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Old 12-29-2017, 03:53 PM   #1
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Default Insurance sure is a scam!

The 1st week of Dec, some lady changed lanes without looking or signaling and hit our car which my wife was driving. The lady then drove off without stopping. My wife followed her to her place of employment where the lady jumped out of her car and immediately exclaimed that she didn't feel anything. If somebody followed me to my workplace, the first thing I'd ask them is "Why are you following me?" It's pretty darn obvious she already knew why my wife had followed her.

Anyway, her insurance just gave us a check for a little over $2K but first subtracted 10% saying they determined my wife was 10% at fault. My wife was driving along minding her own business, their insured changed lanes, hitting our car in the process and somehow my wife is 10% at fault!? What a crock of bull!

So now it will cost me around $200 out-of-pocket to fix our car because of a piss poor driver.
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Old 12-29-2017, 04:58 PM   #2
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Default Re: Insurance sure is a scam!

Thats why i like Progressive. I have full coverage and no deductible. They fix me and take care of the "other" guy for me.I have had only one accident where they had to help me out and the service was really good. No, i am not a sales rep. Just saying. Before that i had GMAC and they helped me to! To bad GM had to go bankrupt and i forgot what chapter. Back in the late 80's i had a accident where the other guy was drunk and left the scene of the accident. I only had the other guy coverage. So i was on the side of the road without any help! I did manage to put it together enough to make the rest of the trip. What a headache!! After that i only have full-coverage. That way since. I have had a couple of other accidents and they helped me all the way. Can't say anything about other insurance companys. Its a pain to have to fight all that in court to get what you have coming. If you had a dash cam it might have helped. just idea...
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Old 12-29-2017, 08:18 PM   #3
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Default Re: Insurance sure is a scam!

The problem with having no deductible is that you pay MORE for your premiums. The insurance company gets their money either way!

If you're someone like me that very rarely is involved in an accident or other claim then you are better off with a deductible and hopefully will save enough over the years on your premiums to pay the deductible when needed.
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Old 12-29-2017, 08:52 PM   #4
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Default Re: Insurance sure is a scam!

I don't care about that but, ever have a 30 foot 5th wheel trailer behind your truck? If i am out there and have a breakdown or accident i want help not someone on the phone saying sorry, not covered. My coverage covers towing and if the trailer is damaged i get a motel room till i get it fixed or replaced. I get a rental car while truck is being repaired. Thats what ours covers. Kinda like "don't leave home without it". I know not everyone needs that kind of full-time coverage, but its pretty important to me.
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Old 12-30-2017, 09:15 AM   #5
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Default Re: Insurance sure is a scam!

WD - I have full coverage insurance as well but probably pay a lower premium for it than you do because I go with a $500 deductible. I'm sure you could get the same coverage you have right now for a lower premium, if you were willing to accept a $500 deductible. You have spoken in the past regarding how tight finances are for you, so it seems you would benefit from lower premiums.

Here's an explanation I gleaned from a financial website:

Won’t this cost me more in the long run? Many people who consider this ask themselves whether such a move will cost them more in the long run. After all, if they’re having to come up with a lot more money on each claim, are they really saving money overall?
The average homeowner makes an insurance claim once every nine years. If you raise your deductible on your homeowners’ insurance by $1,000, you only need to save about $120 a year in your premiums in order to create a net savings on average – and, likely, you’ll save a lot more than that.
Similar math exists for other types of insurance. The claims made are so infrequent that you only have to save a little bit on each insurance payment to make up for the additional cost on the deductible.
The key, though, is making sure you have the emergency savings to handle that higher deductible. If you don’t have that, make it a priority before you consider making changes to your insurance policies.

Regardless of whether you have a deductible or not, the insurance company is going to make money from you as they know all the statistics (just like casinos) and set things up so that they are NEVER on the losing end.

BTW, to answer your question, not a 30ft 5th wheel but have had a 30ft Travel Trailer behind my truck for many miles.
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Old 12-30-2017, 10:51 AM   #6
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Default Re: Insurance sure is a scam!

Yep, My trailer costs 30 bucks a month. Truck is 100 bucks a month. I think thats the lowest right now but i am always looking at other insurance company's. Am thinking about Good Sam Insurance right now. It maybe lower. Not sure right now. Yeah, i could drop the deductible down but With me being a fulltimer and travel its better to have it all covered. From what i remember it wouldn't save me all that much to drop the full coverage. With all the nuts around here because of the military base, it just isn't a good idea. So many people from different parts of the country here and they all seem to have different habits, I am better off with that too. There have been many hit and runs around here. That and theft. I think i am better off to leave it like it is.

---------- Post added at 09:51 AM ---------- Previous post was at 09:48 AM ----------

One other thing, I also have coverage for my storage shed and a fulltimers policy too. Thats kinda like a House policy. If someone breaks there leg or something on my space i am covered. With all i have don't think its all that bad.
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Old 12-30-2017, 12:34 PM   #7
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Default Re: Insurance sure is a scam!

Of course you need to decide what's best for yourself.

I have full coverage on my truck and trailer (full coverage means liability, comprehensive and collision). With a $500 deductible, I pay $64/month for my truck and $23/month for my trailer which works out to about $156/year LESS than what you pay. Assuming that insurance premiums are the same between Calif and TX (I'll bet premiums are higher in Calif as is most everything else), if I go 4 years without a claim, I'll be $124 ahead, each year with no claim after that adds $156. After 10 years with no claims I'd be $1500 ahead.
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Old 12-30-2017, 12:40 PM   #8
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Default Re: Insurance sure is a scam!

Do you full-time? or just use it for trips??

---------- Post added at 11:40 AM ---------- Previous post was at 11:37 AM ----------

Also, I am in Texas right now but am registered in Arizona. My mail forwarding address is in Florida. Confused??
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Old 12-30-2017, 12:56 PM   #9
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Default Re: Insurance sure is a scam!

Not full-time, just for trips. Doesn't matter for insurance purposes though. At least here in Calif, it's based on how many miles you drive per year.
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Old 12-30-2017, 01:21 PM   #10
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Default Re: Insurance sure is a scam!

Not in Arizona. You can drive 10 miles or 10000 miles all the same. Another thing i like about Arizona is you get a license that lasts from 21 to 65 years of age. About every 15 years or so they update the picture but thats all. If you don't use Phoenix or Tucson There is no emissions. you can get 1,2 or 5 year tags!! I love it when someone wants to see id and i break out my Az. license and the Florida address on it!! Makes heads turn a bit! Then if its the police and they bring it up on there computer that really turns there head! One of the fun things we have! Sometimes i love to screw with peoples heads!
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Old 12-30-2017, 01:51 PM   #11
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Default Re: Insurance sure is a scam!

I only have five words of wisdom.

Dash camera, front and back.

Though I guess it is too late now.

In the uk failure to stop after an accident is an offence. You may wish to find out if it is an offence where you are also.
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Old 12-30-2017, 02:56 PM   #12
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Default Re: Insurance sure is a scam!

It is but if they make "it" vanish...Well you know how that is...

---------- Post added at 01:56 PM ---------- Previous post was at 01:53 PM ----------

If they find you well, There is jail time and fines..if there are injuries or death, big time jail!! No insurance, you walk into there home and say Mine, big screen tv mine.. Nice car in driveway..mine..
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Old 12-30-2017, 05:12 PM   #13
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Default Re: Insurance sure is a scam!

Leaving the scene of an accident is certainly an offense here as well.

It's doubtful that a dash cam would have had any value in this situation. The insurance company claims my wife is 10% at fault because she didn't do enough to avoid the accident because she didn't honk the horn. We contend that she did the smart thing to avoid an accident which was to brake and swerve away. Unfortunately, there was an island in the center divide so she could only swerve so much before she hit the curb.

These are nonsense games insurance companies play because in order to fight them on it, we would need to hire a lawyer and sue them in court. Only a fool would hire a lawyer over $200. We may be able to sue the driver of the other car in small claims court to attempt to recover the $200 we were short changed by the insurance company.
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Old 12-30-2017, 05:48 PM   #14
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Default Re: Insurance sure is a scam!

Something just don't figure here, Why didn't your insurance go after them? When my accident happened My insurance gave the tow, rental and gave me the check. They went after the other company and party! You should not have had to deal with the other guy at all. Maybe different insurance companys or California??
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Old 12-30-2017, 06:00 PM   #15
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Default Re: Insurance sure is a scam!

And a follow up, Things are getting better finance wise. This should be a good year for us.
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Old 12-30-2017, 09:37 PM   #16
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Default Re: Insurance sure is a scam!

I would like to know what formula they use to calculate the percentage of fault each person has in an accident... Seems like pretty advanced math to me!
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Old 12-30-2017, 10:20 PM   #17
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Default Re: Insurance sure is a scam!

Sounds like a butt f!! Thats what i think. I didn't have those issues in my last 3 accidents. Those were over a 25 year period. All taken care of by my insurance and two different companys i had over that time. California must have some strange ideas about how we are supposed to be handled in a accident!
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Old 12-31-2017, 09:01 AM   #18
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Default Re: Insurance sure is a scam!

IMO, I'd say you are the one that got butt f! You paid higher premiums for those 25 years since you choose not to have a deductible which means you paid MORE over the years than I did. So you have been scammed by your insurance company(s) for all those years. Personally, I've been in 1 accident (not at fault) in the last 25 years and paid $0 out-of-pocket for that one.

There is absolutely no insurance company out there that is actually interested in your well being or really being of help to you. They exist solely for the purpose of making money and they always pay out claims grudgingly and will do their darnedest to avoid paying a dime more than they have to.

If you think otherwise, you're living in a dream world.
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Old 12-31-2017, 09:55 AM   #19
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Default Re: Insurance sure is a scam!

Quote:
Originally Posted by root View Post
I only have five words of wisdom.

Dash camera, front and back.

Though I guess it is too late now.

In the uk failure to stop after an accident is an offence. You may wish to find out if it is an offence where you are also.
It is. It's called hit and run. I have a dash cam in mine. I got it because of an asshole who likes to drift off his lane and make me swerve. Since I got the cam he quit that shit.

He lives down the street from me and he's a big fellow. He likes to fuck with people (like me) but since I started open carrying he left me alone.

Bullies are cowards.

I flip him off when I see him letting him know we're on equal grounds MFer.
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Old 12-31-2017, 11:11 AM   #20
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Default Re: Insurance sure is a scam!

In my almost 50 years of driving, I can think of only 1 time when a dash cam would have been valuable. That involved someone rear ending me on the freeway about 35 years ago and trying to say it was my fault. Luckily, there was just a small, almost imperceptible scratch on the bumper of my car so we just shined it on. His car had more damage but he knew he was in the wrong so he was happy just to forget the whole incident.

I actually have a dash cam somewhere that I bought about 5 years ago. I hooked it up in my car and took about a 30 mile trip with it. After I got home, I reviewed the video, it looked fine but I concluded that it just wasn't worth the effort so never used it again.

Having a dash cam is kind of like owning a gun for protection, the odds are that you will NEVER benefit from having it but it can come in handy in rare instances.
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