Maybe a happy story for a change.
I used to insure my cars with Kemper out
of Kansas City, but since they don’t write
policies in Idaho,
I had to switch from them in 2000. I hated to do that because they were
GREAT!!
About 10 years ago in Arlington, Texas
(a traffic hellhole if there ever was one), I made a (illegal,yes) u-turn, right
into the path of a motorcyclist that I never saw coming. My car received
about $4,000 in damage, but the poor cyclist broke both legs, an arm and the
hand on the end of the other arm. He was out of work for 6 months.
Needless to say, he sued, and finally settled for the limits on the policy,
which were about $150,000. Kemper duly paid it all, so I held my breath.
Two months later, I got a letter from them
saying that because of my long (15 year) history with them, they were forgiving
this accident, and my policy rates would not be affected. They were true
to their word, because I stayed with them for three more years until moving
here. In the second of the three years, my premium actually went down a
bit.
I’m with Allstate now for all five
of my cars, and I hold my breath.
Tony Boatman
Boise, Idaho
57 Dodge CRL
69 Barracuda Convertible
91 Jeep Grand Wagoneer
85 Bitter SC
01 Infiniti Q45
From: Forward Look
Mopar Discussion List [mailto:L-FORWARDLOOK@xxxxxxxxxxxxx] On Behalf Of Bill Amberger
Sent: Wednesday, June 27, 2007
11:26 AM
To: L-FORWARDLOOK@xxxxxxxxxxxxx
Subject: Re: [FWDLK] Car insurance
new thread
That's kinda kin to what happens anymore.
You can be a customer for many years, submit no claims, but when you do, they
either drop you like a nuclear turd or raise the rate to "cover" the
claim, which makes me wonder why you have insurance if you're paying them back
for the damage claim.
They maybe should do like SSI should do,
you pay your moneys into an acc't and draw from it.
----- Original Message -----
Sent: Wednesday, June 27, 2007 8:49 AM
Subject: Re: [FWDLK] Car insurance new thread
About six years
ago I was backing a very large and very blind truck in a grocery store parking
lot. It was about 0700 hrs and I had surveyed the scene before moving the
truck. There wasn't a car in the lot besides a few employee's rigs parked
way out on the perimeter. Because of the visibility problems, I was
backing VERY slowly. So slowly, that when I heard a crunching sound, I
stopped to get out and found a 1991 Chevy Lumina sedan with a 1" hole
punched in the plactic headlight by the bumper of the truck ! The driver
had pulled right in behind me and waited for me to hit him. These cars
have a real sloped nose and anything over 1/8 mph would crunch out the headlight
and get the hood too, but I was being SO careful because of the blind backing
that I barely broke the plastic before stopping.
Now, a headlight
assembly on a ten year old Lumina is cheap and common as dirt, so no big deal,
right ?
This guy gets to
hollering about being a lawyer, it is all my fault, why wasn't I looking?, why
was I going so fast?, etc., and we come to an agreement that he will go
get estimates for repair. I call my insurance carrier - Snake Farm - and
ask for advice on how to proceed, .... should I claim it ?, ... or just pay the
ten dollars at a wrecking yard and replace it ? They advise I just let
the guy fix it at the shop of his choice and let the claim be made, saying it
will not affect my policy or rates for anything under $750.
I thought this guy was
a scammer from moment one, but when he made a claim for a $570 headlight lense
replacement, all suspicions were confirmed. But it gets better.
Next thing I know, my
agent's office girl calls and informs me of the claim amount and that Snake
Farm is going to drop me ! I had almost ten years of clear driving
record, and I allowed the claim on THEIR direction ! We argued round and
round, but like every other insurance dealing I have ever had the pleasure to
experience, they do whatever they please and screw the customer.
Snake Farm will NEVER
get my business again, and I would advise anyone else to do likewise.
They will toss you under the proverbial bus in a heartbeat, even after a long
and friendly dealing with an agent I thought was a friend.
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