found this on Jalopnik...Insurance pricks

Jay wrote:

Vigo wrote: Makes you wonder what it is about the 'free market' that's not giving a better result here.

The fact that you're NOT FREE to tell them to stuff it if you don't think their "product" is worth your money. The fact that you're not allowed to opt out is what let them build ins. into a total racket.

^^Exactly!

whine about insurance companies trying to remove high-risk customer

I wouldn't have to whine about car insurance if the government didn't force me to buy it from for-profit companies that they then allow not to compete with each other and generally underregulate in numerous ways.

Anyone read the bottom of the post where he says that he forgot that he called them, and started BS-ing with the representative about autocrossing. Add in the Claim for a scratch, and this numb skull deserved to be dropped.

So instead of covering our DMV plate, lets stay off the phone with them talking about racing the car.

Go tell them that in the other thread. https://grassrootsmotorsports.com/forum/grm/hagertys-declined-insuring-my-mr2/116473/page2/

I dont think it's ok to demonize this guy for expecting his insurance to be useful for covering damages over his deductible. Just because we understand how berkeleyed up insurance is doesn't mean we should assimilate to it to the point that we start attacking each other for occasionally failing to act in a screw-or-be-screwed manner.

Sounds like Geico is simply a poor choice for car enthusiasts.

Vigo wrote:

Jay wrote:

Vigo wrote: Makes you wonder what it is about the 'free market' that's not giving a better result here.

The fact that you're NOT FREE to tell them to stuff it if you don't think their "product" is worth your money. The fact that you're not allowed to opt out is what let them build ins. into a total racket.

^^Exactly!

whine about insurance companies trying to remove high-risk customer

I wouldn't have to whine about car insurance if the government didn't force me to buy it from for-profit companies that they then allow not to compete with each other and generally underregulate in numerous ways.

government employees insurance company GEICO

Anytime I did a driver's meeting at an autox, I would always say something like "Everyone on site has a camera. If you're worried about your insurance, your warranty or your Mom finding out you do this, cover your license plate". We had a driver that ran under an alias because his dealer refused warranty work on his sound system due to his "race" activity. I was able to connect him to another dealer that was happy to do the work.

That sounds awesome. I love the alias idea. I also think we should do like Japanese bosozoku and wangan highway runners and wear the masks at events. If the insurance man gets pissy, we simply claim our car was stolen and used at an event.

We do need common sense though. Don't go touting you FTD on Faceballs. No one cares anyway. Unless you have a dedicated track car that's uninsured. This government of ours is sure pissing off a lot of car enthusiasts. Does anyone recall what we car folks did the last time they tried this stuff? Say.... Prohibition era?

Trackmouse wrote: That sounds awesome. I love the alias idea. I also think we should do like Japanese bosozoku and wangan highway runners and wear the masks at events. If the insurance man gets pissy, we simply claim our car was stolen and used at an event. We do need common sense though. Don't go touting you FTD on Faceballs. No one cares anyway. Unless you have a dedicated track car that's uninsured. This government of ours is sure pissing off a lot of car enthusiasts. Does anyone recall what we car folks did the last time they tried this stuff? Say.... Prohibition era?

What does the government have to do with this? They dictate the minimum insurance companies have to offer but do not prevent them from offering additional coverages, like an Auto-X, TSD Rally, or HPDE.

Most have decided they don't even want to price the risk.

@z31maniac....pretty sure it's the fact that not having insurance is illegal.

calteg wrote: @z31maniac....pretty sure it's the fact that not having insurance is illegal.

And I'm perfectly OK with that.

If you have the means, you can provide of proof of funds to the state government and self-insure. The average american doesn't have much (if any savings) or a 401k or any real assets.

If the average American wasn't required to buy insurance, let's say they run a red light and plow into my new car and I get injured. How do I get compensated for my loss? Suing someone who doesn't have the means to pay?

Wait, I thought AutoX was supposed to make you a better driver.

Would the insurance company want to encourage that?

In reply to Trackmouse:

Z31maniac is right. The government has nothing to do with this. This is a private company wanting to screw over people for whatever reason.

Every State has it's own laws requiring how much and what type of insurance everyone must carry. So find your local state legislature and tell him that they need a provision that solo timed events can not be a reason for dropping you and if he does it you can get him X number of votes/$$$$ for his campaign.

z31maniac wrote:

calteg wrote: @z31maniac....pretty sure it's the fact that not having insurance is illegal.

If the average American wasn't required to buy insurance, let's say they run a red light and plow into my new car and I get injured. How do I get compensated for my loss? Suing someone who doesn't have the means to pay?

Your insurance company covers you. That's why you're paying them a boatload of money every month, right?

In reply to calteg: My company covers me for my mistakes, they shouldn't have to cover other people's mistakes as well.

We are talking about autocross right? You in a car, on a closed circuit driving around cones.

On what planet and why would an insurance company have a problem with that?

I mean I can see the warranty guys issues, but if it is in a stock class you are just doing what the car was built to do, but what does any of this have to do with insurance?

the whole thing just seems strange

Happy Carmore wrote: We are talking about autocross right? You in a car, on a closed circuit driving around cones. On what planet and why would an insurance company have a problem with that?

Planet earth, specifically the United States of America where plaintiff attorneys advertise all day long "Did the 7 burritos you ate at the gas station give you a tummy ache? Call us and we'll sue the pants off of them"...and every Tom, Dick and Harry who gets bumped in the McDonalds drive thru goes running to those lawyers to "get paid".

It's not your car they care all that much about. It's the liability. Any event where going as fast as you can in your car at the edge of control...and occasionally beyond...is not good business sense for an underwriter.

It's all about actuarial tables. Or probably programs by now. Feed in data. Now more data. Identify those people that are expensive and get rid of them while keeping the good customers. Accidents still happen, but the goal is to tip the balance (even more) in your favor as a company. Autocross itself doesn't have to lead to claims if the kind of people who autocross are more likely to file claims and you can identify them through autocross. There isn't really any way to beat this system, only to do the best you can to not trip the tables to identify you as a risk.

I have had this same insurance company for a while too. They constantly look for reasons to drop me and send threats.

I asked if changing addresses ups my rates... That was a mistake, they wanted me to sign a paper saying the car was garaged at my mothers address and make numerous recordings over the phone... "Yeah I have been living at my mothers my entire adult life "

Looked into adding my wifes name to the policy online, same thing again

Also while looking at qoutes for various cars that I was just considering buying there was a box to check for a rideshare ( uber, lyft...). So just being curious what the differences in rates would be I checked it... Sure enough alarms at geico went off. I got an email saying they were dropping me based on just clicking the price quote box as proof I was driving for a ride share company! I dont own a car that would meet a rideshare companies requirements (ie 4 doors and 10 or less years old). I explained this via email and they still keep taking automatic payments but never replied, apologized or anything.

I have no tickets in 10 years, no claims at all and just pay the state minimum required by law, liabilty.

They did drop the rates last time I switched cars. Going from a 95 camry to a factory supercharged sport compact ion saved me $10 every 6 months

government employees insurance company GEICO

It's not government owned.

I also think we should do like Japanese bosozoku and wangan highway runners and wear the masks at events. If the insurance man gets pissy, we simply claim our car was stolen and used at an event.

What? I think this is what George W. Bush would call 'letting the terrorists win'.

Don't go touting you FTD on Faceballs. No one cares anyway

A lot of people on FB care about autox!

What does the government have to do with this? They dictate the minimum insurance companies have to offer but do not prevent them from offering additional coverages

Which government and who is 'they' are important here. A lot of the problems of insurance in general have to do with the fact that too much is left to the states.

Happy Carmore wrote: Wait, I thought AutoX was supposed to make you a better driver. Would the insurance company want to encourage that?

I think that Geico is looking at it as speed = bad in any shape and form. We know better - that most of the time after we've gotten our aggression out on the track, we're better drivers than ever on the road. But apparently some numbnut policy makers don't get that.

In reply to jere:

Why would you put up with that bullE36 M3?

calteg wrote:

z31maniac wrote:

calteg wrote: @z31maniac....pretty sure it's the fact that not having insurance is illegal.

If the average American wasn't required to buy insurance, let's say they run a red light and plow into my new car and I get injured. How do I get compensated for my loss? Suing someone who doesn't have the means to pay?

Your insurance company covers you. That's why you're paying them a boatload of money every month, right?

And then you cut out the part of my post that setups the 2nd.

I said I'M OK with it being ILLEGAL to NOT HAVE insurance. I followed this up with IF PEOPLE DIDN'T HAVE TO PAY INSURANCE, who would indemnify me?

It wasn't a particularly long or convoluted post.

z31maniac wrote:

calteg wrote:

z31maniac wrote:

calteg wrote: @z31maniac....pretty sure it's the fact that not having insurance is illegal.

If the average American wasn't required to buy insurance, let's say they run a red light and plow into my new car and I get injured. How do I get compensated for my loss? Suing someone who doesn't have the means to pay?

Your insurance company covers you. That's why you're paying them a boatload of money every month, right?

And then you cut out the part of my post that setups the 2nd. I said I'M OK with it being ILLEGAL to NOT HAVE insurance. I followed this up with IF PEOPLE DIDN'T HAVE TO PAY INSURANCE, who would indemnify me? It wasn't a particularly long or convoluted post.

I'm a simple man, double negatives and words longer than 3 syllables confuse me.

BRB, voting for Trump.