Insurance: What the Fr*ck!

[EricM]

Went to shop home insurance a while back- it's way up.

Body shops must salivate when a $100K vehicle comes in damaged.

 

[nikhsub1]

A point of clarification; did you permit them to make the repair non-OEM and then assess?

No I paid extra for OEM parts, then told State Farm to go suck a bagofdicks.

 

[smurfslayer]

No I paid extra for OEM parts, then told State Farm to go suck a bagofdicks.

Ok, this might be part of the equation here. I let them go forward, but the non OEM part failed QC. Not my opinion, it was way out of spec.

So for me, they bought the non OEM hood, prepped and painted it --over the objections of the body shop--, then failed QC, paid my rental, OEM part, paint & prep. So about ...1.6 maybe 1.7x the cost of if they had done it OEM in the first place.

Oh well, sucks to be them.

 

[CruiserClass]

USAA is a shell of what it used to be. I was with them for about 18 years then went to Geico. Lower rates, better coverage and customer support.

 

[RamseyF]

I need my windshield replaced. happened last week. so I made the claim and yes State Farm been with them for 30 yrs. and yes they said they replace with non oem and if I wanted oem it may be extra. but she said I assume in a way so I could catch it. "if you cant get non OEM we have no choice to pay for oem because thats all you can get and its a safety issue with a shattered front windshield.

Now it is up to the repair place to make it happen some how. My glass place said if you want OEM leave that up to us. also they wave glasses deductibles. all a money / shell game. give the the customer what they want and the insurance company actually isn't the wiser. they don't have time to check up on every claim.

Luckily that windshield is OEM only for the 21's now because of the supply chain issues.

 

[nikhsub1]

in california glass is not a zero deductible item like in many other states. We have to pay the deductible here. Anyway, been there done that. oem glass is only like $20 more than non.

 

[castine917]

I am at $176 / month with State Farm with similar deductibles. I am in the I believe the most expensive state for insurance.

car-insurance-rates-by-state

I agree that we are in an expensive state. State Farm and Allstate are not cheap either though. With Allstate I was about $160-180 a month too. I'm at $421 for 6 months with Progressive. That's $70 a month. Multi policy and multi vehicle discounts which I also had with Allstate and State Farm. Flipside is I just creamed a deer last month and got to see how coverages worked with Progressive and body shop. Body shop told me that they have to "push" Progressive harder on prices than some other insurance companies and Progressive has a lower limit on aftermarket upgrade coverage if you don't add extra coverage for your aftermarket parts. I was lucky that my shop found a used version of my bumper locally. With that I paid $500 out of pocket instead of about $2500-4000 to get it back to way it was.

 

[castine917]

I think when you go for many years with no claims, especially with the same company, they start to look at you as a higher risk just due to the odds. Jack up your premium, you change companies and they win. Just my $.02

I've had agents tell me that.

 

[Enersol]

USAA is so less expensive for me that when I tried to use my parents St. Farm agent he called and said his rates were double what USAA was and that was after my first Raptor burned down. They were pretty good to work with on that claim and even paid me 20% above actual cash value once it was settled.

 

[New recaros]

You need to shop the insurance every few years with an independent agent. There is no loyalty, have you ever gone a year without an increase? They all sucker you in with a low price then Jack rates every year until you switch.
Also, progressive insurance is owned by enemy #1, George Soros. Don’t help that socialist anti US SOB.
Be careful using the insurance company’s “preferred “ body shop. That is a shop that made a deal to be cheap for the company, not do what’s best for the consumer.