Insurance Co. Hit a deer.

[Mr. Sandman]

I feel your pain...for 35 years I have been paying insurance and ***never*** made a claim on any policy. Was dropped from my homeowner’s policy because I "live near the water” I am at 68' above sea level and a good walk to the water from my house. No way could I get wet and they said they are dropping everyone that lives within 2 miles of the coast because of the losses they have taken in fla. My agent says she is getting 60 drops per month and she is having trouble finding coverage.

My question is what about the YEARS AND YEARS of payments they had been receiving in which they had few losses? I think they lost a ton of cash in the market dive, pay their execs WAY too much and now it is compounded by some serious claims and they are taking it out on us. I had a lot of trouble getting new homeowners almost had to get picked up by the state. My current policy forced me to take a 20K wind damage deductable to get it. WTF? Why even have it?

INS companies suck and have been ripping us off for years whether it be healthcare, homeowners or auto. We are stuck with them

[mikecc]

Costs me $15 in INS more a year to get OEM parts for the trucks.
It sucks but you have to ask before you buy the policy.

[Mike P]

Geez, who on the Vineyard doesn't live within 2 miles of some coast or another? And, my understanding is, that unless you have a flood rider, they wouldn't have to pay if your house was washed away anyway.

One company dropped me because my front steps---all two of them ----don't have a railing. There isn't a single house on my block with railings on their front steps. None of them have more than 4 steps.

[PaulS]

Originally Posted by Mr. Sandman

My question is what about the YEARS AND YEARS of payments they had been receiving in which they had few losses?

INS companies suck and have been ripping us off for years whether it be healthcare, homeowners or auto. We are stuck with them

So using that logic, if you take a policy out and have a claim the first few years, the insurance comp. shouldn't have to pay your claim.

Your not stuck with them, if you think they are ripping you off, don't use any elective insurance.

[Karl F]

Good Tip from Mike, worth the extra 15 bucks to get the coverage for the OEM parts...
I wonder if any of the body guys could chime in, pros and cons.... my bud in the business, he was telling me sometimes he puts in a supplemental for the extra labor to "fit" the aftermarket crap.. he also said he had one panel that was so far out, he called the adjuster, asked him to come to the shop, (he knew the guy was a former body man), said look, I can fit that but I'm gonna need X amount of hours to fit, or we can get an OEM part, (which he already had, for show), and it will just fit... what do you guys want to pay for?.. guy made a call or two, and the OEM panel went on.

Ins. co. do suck, but what are you going to do?.. they have a lock. I got my home owners cancelled last year, for the simple reason I live in Barnstable county.. agent says you will go in the "pool" your rate will be almost triple.. I shopped around, found a company that would take me, for 3 hundred bucks less than the pool, had to move my car insurance over, but that rate is set by the state, so that stayed the same... for now.

[vineyardblues]

My insurance company dumped me because 1. I have a trampoline in the back yard and 2. Because I have a German Shepard.

Now I pay out the arse for home owners insurance, What the F !@!%%
VB


ps. they did drop me

[Raider Ronnie]

[QUOTE=Karl F]Good Tip from Mike, worth the extra 15 bucks to get the coverage for the OEM parts...
I wonder if any of the body guys could chime in, pros and cons.... my bud in the business, he was telling me sometimes he puts in a supplemental for the extra labor to "fit" the aftermarket crap.. he also said he had one panel that was so far out, he called the adjuster, asked him to come to the shop, (he knew the guy was a former body man), said look, I can fit that but I'm gonna need X amount of hours to fit, or we can get an OEM part, (which he already had, for show), and it will just fit... what do you guys want to pay for?.. guy made a call or two, and the OEM panel went on.


Every job is a battle!!!
Though aftermarket parts have come a long way from years ago as far as fit and finish
They are still junk compared to oem!!! weather it is a fit problem or assemble problem, as in aftermarket lamps that fill with water within 6 months!!!
Big part of the problem is for every 1 shop who cares about doing quality work, there are 10 hack shops who only care about making the quick buck and will put aftermarket parks on a job when getting paid for oem!!!
Then there is allways the customer who wants their deductable saved!!!

[Mr. Sandman]

Originally Posted by PaulS

So using that logic, if you take a policy out and have a claim the first few years, the insurance comp. shouldn't have to pay your claim.

Your not stuck with them, if you think they are ripping you off, don't use any elective insurance.

No, they are not just insuring the newbie it is a gazillion people some new some like me that have put in for years without claim! You see insurance companies have been culling out higher risk people for years this is a step in that direction. I don't think I am at higher rish then those in FLA though? Moreover this culling shows what dirtbags they really are. I use to run a small company and negoationed and paid the health preimums. Most companies are sleezy and will try to get exclusions for some people with conditions that are not even "pre-exisiting" just higher risk ( something running in the family). I saw this first hand and later watched a good friend who later died of breast cancer and my best friend foot the bill personally because the insurance company balked at anything to do with her. It was a nightmare and almost wiped him out. I have also seen in from the other side (wife is a doctor) and watched over the collections. Let me tell you they are they don't pay out jacksh*t to docs and hospitals...I have seen collections in some cases to .20 on the 1.00. These dirtbags take their cut first. Their profits were insane in the 90's and they didn't bank it for the rainy day they lost it...I hope they take it in the rear, they suck.

Also you ARE stuck with them! You mortgage requires it! You can't go alone.

MikeP: I asked the same question to my agent....Most waterfront and large homes on the vineyard were paid in cash and don't have insurance. (they self insure...most multi millionairs do but may have some liability coverage)

[Squid kids Dad]

[thefishingfreak]

here's the deal.
it's in your policy. they can, and do, write for aftermarket parts.
some companies it 1 year or 12,000 miles.

years ago we'd rather put aftermarket then dodge parts on. because dodge parts sucked. they used to dip there parts so hoods would have five foot runs in them all over them.
aftermarket sheetmetal ain't that bad.
it's up to the bodyshop to fit it right, rustproof it right, and paint it right.
there's good parts and bad parts.
we don't use aftermarket chrome because it will rust out within a year.
an aftermarket bumper cover on a five year old camry is ok. it's up to the shop to make it presentable.
like karlf said, if i paint it, put it on and it fits like crap, and is completely un-acceptable,,, they'll pay me to do it over with oem parts.{plus the aftermarket supplier will pay us too}

your insurance company has to restore your car to " PRE-LOSS" condition.
as in,,,, the split second before it was hit....
not restore it to it's former glory.

if it's a junk box? they treat it like one.
if it's mint and well cared for? they treat it like that.

find a good shop that will gaurantee there work for life, and leave it in there hands.

don't get in the middle between the shop and the insurance company.
find a place that will do quality work and leave it in there hands






ohh, and NEVER !!!!
piss off the painter

[Squid kids Dad]

WOW TFF..I couldnt have said it better....Most companies now dont use aftermarket sheet metal until the car has at least 40000 miles and 4 years old..They use aftermarket plastic parts (bumper covers,headlamps,a/c ,radiators) after the vehicle is 1 year old...Always the 1st choice LKQ (Like,kind and Quality)..Basically a used part..But that used part has to be off the same year,same mileage or better and same condition..The insurance companys are mandated by the state by these regulations..Also if the insurance company uses aftermarket parts they will give the same warranty as o.e.m..Its mostly on a car by car basis...Depending on the cars condition...
And like TFF said "read your policy"..It is all stated in there...

[Backbeach Jake]

That's how it works at my shop, too. Most of the time the offshore parts fit just fine, the only ones that really give me heartburn is the composite headlamps. Don't fit and the adjusters are junk. I've noticed that a lot of OEM parts are (I suspect) rejects from the assembly line. Dings and repairs galore. Sometimes they're welded together wrong. Remember '80s Malibu fenders FFreak? Cut the front spotweld and repositioned about 100 of those. It's the shop that makes the repair. And knows how to deal with your insurer.

[Squid kids Dad]

BBJ...Dont forget about using alignment shims...

[PaulS]

Originally Posted by Mr. Sandman

No, they are not just insuring the newbie it is a gazillion people some new some like me that have put in for years without claim! You see insurance companies have been culling out higher risk people for years this is a step in that direction. I don't think I am at higher rish then those in FLA though? Moreover this culling shows what dirtbags they really are. I use to run a small company and negoationed and paid the health preimums. Most companies are sleezy and will try to get exclusions for some people with conditions that are not even "pre-exisiting" just higher risk ( something running in the family). I saw this first hand and later watched a good friend who later died of breast cancer and my best friend foot the bill personally because the insurance company balked at anything to do with her. It was a nightmare and almost wiped him out. I have also seen in from the other side (wife is a doctor) and watched over the collections. Let me tell you they are they don't pay out jacksh*t to docs and hospitals...I have seen collections in some cases to .20 on the 1.00. These dirtbags take their cut first. Their profits were insane in the 90's and they didn't bank it for the rainy day they lost it...I hope they take it in the rear, they suck.

Also you ARE stuck with them! You mortgage requires it! You can't go alone.

Sounds like you didn't read your policy cause if they denied a claim for something that was in the policy you'd certainly have a winable suit. Your also saying that they should be forced to take what they consider to be bad risks - what other professions is required to take business that they will loose money on. Ask a dr. to do something for free and you can laugh your way to the funeral home. Since your such an expert you should start a classless action suit. As I said before, if you don't like insurance, drop all of your elective coverage. Your the one who sounds like a dirtback with the language you use.