Got my car broken into!!!

[MichaelJackson9]

i will has you scammed of your children

 

[ultimate157 5,000+ posts]

We'll insurance is all based on individuals rates not as a whole. So yah if i claim it was stolen , insurance rate will only go up on my rates not yours so chillax. The only reason i did that was to meet my deductables. If you guys understand anything about how insurance works, certain deductables has to be reach before they even payout for anything. Also the insurance are the stealers! they make money off of us doing nothing and when its time for them to help me of course imma take advantage. Been paying my insurance for 5 years. I'm sure something like that wont hurt them at all.

You have no idea how the insurance system is set up. The companies look at every single statistic in the entire world of driving and take it into account when determining risk of insurance in a region. They look at crash statistics to insurance claims to how intersections are designed in certain areas. They look at crime rates in your town and probability of a claim for theft, crashes, speeding, etc, etc.

My friend is an insurance agent. They look at claims to deterimine a "loss ratio" which is how much money they have to pay out for claims in comparison to how much money they bring in from insurance policies. By filing a claim you contribute to a higher loss ratio, therefore increasing the rates of everyone around you.

Sure, you maybe only adding say $100 to that ratio, however if you add up a few thousand false claims, you are up to $100,000+ in loss that the companies take into account. Now think of the people who purposely total their car to get insurance money. A single false claim could be anywhere from $3,000 to $50,000

 

[innsanes 10+ year member]

got a called from the insurance, The first $1000 must be paid by me before they even payout, that means I won't be able to meet the deductable and have to pay out of my own pocket. See there you , **** insurance won't even help even though you paid them thousands of dollars.

F U CK everyone who is backing up the insurance company.

 

[gunz4me 10+ year member]

got a called from the insurance, The first $1000 must be paid by me before they even payout, that means I won't be able to meet the deductable and have to pay out of my own pocket. See there you , **** insurance won't even help even though you paid them thousands of dollars. F U CK everyone who is backing up the insurance company.

I hear you on getting screwed by your insurance company.

This car had a blue book value of $26 k when I was hit by a drunk driver:

My insurance company only gave me $18k for it. I had to FIGHT to get an additional $500 for my add-on amp, subwoofer, and IPOD controller:verymad:

 

[James Bang 5,000+ posts]

I hear you on getting screwed by your insurance company.
This car had a blue book value of $26 k when I was hit by a drunk driver:

My insurance company only gave me $18k for it. I had to FIGHT to get an additional $500 for my add-on amp, subwoofer, and IPOD controller:verymad:

ZOMGVTAK

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[ThatChevyGuy 5,000+ posts]

I think what happened is vtec kicked in and you lost control and the insurance knew it!

 

[gunz4me 10+ year member]

I think what happened is vtec kicked in and you lost control and the insurance knew it!

lol... It was actually a pretty fun car for a V6 Accord because it had this:

Sadly, I was penalized by my insurance company to the tune of $750 because the car did not have an automatic when they did the payout. Bastards:verymad:

 

[ultimate157 5,000+ posts]

got a called from the insurance, The first $1000 must be paid by me before they even payout, that means I won't be able to meet the deductable and have to pay out of my own pocket. See there you , **** insurance won't even help even though you paid them thousands of dollars. F U CK everyone who is backing up the insurance company.

The $1000 IS your deductible. Christ you have no idea how insurance even works...

You're a ****ing idiot for making a claim anyway... Only going to raise your insurance most likely well over the cost of a FEW new radios.

 

[innsanes 10+ year member]

i didnt make the claim, idiot! i ASKED THEM BE FORE HAND

 

[I Like Waffle]

I busted 3 windows out of my house, took all my computer equipment, games, tvs, tools, etc. As well as my quads and dirtbikes to my grandmas for a few weeks, scammed insurance for 12,600. Got it cancelled though and now i have none. But i still pwnt them //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

ftw

 

[oldschool4me 10+ year member]

yea to have a good deductable you have to pay alot more for the policy also most insurance companies will not cover lose items in the car such as laptops, cd's, gps, ipods etc and even audio equipment that is not mounted/attached to the car and you must show proof of where the equipment was mounted and also many ins companies will say that you are supposed to notify them when you have audio installed in the vehicle so they can adjust your rate accordingly if you want it to be covered.

 

[ultimate157 5,000+ posts]

i didnt make the claim, idiot! i ASKED THEM BE FORE HAND

Boohoo quit crying for ****s sake.

 

[tc300 10+ year member]

I busted 3 windows out of my house, took all my computer equipment, games, tvs, tools, etc. As well as my quads and dirtbikes to my grandmas for a few weeks, scammed insurance for 12,600. Got it cancelled though and now i have none. But i still pwnt them //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

ftw

why get rid of a good thing???? insurance f uks ppl, then they wonder why ppl **** them.....

 

[innsanes 10+ year member]

close this thread , insurance are bullshit! and it's the law to have them in cali!

 

[James Bang 5,000+ posts]

INS?!

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