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cab drivers. old drivers. young drivers. middle aged drivers. essentially everyone is guilty of getting distracted one way or another. |
:iagree:
Which is why CA made calling or texting illegal to do while driving,(plus revenue lol). Of course that's a lot like the issue with Gun Control right now.. Lets take away their privilege/ability to do something, but wait the people who do not care about the law will still do what they want regardless. Driving is dangerous.. |
Sorry to hear about your accident.
Get better soon! Don't forget about filing a loss of value claim. |
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I'm not worried about the crazy one. Besides the car wreck, she didn't interfere with my life. People like that set themselves up for their comeuppance, I just hope she doesn't actually hurt someone in the process. |
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I had my annual physical exam this morning. I've previously had a few docs ask me if I wear my seat belt. Routine. The one today not only asked that but if I text or use Facebook while driving. Dant, sorry for your experience. But glad it wasn't worse. |
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Now that we have a 370Z and a new Maxima, I looked over my policy and realized just how crappy default coverage amounts are here in TX. Basically, if one of us were at fault, and we hit a nice car, we would have been liable for thousands. 30K property damage doesn't stretch far if 2 cars that cost over 40k collide :icon14:.... If any of you out there haven't picked through your policy, I would take the time. It could save you some major money if you're ever at fault, or if you're hit by an uninsured/under insured motorist. Full Coverage may sound safe and cozy, but it isn't as Comprehensive as it sounds. Hah! SWIDT?! :roflpuke2: |
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What do you mean your agent is telling you to expect nothing? Certainly not how I would do things. In a time like this yeah expect the worse (which is nothing) but also look at the best parts of this so you don't make it seem only bad. Just my prerogative. Always like to please my clients. As for coverage, mind you I am a 21 year old male that is self-supporting in all ways and living in my own apartment with no assets besides this car and my job working at State farm; I still hold the coverage limits of: $50,000 up to $100,000 for Bodily Injury $100,000 for Property Damage $5,000 per person in Medical Payments $500 Collision Coverage Deductible (Car on car/object collision) $0 Comprehensive Coverage Deductible (for theft, vandalism, key marks, tree branch falls on car etc.) Emergency Roadside Service Rental Car Coverage $50 per day up to $1,200.00 MAX per claim. Like I said before I work for State Farm Insurance, So I make sure that my coverage covers me. I have always said base your coverage off your assets. If you have a Home that costs $900,000 and two cars adding up to another say $75,000, I would have not only have my Auto Insurance set a up like this: $250,000 up to $500,000 for Bodily Injury $100,000 for Property Damage $5,000 per person in Medical Payments $500 Collision Coverage Deductible $0 Comprehensive Coverage Deductible Emergency Roadside Service Rental Car Coverage $50 per day up to $1,200.00 MAX per claim. With Adequate Homeowners Coverage with Personal Liability limits of $100,000 and then on top of all that a Personal Liability Umbrella Policy which starts at $1M and goes up from there increasing by $1M. I would get the $1M Umbrella Policy so I have personal liability limits of $1M over both cars coverage and the home's coverage at that point. So anything you are personally liable for can be claimed through your personal liability. Just my :twocents: |
Yea I just bought a house myself birdman and I have a 250/500 policy with an additional mil in an umbrella policy. Insurance is no joke! Can never have too much.
Dantz can't believe ur agent said that. Like others said, may be time to involve attorneys |
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Whenever I have a new client and I am quoting their autos and home together I already throw in the Umbrella of $1M if their home is of a certain value or it looks like they just have completed upgrades to the home, and quote the cars with the increased discounts as well for having the added umbrella. So not only are you saving $$$ but you're saving your a$$ :tup: |
Unfortunately my auto company said at first, my home isn't insurable by their standards. After, it changed to a price of literally double what my current home insurance costs, with the exact same protection, and that's with a 3 car multi discount, 10 year policy discount, and some other mess. I left it alone, but this umbrella policy sounds like it might be worth it for me to look for a new company for both our home and cars..
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I would definitely be looking for a new Agent atleast, if not company. Ill send you a PM and help out since I'm in the Insurance Industry.
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Glad it was not worse. Hopefully no new health problems arise from all this.
Good luck with it all. |
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