Bronco Possibly Totaled

[dpAtlanta]

You can always buy back a total loss vehicle from your insurance company and do the repairs on your own.

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[HoosierDaddy]

If you turn a "Their fault" accident into your insurance, even though it was their fault, it is a damn near certainty that they will raise your rates because of the "activity" on your account.

I never would have thought I'd say this, but insurance companies made me into this monster ... if there is an injury, get a lawyer and start the process for a lawsuit immediately.

If you are hit by an uninsured/underinsured driver, you will have to sue your own insurance company.
Sounds crazy, but that's how it goes these days. Otherwise, these powerful companies will have their way with you.
We are learning this the hard way.

My agent was the one who first suggested this, as he had just gone through the same thing with his wife (hit by uninsured driver) and had to sue the company he sells for.
We're talking about one of the majors with some of the highest customer satisfaction ratings ... State Farm.
Yeah, the State Farm that currently has a class action against it for knowingly under-valuing the cars and shafting their own customers.

 

[Steve_In_29]

If you turn a "Their fault" accident into your insurance, even though it was their fault, it is a damn near certainty that they will raise your rates because of the "activity" on your account.

I never would have thought I'd say this, but insurance companies made me into this monster ... if there is an injury, get a lawyer and start the process for a lawsuit immediately.

If you are hit by an uninsured/underinsured driver, you will have to sue your own insurance company.
Sounds crazy, but that's how it goes these days. Otherwise, these powerful companies will have their way with you.
We are learning this the hard way.

My agent was the one who first suggested this, as he had just gone through the same thing with his wife (hit by uninsured driver) and had to sue the company he sells for.
We're talking about one of the majors with some of the highest customer satisfaction ratings ... State Farm.
Yeah, the State Farm that currently has a class action against it for knowingly under-valuing the cars and shafting their own customers.

I have NEVER had that happen

That is why you carry underinsured/uninsured coverage. Just have to be careful of the fine print. For instance in California you have to carry at least twice the coverage of the underinsured driver for your policy to pay. So if you carry the state minimum and the other driver does as well, you are screwed.

 

[CalvinT]

If you turn a "Their fault" accident into your insurance, even though it was their fault, it is a damn near certainty that they will raise your rates because of the "activity" on your account.

I never would have thought I'd say this, but insurance companies made me into this monster ... if there is an injury, get a lawyer and start the process for a lawsuit immediately.

If you are hit by an uninsured/underinsured driver, you will have to sue your own insurance company.
Sounds crazy, but that's how it goes these days. Otherwise, these powerful companies will have their way with you.
We are learning this the hard way.

My agent was the one who first suggested this, as he had just gone through the same thing with his wife (hit by uninsured driver) and had to sue the company he sells for.
We're talking about one of the majors with some of the highest customer satisfaction ratings ... State Farm.
Yeah, the State Farm that currently has a class action against it for knowingly under-valuing the cars and shafting their own customers.

My insurance company didn't raise my rates when I turned it into them under my collision insurance. They went after the other insurance company and my rates did not go up. But then I'm not with Geico, Progressive, Allstate, State Farm or Farmers. Don't know what their policies are.

Before you buy insurance, it's a good idea to talk to a good unaffiliated body shop and ask them which companies they prefer working with. There are huge differences. Of the majors, my shop preferred American Family and USAA. But that's here in Phoenix.

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