insurance 5 grand a year

[C-Kwik]

When purchasing a policy, consider that not all policies are the same. The coverages listed on the declarations page may look the same, but when it comes down to it, you have to look at the actual policy. There are very distinct differences in the policy language used to try and be more specific as to who, what and how much they want to cover. Some of this can be reflected in the rates. When shopping around, ask to see a copy of the policy. Read it over and then decide if it is a good deal. Many low cost insurance policies are quite restrictive and most people regret buying that policy after the suffer a loss which is not covered to their expectation.

Also, insurers don't simply try and insure everyone. They have a target group of insureds that they want to insure. As a result, the rates for their target insureds are generally going to be cheaper. Insureds they do not want will either not be written at all, or they will be quoted a high premium. This may be the case here. Try getting quotes from different insurance companies. You'll be surprised at how much rates can vary as different carriers weight different risk factors differently.

[sonsters]

20 yrs. old, one total wreck and 2 speeding tickets, (one was a biggin), usaa and i pay bout 1800 a year... as far as i see it i got the worst record on here and i got this record by being a cocky 16 or 17 yr old... i havent gotten anytin since i learned from my mstakes as a 17 yr. old.. so if u are goin to go through with this drive like the car is made of gold and diamonds and drive 10 under the speed limit..... but 5k a year? id get a smart car....

[R350Zz33]

i dont think a smart car will work my dad wants one lol but i wanna go down to miami for spring break with my friends so another reason to get the z i can only take one person.

[evildky]

USAA's aproved repair shop failed to get the repairs right and when I refused to accept the vehicle they stopped paying on the rental, looking back I should have just got an atty

[C-Kwik]

USAA's aproved repair shop failed to get the repairs right and when I refused to accept the vehicle they stopped paying on the rental, looking back I should have just got an atty

From your brief description, technically, the shop is to blame if they could not get the repairs done right. As such, they owe you the rental fees. Some insurers have programs where if you use their preferred shop, they will guarantee the repairs and provide a rental car during those repairs. But the contracts with the shops allows the insurer to bill the repair shop for those additional expenses. However, sometimes this can be state specific and/or specific to 1st party insureds. Such a guarantee may not have applied to you as a third party. I don't know USAA's policy on that. Either way, I would have aggressively requested that the shop take care of the rental if it was their error that required more repair than should have been required.

Getting an attorney wouldn't have changed anything if I were your adjuster. The argument doesn't change. The threat of a lawsuit usually pretty empty unless it involves potentially large amounts of money. Believe me, plaintiff attorneys don't want to bear the expense of going to court no more than an insurance company does. Unfortunately, this is the mentality most people have. Getting an attorney means you lose out on some 30% of your claim. This usually applies to any bodily injury claims. Few attorneys will take a property damage only case unless you are willing to pay by the hour. In any case, even if they get you a higher settlement amount, in order for you to actually see more money in your hands, they would have to negotiate a value that would be some 30% higher than what you might get on your own. In other words, if an insurance company offered you $2500 dollars to settle your bodily injury claim, and then you got an attorney, the attorney would have to get you about $3600. And thats only to get what was already offered. If you would have settled it for $3000, an attorney would have to get $4300 out of the insurance company. I doubt you'll see an insurance company come up some 40% of the original offer considering the injury is still the same injury. As long as you are presenting a reasonable claim, I would think its much easier coaxing an additional $500 than $1800 out of an insurance company. Despite what most people believe, adjusters aren't afraid of attorneys. They deal with them enough to be quite comfortable around them. And if they did their job correctly in gathering and analyzing the facts, then they have little reason to budge on their offer.

Now bear in mind, I am not bashing attorneys. They have value in some cases. Probably most of all in larger cases where severe injuries might make it hard for a person to manage their own claim. Large dollar claims tend to be much more complicated in nature. But the typical property damage loss or even most minor injuries are easy enough for most people to handle competently themselves. Of course, many people tend to have some unreasonable expectations about what they are owed and can be a real pain. In extreme cases, the words, "I'm getting an attorney!" are music to an adjuster's ears.

[evildky]

I understand this, which si why I didn't get an atty back when, it took me a month to prove that their bone headed insured was 100% at fault (long story I won't bore you with) they then take the approach that I was lucky to get wnything from them, total jerks, I was treated much better by allstate who inured the drunk that rear ended me a couple years back, at lest the drukj had the excuse fo being drunk, the yuppies in the range rover that hit me just thought it would be a good idea to go straight from a left turn only lane, those pesky white lines on the pavement must be for something else

[C-Kwik]

Actually, if you shared your story, I'd probably bore you with a crap load of questions about the accident and such. Hard to break habits that you develop over some 10 years. Handling claims is actually quite fun. The workload and internal politics aren't...

Your experience is of course, your experience. I have no personal attachment to USAA so I could give a crap about them. But I will tell you that determining liabilty (who is at fault), can be one of the harder issues to deal with in a claim. Things would indeed be easier if everyone told the truth. We know that isn't the case. And even when they do, it might be a matter of perception. An easy example is if two cars collide in an intersection and both claim they had a green, it's possible that both believe that their light was green. Afterall, if the one who actually ran a red light knew he had a red light, the accident probably wouldn't have occurred.

[rmezz13]

FWIW i sold my mustang the other day and called my insurance company (Nationwide) to cancel the insurance, and we discussed some other options with the Z - long story short i went from around $500 every 6 months to $300 every 6 months and got better coverage w/ the same deductible. Nationwide is on my side!

[KrazyKyle]

Who quoted you 5K a year? if you did it online, its entirely inaccurate. The best thing to do is call and talk to the individual offices. They can give you a better perspective. If i went by online i would be paying like $200 a month and i pay $85..... Try calling around.

I agree with this guy. Either you received a bad quote or you aren't telling us the whole story. When I was eighteen, I had a 99 Maxima SE, and a 240. I had full coverage on the Maxima, and liability on the 240. I was paying $250 a month, so about $3000 a year. That was with education discount and multi-car discount. I also had a ticket for running a stop sign and a reckless driving ticket. Living in a different state and being young does matter but it doesn't matter that much. I am 22 now and single. I have 08 350z base, my ins with state farm, with only a good driver's discount from no incidents, is $142 a month, so around 1700 a year.

[BlackSmoke]

Yeah obviously R350Zz33 is NOT telling the whole story. Personally I don't think any 16-17 year old should buy this car. Because by the time you pay insurance and notes the car ends up being a $50k liability. Kids that age don't see enough real world problems to buy a car like this and I cant stand every person that gets in a forum that does not have a 350Z and they have these wet dreams of a TT mod and all this crazy crap they want to do. This thread is rediculous and should be locked.

[R350Zz33]

i see enough of the real world dont give me that talk i pay my taxes yea i pay taxes im on the books. i see real word problems every day i work 70 hour weeks thats what the quote said online i tried other companies put my request was denied because of my age i have to show proof that my parents are paying of something it said they can tell me and to call for a quote. and the tt is not a wet dream i will do it its not crazy and i believe that if i work hard enough for somthin i will eventually have it and i have been working very hard for a very long time for this car and u are in-tilted to ur opinion that 16 year olds and 17 year olds shouldn't get this car, that is ur opinon and i respect it.and u are in tilted to it so u can think wat ever u want but i will get it because im not ur normal lazy teenager. i actually do **** and put money into the system on like the lazy people on welfare and the people taking all the ss money. there are some people that do need it but there are alot of frauds last week the government took out $150 out of my pay thats alot for a teen dont u think u know someone that dosent see any real world problems

[KrazyKyle]

You talk like you believe you are really mature and you think you are a great driver. For one thing if you can't correctly punctuate and capitalize your posts, that shows alot right there. You maybe a great driver, you can't tell that online. However, you can tell from the words you choose to write on this forum you are not thinking about real world problems. Just because you work 70 hours a week and pay taxes doesn't mean you are thinking about the big picture.

[R350Zz33]

so what if i dont use punctuation its not school many other people dont go jump down there throats.

[rmezz13]

c'mon guys..... ...... you made me

just not headed in the right direction

[Rev_D21]

so what if i dont use punctuation its not school many other people dont go jump down there throats.

See many of us are not from the text message age, some of us use actual english. Look at it like this, you need some kind of answer to a problem but everyone ignores you because they don't feel like wasting the time trying to translate what you typed...can and will happen.

[LongBeachCoupe]

im not sure what is going on here this kid doesnt type properly and it doesnt allow other people to follow what he is saying because its all rammed together with different slang, abbreviations and nonsense!

Ask a question to get an answer... Posting rap lyrics posing as questions wont get you an answer, or a record contract.

[C-Kwik]

so what if i dont use punctuation its not school many other people dont go jump down there throats.

No it is not your school. But this forum is a form of communication. If it was easy enough to understand a paragraph that used no punctuations in a book then it would be fine. But the REALITY is that it is not. Noone is asking for perfect English here. But making a paragraph out of one giant run-on sentence makes it quite difficult to read.

Perhap I'd be more inclined to believe you would be more responsible with a 300 HP vehicle if you took the few seconds of extra time it would require to plug in a period or 2. A person's daily attitude and diligence in any matter tends to bleed into everything they do.