my insurance has gone up
01-07-2002, 08:36 PM
#1
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Thread Starter
Join Date: Sep 2000
Posts: 4,604
my insurance has gone up
Ok guys,
Next time you pick on me for hiring a lawyer every time I get a speeding ticket (got 5 out of 5 dismissed,) think about this.
I got two tickets this year, and decided to just pay them, to take the lazy way.
Well I got my insurance renewal premium notice today, and my rates JUST ON MY TRUCK have gone up $400 per year. I can't wait to get my renewal for the car.
My agent told me the surcharge will stay for three years. Assuming the surcharge is about the same on the car, We are talking about a speeding ticket cost of $1350 each. ($1200 insurance increase each, $200 per ticket per year per vehicle for three years, PLUS $150 fine per ticket)
The lawyer is back on the payroll!!
Next time you pick on me for hiring a lawyer every time I get a speeding ticket (got 5 out of 5 dismissed,) think about this.
I got two tickets this year, and decided to just pay them, to take the lazy way.
Well I got my insurance renewal premium notice today, and my rates JUST ON MY TRUCK have gone up $400 per year. I can't wait to get my renewal for the car.
My agent told me the surcharge will stay for three years. Assuming the surcharge is about the same on the car, We are talking about a speeding ticket cost of $1350 each. ($1200 insurance increase each, $200 per ticket per year per vehicle for three years, PLUS $150 fine per ticket)
The lawyer is back on the payroll!!
01-07-2002, 10:06 PM
#3
Donating Maxima.org Member
Join Date: Oct 2001
Posts: 347
Re: Re: my insurance has gone up
Originally posted by RedMax95
ooh that sux, i get increases without claims and tickets bc the insurance company thinks its fun
ooh that sux, i get increases without claims and tickets bc the insurance company thinks its fun
Insurance companies got you by the b***s, cuz to go without would be foolish.
Insurance = necessary evil
01-07-2002, 10:14 PM
#4
Senior Member
Join Date: Jul 2001
Posts: 602
My favorite statements about the insurance industry come from Chris Rock's "Bigger and Blacker" -
Insurance should be called "in case ****". You give a company some money in case **** happens...Now, if **** don't happen, shouldn't I get my money back?!
Insurance should be called "in case ****". You give a company some money in case **** happens...Now, if **** don't happen, shouldn't I get my money back?!
01-08-2002, 03:04 AM
#6
Dyno plot says I have the most area under the Administrator curve
Join Date: Jul 2001
Posts: 7,060
Damn that sucks!!
This is exactly why I fight every single speeding ticket I get. The actual fines are trivial. The real scam is in the insurance premium hikes like this, and that's where it really hurts.
I've successfully negotiated my past 2 speeding tickets down to 5-over/No-points, and the no-points part is what keeps my insurance low. I'm 24, BTW.
Fight every ticket - avoid the insurance premium scam!
This is exactly why I fight every single speeding ticket I get. The actual fines are trivial. The real scam is in the insurance premium hikes like this, and that's where it really hurts.
I've successfully negotiated my past 2 speeding tickets down to 5-over/No-points, and the no-points part is what keeps my insurance low. I'm 24, BTW.
Fight every ticket - avoid the insurance premium scam!
01-08-2002, 03:07 AM
#7
Senior Member
Join Date: Jun 2001
Posts: 4,317
Re: my insurance has gone up
Originally posted by MaineI30
Ok guys,
Next time you pick on me for hiring a lawyer every time I get a speeding ticket (got 5 out of 5 dismissed,) think about this.
I got two tickets this year, and decided to just pay them, to take the lazy way.
Well I got my insurance renewal premium notice today, and my rates JUST ON MY TRUCK have gone up $400 per year. I can't wait to get my renewal for the car.
My agent told me the surcharge will stay for three years. Assuming the surcharge is about the same on the car, We are talking about a speeding ticket cost of $1350 each. ($1200 insurance increase each, $200 per ticket per year per vehicle for three years, PLUS $150 fine per ticket)
The lawyer is back on the payroll!!
Ok guys,
Next time you pick on me for hiring a lawyer every time I get a speeding ticket (got 5 out of 5 dismissed,) think about this.
I got two tickets this year, and decided to just pay them, to take the lazy way.
Well I got my insurance renewal premium notice today, and my rates JUST ON MY TRUCK have gone up $400 per year. I can't wait to get my renewal for the car.
My agent told me the surcharge will stay for three years. Assuming the surcharge is about the same on the car, We are talking about a speeding ticket cost of $1350 each. ($1200 insurance increase each, $200 per ticket per year per vehicle for three years, PLUS $150 fine per ticket)
The lawyer is back on the payroll!!
01-08-2002, 01:48 PM
#9
Donating Maxima.org Member
Join Date: Sep 2000
Posts: 5,363
Originally posted by RedMax95
that sux too, im going to court in a few days for a bs ticket that i got over a year ago
that sux too, im going to court in a few days for a bs ticket that i got over a year ago
I sent mine almost a month ago and still haven't heard anything from the DMV.
01-09-2002, 10:27 PM
#13
Senior Member
Join Date: Jun 2001
Posts: 3,760
Re: going up
Originally posted by theMax
a lot of companies are increasing their rates because of 9/11. My parents are in NYC and all their policies are increasing this year (not just their cars)
a lot of companies are increasing their rates because of 9/11. My parents are in NYC and all their policies are increasing this year (not just their cars)
01-09-2002, 10:40 PM
#14
mine was 1480 a year when i started with this company... now a little more than a year and a half later its a little over 2000! everytime i ask they say "the rates have gone up" WTF?? i pay $500 more a year, 25% increase because of other people on the road? its not enough for them that we already pay up the a$$, they have to increase us while out record is clean 
... id hate to see what would happen if i got a speeding ticket or an accident.. then i ask them to look for a cheaper company because theyre a brokerage.. no they dont find anything cheaper (which i know is BS, why would they want to make less money off of me?) so i found a cheaper company that im going to when my policy is up in 3 months and they can kiss my a$$! man does it pi$$ me off
... id hate to see what would happen if i got a speeding ticket or an accident.. then i ask them to look for a cheaper company because theyre a brokerage.. no they dont find anything cheaper (which i know is BS, why would they want to make less money off of me?) so i found a cheaper company that im going to when my policy is up in 3 months and they can kiss my a$$! man does it pi$$ me off
01-10-2002, 06:44 AM
#15
Supporting Maxima.org Member
Join Date: May 2001
Posts: 944
Re: going up
Originally posted by theMax
a lot of companies are increasing their rates because of 9/11. My parents are in NYC and all their policies are increasing this year (not just their cars)
a lot of companies are increasing their rates because of 9/11. My parents are in NYC and all their policies are increasing this year (not just their cars)
01-10-2002, 07:20 AM
#17
Senior Member
Join Date: Aug 2000
Posts: 2,075
Re: my insurance has gone up
I believe in hiring a lawyer for your exact reasoning.. $200 now or $20 a month in surcharges for 3 years each ticket!!
Originally posted by MaineI30
Ok guys,
Next time you pick on me for hiring a lawyer every time I get a speeding ticket (got 5 out of 5 dismissed,) think about this.
I got two tickets this year, and decided to just pay them, to take the lazy way.
Well I got my insurance renewal premium notice today, and my rates JUST ON MY TRUCK have gone up $400 per year. I can't wait to get my renewal for the car.
My agent told me the surcharge will stay for three years. Assuming the surcharge is about the same on the car, We are talking about a speeding ticket cost of $1350 each. ($1200 insurance increase each, $200 per ticket per year per vehicle for three years, PLUS $150 fine per ticket)
The lawyer is back on the payroll!!
Ok guys,
Next time you pick on me for hiring a lawyer every time I get a speeding ticket (got 5 out of 5 dismissed,) think about this.
I got two tickets this year, and decided to just pay them, to take the lazy way.
Well I got my insurance renewal premium notice today, and my rates JUST ON MY TRUCK have gone up $400 per year. I can't wait to get my renewal for the car.
My agent told me the surcharge will stay for three years. Assuming the surcharge is about the same on the car, We are talking about a speeding ticket cost of $1350 each. ($1200 insurance increase each, $200 per ticket per year per vehicle for three years, PLUS $150 fine per ticket)
The lawyer is back on the payroll!!
01-10-2002, 10:06 AM
#18
my broker is dcap... theyre horrible.. they baited me in with 740 for 6 months telling me in a year they might be able to get me down to like 1100 a year... then after each 6 month policy it increased. they also had me go on 6 month policies so they can raise me after 6 months and not a year oh well, after april im droppin them like a bad habit
oh well, after april im droppin them like a bad habit
01-10-2002, 10:22 AM
#19
my insurance company can suck deez nutz, i got one ticket in february last year and 1 accident in july, if i had gotten points for the second ticket in July then my insurance would have dropped me, i got off with no points and now they are back at square 1 so F em.
01-10-2002, 02:44 PM
#20
Senior Member
Join Date: Nov 2000
Posts: 3,883
Re: Re: my insurance has gone up
Originally posted by Washington DC Maxima
I believe in hiring a lawyer for your exact reasoning.. $200 now or $20 a month in surcharges for 3 years each ticket!!
I believe in hiring a lawyer for your exact reasoning.. $200 now or $20 a month in surcharges for 3 years each ticket!!
Already the insurance industry is a sham, why do a double-whammy and pay a lawyer on top of that. For traffic? All the people I know went in on their own, and in MOST cases they still paid a fine in $$$ but they avoided points. Any lawyer who claims they guarantee that for a fee is full of it. They can't do anything on a plain violation that you can't do yourself.
Where you need a lawyer is in cases the penalty is wide-open, not where the outcome is predictable. Just my opinion.
01-10-2002, 04:24 PM
#21
Senior Member
Join Date: Aug 2000
Posts: 859
I've gotten a lawyer before. Cost $250, help, none. Not his fault, but judge pretty much sided with the officer, let them go to their office to get the piece of paper to verify the radar detector was accurate, etc... they reduced my bill, but still went on the record. So it doesn't always help.
01-10-2002, 04:30 PM
#22
Originally posted by mrb23
I've gotten a lawyer before. Cost $250, help, none. Not his fault, but judge pretty much sided with the officer, let them go to their office to get the piece of paper to verify the radar detector was accurate, etc... they reduced my bill, but still went on the record. So it doesn't always help.
I've gotten a lawyer before. Cost $250, help, none. Not his fault, but judge pretty much sided with the officer, let them go to their office to get the piece of paper to verify the radar detector was accurate, etc... they reduced my bill, but still went on the record. So it doesn't always help.
01-11-2002, 04:35 AM
#25
Senior Member
Join Date: Nov 2000
Posts: 3,883
Originally posted by RedMax95
they do say one who represents himself in court is a fool
they do say one who represents himself in court is a fool
Yes, there are times when lawyers are needed. It's unfortunate. For the study of law, and the true administration of justice is the firmest pillar of good government, e pluribus unum, and don't forget justice is the firm and continuous desire to render every man his due.
But seriously, a lawyer is needed when a person is facing criminal charges, a civil lawsuit, or closing on a home. Not speeding tickets. C'mon now.
01-11-2002, 04:50 AM
#26
Originally posted by RedMax95
they do say one who represents himself in court is a fool
they do say one who represents himself in court is a fool
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
01-11-2002, 05:20 AM
#27
Originally posted by dmbmaxima88
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
01-11-2002, 05:27 AM
#28
Donating Maxima.org Member
Join Date: Sep 2000
Posts: 5,363
Originally posted by dmbmaxima88
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
01-11-2002, 07:37 AM
#29
Originally posted by dmbmaxima88
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
knock on wood
01-11-2002, 08:22 AM
#30
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Join Date: Aug 2000
Location: In middle of all the actions in Boston!
Posts: 2,674
Originally posted by dmbmaxima88
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
list of ticket I'VE beaten by myself
$500-drag racing
$300-washer nozzle lights(red SECOND warning)
$255-63 in a 35
$200-60 in a 40
$100 PLUS getting arrested- reduced to 50 bucks and continued on the FAILURE TO STOP FOR A POLICE OFFICER, and 50 in a 30
all this in under 2 years.
01-11-2002, 10:05 PM
#32
Originally posted by RedMax95
thats a nice list, my dad always told me that quote, just thought i was worth mentioning
thats a nice list, my dad always told me that quote, just thought i was worth mentioning
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