Come on hail

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Jdselig

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Nothing is free. Not sure why people don’t understand that. You are the reason we pay the rates we do. I have never had a homeowners or auto claim in my 26 insurance paying years. That’s not because I’m lucky. It’s because I’m not turning in a $1500 claim so my rates can go up. Insurance to me is a emergency safety net.

I wish there were insurance companies for people like me. High deductible, super low premiums as long as there are no claims or major claims.

What people don’t realize is your $100k in claims isn’t free and your premium alone doesn’t cover it. So me and others pay for it on our premiums even though we are claim free.
 

crc

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Where are you at in Texas? We just moved to the DFW and heard about then storms. Didn’t think hail was that prevalent.
I live in Heath TX just east of DFW hails every year a few times . I’ve been luck to always be in the garage when it happens
 

crc

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Over the years I have filed 4 hail claims on my vehicle. I have $100 comprehensive deductible, so even though I have had over $40K in damage I have only paid $400 bucks. Seems like nothing to me. The issue is the annoyance of getting hail repair, dealing with a piece of crap rental car, etc.

Well I decided to change insurance companies to get a better deal and I was dinged on every quote for too many comprehensive claims. Between my car, my wife's and my daughters, we have had like 10 claims.

So now I have this beast for my new Raptor. No ice will ever touch its ****** paint. $600, shipped from right up the road from me. 30 min for initial setup, 8 min to put on the truck each time, about 15-20 to fill it up. I got the largest size because the owner said although the Raptor is not a long bed, it is taller than most trucks.

That Corolla is my wife's rental car while her car is in the shop after my daughter wrecked it. That is exactly what I am driving for weeks every time the hail comes through.
How do you drive with that thing . Lol
 

AnamnesisV

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Where are you at in Texas? We just moved to the DFW and heard about then storms. Didn’t think hail was that prevalent.
It can hail anytime here in the DFW. Doesn’t matter if it’s in the middle of February or November lol. Hopefully you got a garage you can park your truck in!
 

GCATX

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Over the years I have filed 4 hail claims on my vehicle. I have $100 comprehensive deductible, so even though I have had over $40K in damage I have only paid $400 bucks. Seems like nothing to me. The issue is the annoyance of getting hail repair, dealing with a piece of crap rental car, etc.

Well I decided to change insurance companies to get a better deal and I was dinged on every quote for too many comprehensive claims. Between my car, my wife's and my daughters, we have had like 10 claims.

So now I have this beast for my new Raptor. No ice will ever touch its ****** paint. $600, shipped from right up the road from me. 30 min for initial setup, 8 min to put on the truck each time, about 15-20 to fill it up. I got the largest size because the owner said although the Raptor is not a long bed, it is taller than most trucks.

That Corolla is my wife's rental car while her car is in the shop after my daughter wrecked it. That is exactly what I am driving for weeks every time the hail comes through.

If you have boys, you may not want to park that under the upstairs window. Only a matter of time.
 

aileron

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You need a bigger garage or a lot large enough for a carport. A $100k truck in a hail bubble outside of a house on a quarter acre lot…
 
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ganooch

ganooch

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You sound like a nightmare customer for an insurance carrier. Multiple hail claims, your wife's car is currently wrecked. How about you use that garage as a hail mitigation measure instead of some stupid space bubble that you are certainly not going to install every time it storms?
Holy cow, you're right! If I put the truck in the garage, there's no way the hail can damage it! Why haven't I thought of that? I mean, the garage is right there!
 
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ganooch

ganooch

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Claims are claims.. carriers do not like them no matter what they are for. Everyone thinks comp claims are a freebie, wrong.. Blows my mind when I see customers file $80 windshield claims, losing their claims free discount for an $80 repair is dumb. Even if the carrier does not pay out a dime, the claim counts against you.
If you have a bunch of claims and your current carrier hasn't non-renewed/cancelled you then its best to stay put...other carriers do not want habitual claim filers.
How the hell would someone think comp claims are free? I mean, I pay a ton of money every month for insurance. Figures I should be able to use it.
 
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