More insurance advice from the collision guy...

[southern151]

Read your auto insurance policy closely!

Please, for your sanity and, wallet, take the time to understand your auto coverage. Twice in the last two weeks, I have seen accidents not paid due to "excluded driver" clauses. If you aren't sure if there are excluded drivers on your policy, first make sure that potential person doesn't get behind the wheel of your vehicle. Second, contact your agent to find out if you have these types of clauses in your policy. If you don't have an agent because you "saved" 15%, get an agent and, cancel your policy with the computer crowd!

These two wrecks I speak of start at $4500 in repairs. The second was an 8 month old Toyota Camry that had over $16k in repairs. The insurance companies are paying not one red cent on either claim! Just think, the $16k repair is clearly a total loss but, the lady only has 52 more months to pay on a totaled vehicle now!...She saved $20/mo by doing exclusions. That's gonna take a while to pay off.

In short, know your policy inside and, out! Get a good agent too! It could save you a helluva lot more than 15%!!

[all star rod]

Thanks for the heads up. I just changed all my insurances (1 month ago) from State Farm to USAA I will check on this.

[southern151]

Originally Posted by all star rod

Thanks for the heads up. I just changed all my insurances (1 month ago) from State Farm to USAA I will check on this.

Go over every inch of that policy! I'm not a huge fan of USAA from the collision center aspect. They figure aftermarket parts on everything, even brand new vehicles, unless you pay for additional coverage. Also, make absolutely sure, if you need it, that rental is on your policy. I have a customer now who ordered roadside service and, the works and, still, USAA didn't put rental on there. Now, he will be out of his truck for a couple of weeks, paying rental on his own, even though he asked for "all the bells and whistles!"

[Matt G]

Man that's rough! Hopefully you get paid. I may pay more, but my agent is always there when I need him and my coverage has always come through for me.

In your professional opinion, I just recently paid off my truck and no longer NEED full coverage. Should I drop full or it's a good saftey net to keep?

[Jordan]

I have progressive. Filed a claim a few years ago when my GF hit a hog. Nissan dealership worked well with my incurance. Gave me a rental (even tho my plan has no rental) and all is well now.

[all star rod]

Originally Posted by southern151

Go over every inch of that policy! I'm not a huge fan of USAA from the collision center aspect. They figure aftermarket parts on everything, even brand new vehicles, unless you pay for additional coverage. Also, make absolutely sure, if you need it, that rental is on your policy. I have a customer now who ordered roadside service and, the works and, still, USAA didn't put rental on there. Now, he will be out of his truck for a couple of weeks, paying rental on his own, even though he asked for "all the bells and whistles!"

I have always heard peeps that USAA was great since it for veterans. Heck even the state farm guy we had our insurance with said they are top notch. I do know I have car rental since this was one of the items I went over with them (USSA) on. I basically took my state farm policy went over line by line with USSA to make sure I had the same coverage. But I will double check.

[southern151]

Originally Posted by Matt G

Man that's rough! Hopefully you get paid. I may pay more, but my agent is always there when I need him and my coverage has always come through for me.

In your professional opinion, I just recently paid off my truck and no longer NEED full coverage. Should I drop full or it's a good saftey net to keep?

Matt, if you don't have the money in the bank to replace that vehicle tomorrow, don't drop your full coverage. Here's what I tell customers...If you can't write a check for what it takes to replace your vehicle and, not flinch when you write it, don't drop full coverage. If it's a 1988 Toyota Corolla, I'd go minimum on it but, if it's a 2005 or up pickup, it's worth a good bit of money and will cost that money to replace it.

[breambuster]

we have 21st century and I don't have one nice thing to say about them at all. i've had to call and request proof insurance cards three times. will be going back to allstate soon

[Matt G]

Originally Posted by southern151

Matt, if you don't have the money in the bank to replace that vehicle tomorrow, don't drop your full coverage. Here's what I tell customers...If you can't write a check for what it takes to replace your vehicle and, not flinch when you write it, don't drop full coverage. If it's a 1988 Toyota Corolla, I'd go minimum on it but, if it's a 2005 or up pickup, it's worth a good bit of money and will cost that money to replace it.

Thanks for the advice. It's an '08 Silverado and I would damn sure flinch if I had to write a check for another one!

[PathfinderNI]

the insurance business although not P&C, and I know you can't really afford to insure everything you have for every kind of calamity that may happen out there. I've dropped my collision as both of my vehicles are paid for, and I don't plan on being in the wrong if I have an accident, lol.... As a Christian, there is a point where I just have to trust that the Lord is in control and will take care of me should something happen.

[southern151]

Originally Posted by PathfinderNI

the insurance business although not P&C, and I know you can't really afford to insure everything you have for every kind of calamity that may happen out there. I've dropped my collision as both of my vehicles are paid for, and I don't plan on being in the wrong if I have an accident, lol.... As a Christian, there is a point where I just have to trust that the Lord is in control and will take care of me should something happen.

I appreciate your faith and, confidence! While I have the faith, I also have the insurance. Too many bad drivers over here where I'm at. Too many uninsured drivers also!

[Goooh]

Originally Posted by PathfinderNI

the insurance business although not P&C, and I know you can't really afford to insure everything you have for every kind of calamity that may happen out there. I've dropped my collision as both of my vehicles are paid for, and I don't plan on being in the wrong if I have an accident, lol.... As a Christian, there is a point where I just have to trust that the Lord is in control and will take care of me should something happen.

As a Christian myself, I believe Murphy's law is just as real as the creator, and is just as omnipresent. I trust The Lord to bless me with enough money to continue carrying the coverage needed to get me out of a bind when Murphy shows up.




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[Bdub]

Originally Posted by PathfinderNI

the insurance business although not P&C, and I know you can't really afford to insure everything you have for every kind of calamity that may happen out there. I've dropped my collision as both of my vehicles are paid for, and I don't plan on being in the wrong if I have an accident, lol.... As a Christian, there is a point where I just have to trust that the Lord is in control and will take care of me should something happen.

You may not plan to be in the wrong...but you can still end up in the wrong. I had a truck pull a U-turn from the right lane on me while I was in the left lane...I was in the wrong because I hit the rear end of his truck, I only had liability and it sucked. I plan on always having full coverage. I'm also in the collision business and a deductible would still be cheaper than having to pay out of pocket to make repairs on most damage. I would get paid properly to repair my vehicle and be able to actually come out ahead if something came up...hypothetically speaking.

[iron man]

I just dropped the 15% people because they overlooked me being stationed in Virginia and not Louisiana. Start with usaa September 3rd. I'll definitely be reading my policy over and over again and asking questions.

[Msucowpoke51]

Originally Posted by Goooh

As a Christian myself, I believe Murphy's law is just as real as the creator, and is just as omnipresent. I trust The Lord to bless me with enough money to continue carrying the coverage needed to get me out of a bind when Murphy shows up.




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Lmao .. thats a great way of looking at it!!

[Raymond]

Originally Posted by breambuster

we have 21st century and I don't have one nice thing to say about them at all. i've had to call and request proof insurance cards three times. will be going back to allstate soon

Call me first thing Monday morning with your information, our agency can fix your service issues.

[Raymond]

Originally Posted by Goooh

As a Christian myself, I believe Murphy's law is just as real as the creator, and is just as omnipresent. I trust The Lord to bless me with enough money to continue carrying the coverage needed to get me out of a bind when Murphy shows up.




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Right, 40% of Louisiana drivers have min limits or no limits. There are ways to combat this fact without going into insurance debt.