I totally agree, hence accident forgiveness with a lot of larger insurance companies, it’s the fourth and fifth 20k accident people that drag us all down. I’m not trying to be a dick (not that i’m not trying either) but this boils down to almost ethics and morals… its like someone buying malt liquor with an access card… it’s technically legal but is it right? queue article of woman using an infant as a weapon (swinging at security gaurds) while shoplifting.
^^I do agree, but shitty drivers still have the right to drive. Its a shame the people who are in those fourth and fifth $20k accidents aren’t charged apprpriate rates to cover themselves, instead of alleviating those costs onto other customers ~ even in some degree. They should be paying four or five times the rate of the typical “good” driver. Even after a DUI most customers only have rates doubled ~ lets see a three or four times price fold for them!
I understand how overpaying on claims would drive up prices you fucking twat. The fault lies on the adjuster who overestimated though, not on the person that was in the wreck. If someone came out and overestimated damage to one of your cars, you’re telling me that you would give the extra money back, like it’s your civic fucking duty to make sure that the insurance company that rips you off every month maintains profitability? :ugh2:
FSHOWCARS: God Bless Car Insurance Companies, and God Bless America! Do your civic duty and make sure your car insurance company isn’t slightly overpaying on a claim! If you don’t, you’re a commie loving socialist scumbag!
Did you just compare a woman using an infant as a weapon to what we’re talking about? Holy shit man you’re going off the deep end!
amen
I’ve never been in an at fault wreck. Only claim I have ever received was from the F-250 that barreled into the back of my Prelude at 40mph while I was stopped. In the last 11 years I have probably paid at least $20,000+ in insurance premiums.
In the event that I need to collect on the insurance I’ve been paying into, I’m going to do so with a VERY fucking clean conscience.
This is definitely the way to go. I pay $450 dollars for $20k agreed value.
$20K is spit in the ocean if you end up in a hospital inpatient for a few days, weeks, or months with sever injuries ~ not that I would ever wish that to happen to you. 
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sure you can blame the adjuster, at the convenience of the consumer getting the quote. i’m not blaming anyone, but I did state that I take my car to the autobody shop to get an accurate quote. I dont need to make my money off of insurance claims
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exactly… there is a lot of take take take in this thread, but i’m reading that only a few of us agree that it’s a civic duty to sometimes give. what did your boy say, From each according to his abilities, to each according to his needs. that is socialism… playing fair. if everyone takes but doesn’t want to man up insurance costs what are we left with?
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yeah… people that have no morals or ethics will never understand the argument and will never use their judgment to do the right thing. these people lead to the deterioration of systems put in place to help people as a whole. do you need a venn diagram or maybe a pie chart? faggot
Thank you, Captain Obvious. :hsugh:
Thanks, I really appreciate that. I appreciate you saving me .0000000000001% on my premium. That shit really adds up. You’re a great American.
- exactly… there is a lot of take take take in this thread, but i’m reading that only a few of us agree that it’s a civic duty to sometimes give. what did your boy say, From each according to his abilities, to each according to his needs. that is socialism… playing fair. if everyone takes but doesn’t want to man up insurance costs what are we left with?
I’m pretty sure people that don’t have insurance don’t get a payout if they wreck their car. Correct me if I’m wrong though… :hsugh:
- yeah… people that have no morals or ethics will never understand the argument and will never use their judgment to do the right thing. these people lead to the deterioration of systems put in place to help people as a whole. do you need a venn diagram or maybe a pie chart? faggot
Really? Are you like a secret lobbyist for the auto insurance companies? FSHOWCARS: MORAL CRUSADER! ABLE TO SMASH EXORBITANT PREMIUMS WITH A SINGLE AUTO REPAIR SHOP QUOTE!
As was previously mentioned by the other kid in this thread that drives a chick car, the difference between the actual repair costs and what he received as a payout PALES IN COMPARISON to even a brief hospital stay… hell even probably a simple ER visit. If you really want to lower premiums, the next time you see some dumb bitch putting on makeup and texting while barreling down the parkway at 80MPH, wait till she’s clear of everyone and shoot the cunt in the head.
I just got rear-ended. The lady who hit me broke her sternum and got an ambulance ride. My car is probably totaled, I had to rent a car, most places were out of them, ended up driving a POS HHR 15 hours to get back to Pittsburgh.
She went to the hospital from the scene and her 09 Toyota is boned pretty bad. Clearly they have huge costs. Right now I’m out a car, out the cash for the rental car, and believe me, getting wailed from behind is not good for your body. That insurance company, which has yet to contact me, is going to try to lowball me on the value of my car, guaranteed.
If someone comes out ahead, it should be the person who had their rights violated, not the at-fault driver or the insurance company of the at-fault driver. That’s the entire freaking point of insurance. Rates are high for many reasons, but property damage is a fairly small % of insurance costs.
I love how the “low risk” old person plowed into me, the high risk, unmarried young person in a V8 car. I can’t wait to hear what they want to pay me for my car.
In the end it’s a privilege to drive, Not a right. Therefore, Pay for the privilege and the insurance companies should honor it. Paying you, when shit hits the fan…
x2.
see above. My truck & my GTO are covered for an agreed value. If some asshole runs into either of them & it’s totalled, then I’ll get about twice what your house is worth. And I have a zero deductible. And I have the option to buy it back. Hagerty & other ‘Classic’ car insurance companies are pretty intelligent, though. They won’t cover white trash assholes’ daily drivers (like yourself). They only cover vehicles that are worth something, and that person has to prove that the insured vehicle is not daily driven (must have dd insured through someone else & must be an insured dd vehicle for each driver in the household).
think before you open your mouth next time
What are you gonna do about it, faggot?
hold on, I’ll give you another example just in case you havent gotten it yet.
Say a tree falls on your house, homeowners insurance says theres $15,000 in damage and gives you a check for that amount. you call out some roofers and they say they can fix it for $12,000… Are you going to call up your insurance company and tell them you want to give them back $3,000? Or perhaps you happen to be a roofer yourself and you can fix it yourself for $8,000. are you commiting insurance fraud if you can fix it for less then they think the damage is worth? I think not…
No, but I’m not gonna nickel & dime my insurance co. to get a bigger $$ amount & then half ass fix it.
The mere fact that any ins co gave you $3k for repairing a $12 car should raise a flag for insurance fraud, anyway.
I still stand by my statement that you are the type of asshole that raises everyone else’s rates.
nope. regular insurance for a 8 year old v6 sedan
I never nickel and dimed anyone. the adjuster estimated the price for repairs, then gave me a fucking check. I then looked around at shops and one of my family members referred me to a friend of the family that did it for a low cost that wasnt half assed. oh my fucking god! did your insurance go up $100 once I cashed the check?
:bowrofl: stop having a fucking heart attack over this bullshit
I think the real injustice here is that somebody with a Neon bothered to answer the OP’s question. You have a Neon, don’t bother with full coverage let alone additional coverage for your home-made bobble-strut-dildo mods.
It would probably cost $20k+ to duplicate the mods in my Z06, but do I carry an additional $20k in coverage? No. Is there risk involved with that? Yes.
-TJ
I dont have full coverage, someone else hit me and thier insurance paid.
who cares if I own a neon anyways? the OP has a cobalt… I dont care what kind of car he drives, he asked a question, I answered it
and the bobble strut dildos sell for $50 a pop. I sell about 25 of them a month, nice to have a little money on the side to play with
That may be so but, but the $10mil in coverage on your mouth and asshole probably have you covered.
what kills me the most you are not bitching when you are not involved in any claim,and your money just went in thier pocket for peace of mind…
same issue here, car was rear ended (sonata) i found the same parts cheaper, and less the shop wrong way of marking up the same part for extra income. and i can do the work. fact is the car is still damaged and needs repaired, and INS deems the amout ness, after that they dont care how it gets fixed… just aslong as your either paid, or they fix it!
how bout when i bought my totalled firebird formula back for 400 bucs… got the motor trans interior seats and rear end out of it and sold it to jj’s for just less then that… i forget the exact amount… should i give the money back to the ins. company?
so the hagerty wouldnt work for me since i have a daily driven car im looking to insure the extra work done to the car? I think I saw on geico when i looking into getting a wrx they automatically asked if there were mods on the nd what the values were.