In article <bv5njm$1s0$1@charm.magnus.acs.ohio-state.edu>,
"NetSock" <NetSock@nospam.com> wrote:

> > Normally when you deal
> > direct, rather than with an agent, they ask for five pictures of
> > the four sides of the vehicle and the interior.
>
> Bullship.

I had an insurance agent ask me to bring a car by so that he could get a
picture of it. That was 12 years and a few cars ago; he's not asked for
one since.



> > An insurance
> > company sets YOUR rate based on the drivers and the vehicles.
> > There is enough information in your VIN numbers to set the rate
> > the vehicles. All they need is type of usage and annual mileage.
>
> Again...crap. No insurance company wants your annual mileage.

Sure they do. Mine does. They want to know if it's for commuting to
work and if so how many miles is the commute, or if it's for "pleasure"
only (stay at home mom, etc.). They also want to know if you use your
car in the course of business for things like sales calls, because
that's a few bucks more.



> > Drivers among another things are rated up or down by age, number
> > and frequency of accidents and license suspensions and/or
> > revocations. To do that they have the right to access your
> > driving record and that of any other driver, licensed to that
> > household or residing in that household, even those not listed as
> > drivers of the vehicle one intends to insure with that insurance
> > company.
>
> (yawn) Again...not true. The privacy act restricts insurance companies from
> retrieving information about ANYBODY, not listed as a driver.

Well, if they find out you have a 16 year old in the house they'll jack
your rates up--whether he's named as insured or not. Their assumption
is that one way or another, that 16 year old will likely be in a
position to be driving your car.



> > Most state insurance laws require one to list all of
> > the drivers listed with the motor vehicle department as licensed
> > to that address, even if they own their own vehicle and have
> > their own policy.
>
> No they don't.

yeah, that one's new to me, too. State law? Not that I'm aware of.



> > Most states require every policy issued to that
> > residence to carry the SAME policy limits, in addition, so one
> > can not group all of the high risk drivers to the oldest vehicle
> > and carry only the minimum coverage required by the state.
>
> LOL! What do you do Mikey...just pull this crap out of thin air?

yeah, that one's news to me, too. I wonder what state he lives in?