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Started By
Message
Car insurance is a racket
Posted on 8/15/19 at 5:50 pm
Posted on 8/15/19 at 5:50 pm
My truck windshield was cracked last October while driving to Houston. I've been more or less ignoring it because it's not in my line of sight while driving, so no big deal. I recently re-upped with Allstate and got my comprehensive deductible down from $500 to $100. I'm going get my truck serviced tomorrow, so I went ahead and last Monday filed a claim for a new windshield. $100 bucks, why not.
I get a call from them an hour ago confirming my appointment tomorrow morning and they're reviewing my claim with me and tell me I'll owe $500 for the windshield. I told them they were incorrect and that my deductible was currently $100 as I renewed my policy and lowered it. They told me that since I told them that the damage happened last October (when my comprehensive was $500) that's what I would owe to replace the windshield. Asked to speak with a supervisor (her name was Karen), let her have it for a bit and asked "if I would have said this happened last week, I would only owe $100, correct?" "Yes sir, that's correct." "So since I was honest about when it happened, I have to pay an extra $400?" "Unfortunately yes sir, that's the case."
TL;DR - Lie. Lie your arse off.
I get a call from them an hour ago confirming my appointment tomorrow morning and they're reviewing my claim with me and tell me I'll owe $500 for the windshield. I told them they were incorrect and that my deductible was currently $100 as I renewed my policy and lowered it. They told me that since I told them that the damage happened last October (when my comprehensive was $500) that's what I would owe to replace the windshield. Asked to speak with a supervisor (her name was Karen), let her have it for a bit and asked "if I would have said this happened last week, I would only owe $100, correct?" "Yes sir, that's correct." "So since I was honest about when it happened, I have to pay an extra $400?" "Unfortunately yes sir, that's the case."
TL;DR - Lie. Lie your arse off.
48
Posted on 8/15/19 at 5:52 pm to AverageJoe26
A windshield cost like 300 bucks dude. Just pay for it yourself
Posted on 8/15/19 at 5:52 pm to AverageJoe26
I just tell them I got a broke windshield and need it fixed.
Posted on 8/15/19 at 5:53 pm to AverageJoe26
Drop them and go with someone else.
Posted on 8/15/19 at 5:53 pm to AverageJoe26
Why would you file a claim for a new windshield?
Posted on 8/15/19 at 5:54 pm to AverageJoe26
Uh, yeah. If you give insurance of any kind reason to believe that you've been delaying repair or use, they are going to frick you as hard as they reasonably can.
Posted on 8/15/19 at 5:54 pm to AverageJoe26
It might be a racket, but not for the reason you listed.
Posted on 8/15/19 at 5:54 pm to AverageJoe26
WTF dude, that's how life works. It is just like someone can't wreck a car then get collision/comprehensive added the next day to cover the damage.
Posted on 8/15/19 at 5:55 pm to AverageJoe26
You're mad that they want you to pay the correct deductible? And recommend everyone else commit insurance fraud?
Do you also bitch about the high cost of insurance?
Do you also bitch about the high cost of insurance?
Posted on 8/15/19 at 5:55 pm to Obtuse1
This car insurance bullshite in Louisiana HAS to end.
Posted on 8/15/19 at 5:56 pm to AverageJoe26
quote:
recently re-upped with Allstate and got my comprehensive deductible down from $500 to $100
Why on earth would you want a $100 deductible? Is that all you can afford? You're far better off, mathematically, with as high a deductible as you can afford.
Posted on 8/15/19 at 5:57 pm to AverageJoe26
Let me get this straight.
You told them the damage was done when your deductible was $500.
And you expect them to just say, oh okay. Your so nice and honest, since you didnt claim this until you lowered your deductible, we're gonna take the hit?
You told them the damage was done when your deductible was $500.
And you expect them to just say, oh okay. Your so nice and honest, since you didnt claim this until you lowered your deductible, we're gonna take the hit?
Posted on 8/15/19 at 5:57 pm to AverageJoe26
What you are trying to do is insurance fraud.
Posted on 8/15/19 at 5:57 pm to AverageJoe26
quote:
TL;DR - Lie. Lie your arse off.
Advocating insurance fraud? You are not a very smart man, sir.
Posted on 8/15/19 at 5:57 pm to Obtuse1
quote:
WTF dude, that's how life works. It is just like someone can't wreck a car then get collision/comprehensive added the next day to cover the damage.
Shhhh, let him rant.
Posted on 8/15/19 at 5:59 pm to stapuffmarshy
quote:
And you expect them to just say, oh okay. Your so nice and honest, since you didnt claim this until you lowered your deductible, we're gonna take the hit?
Yeah, shite most people lower their comp just for this reason
Posted on 8/15/19 at 6:01 pm to AverageJoe26
quote:
They told me that since I told them that the damage happened last October (when my comprehensive was $500) that's what I would owe to replace the windshield.
Well you reported the claim with a date during the time when your deductible was $500.
Also, don’t you think it’s a little dishonest to lower your deductible then file your claim?
Posted on 8/15/19 at 6:01 pm to stapuffmarshy
quote:Well, the other option was lie and say it happened last week and it would've only cost him $100
And you expect them to just say, oh okay. Your so nice and honest, since you didnt claim this until you lowered your deductible, we're gonna take the hit?
Hence the racket
Posted on 8/15/19 at 6:02 pm to AverageJoe26
racket??? try getting car insurance in late 80's, early 90's, when there wasn't competition. Market was limited.
at 16, you were paying 1,600 for full coverage on anything. And much more if you had a new ride.
Once competition was allowed, shite hit a reasonable rate.
at 16, you were paying 1,600 for full coverage on anything. And much more if you had a new ride.
Once competition was allowed, shite hit a reasonable rate.
Posted on 8/15/19 at 6:03 pm to Captain Crackysack
My windshield costs $1300 to replace. I have sensors and the speed display.
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