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Off-Topic Discussion
Off-Topic Discussion
Switched from Geico. Yikes, what a difference!
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<blockquote data-quote="BkerChuck" data-source="post: 1346440" data-attributes="member: 29320"><p>I was told many years ago by my best friend's father, who sold insurance, that every 5 years you go without a claim you should shop around. He told me the insurance companies would give you a teaser rate for the first year or two, taking you at a loss even, in order to help lower their averages. Around the third year your rates would go up and then a little more each year after with "across the board" increases until you were actually profitable for them.</p><p></p><p>Like most folks though I got complacent and spent too many years with one company. After my wife's accident last year on her Harley we found out just what kind of "good neighbor" State Farm is. Got pretty well screwed on that deal. They never even had an adjuster come out and look at the bike giving us no chance to try to discuss that she was willing to write off some of the cosmetic issues in order to keep the bike. When I questioned this they informed me they no longer have "specialty vehicle adjusters" to look at motorcycles, boats, or RVs. I asked why then do they write policies for those vehicles? Their response was it's a "favor" to their customers. Some favor. We've switched all of our bikes to Progressive.</p><p></p><p>A year prior she was hit by a car carrying Geico insurance. I will admit they impressed me with how quickly the adjuster came out and how he wrote her a check on the spot. Very professional.</p></blockquote><p></p>
[QUOTE="BkerChuck, post: 1346440, member: 29320"] I was told many years ago by my best friend's father, who sold insurance, that every 5 years you go without a claim you should shop around. He told me the insurance companies would give you a teaser rate for the first year or two, taking you at a loss even, in order to help lower their averages. Around the third year your rates would go up and then a little more each year after with "across the board" increases until you were actually profitable for them. Like most folks though I got complacent and spent too many years with one company. After my wife's accident last year on her Harley we found out just what kind of "good neighbor" State Farm is. Got pretty well screwed on that deal. They never even had an adjuster come out and look at the bike giving us no chance to try to discuss that she was willing to write off some of the cosmetic issues in order to keep the bike. When I questioned this they informed me they no longer have "specialty vehicle adjusters" to look at motorcycles, boats, or RVs. I asked why then do they write policies for those vehicles? Their response was it's a "favor" to their customers. Some favor. We've switched all of our bikes to Progressive. A year prior she was hit by a car carrying Geico insurance. I will admit they impressed me with how quickly the adjuster came out and how he wrote her a check on the spot. Very professional. [/QUOTE]
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Off-Topic Discussion
Off-Topic Discussion
Switched from Geico. Yikes, what a difference!
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