I was only expecting a $500 - $600 increase on my premium at most because of many employees of said insurance company told me, but no one told me to expect a $1000 additional premium hike. Actually, I cannot be on my parents policy because the guy also dragged my father into a law suit, and insurance said I must be not living with them for them to even have an umbrella policy. But the breakdown of the additional $1000 was where I am lost and posted here of course. No one would completely explain the breakdown of why they are charging an additional $1000 other than "overall driving history", which I am trying to understand. I did had 2 years of great driving but my guess would be early 2020 with our cursed Rogue.Bubba1 wrote: ↑Fri Apr 16, 2021 5:58 amSo you're angry because your insurance company is charging you extra for being a high risk driver because you've had at fault accidents? How dare they! (that's sarcasm, by the way). It’s called consequences, kid. Some policies might offer forgiveness on the first accident, but no policies forgive all of them. And you've admitted you've had multiple accidents already. How/why surcharges get applied depends on the fine print in the policy you signed and the state laws. You might consider reading your policy before attacking them. Keep in mind, unless you have a valid reason, all you’re going to accomplish is making yourself look foolish. Crying "it’s unrealistic" is not a valid argument. I believe the legal term for that is "waaahhhh!" (sarcasm again).
Here’s some advice without sarcasm 1. Time to accept/admit you are not as good a driver as you think you are and take an accredited defensive driving course or two. Completing one might reduce your future premiums. 2. Ask your parents if you can get back onto their policy. And then you pay them the difference. It’ll still cost you more money but, it’ll be cheaper than you having your own policy until you grow out of the single highest risk insurance demographic 3. Shop for a new policy, but sadly, your bad driving record will be following you so it’ll be tougher to get a low rate at this point until you actually improve your driving record. And that will take a several years of accident free driving to accomplish which, unfortunately, is something you have yet to do.
Good luck.
I dunno about your insurance, but I can definitely vouch that there are accursed vehicles in the world. I'm dealing with one right now, a '15 Rogue. Initial complaint was a dead USB port, so we ordered one. When it came back for the port, it had a new problem. The driver's side A/C wouldn't change mode. Turned out the servo was fine but the splines on the mode door were stripped, so it needed a whole new HVAC unit. Dash disassembly, nasty job. We replaced it and the port, and a week later it's back with a security light for the NATS antenna. The antenna and wiring check out fine, which means the antenna driver in the BCM is dead. I'm putting a new BCM in it on Tuesday. The lady has a great aftermarket warranty, but damn, if it wasn't for bad luck this car wouldn't have any at all. I'm really wondering if the next time I see it, it will be in little pieces because something exploded.datechboss101 wrote: ↑Sun Apr 18, 2021 8:01 pmIf one thing I learned out of this... some vehicles are cursed from delivery day, and if we don't get rid of them quickly, they will end-up causing an issue (the Rogue was cursed if it made any sense).
I think my definition of cursed might be different. Usually it would be parts that fail, but this is a different animal. Here's a list of why I believe this vehicle was cursed since 12/24/2015:VStar650CL wrote: ↑Sun Apr 18, 2021 9:04 pmI dunno about your insurance, but I can definitely vouch that there are accursed vehicles in the world. I'm dealing with one right now, a '15 Rogue. Initial complaint was a dead USB port, so we ordered one. When it came back for the port, it had a new problem. The driver's side A/C wouldn't change mode. Turned out the servo was fine but the splines on the mode door were stripped, so it needed a whole new HVAC unit. Dash disassembly, nasty job. We replaced it and the port, and a week later it's back with a security light for the NATS antenna. The antenna and wiring check out fine, which means the antenna driver in the BCM is dead. I'm putting a new BCM in it on Tuesday. The lady has a great aftermarket warranty, but damn, if it wasn't for bad luck this car wouldn't have any at all. I'm really wondering if the next time I see it, it will be in little pieces because something exploded.datechboss101 wrote: ↑Sun Apr 18, 2021 8:01 pmIf one thing I learned out of this... some vehicles are cursed from delivery day, and if we don't get rid of them quickly, they will end-up causing an issue (the Rogue was cursed if it made any sense).
Different curses for different folks.datechboss101 wrote: ↑Mon Apr 19, 2021 7:02 amI think my definition of cursed might be different. Usually it would be parts that fail, but this is a different animal.
LOL. Excluding #1 (I assume your mom did nothing wrong), #3 (unless you were driving too close to the vehicle in front of you), and perhaps the key scratches with #6 (unless it was done by your keys), it seems more a case of a good car cursed with bad drivers. Trying to blame the car sounds like you're still in denial, and I'm not talking about the African river.datechboss101 wrote: ↑Mon Apr 19, 2021 7:02 am
I think my definition of cursed might be different. Usually it would be parts that fail, but this is a different animal. Here's a list of why I believe this vehicle was cursed since 12/24/2015:
1) Vehicle got rear-ended at a red light while my mom was driving it 3 months after purchase
2) Father got a speeding ticket like about 6 years after his previous ticket
3) Front Windshield replaced
4) Mailbox damaged the fuel cover door and right rear quarter panel
5) Damaged 1/4 of the garage door and the liftgate spoiler
6) Vandalized multiple times (gigantic door paint chips, key scratches [$1100 damage])
7) F***ed up my perfect driving record
8) Crashed 2x within 12 hrs
If we compared this vehicle to my current one, the current one just got rear ended twice (thank you 2020 for harming me).