Home Forums Hunting & Shooting Hunter's Campfire Teenager Insurance Question

Well we all learned that sand bully will lie to save a buck. I know whether i will ever trust him or sell to him. Rest of you make up your own minds

Sand Douche. Say any of that to my face. Please.

Aha - that tells me a LOT.. Every 'adjuster' (save one) was determined to screw the customer from one end to the other in order to save the company a buck. Dealt with them many times when I was in the car biz - and I told a lot of customers how to deal with those a-holes whose companies pressured 'em all to cut the losses by trying to settle with 50 cents on the dollar - or less.. And I got a lot of phone calls later from those same customers who thanked me profusely for saving 'em a ton of money..

Ran into one adjuster personally - when the only damned deer I hit in my life in the truck back in '05 caused over $7K in front-end damage and the "adjuster" offered to pay $2500.. I fixed that BS by putting a lot of pressure on the company itself - to either settle up correctly or my 15+ year history with that same company (and NO losses) would end at noon that day.. 11:55 am I got a call from his boss - and the repair shop got paid in full.

OK, time to join the fray. I've been a broker for 31 years.

Sandbilly IS correct about letting your neighbor, or friend, drive your car, and there being coverage under your policy.

Sandbilly is incorrect about naming drivers in your home. You have to tell your insurance company about every driver in the home. If you don't, they may decline to pay a claim.

For a small claim, say $5-6,000, the adjuster will most likely pay the claim, and then tell the Underwriter about the undisclosed driver (UD). Then, the underwriter will send out an Offer to Exclude the UD. If you sign, the rates stay the same. If you do not sign, the rates will increase due to the UD and the accident.

For a large claim, say $50,000+, the insurance company has an incentive to review the application, to make sure the T's are crossed, the I's are dotted and all drivers in the home are named. When they see the UD, they might decline to pay. That leaves the owner, and driver, of the At-Fault car to pay the damages out-of-pocket.

Follow Sandbilly's advice, and you may wind up with a non-covered claim.

Sandbilly said his daughter has been driving for 6 years, without being added as a driver. Since she is an adult, the car might be in her name alone. Because Sandbilly is not the registered owner, there most likely would not be coverage for the daughter or her car, even though the car is on Sandbilly's policy.

The reason being, Sandbilly does not have an insurable interest in his adult child's car, therefore, no coverage.

To the OP: to keep your rates down, look at increasing your Deductibles to a higher level. Carry as high a Deductible as you can comfortably come up and raise your Deductible on the home while your at it. Take the combined savings for the higher Deductibles, and put them in a 'cookie jar'. Do that at each renewal, and in short order, you will have the higher Deductibles saved in the 'cookie jar'.

Another option is to shop around. Get in touch with a broker, as brokers usually represent several companies ( I have 14 to work with) they can quote you with, and then call a few 'captives', like State Farm, Allstate, etc.

And there you have it.

Oh looky here, you come up for air after sucking varmintGuy’s old cock?

This forum is for entertainment only. You can't possibly take these people seriously.

It sounds like Farm Buruea could save you several $1000 per year.

I have had several ins companies call me to sell me a policy. I tell them "match this".

They hear what I have covered, and what I pay, they say "have a good day, goodbye."

Years ago, when I got out of college and got my 1st full time job, I was 23. I bought a car and went to them for insurance. I had a completely clean driving record, not even a parking ticket. They turned me down flat because I wasn't 25. I told them to never come see me again because I wouldn't be interested. I have a very long memory. Sure enough, the day I turned 25, here they came asking for my business. No sale.

What limits do you have?
I carry the max available.

That being said, when I finally clear up a damage claim on my home, I am going shopping for all my coverages, personal vehicle, home, farm and ranch, business insurance, commercial vehicle insurance etc. Going to shop for private health insurance also.

LOL this coming from someone that works for Dunham's. Really???

OK, time to join the fray. I've been a broker for 31 years.

Sandbilly IS correct about letting your neighbor, or friend, drive your car, and there being coverage under your policy.

Sandbilly is incorrect about naming drivers in your home. You have to tell your insurance company about every driver in the home. If you don't, they may decline to pay a claim.

For a small claim, say $5-6,000, the adjuster will most likely pay the claim, and then tell the Underwriter about the undisclosed driver (UD). Then, the underwriter will send out an Offer to Exclude the UD. If you sign, the rates stay the same. If you do not sign, the rates will increase due to the UD and the accident.

For a large claim, say $50,000+, the insurance company has an incentive to review the application, to make sure the T's are crossed, the I's are dotted and all drivers in the home are named. When they see the UD, they might decline to pay. That leaves the owner, and driver, of the At-Fault car to pay the damages out-of-pocket.

Follow Sandbilly's advice, and you may wind up with a non-covered claim.

Sandbilly said his daughter has been driving for 6 years, without being added as a driver. Since she is an adult, the car might be in her name alone. Because Sandbilly is not the registered owner, there most likely would not be coverage for the daughter or her car, even though the car is on Sandbilly's policy.

The reason being, Sandbilly does not have an insurable interest in his adult child's car, therefore, no coverage.

To the OP: to keep your rates down, look at increasing your Deductibles to a higher level. Carry as high a Deductible as you can comfortably come up and raise your Deductible on the home while your at it. Take the combined savings for the higher Deductibles, and put them in a 'cookie jar'. Do that at each renewal, and in short order, you will have the higher Deductibles saved in the 'cookie jar'.

Another option is to shop around. Get in touch with a broker, as brokers usually represent several companies ( I have 14 to work with) they can quote you with, and then call a few 'captives', like State Farm, Allstate, etc.

OK, time to join the fray. I've been a broker for 31 years.

Sandbilly IS correct about letting your neighbor, or friend, drive your car, and there being coverage under your policy.

Sandbilly is incorrect about naming drivers in your home. You have to tell your insurance company about every driver in the home. If you don't, they may decline to pay a claim.

I have $100K liability and $500 deductible. Annual renewal is coming up. I intend to talk to the agent about trading higher deductibles for increased liability.

That's not the case in Minnesota, which is a no-fault state. I don't believe Colorado is.

In Minnesota the insurer has to pay the liability claim. However, the insurer can sue after the fact if they believe fraud was committed.