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View Diary: My Car Insurance Company Tried to Screw Me Post-Sandy. I Beat Them. (104 comments)

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  •  Because the car and insurance are technically... (17+ / 0-)

    in my mom's name and she specifically asked that I not name names to preserve some degree of anonymity.

    Enacting our agenda requires winning elections. Oh, and me on Facebook and Twitter.

    by Mets102 on Mon Dec 03, 2012 at 05:17:40 PM PST

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    •  I doubt that you are the only NYC (9+ / 0-)

      denizen with this insurer who had and fought problems with their decreed mileage guess.  

      And frankly I doubt that their department that deals in corporate image reads dKos.

      Whatever.  Can you comment at lease on whether it's one of the top 5 car insurers based on this list?  A yes or no will suffice.

      "Republicans have been fleeced and exploited and lied to by a conservative entertainment complex." - David Frum

      by Glinda on Mon Dec 03, 2012 at 05:22:57 PM PST

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      •  It was none of them... (8+ / 0-)

        but I switched to one of those five.

        Enacting our agenda requires winning elections. Oh, and me on Facebook and Twitter.

        by Mets102 on Mon Dec 03, 2012 at 05:25:13 PM PST

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        •  It would be nice if they said why they were top 5 (8+ / 0-)

          They certainly were not the five largest. Five best? Not a list I have ever heard.

          Esurance is now part of Allstate.

          If I remember correctly, Consumers' Union rated Amica best.

          The GOP is the party of mammon. They mock what Jesus taught.

          by freelunch on Mon Dec 03, 2012 at 05:43:34 PM PST

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          •  I just wanted to see if my insurer ... (6+ / 0-)

            who is on that list, was the culprit. I picked the first site with only 5 insurers that had my insurer on the list.  Well mine would be on any such list.  It's certainly one of the top two.

            I'm sure it is an arbitrary list like most crap on the "series of tubes".

            "Republicans have been fleeced and exploited and lied to by a conservative entertainment complex." - David Frum

            by Glinda on Mon Dec 03, 2012 at 05:48:34 PM PST

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          •  The description of State Farm is laughable. (3+ / 0-)
            Recommended by:
            a2nite, operculum, SadieSue

            That in no way describes their prices or business practices.  I have first hand experience with them.

            Allstate will also low-ball you like Mets103 was low-balled, but will be much more persistent at their evasion techniques when countered on their practices.  They'll wait you out - trying to see if you'll just give in due to the time without being paid, so you will accept a lower offer.

            After over 40 years of driving, a couple accidents and living in various states, I wouldn't buy either of those two, again going on personal experience.

            Sounds like "autos.com" is shilling to me.

            "The law is meant to be my servant and not my master, still less my torturer and my murderer." -- James Baldwin. July 11, 1966.

            by YucatanMan on Mon Dec 03, 2012 at 07:24:57 PM PST

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            •  I've had to fix my own because the guy who (6+ / 0-)

              hit me had State Farm and I had Allstate...and I had pictures proving that my truck had been hit out on the street by someone leaving a parking lot, while he claimed I hit him in that parking lot -- which he had to back up into to let me get my damaged vehicle out of the street....

              It's been six months and I've not heard back from Allstate. I assume that because they claim I'm not liable and State Farm claims their driver's not liable, he had to fix -- or replace -- his vehicle too ...

              I seriously think insurance is a protection racket.

              LBJ, Lady Bird, Anne Richards, Barbara Jordan, Sully Sullenberger, Ike, Drew Brees, Molly Ivins --Texas is no Bush league! -7.50,-5.59

              by BlackSheep1 on Mon Dec 03, 2012 at 07:58:26 PM PST

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        •  I have SF (7+ / 0-)

          and they've been pretty good to me about car coverage over the years, including for some rather odd issues.

          "So, please stay where you are. Don't move and don't panic. Don't take off your shoes! Jobs is on the way."

          by wader on Mon Dec 03, 2012 at 05:59:13 PM PST

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          •  They didn't become the largest by luck (8+ / 0-)

            Sure, State Farm can be a bit more expensive than some others, but they have a big captive agency force that wants to sell insurance. The agents get pissed when their customers are unhappy. Bad claims handling makes customers unhappy. There are no shareholders to complain if you don't try to squeeze your policyholders.

            Unlike independent agents, the captives lose you as a customer when the insurance company loses you as a customer.

            The GOP is the party of mammon. They mock what Jesus taught.

            by freelunch on Mon Dec 03, 2012 at 06:14:41 PM PST

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            •  I agree they are more expensive. I disagree they (1+ / 0-)
              Recommended by:
              wader

              are interested much in service or good relations.

              The linked site states the opposite of what you and I believe (they're more expensive):  

              They believe in keeping the rates low while giving the best coverage.
              While living in another state, I had excellent insurance with American Family and at lower rates.  After moving, I tried State Farm, until I had some practical experience with their 'service.'

              And for house insurance, they have among the highest rates around.

              "The law is meant to be my servant and not my master, still less my torturer and my murderer." -- James Baldwin. July 11, 1966.

              by YucatanMan on Mon Dec 03, 2012 at 07:27:41 PM PST

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              •  The best luck I've ever had was The Travellers (2+ / 0-)
                Recommended by:
                wader, YucatanMan

                one of their drivers hit my son, who had stopped at a light, while she was talking on her cellphone.

                They could not provide him a rental, after totalling his 1991 Dakota (which he inherited from my Dad and we'd spent $4k refurbishing for him), but they paid for a rental for me so he could drive my vehicle (he was at the time under 25 years old and could not get a rental in his name in Texas); they paid a fair market value for the truck and paid half the value of his cello, which was damaged beyond repair in the wreck.

                We were fortunate he didn't sustain serious injuries.

                LBJ, Lady Bird, Anne Richards, Barbara Jordan, Sully Sullenberger, Ike, Drew Brees, Molly Ivins --Texas is no Bush league! -7.50,-5.59

                by BlackSheep1 on Mon Dec 03, 2012 at 08:02:16 PM PST

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              •  Perhaps depends on the location, too (1+ / 0-)
                Recommended by:
                YucatanMan

                SF has covered some truly odd car repair situations and accepted the word of mechanics outside of their network to pay for things such as a replacement engine when fixing other damage to the powertrain became a game of hide and seek.  In almost all cases, someone or something else caused the damage to my car (and me), but they've been good about the followup.  With that personal record, I haven't tried shopping around for awhile.

                But again, local management may be a difference in service quality levels provided.

                "So, please stay where you are. Don't move and don't panic. Don't take off your shoes! Jobs is on the way."

                by wader on Mon Dec 03, 2012 at 08:03:55 PM PST

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                •  State Farm has various divisions like "Mutual," (2+ / 0-)
                  Recommended by:
                  wader, freelunch

                  "Lloyds," etc.  My understanding is that service levels vary quite a bit.  The divisions have something to do with regulation within each state.

                  I don't remember the details about Texas any more, but the State regulates insurance companies, unless (nice loophole created by the legislature), they are a (say) "Lloyds Limited" company.  IN that case, there is zero regulation on price or on service.

                  State Farm takes advantage of situations to avoid regulation, so I do not think their overall company culture is one of good service.

                  If you live in a blue state, there probably are not the types of ridiculous, industry-created loopholes in the law, so you may get better results as the insurance companies don't want trouble from the stat regulator.  

                  IMHO.

                  "The law is meant to be my servant and not my master, still less my torturer and my murderer." -- James Baldwin. July 11, 1966.

                  by YucatanMan on Mon Dec 03, 2012 at 08:13:14 PM PST

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                •  Here's some background on the "Lloyds (1+ / 0-)
                  Recommended by:
                  wader

                  exemption," which has persisted and is now used to charge higher rates without regulation.

                  Today, about 95% of homeowners are insured by Lloyd's companies
                  Because of the "Lloyds exemption," State Farm and many other companies create a "Lloyds" division or branch or arms-length subsidiary and screw the customers without regulation.

                  "The law is meant to be my servant and not my master, still less my torturer and my murderer." -- James Baldwin. July 11, 1966.

                  by YucatanMan on Mon Dec 03, 2012 at 08:19:50 PM PST

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            •  When my former State Farm agent retired (1+ / 0-)
              Recommended by:
              freelunch

              my husband and I found that the premiums we were being charged could have been much less with State Farm for the same coverage... when we asked why we were "overcharged" the retiring agent said "well you never asked for better rates."  Asshole.

              So, if you have State Farm, negotiate a bit.  You might be pleasantly surprised.

              If a free society cannot help the many who are poor, it cannot save the few who are rich. John F. Kennedy ( inaugural address, January 20, 1961)

              by Outraged Mom on Tue Dec 04, 2012 at 05:26:36 AM PST

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