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Bicycle slams into our rental car, says he's fine, now makes a claim! by Georgiaalexandra in Insurance

[–]drunkryan 7 points8 points  (0 children)

The driver is required to carry liability insurance in case of injury or damage caused to other people. This would have been an option to purchase at the time of the rental (with most rental companies I am familiar with).

Bicycle slams into our rental car, says he's fine, now makes a claim! by Georgiaalexandra in Insurance

[–]drunkryan 7 points8 points  (0 children)

Then they are open to law suit as they were driving illegally without insurance and are still liable for the damages to the other person.

Root Car Insurance by jordan62899 in Insurance

[–]drunkryan 2 points3 points  (0 children)

> you're mean Holder

Those darn angry banks! Always bullying me around!

Root Car Insurance by jordan62899 in Insurance

[–]drunkryan 6 points7 points  (0 children)

Speaking to coverage. The term "full coverage" is more a term made by the banks to make sure you keep "comprehensive" and "collision" on the vehicle. This means if you wreck the car it gets repaired or paid out for its value.

Liability is the section of the policy that covers other people you hit. Your "Bodily Injury" shows the amount per person and amount per accident your policy will cover for people you hurt. "Property Damage" is the limit your policy will payout for things you hit (think cars, buildings, city light poles, etc).

We typically recommend carrying a minimum of 100k/300k for bodily injury and 100k for property damage.

As for your comprehensive and collision deductibles, most finance companies will not let you go above 1 thousand.

Hope that helped.

question about totaled car by queertreks in Insurance

[–]drunkryan 5 points6 points  (0 children)

Prove the value of the vehicle. They only pay what its worth, not what you bought it for.

Progressive online quote vs Agent Quote by ryadical in Insurance

[–]drunkryan 1 point2 points  (0 children)

Progressive Direct has been undercutting us for years now, I tell their rep the reason I dont sell them is them all the time. Try to find an annual policy if you can as they will be increasing your rates every 6 months.

Who to go with for auto insurance? by KingShultzIsMyWaifu in Insurance

[–]drunkryan 3 points4 points  (0 children)

My buddy and I said this earlier "I love when state farm is prior, its greenbacks time"

Insurance and ownership by valleyman5706 in Insurance

[–]drunkryan 3 points4 points  (0 children)

Are you married to your S/O?

If the vehicle is regd/titled to you you need to be the named insured. Typically if you are married you both need to be the named insured.

Insurance Agent Signed us up for More Coverage than I Requested by [deleted] in Insurance

[–]drunkryan 2 points3 points  (0 children)

I think this may be a "lost in translation" between you and your agent.

You mention wanting minimums on one car and full coverage on Car A. When you say full coverage do you mean just adding "comprehensive and collision" or also increasing the liability limits on that vehicle?

I ask because liability limits must be the same on each vehicle as they are policy level coverage, not vehicle level coverage. If you asked for increased limits on vehicle 1, you get those on vehicle 2.

Serious concern regarding auto Insurance by habzsauce in Insurance

[–]drunkryan 22 points23 points  (0 children)

You are a high risk driver, you literally chose to drive around without insurance. You can't lie to allstate, thats fraud. Lick your wounds and next time buy the new policy before cancelling the other. Or maybe ask your agent for help/advice.

(CA) Spent several thousand on car upgrades - how to reflect that in policy? by [deleted] in Insurance

[–]drunkryan 2 points3 points  (0 children)

Not all companies will insure those items, call your agent. If they do they will need receipts to endorse it on your policy, and yes it will cost more.

Someone incredibly ill hit my car... by whatthehelloxkitty in Insurance

[–]drunkryan 5 points6 points  (0 children)

I didn't say that. His policy should cover this regardless as he has a duty not to hit parked objects.

Property & Casualty Producers Exam Advice by tmkd95 in Insurance

[–]drunkryan 0 points1 point  (0 children)

I liked TestTeachers which is now Exam FX. Passed easily first try.

We are Root, a car insurance company that’s actually fair. We use A.I. to provide fair and affordable rates. AMA. by RootInsuranceCo in IAmA

[–]drunkryan 7 points8 points  (0 children)

Sure. I just would love to see them admit it. I personally think Root/Lemonade/MM and the like are just wanting to build a big enough book to get bought.

We are Root, a car insurance company that’s actually fair. We use A.I. to provide fair and affordable rates. AMA. by RootInsuranceCo in IAmA

[–]drunkryan 12 points13 points  (0 children)

While the response is appreciated it doesn't address the question. What will Root do differently than similar companies that are experiencing high loss ratios?

Will my insurance go up? by Controlled_anarchy in Insurance

[–]drunkryan 2 points3 points  (0 children)

If its through a school zone then it will definitely go up

I mean, it could go down too. To 0 when they cancel. /s

New Insurance Agent Advice? by whitepressure in Insurance

[–]drunkryan 0 points1 point  (0 children)

Click "message the mods" on the side bar of that sub. may need to do it on non-mobile.

New Insurance Agent Advice? by whitepressure in Insurance

[–]drunkryan 1 point2 points  (0 children)

Typically the easiest way is going to be through a cluster. Many of them will want you to have a stand alone office, not work from home.

New Insurance Agent Advice? by whitepressure in Insurance

[–]drunkryan 1 point2 points  (0 children)

Service oriented meaning customer service not production. You answered that with this post though.

Start networking. You need to generate a large enough network that when you go indy you wont be starving for leads. Check out your local BNI groups.

New Insurance Agent Advice? by whitepressure in Insurance

[–]drunkryan 1 point2 points  (0 children)

Have you figured out how much premium you need to write and how long you need to write that amount for to gain those residuals? Do you get residuals? What are commission splits?

Or are you service oriented?

Attorney said defendent policy not enough by Sapphirinia in Insurance

[–]drunkryan 2 points3 points  (0 children)

Not sure about PA but here in AZ you can go after the parents if they kid is any way dependent financially on them (housing/food).