Oh Well 75 Buick estate totaled by a drunk!

I guess this is another difference I don't understand between the US and my province of BC car insurance. I've only had Comprehensive and Collision on my wife's new van/SUV and gave up paying the extra after her van got to 8 years old. Me not having either I'm still covered if a accident is not my fault, yet if I'm at fault I'm SOL. I do carry a 3 million liability though incase (knock on wood) I do end up in a crash that is my fault and injure someone

 

More double talk on insurance. Here in Florida every driver has to have car insurance. And every driver has to carry no fault and uninsured motorist insurance to cover drivers in Florida with no insurance. But to get a drivers license plate or tag, as some call it, you must have car insurance. So why do we need no fault and uninsured motorist insurance for drivers without insurance if they need insurance?:confused:
Rumor is one in four Florida drivers has no insurance or maybe no driver license or legal tags. When you pull up to a four way stop one or more are driving ilegally. Maybe one is drunk. Maybe one is driving with road rage. Maybe one is a wanted criminal or illegal alien. If the other three are legal that leaves you. Happy motoring.
Also many of my cars are considered antiques even though I don't have antique tags on them all or antique insurance. I do however carry full coverage and $500 deductable for collision. Comp seems to be fully covered at least for glass.

Everytime I turn on this computer or change pages I see offers for cheap car insurance that my insurance company don't want me to read. Those are similar to the ads for getting my house payments lowered if I owe under $650,000 on it. Yea like a lot of my friends owe more.

Insurance companies beg us to switch to save more money then when we need them the stories change. Somehow we were forced to carry car insurance and pay increasing premiums for less coverage. Yes still better than being crashed into by someone with no insurance, no job, and no decency.
Only in America....Canada, and other places.

 

No what you wrote was very intersting. What our insurance companies and government say is double talk.
At least in Florida we are told we must have car insurance to get our car tag.
We can not get the car tag or license plate without proof of insurance. Yet we must be insured to cover other drivers without insurance. That there is double talk.

 

I have liability and comprehensive. No classic or antique because I have
no where it keep it inside every night.

I was told(and I asked) when I got the comp if my car was covered for ANYTHING that was not my fault. And was told it was, with everything we have in the policy. The agent has however been taken over by new people(daughter son something like that) And I do not know if it was "changed" after the new people took over.

 

Same here in PA no insurance no plates and if it is dropped and you do not send in your plate they take your license. We also have an uninsured motorist deal but I think it's covered in license renewal and fine fees.

 

I'm kinda worried about my 55 wagon license tag. It is now due for renewal and insurance will run out mid February. I informed DMV I was not renewing it since we are someday moving to Illinois and will renew there.
But my experience with these matters may end up getting my license suspended. I will not give them my old tag. I paid nearly $100 for it and it's a 1955 Florida tag. I just plan on removing it. Wagon is in garage anyway.
At least I shouldn't get anymore phoney toll booth tickets.

 

Our Antique/classic plates here are 1 time pay only they stay with the car forever(long as it's in pa I would imagine) and when you sell the car your plate goes with it

I ACTUALLY got a call from the Geico co today and sent pics of the truck and MANY of my car(inside and out) and the scene!

 

My wagon does not have antique plates. I have an original 1955 Florida plate that I bought at a swap meet. I think it's safe to just remove it and keep the plate.


That sounds good. Hopefully they will get on the other insurance company.
What happens when both customers have the same insurance?
I should know this. My daughter works for an insurance company. But we never talk business.

 

Geico IS the other ins co.

Knowing my co they would probably RAISE MY RATES! If we both had the same! lol

 

You're not always in good hands.

It's terrible how insurance companies are able to manipulate us. Many years ago my mother had a well known car insurance for a long time. Never had an accident or ticket. Out of the blue she got canceled.
The reason...... 'You are a bad risk. You've been driving a long time accident free."
I heard this was common practice. May still be. I do know our rates can go up with a claim even if it was the other guy's fault. The time I got hit by a drunk driver in midwinter it took months to get the claim settled. Can't remember if my own insurance went up. I do remember having to personally call and write the other people and their company. Made me wonder why I even had insurance.