Comments for Auto Insurace

Comment on When Changing auto insurance company, do they ask me to go through inspection on my vehicle? by Runner66

Runner66 — Thu, 11 Mar 2010 15:39:55 +0000

I just put full coverage on a new vehicle i purchased and only had liability on the previous car. They did not ask for pix of the new car, but this is through the same ins. co. It all depends on what they’re policies are.

Comment on How do I make an auto insurance claim for scratches through auto owners? by Coastcowboy

Coastcowboy — Thu, 11 Mar 2010 06:37:33 +0000

Insurance claims lesson #1: each and every loss event is a seperate claim with a seperate deductible. Even if you have zero deductible your claims frenquency will soar and you will risk either being non-renewed or super high premiums. Don’t think you can shark the inspector either — they can tell old, touched-up damage from fresh damage. My advice is to make your brother/sister pay for the damage….

Comment on Is the auto-insurance claim information shared if I switch the insurance company? by Nate W

Nate W — Thu, 11 Mar 2010 05:53:28 +0000

Most of the time, yes they will find those prior claims.
Many insurance companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an insurance company.
Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.

Because your rate went up due to the claims, it’s not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.

Comment on What happens if you don’t pay your auto insurance on a financed car? by Hank

Hank — Thu, 11 Mar 2010 02:44:45 +0000

Yes they can take your car, it’s all in the contract you signed with them to keep insurance on the vehicle.

Comment on How do I make an auto insurance claim for scratches through auto owners? by pollo_314

pollo_314 — Wed, 10 Mar 2010 11:54:02 +0000

I would settle out of pocket or pay for this yourself, each one of these scratches is a separate occurrence… which means for each scratch before your insurance will pay anything you have to pay your deductible for comprehensive/other that collision coverage. Typically this is $500 or so for each scratch… in the end your only going to end up with a higher premium and nothing from your insurance company to show for it.

Comment on Grand Theft Auto for the NES by HeshamUchia

HeshamUchia — Wed, 10 Mar 2010 10:20:47 +0000

looks more like an atari 2600 game

Comment on When Changing auto insurance company, do they ask me to go through inspection on my vehicle? by Kiffin

Kiffin — Wed, 10 Mar 2010 05:20:11 +0000

If you need or want collision coverage, they will ask for photos of the vehicle from both sides straight on, front and rear straight on and three-quarter views from every corner. Therefore, you’re better off telling them about any damage on the car. That way, they protect themselves from spurious claims for pre-existing damage.

Comment on Is the auto-insurance claim information shared if I switch the insurance company? by Fred C

Fred C — Tue, 09 Mar 2010 19:05:17 +0000

Of course! One of the questions in the applicationt that must be answered truthfully is similar wording to “please list all accidents you have been involved in as a driver, whether at fault or not, in the last #x years”. They also ask for the approximate amount of any claim associated with the accidents. Some companies want 3 years, some 5, and they do check. If they issue a policy immediately based on falsed information, you would receive a registered letter within days, possibly cancelling it, or increasing premiums substantially. In my office, sometimes I would fax an application and receive a phonce call back within half an hour asking why a certain accident hadn’t been declared by the applicant.

Comment on Grand Theft Auto for the NES by lpfan247

lpfan247 — Tue, 09 Mar 2010 10:33:45 +0000

does it haz DLC?

Comment on Is the auto-insurance claim information shared if I switch the insurance company? by Stupid Flanders

Stupid Flanders — Tue, 09 Mar 2010 07:11:15 +0000

Your driving record (including accidents, tickets and filed claims) is public knowledge and is kept on a database through your state. Most states use the same database so that your driving record is basically public knowledge.

While Insurance company Y doesn’t get information directly from Insurance company X, all they have to do is look up on the database to find all of your tickets, claims and accidents.

Basically, you shouldn’t lie on your application because you won’t get away with it.