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Forever Domon
 
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Maybe i just have higher coverages that everyone else or something, but fuck. All you with sub 400 every 6 rates are killing me. The absolute lowest ive ever been able to get is 650 or so, and i have no tickets ever, and one no-fault accident (but even before that accident, my rates were 700ish every 6.
Old 01-13-2012, 07:03 AM Forever Domon is offline  
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asa
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Quote:
Originally Posted by RazorWind View Post
What I would do is find a body shop that doesn't take any shit from insurance adjusters. I have one here in Austin that is freaking awesome, and the adjuster guys hate dealing with. The rules vary from state to state, I assume, but in Texas, the insurance company seems to be barred from trying to force you to use their shop, although they can recommend one they "approve" of.

I had to do this twice back when I had just bought my MR2 Spyder, and in both cases, I basically dropped the car off at the shop and told the adjuster "Go deal with them." and the shop guy did the haggling. The actual bill always ended up being about four or five times what the adjuster initially offered me, but I never paid a cent of it.

That's just the thing though, I'm down in the Tampa/Brandon area and i have no support network or group of people i can turn to to even find out where a decent body shop is.
Were i back home in Tallahassee where i knew the adjuster i wouldn't even be having this conversation (hell, i probably wouldn't have been hit by some meth head tweaker fuckstain either, up there its college students and drunks)
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Old 01-13-2012, 07:03 AM asa is offline  
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RazorWind
 
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Quote:
Originally Posted by Forever Domon View Post
Maybe i just have higher coverages that everyone else or something, but fuck. All you with sub 400 every 6 rates are killing me. The absolute lowest ive ever been able to get is 650 or so, and i have no tickets ever, and one no-fault accident (but even before that accident, my rates were 700ish every 6.

It's also possible that you live in an expensive place (and I've heard the DC area is).

@Asa:

Maybe find an F150 owners forum and ask in their local section for recommendations? That's more or less how I found the shop I use, as I didn't have much of a support network around either, at the time.
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Old 01-13-2012, 07:45 AM RazorWind is offline  
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Baloneyflaps.
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Quote:
Originally Posted by Forever Domon View Post
Maybe i just have higher coverages that everyone else or something, but fuck. All you with sub 400 every 6 rates are killing me. The absolute lowest ive ever been able to get is 650 or so, and i have no tickets ever, and one no-fault accident (but even before that accident, my rates were 700ish every 6.



YOU DONE GOT RAEPED
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Old 01-13-2012, 07:55 AM Baloneyflaps. is offline  
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Coqui
 
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Quote:
Originally Posted by Forever Domon View Post
Maybe i just have higher coverages that everyone else or something, but fuck. All you with sub 400 every 6 rates are killing me. The absolute lowest ive ever been able to get is 650 or so, and i have no tickets ever, and one no-fault accident (but even before that accident, my rates were 700ish every 6.

How old are you?

I pay $330 for two drivers, two cars and full coverage every 6 months.
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Old 01-13-2012, 08:35 AM Coqui is offline  
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Forever Domon
 
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Originally Posted by Coqui View Post
How old are you?

I pay $330 for two drivers, two cars and full coverage every 6 months.
early 30s.

Let me pull my coverage details:


VEHICLE 1

02 HONDA
ACCORD EX

A. Bodily Injury
$100,000 each person............. $ 380
$300,000 each accident

B. Property Damage
$100,000 each accident........... $ 272

C. Medical Payments
$1,000 each person............... $ 19

D1. Uninsured Motorists Bodily Injury
$100,000 each person............. $ 84
$300,000 each accident
See Endorsement A19044

D2. Uninsured Motorists Property Damage
$100,000 each accident........... $ 7
See Endorsement A19044

E. Collision
Actual Cash Value less........... $ 430
$500 deductible

F. Comprehensive
(Other than Collision)
Actual Cash Value less........... $ 173
$100 deductible

G. Extended Transportation Expense
$30 per day/$900 maximum......... $ 13
See Endorsement A00391

Q. Personal Injury Protection
$2,500 each person each accident. $ 67
See Endorsement A19022


Subtotal for your vehicle............... $ 1,445
Old 01-13-2012, 08:41 AM Forever Domon is offline  
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Forever Domon
 
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sorry to hijack your thread asa feel free to tell me to fuck right off and report my posts.
Old 01-13-2012, 08:44 AM Forever Domon is offline  
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#22  

OneWhoKnows
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Quote:
Originally Posted by Forever Domon View Post
Maybe i just have higher coverages that everyone else or something, but fuck. All you with sub 400 every 6 rates are killing me. The absolute lowest ive ever been able to get is 650 or so, and i have no tickets ever, and one no-fault accident (but even before that accident, my rates were 700ish every 6.

wtf. I pay $850 ever 6 for three cars and two drivers.

And I thought I was paying too much...
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Old 01-13-2012, 08:59 AM OneWhoKnows is offline  
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Coqui
 
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Code:
	                                           2003	        2008
	                                           Honda	Honda
		
BODILY INJURY & PROPERTY DAMAGE LIABILITY	   $121.00 	$75.00 
BI $100,000 EACH PERSON - $300,000 EACH ACCIDENT		
PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT		
MEDICAL PAYMENTS $1,000 EACH PERSON	           $2.00 	$2.00 
COMPREHENSIVE ACV LESS $500 DEDUCTIBLE	           $18.00 	$22.00 
COLLISION ACV LESS $500 DEDUCTIBLE	           $46.00 	$59.00 
		
		
		
Premium by Vehicle	                           $187.00 	$158.00 
Policy Level Coverages		
Uninsured/Underinsured Motorist Bi	           $14.00 	
$100,000 Each Person - $300,000 Each Accident		
Total Policy Premium	                                   $359.00
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Old 01-13-2012, 09:02 AM Coqui is offline  
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#24  

malamute face
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Quote:
Originally Posted by Lurker View Post
Needs to be more professional and with less emotion, certainly dont call anyone an idiot. Dont involve your personal life because you arent the only person that is busy. Certainly dont justify why you didnt follow up sooner, she doesn't care you arent doing this for her. Also dont threaten your broker with leaving, whats her incentive to help you after a comment like that? Thats a last resort type of thing. Instead of that you should list what you would like to happen to rectify the matter and that you would like to work with her to reach an amiable resolution. Remember you arent talking to a friend, you are talking to the insurance company, everything you say will be documented, stored and potentially re-evaluated by someone else. You need to show that you are serious and calm and getting rid that you have certain requirements that cant just be brushed off.
Wow, I semi-love you.

I suggested that he re-write the email when he isn't so pissed off. I want to re-mention that "deeply" just does not compute. Deeply belongs deeply in vaginas, not in business emails.

All the things Lurker said are true, asa. I am guessing that you aren't used to writing letters to companies, which is totally fine. I can tell that by you starting the email with "Hey".

If it's morning, say "Good morning, Jenny." It looks 8,000% more professional to start your email that way.

etc.

Gotta go to the copy machine.
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Old 01-13-2012, 09:10 AM malamute face is offline  
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malamute face
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Here you go.
Good morning, Jenny.

On (date), I met with Progressive Assessor (first name, last name). The following outlines the event:

• (Address him as Mr. ___) Mr. ___ indicated to me that he did not review my file prior to our meeting, and therefore he had no knowledge of what my concerns were.
• Mr. ___ suggested totaling my vehicle without giving it a proper assessment.
• Mr. ____ refused to provide me with a list of body shops in the area when I requested it.
• Mr. ___ didn’t perform any mechanical assessments on my vehicle. He suggested I visit another shop to get the mechanical issues looked at.

Based on the above, I would like to request a meeting with another assessor just as soon as possible.

If you have any questions, please feel free to call me at (xxx) xxx-xxxx.

Sincerely,

Cindy
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I breathe my husband Serv0h's soul and I sniff his boxers + farts
Zerokewl is my twin at everything and my long-lost BFF that I never knew I had until like March
I luv uterus
Growler & I hate olives <3
Pyramid is my speakerhumper BFF

Total: 24
Old 01-13-2012, 09:25 AM malamute face is offline  
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Sup
 
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cindy is a pro pro
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Old 01-13-2012, 09:27 AM Sup is offline  
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malamute face
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I r a businesswomenz.
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I breathe my husband Serv0h's soul and I sniff his boxers + farts
Zerokewl is my twin at everything and my long-lost BFF that I never knew I had until like March
I luv uterus
Growler & I hate olives <3
Pyramid is my speakerhumper BFF

Total: 24
Old 01-13-2012, 09:28 AM malamute face is offline  
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#28  

malamute face
Long time. Me lobe yoy long time.
 
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In the subject of the email, put First Name Last Name, Claim No. ______.
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I breathe my husband Serv0h's soul and I sniff his boxers + farts
Zerokewl is my twin at everything and my long-lost BFF that I never knew I had until like March
I luv uterus
Growler & I hate olives <3
Pyramid is my speakerhumper BFF

Total: 24
Old 01-13-2012, 09:40 AM malamute face is offline  
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#29  

malamute face
Long time. Me lobe yoy long time.
 
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Quote:
Originally Posted by asa View Post
not sure i agree about the less emotion
All you are supposed to do is tell the facts of the event. Save your emotion and anger and crying for your girlfriend's shoulder; it does not belong one single bit.
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I breathe my husband Serv0h's soul and I sniff his boxers + farts
Zerokewl is my twin at everything and my long-lost BFF that I never knew I had until like March
I luv uterus
Growler & I hate olives <3
Pyramid is my speakerhumper BFF

Total: 24
Old 01-13-2012, 09:56 AM malamute face is offline  
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