Due to some health problems a few months back I was left un-able to drive for 6 months and I recently found out that my current carrier (State farm) might not be able to insure me anymore. I was wondering what people of T4R have and your experience (good or bad) with your carrier.
Looking for different insurance carrier
- Thread starter Juanto
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kai920
New member
I use them for everything financial! Great service.
Why wouldn't they be able to insure you? My guess would be you had a vehicle registered and quit paying premiums and your policy lapsed for non-payment due to your health issues and you had a vehicle in your possession with no coverage for awhile??? Unless there are certain circumstances this would be a no go since the possibility of driving the vehicle with no coverage is possible and not a risk they like to have.
If I were you I would schedule an apppointment with your agent and not a team member and have he/she call their underwriter and if you can provide medical bills etc then they should be able to accomodate you back into a mutual policy if that's what you had before.
Good luck!
JohnsD90
New member
My family had Allstate for 20 years, a long story short they put us in a bad situation so my parents decided to switch. We ended up switching to Travelers, immediatley after we switch our rates halved, and when i went on the policy i was the cheapest to insure (pm me for my cost per year) with full coverage on my 4runner at 17 years old. My sister got into a wreck and totaled her car and the rates stayed the same and they had no problem paying out. We have had great expierence with them and would never look back to allstate.
Jeff Kleb
New member
I have had USAA for well over twenty years. Definitely cannot be beat!
My dad was in the military, so I had it growing up and then I later became a commissioned officer in the US Army and got in as a member myself.
I often have other company agents mail me cards or meet me in person somewhere, so as to "give me a quote." Once I tell them I have USAA, they get that puzzled look on their face and say, "Oh....them."
imp::jump:
004Gunner
New member
I've had my runner repaired with both State Farm and 21st. No complaints with either but I would suggest looking into who currently owns 21st. They had just been bought out by AIG during my repair, which I was not happy with. 21st is owned by another company now, iirc. They had great rates and provided extra services at no cost. I have USAA now because my wife prefers them. USAA does not have the best rates with any type of insurance that I've used (renter's, home owner's, auto, individual article) but they do have great customer service. Supposedly Progressive is a sister company of USAA. I would not recommend Esurance under any circumstances. There are horror stories involving Esurance's compensation for total loss vehicles.
Thai
Elite Member
We searched about a year or so ago...and found AAA to be the best. We had State Farm before...never had any problems with them...repaired my cars uneventfully. AAA just gave us a lower price...and so far, we have not had to use them. My parents-in-law have had horrible experience with Allstate.
It's just a long story, I'm in the "high risk" category with me totaling my FJ cruiser and then dealing with medical issues. Plus, I'm only 18 which is a double whammy even though I've proved them that I'm a responsible driver. I'll talk to my agent a little more aggressively, this is just what I heard when I called him up to talk about getting re-insured again. He mentioned there might be some problems. I could be taking this the wrong way but I just need to get my ducks in a row before June comes around.
I'll look into Nationwide, Progressive, Travelers and Liberty Mutual. I've heard really good things about Travelers but I they're under-rated in my area. Thanks for the help everyone!
Okay so there is more to the story than we know. If you've totalled an entire vehicle and possibly had medical payments on top of that then if there was another vehicle in the mix I (assuming here) would believe that SF has paid at a minimum $30k on your one incident. That to me contradicts you being responsible or having a good track record as you indicated. Again I don't know all the ins of your situation, but if you were at fault for that situation then you have no nail to hang your hat on my friend. It happens to the best of us, but just saying. If a medical condition caused the accident (say seizure etc) then I would say you couldn't do anything about the accident and that will help your case to a small degree.
There are a lot of factors that go into rates. Some being...
-How long have you been insured with the company
-What is your overall driving record
-Age
-Type of vehicle being insured
-claims frequency and severity
- credit characteristics
- Do you just have auto with them (not only looking at price for auto, but their overall interest in keeping someone who isn't a good driver. All companies would cut their losses for a one line household and possibly two pending the driving record etc)
You may have some huge obstacles to overcome with this type of background with any carrier you would choose to go with. In my opinion your best route is still first and foremost to work with SF right now to see what your agent can do for you. I would suggest you have he/she do a call on speaker with their underwriter and just be honest with them on what the situation is and have a game plan with your agent on making your case when you call the underwriter. At the end of the day don't be butt hurt if the agent, underwriter or SF can't do anything for you at this time. It's really nothing personal. Many factors on how they are filed with the DOI in your state and other factors may decide whether or not they can do anything or even make an exception due to legality issues.
One piece of advice for you and for others out there is to be very cautious with some companies offering this and that discount for lowering deductibles, checks coming back to you etc etc. They are ALL gimicks. Hell most comapanies offer a "new client" discount that is anywhere from 5-10% off for signing up with them and then you lose it at your first renewal. Again just another gimick. The biggest problem with the new car forgiveness and other type of offerings is that you are actually in a certian rating group and actually pay higher rates. So at the end of the day you have to actually have something go wrong to take advantage of that supposed friendly break they just gave you. In reality it's a gimick. If you look closely at how they're filed with the DOI there is legal verbiage that shows this type of stuff. Other things to watch out for are companies not quoting correctly up front. They go based off of what you told them your record was like (you have to be up front and honest with this). This is due to it costing any company money to run your loss history and driving record (up to $20/person in some states) with no guarantee of even earning your business. So what some do is then run your driving record after you sign up and your rates adjust mid term or at the next renewal after you're already on board.
In the end I wish you luck with this. Just do the right thing and take the proper steps. You may just have to suck it up for awhile with a company that you can afford short term until you can get back to the company who you know will treat you right in the end and is more secure in the market place than the gimicks out there today.
No other vehicle was involved but was caused by a seizure (that did help to a small degree). I have talked to my SF agent and I will be paying higher premiums but I'll still be able to be insured. I do understand the insurance game, I have 2 older siblings so I'm fully aware of the insurance game. I don't take the gimmicks because I do know that most of those people switching are people who are basically paying for less, if I want good service (full coverage) it's going to come at a price, I understand and I appreciate that. I know that the getting in a wreck thing does contradict my previous statement but as I mentioned, it was out of my control.
As far as medical bills go, I had to pay out of pocket as I don't have health insurance other than catastrophe (stupid, i know!). I'm still under my parents insurance but I pay for it and they've been insured from SF for at least 20 years.
I do appreciate all of the input, it really helps out!
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Glad things are going to work out. Sorry to hear about the seizure. Hopefully your health will not be affected long term.
Good luck and I think you're on the right path with things.
