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Car Forum / Subaru Cars / June 2005claiam and premium increase
If there is a ng for ht ekind of question I am about to ask, please direct me to it. In the mean time, my question is "would claiming the damage cause by my hitting a curb increase my premium?" I hit a curb last September and there was some dent and paint scrathes on lower left fender and the lady at autobody place was suggesting me to get the repair done - I would pay deductible 500 - but I am concern that doing so would raise my premium". She told me to call the insurance and asked about it but I can't ask w/o the insurance finding out about it so I am asking here how that would affect my future premium. > If there is a ng for ht ekind of question I am about to ask, please > direct me to it. This is *not* it. This newsgroup is blessedly free from off-topic discussions and when you get into non-Subaru specific insurance and legal issues, you are off-topic and are a distraction to many of us. I don't know what newsgroup would be on-topic and it's not our job to find it for you. *please* restrict your posts to Subaru-specific inquiries. That's what the group is for. Not only is this an insurance and legal issue that should not be on this NG. We don't have enough information for anyone here to advise you. Insurance companies have general policies but those polices are overridden by state laws such as NO FAULT States. >> If there is a ng for ht ekind of question I am about to ask, please >> direct me to it. [quoted text clipped - 11 lines] > *please* restrict your posts to Subaru-specific > inquiries. That's what the group is for. > Not only is this an insurance and legal issue that should not be on > this NG. We don't have enough information for anyone here to advise > you. Insurance companies have general policies but those polices are > overridden by state laws such as NO FAULT States. I don't mind discussing automobile related items but have to agree with another's comment that poor Amanda is a "drama queen" ;( Frank Why wouldn't she be? She's on the staff of the Car Talk show: Amanda B. Reckonedwith. > We don't have enough information for anyone here to advise you. Well..what if someone had the same experience and could give some info? Before I posted here, I ALREADY called customer service of my insurance company but the guy couldn't tell me. That's how knowledgeable peopel are of their field nowadays. Then, last night, I posted the question to all the surrounding classmates (in Java programming class; BTW, no one said it's unrelated to the course) sitting near me and found out that it depend and insurance company. So this morning, I called customer service again but mainly to make a point that when some one is moving (busy to bother with checking mail and stuff), they need to give customers more time to make the payment on difference balance on premium increase due to new address, instead of charging late fees for meager amount increase. After getting nowhere (being put on hold), at the 3rd try, I finally got a lady knowledgeable enough to give me the info about threshhold. >Insurance companies have general policies but those polices are overridden by state laws such as NO FAULT States. I found that out ACCIDENTALLY ONLY 1 1/2 ago when talking with another insurance company when doing price comparison (for my sister) between my compnay and hers. The CSR of hers told me when I used the word "how much is your threshold" that it's state regulation. I amazed that most people who grew up here don't know squat about things I would know had I been raised in this country. > I amazed that most people who grew up here don't know squat about > things I would know had I been raised in this country. Then you *must* be smart enough to find a better newsgroup for your information. > Well..what if someone had the same experience and could give some > info? You need to post more details then...time of day, street name, wet/dry, color of car, type of tires, passengers & names, inflation pressures, that sort of stuff. > Before I posted here, I ALREADY called customer service of my > insurance company but the guy couldn't tell me. That's how > knowledgeable peopel are of their field nowadays. If you don't provide the info, who can tell? > Then, last night, I posted the question to all the surrounding > classmates (in Java programming class; BTW, no one said it's unrelated > to the course) sitting near me and found out that it depend and > insurance company. Well, that doesn't help much, does it? > So this morning, I called customer service again but mainly to make a > point that when some one is moving (busy to bother with checking mail > and stuff), they need to give customers more time to make the payment > on difference balance on premium increase due to new address, instead > of charging late fees for meager amount increase. You should probably call them more often...two to three times a day would probably get you the respect you deserve. > After getting nowhere (being put on hold), at the 3rd try, I finally > got a lady knowledgeable enough to give me the info about threshhold. [quoted text clipped - 5 lines] > my compnay and hers. The CSR of hers told me when I used the word "how > much is your threshold" that it's state regulation. And remarkably, I'd suppose it all depends on *what* threshold they were talking about. > I amazed that most people who grew up here don't know squat about > things I would know had I been raised in this country. Are you some kind of uber-hotty, or is Daddy stinkin' rich? >> Well..what if someone had the same experience and could give some >> info? >You need to post more details then...time of day, street name, wet/dry, color of car, type of tires, passengers & names, >inflation pressures, that sort of stuff. I'd say that if I knew enough to include all that, I would already knew enough not to ask the original question. >> Before I posted here, I ALREADY called customer service of my >> insurance company but the guy couldn't tell me. That's how >> knowledgeable people are of their field nowadays. >If you don't provide the info, who can tell? Info was that I hit a curb (not to hard) and some dent and scarth on paint. >> Then, last night, I posted the question to all the surrounding >>classmates (in Java programming class; BTW, no one said it's unrelated >> to the course) sitting near me and found out that it depend and >> insurance company. >Well, that doesn't help much, does it? It wasn't helpful too much but it made me give info about my poliy number when asking my insurance company. <snip for brevity> >You should probably call them more often...two to >three times a day would probably get you the >respect you deserve. Guess what. I was about to make claim, but the lady told me to ask C S to make sure that it wouldn't compromise my god driving discount. So I did again and this time, the CS representative told me something different from yesterday. A while later, I decided to call the claim and asked that exact same question and she told me that he's wrong and the previous info I got (from the knowledgeable lady) was correct. > After getting nowhere (being put on hold), at the 3rd try, I finally > got enough to give me the info about threshhold. <snip> > And remarkably, I'd suppose it all depends on *what* threshold they were talking about. Yesterday, I was talking on behalf of my sister with her insurance company to clearify her coverage and I asked this question. She was the one who said it's not set by insurance company. It's the same for ll. As long as the insurance pay less than 1000 (for the demage) after deductible, it won't increase ppremium in this state. >> I amazed that most people who grew up here don't know squat about >> things I would know had I been raised in this country. Are you some kind of uber-hotty, or is Daddy stinkin' rich? What's that supposed to mean? I was talking about knowledge. Knowledge is power. > What's that supposed to mean? I was talking about knowledge. Knowledge > is power. Amanda, While we've TRIED to help you with Subaru specific topics, it seems you need to add a few more items of "knowledge" to your inventory, so let me help you if I can: 1. This is a SUBARU group. We talk about Subies. While some conversations take interesting tangents, it's still Subarus that bring us here. Insurance, revocation of driving privileges, slams on the intelligence of the members--all are off topic and aren't generally appropriate, if they're tolerated at all. 2. The people here are GENERALLY well-behaved, polite and helpful. But they ARE people, which means they have nerves, including a "last" one. Most will give some hints that a poster is getting close to the edge. Others may not, but ALL can become rather perturbed and less than polite if an offending poster doesn't seem to get the message to "fuggedaboudit." 3. When you need legal advice, you consult an attorney. If he/she doesn't give you what you want, you get a new one. When you want insurance policies, information about same, claims info, etc., you consult an insurance company. If they don't give you what you want, you get a new one. If there's a serious problem with an insurance company, the State of California has an insurance commissioner to handle complaints. While his office may be reached thru the Internet, it's NOT available thru this newsgroup. 4. The more one says about something, the more likely one will stick a foot in one's mouth. This seems especially noticeable when one is complaining. I agree that knowledge is power, so let's condense this to empower you: you've been going on and on about something that's off topic, boring and hasn't improved your position with the group. If you want to talk about Subies, please stick around and talk about Subies. If you can't seem to keep your discussions to that subject, please take this new found knowledge and power yourself out of here! Thank you! Rick > > What's that supposed to mean? I was talking about knowledge. Knowledge > > is power. [quoted text clipped - 39 lines] > > Thank you! Wow..that's a long post. I may read all that later (Right now, I need to buy *the car*) ... may be after the semester but the way my luck has been, I may not have that luxury. I really didn't intend to make this thread gets long but I don't think any logical person would agree that some people contribute to it as well. I understand that people have nerves but do some of these people really have to take it out on others which seem to be the case in usenet? My skin is thick now UNlike when I started posting (not with this username), coincidentally, around 9/11 in soc.culture.egypt to learn some ancient egyptian cutlure. Anyway, I am curious to know whether anyone bought 2005 Subaru 2.5GT 4 Dr Sedan (utomatic) lately and HOW MUCH they paid for it, WHEN they bought it, and WHERE (state) was it bought. Since I got delayed in my purchase, I might as well wait a few weeks more till 2006 comes out which I heard would be end of July. [Not interested in buying 2.5i anymore for personal reason though would be curious about the price.] I won't be surprised if people don't want to be respond in this thread. > (Right now, I need to buy *the car*) I meant starting the process of talking with dealers very soon .. and finalizing the deal by end of July. In article <1119588330.777328.92910 @f14g2000cwb.googlegroups.com>, amanda992004@yahoo.com says... > I amazed that most people who grew up here don't know squat about > things I would know had I been raised in this country. And which country is that? This is a worldwide newsgroup. Assuming that someone is or is not from Australia shouldn't be necessary to answer your questions. In fact, not everything varies state by state, since not all countries have states like Australia does. Some don't even have that level of government at all.  SignatureCam '02 RS > In article <1119588330.777328.92910 > @f14g2000cwb.googlegroups.com>, amanda992004@yahoo.com [quoted text clipped - 3 lines] > > And which country is that? I think that the people in this ng who claimed to be annoyed with me know know I am in the state if California of USA. Notice that I spelled the state name instaed of giving abbreviation. > This is a worldwide newsgroup. > Assuming that someone is or is not from Australia shouldn't > be necessary to answer your questions. In fact, not > everything varies state by state, since not all countries > have states like Australia does. Some don't even have that > level of government at all. > > In article <1119588330.777328.92910 > > @f14g2000cwb.googlegroups.com>, amanda992004@yahoo.com [quoted text clipped - 6 lines] > know know I am in the state if California of USA. Notice that I spelled > the state name instaed of giving abbreviation. <SIGH> OK.....listen up Amanda......WAKE THE f.ck UP!....you are a pain in the a.s, you are clueless, you can't SPELL FOR sh.t. While the "Regulars" in here will be polite, I won't...... You are a yeast infection on legs.You waste time,space and bandwidth. Take your stupid diatribe (thats complaints to you) elsewhere. Ask your poor boyfriend (why he puts up with you is amazing) for help on this info. Call your mommy/daddy if they will listen to you. I sincerely hope you are one hot piece of a.s for him, as you are a pain in the a.s here. Go away you leach on society, your done...... The good doctor "Rasty" VERY amusing hearing all that blah blah from a troll. Stop wasting time, space, and bandwith you useless being to the ecosystem. > I amazed that most people who grew up here don't know squat about > things I would know had I been raised in this country. Amada, the rules are simple. Post Subaru-specific questions here. If you can't do that, just unsubscribe and leave us all alone. We read this group because we want to share information about our *Subarus*, not our insurance, accidents, or legal entanglements. If you can't play by the rules, please go away. > I amazed that most people who grew up here don't know squat about > things I would know had I been raised in this country. Something tell me Amanda....you cant find your a.s with both hands and a roadmap...... Your really getting boring...... In article <1119481015.900037.100330 @g47g2000cwa.googlegroups.com>, amanda992004@yahoo.com says... > If there is a ng for ht ekind of question I am about to ask, please > direct me to it. In the mean time, my question is [quoted text clipped - 6 lines] > finding out about it so I am asking here how that would affect my > future premium. Well, based on all the useful information you've provided, I can tell you with 100% confidence - Maybe. SignatureCam '89 RZ 350 >>Well, based on all the useful information you've provided, >>I can tell you with 100% confidence - Maybe. Thanks. Yes, someone finally was able to tell give the same answer. > If there is a ng for ht ekind of question I am about to ask, please > direct me to it. In the mean time, my question is [quoted text clipped - 6 lines] > finding out about it so I am asking here how that would affect my > future premium. How the hell do you hit the curb with the LEFT fender? Are you for real Amanda? For god's sake I hope your better in BED than you are on the road and in taking care of your personal problems. Your living proof that "Common Sense" is NOT so common. Just another day in the life of Amanda..the Drama Queen. > How the hell do you hit the curb with the LEFT fender? Are you that stoopid? Did you read "the damage caused by my hitting a curb" and understood it as hitting the curb with left fender? Go take your meds. >> How the hell do you hit the curb with the LEFT fender? > > Are you that stoopid? Did you read "the damage caused by my hitting a > curb" and understood it as hitting the curb with left fender? Go take > your meds. "I hit a curb last September and there was some dent and paint scrathes on lower left fender" That's where it came from. Most people would assume that if you hit a curb the damage to the car would be at and around the contact point. Why not try it for experience? Consider the variables of speed and force and types of curb one can hit. > Why not try it for experience? Consider the variables of speed and > force and types of curb one can hit. The point is that most damage ocures at the point of impact. >If there is a ng for ht ekind of question I am about to ask, please >direct me to it. alt.autos.amanda.die.die.die. > If there is a ng for ht ekind of question I am about to ask, please > direct me to it. In the mean time, my question is > "would claiming the damage cause by my hitting a curb increase my > premium?" I thought you wrecked the car in a different accident? <G> > I thought you wrecked the car in a different accident? <G> Yes, cosmetic damage when someone hit my car a month ago. The curb-hitting was from last October. And egges thrown was about 3 weks before the last accident (of May 19). The former under collison and the latter under comprehensive. I am considering to claim both now and cash out as I found out that my curb-hitting won't raise my premium since the cost of repair falls under the threshold value of $1000 (for this state) that insurance would pay. > > I thought you wrecked the car in a different accident? <G> > Yes, cosmetic damage when someone hit my car a month ago. [quoted text clipped - 5 lines] > since the cost of repair falls under the threshold value of $1000 (for > this state) that insurance would pay. I am sure your insurance company will enjoy reading this in print here. Are you really this stupid or did someone send you here as a "test"? > > > I thought you wrecked the car in a different accident? <G> > > Yes, cosmetic damage when someone hit my car a month ago. [quoted text clipped - 8 lines] > I am sure your insurance company will enjoy reading this in print here. > Are you really this stupid or did someone send you here as a "test"? If I'm reading this right, she's had about 3 accidents in a month. She should be an insurance expert by now ;) Frank > If I'm reading this right, she's had about 3 accidents in a month. She should be an insurance expert by now ;) You are NOT reading right. That's the problem with most people. I hope you are not a scientist by trade. The accident are: 1)Curb hitting: mid 2004 (My fault) (2)Back Bumper and Trunk door damage: March 2005 (Not my fault: hit while parked in a the parking lot downtown) (3) Eggs thrown: April 2005 (by Teenagers - most are from the school across the street - who routinely play at the basketball court facing my condo; probably did it because my neighbor asked me to come along when she went and told them around noon one day that they should be at school; I got in the car right after that hence they knew my car? I moved 31/2 weeks ago) (4) Latest accident: May 2005 (Not my fault) Only because of the last accident where the damage was "broken side view right mirror + body damage on the right bumper, right fender, front passenger side door (near the side mirror), rear passenger side door (the first contact with the other car) that I had NO choice but to learn about insurance coverage. I reported only 4 and 1 in that order. <IneedAmanDA@yahoo.com> wrote in message news:1119800360.007052.142600@g44g2000cwa.googlegroups.com... > > If I'm reading this right, she's had about 3 accidents in a month. She should be an insurance expert by now ;) > > You are NOT reading right. That's the problem with most people. I > hope you are not a scientist by trade. > > The accident are: (1)Curb hitting: mid 2004 (My fault) BECAUSE YOU DROPPED YOUR HOT DOG IN YOUR LAP (2)Back Bumper and Trunk door damage: March 2005 (BECAUSE YOU PARKED LIKE AN a.shole)) (3) Eggs thrown: April 2005 (BECAUSE YOU ARE THE NEIGHBORHOOD SNITCH AND NOSE) (4) Latest accident: May 2005 (BECAUSE YOU ARE A sh.t-MAGNET) > Only because of the last accident where the damage was "broken side > view right mirror + body damage on the right bumper, right fender, > front passenger side door (near the side mirror), rear passenger side > door (the first contact with the other car) that I had NO choice but to > learn about insurance coverage. Oh PLEASE.......you can't drive any better than you understand and communicate here. You should be riding the bus, but they want to charge you TWO rider-passes because you take up TWO seats. > > If I'm reading this right, she's had about 3 accidents in a month. She should be an insurance expert by now ;) > > You are NOT reading right. That's the problem with most people. I > hope you are not a scientist by trade. You are right. I'm not reading right - there are 4 accidents in recent history. It is not important whose fault they were. What I am saying is that if you have had 4 fairly recent insurance company encounters, then you should know better. And, yes, I am a scientist - a retired chemist still actively consulting. I also recall one of your dramas in sci.chem. Drama queen is an apt discription of you ;( Frank > you have had 4 fairly recent insurance company encounters, How can you be reading right to say about since insurance knows about only 2. I didn't even report about the eggs thrown (by teenagers) to the police. And you failed to differentiate between collison and comprehensive (vandalism). BTW, what's your definition of "recent"? As for your recall on what you call the drama in sci.chem, if you are decent enough to aknowledge, you would acknowledge about the contributor there, i.e the anti-environment troll there. I hope you won't pretend like you don't know whom I am talking about. I think you were the one who apologized on behalf of that troll chemist who seems to think he is so entertaining. > I am sure your insurance company will enjoy reading this in print here. They are not living off welfare to have time sitting all day long like you (partly probably because you can't get out of the chair easily with your 300 lb obese body) to be reading these posts. > > I am sure your insurance company will enjoy reading this in print here. > They are not living off welfare to have time sitting all day long like > you (partly probably because you can't get out of the chair easily with > your 300 lb obese body) to be reading these posts. Oh Jeez Amanda.......you REALLY do give a whole new meaning to a "Bum f.ck"......... God damn I hope your better in bed than you are at spelling, reading, comprehension. Somehow I think spending time with you in the sack would be like screwing a corpse. Go away tubby, your cottage cheese between your legs and under your armpits is getting pretty rank. You will *NEVER* find a boyfriend/hubby/fuckbuddy smelling like limburger cheese...... Go to your "insurance" group and cry on their shoulder....keep it a secret....you don't want ME there HAHAHAHAHA...... > If there is a ng for ht ekind of question I am about to ask, please > direct me to it. In the mean time, my question is [quoted text clipped - 6 lines] > finding out about it so I am asking here how that would affect my > future premium. Ask your agent. I had a small encounter with my garage a couple of months ago and was told by State Farm that a bill to them of something like $750 would raise my premium. I have $250 deductible and went to approved shop that I like to deal with and convinced them I did not need a new bumper cover and kept cost below $750 level. > Ask your agent. I was told that it's $1000. Later, I found out the amount is set not by insurance companies but by state regulations. I also have the option of not fixing it and take the cash. > > Ask your agent. > > I was told that it's $1000. Later, I found out the amount is set not > by insurance companies but by state regulations. > > I also have the option of not fixing it and take the cash. Get your story straight, you tell such fibs that even you cant keep track of them. Was the fender covered by collision? were the eggs (your neighbors know your a head case) covered...did you file it? are are you now going to file it...again? Did you already put the cash in your bra....er I mean pocket? Do you have a mattress strapped to your back? Does your boyfriend/parents/grandparents or room-mate know you write this crap on the computer? Have you considered counciling from a certified therapist?(NOT a Subaru owners NG) > Get your story straight, you tell such fibs that even you cant keep track of them. I know that I should not be wasting my time responding you but you entertain me so well with your trolling questions. > Was the fender covered by collision? Did I say fender or the lower corner of fender near the wheel? >were the eggs (your neighbors know your a head case) covered...did you file it? Would it help you sub-intelligent mind if I tell you about the basketball court across from my apartment where the children from the highschool across the street come and use all the time. Dah. >are are you now going to file it...again? Why not? The insurance lady think I should. That's what I was paying big bug for. Dah. >Did you already put the cash in your bra....er I mean pocket? I will put where I like sicko. >Do you have a mattress strapped to your back? Did you miss taking your meds? >Does your boyfriend/parents/grandparents or room-mate know you write this crap on the computer? Did you miss taking your meds? >Have you considered counciling from a certified therapist?(NOT a Subaru owners NG) Did you miss taking your meds? ENDING this thread.....by sharing how human beingsshould act but before I do that let me say that I was in a BIG hurry when I initiated the post in this thread, because I wanted to be over with all the crap and concentrate on things I wanted to do - I had a programing assignment due. Getting nowhere by rushing made me to just not rush anymore and just now I did a search and found out that there are people who posted insurance questions in the wrong group and that there are people who responded gently (like some people have done here). Sorry that I can't provide the link in order to prevent the troll from going to that newsgroup. l will only copy and past: - - - - - - - - - - - - - - > I am a 21 year old who along with my mother was hit from behind in a >light impact collision. > My mom has a history of back trouble and 2 years before, was hit in >another collision from behind. I have no history of back problems, but it >is getting worse since the collision. > We live in California and our Insurance company is State Farm. The lady >who hit us had State Farm. > It is now approaching a year and the claim will probably be settled >soon. Can you guys give me some advice on how to make sure I don't get >screwed and come out as best as I can? Boy, I think you are asking the wrong group of people here on the insurance industry newsgroup. Folks that participate here are some fine people in contributing their time but may be less than sympathetic with you most are in the insurance industry. Locate a good trial lawyer in your area that specializes in personal injury work. The good ones will speak with you at no expense and will not be trying to get independently wealthy by representing you. There is more to looking for a lawyer than choosing the one who has the biggest yellow page advertisement or the fanciest television ad. In addition lawyers who are general practioners doing all types of legal work like real estate, tax, corporate, estate planning, divorce, bankruptcy etc. may not be the best choice for your case. Normally I work with established members of the Association of Trial Lawyers of America and the state's trial lawyers association. Not only are they good lawyers but also very caring people. They will talk with you for free and will not be trying to get independently wealthy on your case. I founded http://prairielaw.com to help folks like you and your mother. One section of the site is a directory of screened plaintiff's lawyers - find one in your area.at http://www.prairielaw.com/cgi-local/hero.cgi . Best wishes & God Bless ENDING this thread.....by sharing how human beingsshould act but before I do that let me say (Here come the STUPID excuses)that I was in a BIG hurry when I initiated the post in this thread BLAH BLAH BLAH......... Jeez BITCH! get the message, you continue to post your drivel all over the place. Just GO AWAY, they don't want you, they don't like you, you are not entertaining. Just go play with your programming class, I'm sure you are great at that, considering you can't find your big fat a.s with both of your paws. GO AWAY "Sloth" jeez...what is it with these 300 pound females? Worry more about beefing up the springs on the left side of your car more than a few scratches and smashed LEFT fenders. For your big fat a.s you should be shopping for a vehicle powered by a cummings turbo diesel. Go trash that insurance group, I am sure they just ***LOVE*** you in there. Tell them ALL about your pathetic life. > ENDING this thread.....by sharing how human beingsshould act but before > I do that let me say (Here come the STUPID excuses)that I was in a BIG [quoted text clipped - 15 lines] > Go trash that insurance group, I am sure they just ***LOVE*** you in there. > Tell them ALL about your pathetic life. Hey Rastis Tell us how you *realy* feel. Cam > > ENDING this thread.....by sharing how human beingsshould act but before > > I do that let me say (Here come the STUPID excuses)that I was in a BIG [quoted text clipped - 21 lines] > > Cam Naw....I don't want to totally unload in here, might get messy hahahaha This is amusing. Two trolls attacking each other. -Kurt > ENDING this thread.....by sharing how human beingsshould act but before > I do that let me say (Here come the STUPID excuses)that I was in a BIG [quoted text clipped - 15 lines] > Go trash that insurance group, I am sure they just ***LOVE*** you in there. > Tell them ALL about your pathetic life. Just to make things messy, the answer is, "yes, it will". >If there is a ng for ht ekind of question I am about to ask, please >direct me to it. In the mean time, my question is [quoted text clipped - 6 lines] >finding out about it so I am asking here how that would affect my >future premium. There's a pattern to your posts: they're either off-topic or pose questions to which many answers are already available in archives. You're inciting flame wars in both instances and pushing worthwhile threads off the board. Please show some restraint. This isn't "Ask Jeeves." Sheesh. In article <1119984111.903665.318270 @g43g2000cwa.googlegroups.com>, lkreh@yahoo.com says... > There's a pattern to your posts: they're either off-topic or pose > questions to which many answers are already available in archives. > You're inciting flame wars in both instances and pushing worthwhile > threads off the board. Please show some restraint. This isn't "Ask > Jeeves." Sheesh. Some folks would say, "troll". |
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