Car Insurance

In all my cases, the only contact with my agent was a phone call asking if I had an accident.

In the case of the windshields, I didn't call my agent, I called Farmers , they have a hot line.   QED

Klayfish said:

ddavidv said:

dean1484 said:

 

Sounds like you have not had a very good agent.  Again this reinforces why a good agent is important. There are many agents out there that will sell you the policy and collect there commission and do nothing more. You want one that will act as your advocate not just your sales person. 

The exception, not the rule. Very few agents will get involved in the claim process and honestly as an adjuster I'm thankful for this. Most agents have next to zero knowledge about the claim process and when they do stick their nose in it just winds up pissing everyone else off.

I had maybe two agents worth a damn in my over 25 years of doing claims. The rest were either blissfully silent or caused more problems than they solved.

This.  The majority of agents have zero clue how claims work.  They usually just muddy the waters instead of helping, no matter how well intended they are.  Their job is to sell policies.  The analogy I always use is to walk into a car dealership and ask the salesman to replace your head gasket. 

I love my agent (she's also my mother) and she's very good at the agent part making sure we're covered and not overpaying.  When I had claims she was also good at telling me what I was covered for so I knew what to ask and gave me the number to call to submit it.  The company took over and did everything else.   

Paul_VR6 said:

I've been on Erie for about 20 years. Had a single vehicle at fault in my E46 (backed it into a telephone pole at some speed) and it was handled (relatively) well. No rise in rates, paid out quick once the car was determined totaled (bent exhaust manifolds did it believe it or not). That being said it's my only claim in that time and insure 3 cars with them plus homeowners and an umbrella policy. 

Erie is generally a very good company. When is the last time you saw an ad for them? Yup, my theory once again proven correct.

I use two insurance companies for my cars. I think I have 10 insured at the moment. USAA and Shelter Insurance. USAA is very easy to insure a newly purchased car online in a matter of minutes and I've been with them for decades. Shelter Insurance is less expensive and has an office minutes away from my house, staffed by real people that I like to work with in person. I did a homeowner's claim with Shelter a while ago for storm damage. It was simple and quick. I've never done an auto claim with them.

With USAA, I just had an at fault claim for damaging the rear hatch and bumper of my SUV when a trailer popped off the hitch. It was simple to do the claim by submitting pictures with an online app. The estimate came back quickly based on the pictures and my report. I have now been paid for the claim without having gone to a collision center and I will probably end up doing the repair to the 15 year old car myself. I do have accident forgiveness and expect that my rates will stay the same unless I have another at fault claim.

I don't know if it's possible to get insurance after an accident. You must have had car insurance before you were involved in the accident. If the bank doesn't want to pay you insurance, go to your insurance policy. Whatever type of contract you have with your insurer, the relationship is always regulated. And the insurance policy is a confirmation that the parties have agreed on the terms of service. The client has read all the aspects and decided to them. You can go here - I had a similar situation. Only I had an accident two days after my insurance ended.

Canoe insurance?

Weird. Obvious canoe trolls but no embedded links.

Wait, it'll come - submarine canoes are the new hotness.

They go back after the post is up and add the canoe link, as this one did. Dot's gone now.

Margie