even get passed, mostly because companies would suddenly start being incredibly careful about how they handle claims and what they say when they deny them. Or rather, whether their statements align with the law, because then you could still end up...🙂

William Cox73 said:We need independent assessments!

That sounds good in theory, but it's a double-edged sword, I suppose, because adjusters have their own agendas and try to cut deals. So, the actual damage doesn't even matter as much as the adjuster's specific assessment, which is driven by their own subjective interests. Of course, most of them don't really care, so they might overvalue small claims, but for big ones, they stay realistic—though I've heard stories from larger clients about adjusters openly asking for bribes in exchange for a favorable report.

I have a quick question. I bought a new car this past Tuesday, and then yesterday, some lady in a parking lot totally ripped into me. After thinking about it—and talking it over with a few people—I feel like she's definitely the one at fault here. She’s insured through GEICO, we didn't end up calling the cops, and we just signed all those claim forms on the spot. They told me to wait for an adjuster to call, but I’m wondering what actually happens next? Like, what are my options or how does this usually play out? Thanks!

Wait, hold on, there are actually a few ways this could play out—you might end up in a formal confrontation or having to take photos of the cars exactly how they sat right after the impact. If the insurance adjuster finds anything even slightly fishy or unclear, they’re definitely going to ask questions. I mean, I once dealt with a situation where the damage heights just didn't line up at all, mostly because the other driver was coming off a sloped side street and hit us at an angle. To be totally honest, I used to work in that field for a bit, and I never actually heard anyone complaining about the process, though I guess back then they hadn't even been operating in America for six months yet.

Hey, quick heads-up: I was in a wreck recently. Not my fault, obviously. Called the cops, they did their thing and filed the report, then we headed over to the insurance company (think State Farm) once all the red tape was cleared. They sent me an offer, I took it, shot them an email, and everything was set... about 2.5 months ago.

The claim paperwork says the payout should happen within 15 to 30 days. So, what's the deal—should I expect some total bullshit, or can I actually breathe easy knowing the money will hit my account within that window?

I’m assuming that since they belong to the same parent corporation, the whole process should be identical. I guess I actually had to give them a bit of a nudge regarding the paperwork side of things—it was involving Walmart at the time—but honestly, the payout itself turned out exactly how they promised, both in terms of the amount and the timing. I don't usually like these guys and I could easily just sit here and tear them apart, but if I’m being fair, everyone was absolutely slammed back then dealing with all that flood damage from the spring of 2014, so it makes sense that the paperwork got backed up.

The real issue only arises if they start denying your claim or playing games; but if they’ve already officially acknowledged the damage and you’ve handed over every single document they asked for, I think you shouldn't have anything to worry about.

Hey, does anyone know if you lose your no-claims discount on car insurance if, say, the vehicle is taken off the road for 2 or 3 years and then you try to register it again?

Thanks!

Don't let that bonus go to waste! You can actually roll it right over onto your new ride. If you're looking for some solid quotes to compare, just shoot me an email at balas1@live.com. A good buddy of mine works over at State Farm and handles policies for several different providers, so he can pull together a bunch of options for you to look over—that way, you can sit back, weigh everything out, and decide exactly which path makes the most sense for you.

I mean, some people are still stuck dealing with those old three-year statutes of limitations, I guess. Then you’ve got others who have five or seven years to work with, and honestly, there are some folks out there who don't have any expiration date at all—you could probably claim a pension from the old era if you could actually prove you’re entitled to it and show all the right paperwork. 😁

Does anyone know which insurance providers actually allow you to transfer a no-claims bonus from a father over to his child? And if that happens, does the father get to hang onto his bonus too, or does it just vanish from his account once it's moved?

So, you've got companies like GEICO, Allstate, UnitedHealthcare, maybe even Progressive or Liberty Mutual, but I guess I'm just not entirely certain about the specific fine print regarding all their coverage terms (though I'd say I'm about 99% sure on the ones I mentioned, unless there are a few others I'm overlooking).

So, I was in a fender bender the other day. Some French guy in a rental car rear-ended me because he completely ignored a stop sign. We ended up waiting around for three hours for the police to show up, but when they finally arrived, they didn't even bother filing an official report. They just glanced at the standard exchange of information form we filled out, confirmed everything looked fine, and told me to just deal with his insurance company directly.
The guy actually admitted fault, so on Monday, I’m heading over to State Farm to hand over all my documentation.
Since this is my first time dealing with anything like this, I'm still figuring out how the whole process works. The damage isn't massive, but I am curious—will they cut me a check for the repairs, or will they actually handle getting the car fixed myself?

Kevin Newman3 said:So, I was in a fender bender the other day. Some French guy in a rental car rear-ended me because he completely ignored a stop sign. We ended up waiting around for three hours for the police to show up, but when they finally arrived, they didn't even bother filing an official report. They just glanced at the standard exchange of information form we filled out, confirmed everything looked fine, and told me to just deal with his insurance company directly.
The guy actually admitted fault, so on Monday, I’m heading over to State Farm to hand over all my documentation.
Since this is my first time dealing with anything like this, I'm still figuring out how the whole process works. The damage isn't massive, but I am curious—will they cut me a check for the repairs, or will they actually handle getting the car fixed myself?

I once got hit by a guy who was insured through CO.
We didn't bother calling the cops.

Instead, we went down to the CO office together, filled out the standard accident reports, and an adjuster
took a look at the damage to my car and wrote up a report right then and there.

We grabbed a coffee, and then we both went our separate ways.

A few days later, I received a letter from CO with a settlement offer based on their estimate.

I had the choice to either take the cash payout or have them cover the repair bills if I took the car to a shop myself.

I decided to take the money—I managed to pick up some parts almost for nothing,
so I actually had enough left over for a nice steak dinner and a few beers.
🙂

And honestly, I have to give CO credit; from the initial assessment to seeing the funds in my account, it took less than ten days.
The amount involved was roughly $2333.

Moderators, please delete this post. I found a more appropriate thread elsewhere.