I really hate my insurance company
02-20-2003, 08:14 AM
#41
Originally posted by bill99gxe
It's also a good reason to ban you, as these shots are known about and discussed on way too frequent of a basis on private forums here. It's a colossal waste of everyone's time.
Getting over your bitterness and simply posting your opinion on the actual topic rather than the bitterness diatribe will garner more respect for you.
It's also a good reason to ban you, as these shots are known about and discussed on way too frequent of a basis on private forums here. It's a colossal waste of everyone's time.
Getting over your bitterness and simply posting your opinion on the actual topic rather than the bitterness diatribe will garner more respect for you.
02-20-2003, 08:28 AM
#42
It's chrome alright...
Join Date: Dec 2001
Posts: 4,009
Originally posted by ericdwong
get $ from you anyway they can by installing redlight cameras.
get $ from you anyway they can by installing redlight cameras.
02-20-2003, 08:31 AM
#43
Originally posted by 2k2wannabe
redlight cameras are an excellent idea !
redlight cameras are an excellent idea !
02-20-2003, 08:35 AM
#44
Originally posted by Jeff92se
I see what you mean. BUT, the insurance companies make more $ this way. And the way you suggest makes for more time and resources to look after individual accounts. You know they ain't gonna do that.
Here's the deal Eric. I'm pretty sure you will be involved in another "incident" before long. So if I were you, I would somehow resolve this Vette thing and start looking for another insurance company. Be prepared to pay though the nose or not be able to be insured at all. Young kids + Vette = not being able to be insured in many cases.
I think we have all commented on this BEFORE you got the vette?
I see what you mean. BUT, the insurance companies make more $ this way. And the way you suggest makes for more time and resources to look after individual accounts. You know they ain't gonna do that.
Here's the deal Eric. I'm pretty sure you will be involved in another "incident" before long. So if I were you, I would somehow resolve this Vette thing and start looking for another insurance company. Be prepared to pay though the nose or not be able to be insured at all. Young kids + Vette = not being able to be insured in many cases.
I think we have all commented on this BEFORE you got the vette?
Eric. Why do you think State Farm has low rates? You complain that they should cover you(ie.. spend a wad of $ on you) but then you go with them because they have low rates. You can't have it all Eric. State Farm is one of the companies(I believe) that prefers to handle low risk policy holders. Thus charges low rates. Even though you might have had "minor" incidents, your young age + the motorcycle/Vette + the type of tickets = HIGH RISK. To them (and to me also), you're a major accident waiting to happen. That means State Farm thinks you're [ ] close to costing them a wad of cash. Believe it or not, insurance companies are a for profit business or more accurately an investment firm. You are a high risk, low profit investment. Thus they will dump you like you had "ENRON" stamped on your forehead.
Higher risk companies will insure you of course, but for that extra risk, comes extra compensation for them.
Higher risk companies will insure you of course, but for that extra risk, comes extra compensation for them.
Young driver + a few tickets/accidents + VETTE = hot potato. What more needs to be said? If you want the insurance companies to act different, consult the insurance commissioner and demand changes. If not, live with it. The rest of us do.
Why to people insist on ice skating uphill?
02-20-2003, 08:40 AM
#45
It's chrome alright...
Join Date: Dec 2001
Posts: 4,009
Originally posted by BrianV
I think he was complaining how they use our tax money to install them and in return it gets more of our money out of our pockets. Kind of funny how it works like that.
I think he was complaining how they use our tax money to install them and in return it gets more of our money out of our pockets. Kind of funny how it works like that.
and believe it or not, this is on-topic for this thread. Insurance companies take a little of everyone's money, and when someone screws up (for WHATEVER reason) they take more of that person's money. Why is this a difficult concept? I pay what I pay for insurance; I don't speed (well, I haven't been caught
), I've never hit a car/deer/person/snowbank/curb, my insurance company has never had to pay out on me. If I hit a car/deer/person/snowbank/curb and my insurance company finds out, I expect my rate to go up. I might not be happy about it, but it's not rocket science.
02-20-2003, 08:42 AM
#46
Originally posted by Jeff92se
Young driver + a few tickets/accidents + VETTE = hot potato. What more needs to be said? If you want the insurance companies to act different, consult the insurance commissioner and demand changes. If not, live with it. The rest of us do.
Why to people insist on ice skating uphill? [/B]
Young driver + a few tickets/accidents + VETTE = hot potato. What more needs to be said? If you want the insurance companies to act different, consult the insurance commissioner and demand changes. If not, live with it. The rest of us do.
Why to people insist on ice skating uphill? [/B]
02-20-2003, 08:51 AM
#47
man i'm 19 and i pay close to 2000 a year for a 1990 gxe...and all i have is liablity....i have metlife and i'm on my moms policy.
i've had no accidents or tickets on my liscense at all....
i live in rhode island
why is it you pay 1600 full coverage on a vette?
maybe i need to change my company....
damn....
i've had no accidents or tickets on my liscense at all....
i live in rhode island
why is it you pay 1600 full coverage on a vette?
maybe i need to change my company....
damn....
02-20-2003, 08:54 AM
#48
It's chrome alright...
Join Date: Dec 2001
Posts: 4,009
Originally posted by Freaknificent
man i'm 19 and i pay close to 2000 a year for a 1990 gxe...and all i have is liablity....i have metlife and i'm on my moms policy.
i've had no accidents or tickets on my liscense at all....
i live in rhode island
why is it you pay 1600 full coverage on a vette?
maybe i need to change my company....
damn....
man i'm 19 and i pay close to 2000 a year for a 1990 gxe...and all i have is liablity....i have metlife and i'm on my moms policy.
i've had no accidents or tickets on my liscense at all....
i live in rhode island
why is it you pay 1600 full coverage on a vette?
maybe i need to change my company....
damn....
02-20-2003, 08:56 AM
#49
Re: I really hate my insurance company
Originally posted by ericdwong
So this brings me to my personal situation. I have 1 ticket for burning out in the Maxima in May of 2001. Later that year I wrecked the motorcycle which was a single vehicle accident. 2002 was clean somehow. But this means I will have to go ALL of 2003 through most of 2004 WITHOUT getting ONE MORE ticket or crashing! Yikes!
And I got 2 high risk vehicles to do that with. And 1 of those vehicles only has 2 wheels so its even more prone to crashing.
So this brings me to my personal situation. I have 1 ticket for burning out in the Maxima in May of 2001. Later that year I wrecked the motorcycle which was a single vehicle accident. 2002 was clean somehow. But this means I will have to go ALL of 2003 through most of 2004 WITHOUT getting ONE MORE ticket or crashing! Yikes!
And I got 2 high risk vehicles to do that with. And 1 of those vehicles only has 2 wheels so its even more prone to crashing.
02-20-2003, 08:56 AM
#50
Originally posted by 2k2wannabe
YOU DEFINITELY need to change companies... or your mom is gouging you on insurance costs
YOU DEFINITELY need to change companies... or your mom is gouging you on insurance costs
i'd say it was my mom but i saw the policy myself and its all true....
whats the best way to find rates? is there a web site? or should i just get out the phone book and start playing phone tag?
02-20-2003, 09:02 AM
#52
Originally posted by Jeff92se
Young driver + a few tickets/accidents + VETTE = hot potato. What more needs to be said? If you want the insurance companies to act different, consult the insurance commissioner and demand changes. If not, live with it. The rest of us do.
Why to people insist on ice skating uphill? [/B]
Young driver + a few tickets/accidents + VETTE = hot potato. What more needs to be said? If you want the insurance companies to act different, consult the insurance commissioner and demand changes. If not, live with it. The rest of us do.
Why to people insist on ice skating uphill? [/B]
02-20-2003, 09:04 AM
#53
Rates are high because Mom has ALOT more to lose if you/she hurts someone. ie.. house and any other equity. Takes 15 min to call a few other companies to get quotes. If you get rates in your own name, it might be cheaper because the only equity you have is probably your car.
Originally posted by Freaknificent
man i'm 19 and i pay close to 2000 a year for a 1990 gxe...and all i have is liablity....i have metlife and i'm on my moms policy.
i've had no accidents or tickets on my liscense at all....
i live in rhode island
why is it you pay 1600 full coverage on a vette?
maybe i need to change my company....
damn....
man i'm 19 and i pay close to 2000 a year for a 1990 gxe...and all i have is liablity....i have metlife and i'm on my moms policy.
i've had no accidents or tickets on my liscense at all....
i live in rhode island
why is it you pay 1600 full coverage on a vette?
maybe i need to change my company....
damn....
02-20-2003, 09:05 AM
#54
Ok....just so im not confused.
You have a motorcycle.......and a maxima.....which you apparently could not take care of and was not fast enough. Then you got a vette.....a C5 no less then crashed it. How, at 19 years of age can you afford these?
Yeah....exactly.
Then you pi** and moan about your insurance which you dont even pay?
Must be nice.
You have a motorcycle.......and a maxima.....which you apparently could not take care of and was not fast enough. Then you got a vette.....a C5 no less then crashed it. How, at 19 years of age can you afford these?
Yeah....exactly.
Then you pi** and moan about your insurance which you dont even pay?
Must be nice.
02-20-2003, 09:08 AM
#55
It's chrome alright...
Join Date: Dec 2001
Posts: 4,009
Originally posted by Freaknificent
whats the best way to find rates?
whats the best way to find rates?
1. call your existing company and tell them it's too expensive and you're going to shop around. They might "find a way to lower your payment" for you.
2. ask friends what they're paying. Ask a few dozen... one of them has a mom or dad who's either in the business or did some howework.
3. cold-call state farm (eric's, seems inexpensive from what's in this thread), amica (mine and inexpensive, but I also have 2 cars and homeowner's), prudential, allstate.... or do a search here for "cheap insurance"... there are a few threads and even a phone number or two.
I agree with Jeff said, too... involve mom before doing any of this. She might have reasons to keep things as they are.
02-20-2003, 09:10 AM
#56
Originally posted by 2k2wannabe
Here's what I'd do:
1. call your existing company and tell them it's too expensive and you're going to shop around. They might "find a way to lower your payment" for you.
2. ask friends what they're paying. Ask a few dozen... one of them has a mom or dad who's either in the business or did some howework.
3. cold-call state farm (eric's, seems inexpensive from what's in this thread), amica (mine and inexpensive, but I also have 2 cars and homeowner's), prudential, allstate.... or do a search here for "cheap insurance"... there are a few threads and even a phone number or two.
Here's what I'd do:
1. call your existing company and tell them it's too expensive and you're going to shop around. They might "find a way to lower your payment" for you.
2. ask friends what they're paying. Ask a few dozen... one of them has a mom or dad who's either in the business or did some howework.
3. cold-call state farm (eric's, seems inexpensive from what's in this thread), amica (mine and inexpensive, but I also have 2 cars and homeowner's), prudential, allstate.... or do a search here for "cheap insurance"... there are a few threads and even a phone number or two.
thanks for info and advice
02-20-2003, 09:29 AM
#57
¿Hablas Español?
Join Date: Oct 2001
Posts: 851
Originally posted by 2k2wannabe
Here's what I'd do:
1. call your existing company and tell them it's too expensive and you're going to shop around. They might "find a way to lower your payment" for you.
2. ask friends what they're paying. Ask a few dozen... one of them has a mom or dad who's either in the business or did some howework.
3. cold-call state farm (eric's, seems inexpensive from what's in this thread), amica (mine and inexpensive, but I also have 2 cars and homeowner's), prudential, allstate.... or do a search here for "cheap insurance"... there are a few threads and even a phone number or two.
I agree with Jeff said, too... involve mom before doing any of this. She might have reasons to keep things as they are.
Here's what I'd do:
1. call your existing company and tell them it's too expensive and you're going to shop around. They might "find a way to lower your payment" for you.
2. ask friends what they're paying. Ask a few dozen... one of them has a mom or dad who's either in the business or did some howework.
3. cold-call state farm (eric's, seems inexpensive from what's in this thread), amica (mine and inexpensive, but I also have 2 cars and homeowner's), prudential, allstate.... or do a search here for "cheap insurance"... there are a few threads and even a phone number or two.
I agree with Jeff said, too... involve mom before doing any of this. She might have reasons to keep things as they are.
my day without it) also ran some coverage of cut-rate insurers. In
the last couple of years nearly 40% of them have gone the bankruptcy
route - leaving people with unpaid or only partially-paid claims. I
would watch out for smallish or regional discount insurers.
Eric, I understand what you mean about wanting individual assessment.
However, I would still side with the insurance company in this case
even after reviewing your individual incidents. The types of
violations and accidents you have had, while they don't indicate fault,
do indicate high-risk behavior. You even noted your videos as an
indication of what you might have been doing the night of the Vette
crash. They're looking at it and saying it's highly improbable that
the only time you ever engaged in these behaviors that resulted in
minor tickets were the time(s) you got caught. Translation = Driver
engages in high-risk behavior on a semi-frequent to frequent basis.
In case they're wrong, they give you some slack with the 36 month period.
In case they're right, the mitigate their risk exposure.
So, wheels down - seat up, traction control on in the Vette, and
take it easy in the Maxima.
02-20-2003, 09:31 AM
#58
Dyno plot says I have the most area under the Administrator curve
Join Date: Jul 2001
Posts: 7,060
Cheaper insurance = better for monthly bottom line.
Cheaper insurance /= better when you actually NEED it.
My $0.02
Good luck, eric.
Cheaper insurance /= better when you actually NEED it.
My $0.02
Good luck, eric.
02-20-2003, 09:37 AM
#59
Re: Re: I really hate my insurance company
Originally posted by Frank Fontaine
Anyway, there are 13 states that are no-fault:
Colorado, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah
Basically it means that your insurance company PAYS YOU regardless of fault. The idea is you don't go to court to try to prove it was only 16% your fault and 84% the other party's fault, and pay out according to that ratio. It does not mean that you hit a deer and your rates will not go up. Hit a deer, experience a theft, get a speeding ticket, you will most likely get your insurance cancelled.
.
Anyway, there are 13 states that are no-fault:
Colorado, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah
Basically it means that your insurance company PAYS YOU regardless of fault. The idea is you don't go to court to try to prove it was only 16% your fault and 84% the other party's fault, and pay out according to that ratio. It does not mean that you hit a deer and your rates will not go up. Hit a deer, experience a theft, get a speeding ticket, you will most likely get your insurance cancelled.
.
if you are at fault for an accident you MUST claim through your own comp or collision for damage to your car. if you don't have comp/coll you're SOL.
eric - as for the deer thing that you seem so hung up on - the reason that would be considered a 0% negligent accident is because many times deers run out into the road in front of you in a flash. since you've never hit a deer you would not know that. you have no reaction time. of course it's a different story if you hit a cow that is grazing in the middle of the street! but by and large animals dart in front of you. like someone mentioned... if "swerving to avoid the deer" or "skidding on ice" was not at fault everyone would say that's how their accident happened. know what i'm saying?
you also seem to harp on the fact that your "minor" ticket for doing burnouts on trays is completely different than someone going 135mph. think again. if i am your insurance co (and thank god i'm not!) i would treat that just as serious. anyone who does burnouts on trays is not driving responsibly and why would that give me any reason to believe they don't travel at 135 mph? maybe they just haven't been caught. i don't know since i don't do them... but i'd imagine it doesn't take much for something to go seriously wrong when you're burning out on trays??
as far as ice being an issue in your case - i'm not going to preach to you - you've gotten enough of that. but lets be honest here. you might not have been thinking so clearly to take a vette out on a cold night that there might be ice on the road with tc off and without winter tires. whether you were showing off to your buddy or flipping trays under your back wheels only you know but do yourself a favor and don't kid yourself.
02-20-2003, 09:44 AM
#60
Re: Re: Re: I really hate my insurance company
Originally posted by CKNY
frank, i don't mean to sound harsh but you have no idea what you're talking about. the information you gave above is completely false. "no fault" insurance does not mean that your company pays you for your damages regardless of fault. no fault specifically applies to PIP or personal injury protection coverage. it has nothing to do with the car. no fault means that you go through your own insurance carrier for any medical bills regardless of fault. it is meant to provide immediate medical coverage for those that need it - rather than them having to wait days/weeks while the insurance companies battle it out.
if you are at fault for an accident you MUST claim through your own comp or collision for damage to your car. if you don't have comp/coll you're SOL.
eric - as for the deer thing that you seem so hung up on - the reason that would be considered a 0% negligent accident is because many times deers run out into the road in front of you in a flash. since you've never hit a deer you would not know that. you have no reaction time. of course it's a different story if you hit a cow that is grazing in the middle of the street! but by and large animals dart in front of you. like someone mentioned... if "swerving to avoid the deer" or "skidding on ice" was not at fault everyone would say that's how their accident happened. know what i'm saying?
you also seem to harp on the fact that your "minor" ticket for doing burnouts on trays is completely different than someone going 135mph. think again. if i am your insurance co (and thank god i'm not!) i would treat that just as serious. anyone who does burnouts on trays is not driving responsibly and why would that give me any reason to believe they don't travel at 135 mph? maybe they just haven't been caught. i don't know since i don't do them... but i'd imagine it doesn't take much for something to go seriously wrong when you're burning out on trays??
as far as ice being an issue in your case - i'm not going to preach to you - you've gotten enough of that. but lets be honest here. you might not have been thinking so clearly to take a vette out on a cold night that there might be ice on the road with tc off and without winter tires. whether you were showing off to your buddy or flipping trays under your back wheels only you know but do yourself a favor and don't kid yourself.
frank, i don't mean to sound harsh but you have no idea what you're talking about. the information you gave above is completely false. "no fault" insurance does not mean that your company pays you for your damages regardless of fault. no fault specifically applies to PIP or personal injury protection coverage. it has nothing to do with the car. no fault means that you go through your own insurance carrier for any medical bills regardless of fault. it is meant to provide immediate medical coverage for those that need it - rather than them having to wait days/weeks while the insurance companies battle it out.
if you are at fault for an accident you MUST claim through your own comp or collision for damage to your car. if you don't have comp/coll you're SOL.
eric - as for the deer thing that you seem so hung up on - the reason that would be considered a 0% negligent accident is because many times deers run out into the road in front of you in a flash. since you've never hit a deer you would not know that. you have no reaction time. of course it's a different story if you hit a cow that is grazing in the middle of the street! but by and large animals dart in front of you. like someone mentioned... if "swerving to avoid the deer" or "skidding on ice" was not at fault everyone would say that's how their accident happened. know what i'm saying?
you also seem to harp on the fact that your "minor" ticket for doing burnouts on trays is completely different than someone going 135mph. think again. if i am your insurance co (and thank god i'm not!) i would treat that just as serious. anyone who does burnouts on trays is not driving responsibly and why would that give me any reason to believe they don't travel at 135 mph? maybe they just haven't been caught. i don't know since i don't do them... but i'd imagine it doesn't take much for something to go seriously wrong when you're burning out on trays??
as far as ice being an issue in your case - i'm not going to preach to you - you've gotten enough of that. but lets be honest here. you might not have been thinking so clearly to take a vette out on a cold night that there might be ice on the road with tc off and without winter tires. whether you were showing off to your buddy or flipping trays under your back wheels only you know but do yourself a favor and don't kid yourself.
02-20-2003, 12:08 PM
#61
Senior Member
Thread Starter
Join Date: Aug 2000
Posts: 2,530
Re: Re: Re: I really hate my insurance company
Originally posted by CKNY
eric - as for the deer thing that you seem so hung up on - the reason that would be considered a 0% negligent accident is because many times deers run out into the road in front of you in a flash. since you've never hit a deer you would not know that.
eric - as for the deer thing that you seem so hung up on - the reason that would be considered a 0% negligent accident is because many times deers run out into the road in front of you in a flash. since you've never hit a deer you would not know that.
02-20-2003, 01:00 PM
#62
Re: Re: Re: Re: I really hate my insurance company
Originally posted by ericdwong
Wanna bet? This was my mom's car.
Wanna bet? This was my mom's car.
You are really hung up on this deer thing. Deer and ice are not the same. I know that when I see deer crossing signs I slow down and keep my eyes open just like I do when I see an ICE sign. It's a lot easier to control yourself in ice then it is to avoid a wild deer that just decides to dart out in front of you at 60 MPH. Your judgement should be able to tell you when you're in an ice like condition and if you knew there was ice around or thought there was you should've been a lot more careful coming out of that corner. I've seen and driven cars that have slid in ice, it's unavoidable at times, but when I'm in icy situations I'm going well under 20 MPH with 4x4 on if available. If I slide at 5-10 MPH the damage is slight if any and the car is more easily recoverable.
Not to rant or not, but everyday millions of people drive in ice and hundreds crash, it's not impossible to drive in ice and it's not an insurance companies job to determine whether ice caused the accident or not, ice is just too common. Also, hitting a deer has indisputable evidence that you hit the deer, it's a lot harder to prove that you slipped up on ice which caused the accident. Even the safest of drivers can still hit a deer (deers move fast), but the safest of drivers shouldn't slide out of control and damage property in ice (ice doesn't move towards your car at any rate that is close to fast).
02-20-2003, 01:23 PM
#63
Senior Member
Thread Starter
Join Date: Aug 2000
Posts: 2,530
No no I actually was the driver of the car. This happened over my senior year in high school so it was about 4 years ago. Yea I guess I am accident prone.
I'm done arguing here, everybody got done what they needed to say and I got a ton of school work to catch up on now that school's back in session after our blizzard break. Take care everybody.
I'm done arguing here, everybody got done what they needed to say and I got a ton of school work to catch up on now that school's back in session after our blizzard break. Take care everybody.
02-20-2003, 01:50 PM
#64
Banned
Join Date: Nov 2002
Posts: 1,216
Re: Re: Re: I really hate my insurance company
Originally posted by CKNY
frank, i don't mean to sound harsh but you have no idea what you're talking about. the information you gave above is completely false. "no fault" insurance does not mean that your company pays you for your damages regardless of fault. no fault specifically applies to PIP or personal injury protection coverage. it has nothing to do with the car. no fault means that you go through your own insurance carrier for any medical bills regardless of fault. it is meant to provide immediate medical coverage for those that need it - rather than them having to wait days/weeks while the insurance companies battle it out.
if you are at fault for an accident you MUST claim through your own comp or collision for damage to your car. if you don't have comp/coll you're SOL.
eric - as for the deer thing that you seem so hung up on - the reason that would be considered a 0% negligent accident is because many times deers run out into the road in front of you in a flash. since you've never hit a deer you would not know that. you have no reaction time. of course it's a different story if you hit a cow that is grazing in the middle of the street! but by and large animals dart in front of you. like someone mentioned... if "swerving to avoid the deer" or "skidding on ice" was not at fault everyone would say that's how their accident happened. know what i'm saying?
you also seem to harp on the fact that your "minor" ticket for doing burnouts on trays is completely different than someone going 135mph. think again. if i am your insurance co (and thank god i'm not!) i would treat that just as serious. anyone who does burnouts on trays is not driving responsibly and why would that give me any reason to believe they don't travel at 135 mph? maybe they just haven't been caught. i don't know since i don't do them... but i'd imagine it doesn't take much for something to go seriously wrong when you're burning out on trays??
as far as ice being an issue in your case - i'm not going to preach to you - you've gotten enough of that. but lets be honest here. you might not have been thinking so clearly to take a vette out on a cold night that there might be ice on the road with tc off and without winter tires. whether you were showing off to your buddy or flipping trays under your back wheels only you know but do yourself a favor and don't kid yourself.
frank, i don't mean to sound harsh but you have no idea what you're talking about. the information you gave above is completely false. "no fault" insurance does not mean that your company pays you for your damages regardless of fault. no fault specifically applies to PIP or personal injury protection coverage. it has nothing to do with the car. no fault means that you go through your own insurance carrier for any medical bills regardless of fault. it is meant to provide immediate medical coverage for those that need it - rather than them having to wait days/weeks while the insurance companies battle it out.
if you are at fault for an accident you MUST claim through your own comp or collision for damage to your car. if you don't have comp/coll you're SOL.
eric - as for the deer thing that you seem so hung up on - the reason that would be considered a 0% negligent accident is because many times deers run out into the road in front of you in a flash. since you've never hit a deer you would not know that. you have no reaction time. of course it's a different story if you hit a cow that is grazing in the middle of the street! but by and large animals dart in front of you. like someone mentioned... if "swerving to avoid the deer" or "skidding on ice" was not at fault everyone would say that's how their accident happened. know what i'm saying?
you also seem to harp on the fact that your "minor" ticket for doing burnouts on trays is completely different than someone going 135mph. think again. if i am your insurance co (and thank god i'm not!) i would treat that just as serious. anyone who does burnouts on trays is not driving responsibly and why would that give me any reason to believe they don't travel at 135 mph? maybe they just haven't been caught. i don't know since i don't do them... but i'd imagine it doesn't take much for something to go seriously wrong when you're burning out on trays??
as far as ice being an issue in your case - i'm not going to preach to you - you've gotten enough of that. but lets be honest here. you might not have been thinking so clearly to take a vette out on a cold night that there might be ice on the road with tc off and without winter tires. whether you were showing off to your buddy or flipping trays under your back wheels only you know but do yourself a favor and don't kid yourself.
Eric, man, I feel kinda bad for you for taking somewhat of a "beating" on this thread. I know you were expecting people to pity you, and some did do that, but I think if you were looking at your situation from the side, you'd agree with the majority of the poeple here. You're just ****ed off cause YOU are stuck in the position, and I don't blame you, cause I'd be ****ed too, but just look at it from an outsider's perspective, and I think you'll realize that the insurance co. is justified in its response.
Anyhow, just take it easy with the driving, and don't do anything stupid. Try to drive as near to perfect as possible, and chalk this whole thing up as a lesson learned.
02-20-2003, 02:14 PM
#66
For Sale:
Maryland bus map
Maryland train/subway map
local taxi/car service number listing
oh and by the way...my friend who's 18 got a 911 Turbo and his mom pays $1000 in insurance..but the ding bat got 5 speeding tickets and now the company is raising his rate...WTF man?!!?!? why are they raising his rates? it's not like he didn't anything bad.
"oh and i swear officer that deer...err -curb- came out of no where and slam right into my car."
Maryland bus map
Maryland train/subway map
local taxi/car service number listing
oh and by the way...my friend who's 18 got a 911 Turbo and his mom pays $1000 in insurance..but the ding bat got 5 speeding tickets and now the company is raising his rate...WTF man?!!?!? why are they raising his rates? it's not like he didn't anything bad.
"oh and i swear officer that deer...err -curb- came out of no where and slam right into my car."
02-20-2003, 02:16 PM
#67
Originally posted by DanNY
For Sale:
Maryland bus map
Maryland train/subway map
local taxi/car service number listing
oh and by the way...my friend who's 18 got a 911 Turbo and his mom pays $1000 in insurance..but the ding bat got 5 speeding tickets and now the company is raising his rate...WTF man?!!?!? why are they raising his rates? it's not like he didn't anything bad.
"oh and i swear officer that deer...err -curb- came out of no where and slam right into my car."
For Sale:
Maryland bus map
Maryland train/subway map
local taxi/car service number listing
oh and by the way...my friend who's 18 got a 911 Turbo and his mom pays $1000 in insurance..but the ding bat got 5 speeding tickets and now the company is raising his rate...WTF man?!!?!? why are they raising his rates? it's not like he didn't anything bad.
"oh and i swear officer that deer...err -curb- came out of no where and slam right into my car."
02-20-2003, 02:41 PM
#68
vicodin ... gift of life
Join Date: Apr 2002
Location: norcal
Posts: 5,401
dang u guys are so mean lol
02-20-2003, 03:49 PM
#69
5 pages
Eric you've heard it once, twice, again and again...so I won't repeat. A lot of places may not want to touch you after this but you may want to try Progressive and if worst comes to worse there is always MAIF (Maryland Automobile Insurance Fund) for people like me with a messed up record. Two at fault accidents and a reckless driving ticket, which equals a lot of insurance points and $335 dollars a month for full coverage
. I bet that I pay the highest per month for insurance on the Org but I own up to my mistakes and this is the price that I will have to pay for a while.
You live, you learn, you make a mistake you pay the price. You just have to be smart about what you do because no matter how much you rant over this, it will not change your situation. Consider getting a beater to drive around in, pay liability, and stay low and out of trouble for a couple of years until you record is cleared.
Eric you've heard it once, twice, again and again...so I won't repeat. A lot of places may not want to touch you after this but you may want to try Progressive and if worst comes to worse there is always MAIF (Maryland Automobile Insurance Fund) for people like me with a messed up record. Two at fault accidents and a reckless driving ticket, which equals a lot of insurance points and $335 dollars a month for full coverage
. I bet that I pay the highest per month for insurance on the Org but I own up to my mistakes and this is the price that I will have to pay for a while. You live, you learn, you make a mistake you pay the price. You just have to be smart about what you do because no matter how much you rant over this, it will not change your situation. Consider getting a beater to drive around in, pay liability, and stay low and out of trouble for a couple of years until you record is cleared.
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