debodun
SF VIP
- Location
- way upstate in New York, USA
I doubt it.
Just received a letter from my insurance provider
- Thread starter debodun
- Start date
Imogene
Member
- Location
- Middle Tennessee
These particular vehicles are in my husband‘s name so I have to get the titles changed over to me which I can’t find them. So that means more cost and rigmarole at the DMV. I’m just sick of the hassle of everything that I’ve had to deal with since his passing. Right now the way I feel they can rot down around the fenderwells.
That Lady in PA
Senior Member
It boggles the mind what some are paying for car insurance, especially debodun's $2880 for a 23 year old car! I thought it was outrageous that my mom paid $1200 annually for a compact car she barely drove but wanted for convenience (she was in her 80s at that time).
DH and I pay ~$1700 per year; he drives a luxury car and I have a new SUV with all the bells and whistles. We are both in our 70s, and yes, as mentioned above, the premiums went up when we crossed over into our 70s.
DH and I pay ~$1700 per year; he drives a luxury car and I have a new SUV with all the bells and whistles. We are both in our 70s, and yes, as mentioned above, the premiums went up when we crossed over into our 70s.
debodun
SF VIP
- Location
- way upstate in New York, USA
My insurance company slogan is, "You're in good hands." but all I've ever gotten from then was a finger. Especially last year when I filed a claim for storm damage to my house.
I only enrolled with them because they used to have a local office and they took me as a client without a credit rating. A few years ago, The local office closed and I was assigned to another office much further away. Now I have to make a 28 mile round trip if I have business with them. When I called about my claim last year, I was informed that they don't handle claims at that office, I'd have to call the national office!
I only enrolled with them because they used to have a local office and they took me as a client without a credit rating. A few years ago, The local office closed and I was assigned to another office much further away. Now I have to make a 28 mile round trip if I have business with them. When I called about my claim last year, I was informed that they don't handle claims at that office, I'd have to call the national office!
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StarSong
Awkward is my Superpower
- Location
- Los Angeles Suburbs
Did you wind up filing the claim and getting paid for it?
debodun
SF VIP
- Location
- way upstate in New York, USA
Yes, but I was only allowed $5000 to put towards clean-up and property loss. Some estimates I got from water remediation contractors were in the $10000 to $15000 range. I estimated my property loss was about $500. Luckily I mentioned my plight to my next-door neighbor and between what he charged me to clean up the basement, install a new sump pump and 2 dehumidifiers, and what it cost to rent a dumpster, I just about broke even.
StarSong
Awkward is my Superpower
- Location
- Los Angeles Suburbs
Not sure what you're complaining about then. Breaking even is the best anyone should hope for when it comes to an insurance claim.
Sounds frustrating. I’d trust what your agent said for now, insurance companies’ letters can have errors. I’d call again, ask them to confirm in writing that your coverage is active, and maybe get a reference number for the call. That way you have proof if anything comes up later.
squatting dog
We don't have as far to go, as we've already been
- Location
- Arkansas, and also Florida
Deb... your money is the only thing in good hands with that bunch of thieves. I don't say that lightly, but, as one who has been raked over the coals by that bunch.
Here's the sad details. I've got a good credit rating (800+) and we bought our first Arkansas house outright. Paid $57,000 for it in 94. Had insurance through those thieves on all my vehicles, the house, and my tow truck business.(think... hook insurance, the truck, the fenced impound yard) Paid them lot's of money.
Fast forward to 2000. House has gone up in value and we've upgraded. (kitchen, bath room, A/C, windows and had the hardwood floors re-done). So, we re-did the coverage to have replacement cost. Their own comp showed similiar houses here selling for $180,000 (this was with a large deductable). Plus our then new Camaro, and the added extension of my wifes small computer store were all bundled together Needless to say, we were insurance poor but, had peace of mind.
Then in 2001 came the trouble. I'm gone and wife's home working in her store when a fire starts in the kitchen. (inspectors later determine a crack gas line as the cause). By the time the fire was put out, the entire kitchen, dining room, living room, hallway, bath room, a lot of wiring, and the roof were destroyed. Plus entire house has water and smoke damage. I breath easy knowing I'm covered.
Not so fast there say's the thieves. First off, the wife's store (which shares the electric) is now closed until wiring can be re-done and not covered by homeowners insurance. I knew that which was why I had a seperate policy for that. But, they say, because you have a breezeway between the 2 dwellings and use the house electric, that policy doesn't cover it either, Odd this was never mentioned when they came and examined the business and walked under the same breezeway and took my money for months.
Now comes cleanup and rebuild time. Can't believe it... total according to them is $66,000.
Hell, you couldn't get the kitchen and wiring done for that. But wait... it gets worse. Of the 66k, 33k goes to the cleanup. So, I'm supposed to rebuild this house with 33k? Their answer... Yep.I fought with them, but, couldn't win. In the end, I had to scrimp and pinch every penny and by doing the bulk of the work myself, I was able to repair the house. (had to as living in the cramped RV was getting old fast). Unfortunately, I had to sacrefice the computer store...(tore it down, used the lumber and left the slab in place).
I did have one small victory. I refused to pay them 33k for cleanup. Gave them a check for 21K and they refused it. So, I cancelled the check... told them to "F" off and used that money for the new A/C some of the bathroom fixtures and the heavy entrance wiring.
Of course old "good hands" can go to hell.
