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Posted on 2/7/24 at 1:04 pm to Adajax
Just pay it from the savings you had from the independent agent.
Posted on 2/7/24 at 1:11 pm to holmesbr
Trust a little, verify a lot.
We were about to have roof work done on our townhouse in the French Quarter and I asked for proof of workman's comp.
The guy gave me a xerox of his workman's comp insurance.
I called the company. They hadn't insured him for over a decade. He had altered the dates on his old proof and given me a xerox of that alteration.
Needless to say, we didn't use him.
Verify verify verify. Your net worth may depend on it.
We were about to have roof work done on our townhouse in the French Quarter and I asked for proof of workman's comp.
The guy gave me a xerox of his workman's comp insurance.
I called the company. They hadn't insured him for over a decade. He had altered the dates on his old proof and given me a xerox of that alteration.
Needless to say, we didn't use him.
Verify verify verify. Your net worth may depend on it.
Posted on 2/7/24 at 1:13 pm to TDsngumbo
quote:
The agent should make it right. All he has to do is give the DMV proof of when you canceled the previous policy and when the new one took effect. If it was 25 hours or more, you’re fricked but if it was done on the same day then there’s nothing to worry about.
Correct, but there’s a lot missing from this story
Posted on 2/7/24 at 1:13 pm to DCtiger1
quote:quote:
leverage to negotiate a better deal
Y'all crack me up with this shite
What's funny about it? It works. I saved a boatload last year by shopping car and homeowners. They count on you letting it slide and not shopping.
Posted on 2/7/24 at 1:15 pm to Adajax
If you don't have anything in writing you can go ahead and just pay that $1,400 and move on because "I promise he told me over the phone" aint gunna fly in small claims court.
Posted on 2/7/24 at 1:18 pm to Adajax
Email hum and cc the Insurance Commisioners office
Posted on 2/7/24 at 1:30 pm to Teddy1388
quote:
you truly never had a lapse, you wouldn't have a fine. OR the DMV/State screwed up and proof of coverage with no lapse would clear up the issue.
Don't assume the DMV is on top of it. I got a letter from them in my name for a car I bought 2 months before saying insurance lapsed and I had a fine. I never even had a policy at the carrier listed (previous owners policy I guess). I had coverage on the car all along on my policy. Get that sorted out. Then get one for my other car I bought new 5 yrs ago and saying it lapsed. DMV said the computer dies that sometimes.
Posted on 2/7/24 at 1:34 pm to Tarps99
quote:
They denied the claim, she sued and I don’t remember hearing if they settled or one side won.
Pretty sure the car insurance paid on the bodily injury/medical part.
Posted on 2/7/24 at 1:40 pm to tadman
quote:
What's funny about it? It works. I saved a boatload last year by shopping car and homeowners. They count on you letting it slide and not shopping.
What’s funny is you think insurance rates are controlled by agents and are somehow negotiable.
Posted on 2/7/24 at 1:50 pm to OKBoomerSooner
Haha, I had a number they would answer at one time, last time I called it had been disconnected. La-A ain’t bout ansern a phone call when she social media-n.
Posted on 2/7/24 at 1:54 pm to DCtiger1
quote:
'all crack me up with this shite
Insurance threads have become my favorite lol
Posted on 2/7/24 at 1:57 pm to jorconalx
the ignorance entertains me, but what is really funny is this mindset of getting one over on the agent. I can assure you no one is losing sleep over you switching to save a few bucks.
Posted on 2/7/24 at 2:05 pm to stout
Why does anyone still use an actual agent? Just look for quotes online from all the major providers and handle everything from their app.
Posted on 2/7/24 at 2:09 pm to jcaz
Turns out a lot of people still like dealing with the same person, in person while also having accessibility via a website or mobile app. Who knew?
Posted on 2/7/24 at 2:11 pm to LSUSkip
quote:Not necessarily a good idea because then if the other party ends up demanding more money than either your E&O deductible or what you were willing to pay out of pocket and you end up having to get your E&O carrier involved, they may deny coverage because you probably violated the terms of your E&O policy by admitting fault and attempting to negotiate your own settlement.
they have errors and omissions insurance for such an issue,but I'm willing to bet they would rather pay out of pocket to fix it legally and ethically than to make a claim.
Posted on 2/7/24 at 2:15 pm to Tiger Prawn
It’s a much easier fix that will most likely involve very minimal fees and in the past has been paid directly by the carrier, but again we get one side of the story and everyone’s first inclination is to sue. Go figure.
Posted on 2/7/24 at 2:15 pm to Huey Lewis
quote:
For future reference, you can buy auto insurance from Geico, Progressive, and probably many other companies from their websites. You don't need an insurance agent.
Unless its commercial auto a lot of times its better to go the broker/agent route with those.
Posted on 2/7/24 at 2:18 pm to Broyota2
The largest auto insurance company in the US is agent based. Most people purchasing online have zero clue what they are even buying
Posted on 2/7/24 at 2:19 pm to jcaz
quote:Because a ton of people have no idea what they're doing. You'd be surprised how many people I've talked to over the years who thought their hurricane deductible was a percentage of whatever their claim amount was. Or that thought their homeowners insurance would cover their ATV or boat.
Why does anyone still use an actual agent?
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