Honda Car Forum

NetSock@nospam.com (NetSock)
wrote:

>>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.

You're the one full of it this time, Sock. Every insurance I've ever
carried wants an estimate of annual mileage used. My husband's car,
which is driven much more than my car, is rated higher because the risk
is greater from the miles he drives.

You just haven't grasped the fact you come across just like this line
you wrote:

>More crap that our village idiot pulls from
>his ass.

>You're an idiot.

Hey, you're learning. Give the Sock a gold star...

NetSock@nospam.com (NetSock)
wrote:

Shagnasty wrote:
>>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.

>I have (fully) insured dozens of used
>vehicles over the years, and have never
>had to supply mileage numbers.

Your insurance agent related to you? Doing your wife on the side?

>I've also moved a number of times...and
>my rates never changed.

Here in SoCal, one side of the street can get higher rates than another
side. I guess you think because it's never happened to YOU, it must be
true for everyone, right?

>He has been caught MANY times lying
>and pulling crap out of his ass. This is
>why nobody can believe him, and
>everything he says has to be
>questioned.

You do realize this now applies to you? I told you to step back and let
us decide what to believe, but Noooooo! you must be the defender of all
that is true....in your world.

You are a CLOWN, as usual.

Here is so you know:
- In some cases, the insurance company might need to inspect the car.
- The mileage has an impact on the premium. Some ask for the yearly mileage,
others for distance to work.
- Where you live affects the premium too. It's cheaper in the suburbs than
downtown.

I'll have to check the new pictures from Mars to see if you're on them.
Seriously, GO GET A LIFE!!!

In Calif, annual mileage is definitely used to factor in the cost due to the
passage of Prop 103 back in 1988. again, in Calif, those Polaroid cameras
with the unique hood to photograph the VIN plate in the door jamb are no
longer used as vehicle inspections for prior damage are no longer mandatory,
though a few insurance carriers still require something validating no prior
damage.


"ravelation" <ravelation@webtv.net> wrote in message
news:1718-40167BF0-357@storefull-3276.bay.webtv.net...
>
> NetSock@nospam.com (NetSock)
> wrote:
>
> >>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.
>
> You're the one full of it this time, Sock. Every insurance I've ever
> carried wants an estimate of annual mileage used. My husband's car,
> which is driven much more than my car, is rated higher because the risk
> is greater from the miles he drives.
>
> You just haven't grasped the fact you come across just like this line
> you wrote:
>
> >More crap that our village idiot pulls from
> >his ass.
>
> >You're an idiot.
>
> Hey, you're learning. Give the Sock a gold star...
>

Where do you guys dream up this stuff? Insurance companies are
regulated in every state in which they are licensed to operate.
They can not just raise 'your' rate. The must apply to the
insurance commission for any rate increases and verify losses to
gain a rate increase. The increase effects every rate payer, not
individuals. If the insurance commission denies a rate increase
to their tariff their only option is to stop issuing new policys
and stop doing business in the state when their license expires.


mike hunt



"Elmo P. Shag nasty" wrote:
>
> In article <bv49lp$krq$1@news-int.gatech.edu>,
> Andrew <andrew561389@aol.com> wrote:
>
> > Geico strikes me as a bunch of cherry pickers. When I called them
> > for a quote they considered driving violations out to 5 years and
> > they wouldn't even give me a quote until I gave them my SSN.
> >
> > If I signed up with them, I would be scared that they would triple
> > my rates in the event that I made a claim, or that they would use
> > a speeding ticket as an excuse to raise my rates, thus negating
> > the touted 15% savings.
>
> They would.
>
> And in fact, not only that but over the next 2 years they would just
> raise your rates "just because" and negate any savings.

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 did have State Farm ask me to drop by so they could take pictures of my
brand new BMW. Not even used. They took some Polaroids, and away I went.

CSAA asked me if the glass was okay. No pictures.

> Again...crap. No insurance company wants your annual mileage.

CSAA asks me what the mileage is on my car once per year.

>> 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.

I don't know about law, but the insurance companies certainly ask.
Drivers living at the same address receive no collision coverage if they
are not specifically listed on the policy.

--
---
Clarence A Dold - Hidden Valley (Lake County) CA USA 38.8-122.5

Just what part of; '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.' didn't you understand? Naturally
there is no NEED to verify damage AFTER they issue the first
coverage since subsequent damage would be covered. I thought you
would figu, pretty basic stuff, even for a slow learner.

I have done business with insurance companies in several eastern
states over many years. Everything I have said is factual and
verifiable if you want to do the research. If
you chose to believe it or not is your problem not mine.
I will not waist my time with a guy who apparently still hasn't
finish reading and understanding 'Basic Hand Tools,' let alone
the his states 'Insurance Rating Manual.'


mike hunt



Net Suck wrote:
>
> <BigJohnson@mailcity.com> wrote in message
> news:4015A597.21F0699@mailcity.com...
> > If an insurance company is going to provide glass replacement
> > under your comprehensive coverage, why would you NOT expect to
> > show there is no previous glass breakage?
>
> WTF!?
>
> > 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.
>
> > 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.
>
> More crap that our village idiot pulls from his ass.
>
> > 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.
>
> > 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.
>
> > 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?
>
> You're an idiot.
>
> --
> '03 S2000
> '94 Accord
>
> It's just about going fast...that's all...
>
> http://home.insight.rr.com/cgreen/

<BigJohnson@mailcity.com> wrote in message
news:4016C963.5E87E422@mailcity.com...

> I will not waist my time with a guy who apparently still hasn't
> finish reading and understanding 'Basic Hand Tools,' let alone
> the his states 'Insurance Rating Manual.'

Oh yeah...that thread you dropped out of when asked to explain your
assertions that extending a pipe wrench for more torque is dangerous.

Have you actually ever tightened 4" pipe thread? Nope.
Do you understand the torque involved? Nope.

In article <bv49lp$krq$1@news-int.gatech.edu>, Andrew <andrew561389@aol.com> wrote:

>Geico strikes me as a bunch of cherry pickers. When I called them
>for a quote they considered driving violations out to 5 years and
>they wouldn't even give me a quote until I gave them my SSN.
>
>If I signed up with them, I would be scared that they would triple
>my rates in the event that I made a claim, or that they would use
>a speeding ticket as an excuse to raise my rates, thus negating
>the touted 15% savings.
>
>Andrew
>

I've been insured by the same company for about 26 years. However when my
policy came up for renewal in December, I figured what the heck, let me get a
quote from Geico. Part way into the process they began asking information I
thought was a bit too personal to give out for a car insurance quote (the one
that struck me as odd was credit information). I was doing this online so I
cancelled out of the quote request.

In article <SpBRb.5715$p55.1952@nwrddc02.gnilink.net>,
riccardo@smile.org (Ric) wrote:

> I've been insured by the same company for about 26 years. However when my
> policy came up for renewal in December, I figured what the heck, let me get a
> quote from Geico. Part way into the process they began asking information I
> thought was a bit too personal to give out for a car insurance quote (the one
> that struck me as odd was credit information).

That's not odd at all. Nowadays, insurance companies run a credit check
on you. There's a correlation between your creditworthiness and their
exposure.