Insurance Woes, uh Rates

So is Jeff selling insurance now or being an agent for agents? I bet if he has a routine doing an insurance sales pitch it's funny as hell.

I would also bet if he includes tort thresholds in his routine, his writers had a heck of a time turning case law into boffo biker jokes.

Auto Accident Claims Under The Revised No-Fault Law And Verbal Threshold Standard In New Jersey ~ New Jersey Law in Review

 

An additional item that affects the rate you pay for insurance is your credit rating. Seems the actuary folks have decided that if you have bad credit you are more likely to have accidents. I think it is absolute BS, but hey, there are reasons I no longer work for the Evil Insurance Empire!

 

They "do" just like anyone else, whatever they can get away with. There was a time when the color of your car was taken into account to up the rates. Other colors too like your skin color. Sure like to see em pull that now. LOL

 

I tried Ball Insurance and while the rates are good, State Farm won out. BTW, I did read the whole thing, know you were responding to Crusty and chose to respond. Deal with it.

What guilt trip? I merely stated the facts, which included my screwup and Geico's attempt to bend me over, which if you had read my posts, not only failed but is going to cost them all my business. To remove any cluelessness, here's the costs for one year:

Geico ('08)
Car (liability) $680
VFR (full) $544
TOTAL= $1224

State Farm ('09)
Car (liability) $276
VFR (full) $482
Renter's(20k) $141
TOTAL= $899

Now, given it costs about $800 advertising and related expenses to replace a customer (per policy), it sure looks Geico cost themselves a bundle, no?

Geico's policy is that if they insure multiple vehicles, any claim on one policy affects the rates of that policy, not the others. It's my option that policy ought to apply to at least a single ticket. It does not and such is life. FTR, your highjacking has been of no use whatsoever other than to demonstrate how useful you are.

Again, read what I already posted or at least have someone explain the numbers to you.

 

So how much did that one ticket really cost you? For less than that kind of money you could have bought probably a couple of hair shirts or fifteen minutes with one of those Harleydood chicas with the black leather whips and matching bustiers.

Skipping right to the bottom line, the numbers tell me you got one too many.

 

Ok, how about you have someone read my posts to you and explain the big words along with the numbers? Skipping right to the bottom line, you are a trolling idiot and I'm done with you.

PS: It's "ain't", not "aint"

 

LOL, you are rite I done did it rong. BTW, ya might want to check out how to use the abbreviation of Post Scriptum. It is written P.S. However, if you still wish to be the spelling, punctuation and grammar Nazi as well as the guru of all things insurable and citationable, the job is yours. Those hijacks by English teachers can be a bitch though.

So how many movings did you really get? Does Ball sell auto and HO insurance in your state? They don't in mine. Just Progressive bike insurance. Rates are great, if ya don't have string of guilty cop outs.

 

The big hikes come with age, locale, points, and CREDIT RATING. The difference between rates for someone with 500-600ish credit vs high 700 ratings is more than 30% often.

 

That and if they could, would up the rates for having holes in your sox, missing brushing your teeth and not patting your dog on the head every day. Do not be surprised if they start asking about smoking, religious preferences, and how many times a month you eat fast food. They are into medical records bigtime.

 

You live in NJ too?

KC-10 FE out...
lane: :usa2:

 

I don't know how much simpler I can put it to you but here goes. I've got the one ticket, that's one, numero uno, a single ticket, individual and alone, the only ticket of any kind I've had since 1997. Geico is wanting to raise my rates for the one single running-a-red-light ticket, and nothing else. They have specifically said the parking lot at-fault in 2007 (no ticket) was not a factor because the pay-out was less than $500. Get it now? As to your Nazi crack, fuck you asshole.

Soundmaster, you have a point about credit ratings, having gone Dave RAMSEY a few years back, I have no credit line of any kind so my rating must be pretty low...

KC-10, Alabama is Hell, NJ is just Purgatory...

 

Not even going to reply to the others, just this one.

Yeah, I was wrong and I knew it. So why wouldn't I pay the citation? If I am wrongly cited, believe that I am the first one to be waiting at the courthouse to have the ticket dismissed...

And Spell it right, its C-R-U-S-T-Y ... or crustyrider, or CR. Just not with a K.

Cyborg, sorry to hear about your insurance hikes, I'm guessing your under 30 YO? Not gonna give you any advice on how to handle it. Did you already use your one "freebie"? ie... the DMV class? not sure what that costs in AL but it usually was about the same as the ticket but nothing is reported/recorded.

 

Nope, I'm 45. I've decided to switch to SF, Geico can eat their rate increase with a side order of raw shit. As for my freebie, I had a deal with the county attorney where I'd pay the fine, take the DMV course and the ticket would be wiped from my record. Unfortunately for me someone's asshole lawyer, who wouldn't take 20 minutes of "no" from the judge for an answer, pissed her off big time. So, when my turn came I was told no deal and given 2 choices: Guilty and pay the ticket or Not guilty and bail out in a day or two.

 

I am always happy to learn from someone who knows the law and knows when they are wrong. They are darned hard to find. None in the slammer from most accounts, not many in lawyers offices and darned few in traffic court.

Different states have different laws concerning insurance rates and traffic citations. They also change from time to time. If allowed to run with the ball these insurance companies would find reason to add bloody parking tickets to anyone's queue to get more bucks in the till. Some states allow the insurance companies as many a five years of accumulated paid citations allowing them to raise rates. Bend over dude.

Paying "it" is just (pardon the cliche') the tip of the iceberg. The paper trail is now computerized and the insurance folks have computers like Crays. They have stuff on most of us that we forgot twenty years ago. If you want to have some fun, go see your "friendly" agent and tell him or her that under The Freedom Of Information Act, you wish to see any and all data collected by your insurer from outside sources.



If the citing officer does not appear in court, the idea being that cross examining a piece of paper is impossible, you walk. Many times if the proper subpoenas are filed the hassle of bringing a bunch of electronic equipment, a certified pile of paperwork the citing officer and the certified technician who calibrated said equipment is so much trouble,the heat doesn't show and you walk.

Under your philosophy it looks like that balance scale the symbol of justice holds is weighted with a heavy guilt trip.



Sorry bout the mispelt nom de plume. Guess I have seen too many Krustys on The Simpsons or cops eating Krusty Krispy Kremes.

 

Stepping away from the flames above...

There are a ton of factors that determine your insurance premiums - and again, no two companies seem to compute them the same way.

Factors include, but are not limited to:
Your age
Driving history, including citations and accidents/claims
Your education level
Your marital status
# of dependents
Homeowner or renter
Your credit rating
Your income level
Where you live
Your occupation
Where you work (location)
Where you park the bike at night (street, driveway, garage, etc)
How far you ride to work
Primary type of riding done on the bike (commuting, recreational, etc)
Coverage levels (liability only vs. full coverage)
Deductible amounts
Coverage bought from an agent or online
# of years insured with the same company
Own outright or make payments on the bike
Make, model and year of bike
Style of bike (cruiser, sportbike, tourer, standard, etc)
Purchase price of bike
Added coverage for mods
How many other bikes you own/insure w/the same company
How high a theft target the bike is
How everyone else rides said bike (squids/crashes)
MSF or other safety course completed
How long you've been riding
Fully licensed or temp permit holder
Mandatory helmet law or not

As always when it comes to insurance, YMMV. :wink:

 

I don't need you to tell me how traffic court works....I spent a few days attendind traffic court as an LEO.

I seriously doubt that my insurance company has anything on me from 20 years ago. like I said before if I'm wrong I'll pay the fine there is no guilt involved in that.

as far as a mountain of paperwork for the records on the radar instrument ..nah its really not it should be at least for me it was a folder that had all the proper documentation in it.. really easy to keep up to date.

 

Since "attendind traffic court as an LEO" It might be well to dispense with corrections of other's spelling, grammar and punctuation. This is germane to the conversation in that mispelt street names on a citation does not apprise the court of the specific location of the alleged incident. I will look on a handy-dandy map site and see if I can find a Krusty street somewhere and send any corrections to the proper authority in your behalf.

Were you a LEO in California or elsewhere? Nice to have an expert on the California Vehicle Code on board if this is so.


You should be aware that in court a folder with "documentation" carries with the court the same weight as an attmpt to cross examine any other piece of paper. The citing officer has documentation only to the extent of same being records. Rare is the case where the citing officer is the electronic or calibration technician.

Dude, this stuff is so basic in even a paperback "how to beat a ticket in court" that anybody with a dimes worth of sense can spot holes where they exist.

You are welcome to your own guilt trips of course. A little scary but I do understand.

 

Again, Geico specifically said the parking lot accident was not a factor and yes they knew about it because they paid off on it. Again, the ticket was the sole and single reason for the rate change. NOTHING ELSE.

With Geico, I talked to the agent, the agent's supervisor and a "Customer Retention Specialist", with no positive results. The State regulator said Geico was within their rights.

I told them everything. As I posted before, SF doesn't care about the parking lot because it was less than $500. As for the foot in ass observation, you got something right, amazing given I posted several times doing just that.

I would dearly like for you to call me that to my face.

Sorry, unlike you, I don't dodge out like that. I ran the light, I paid the fine.

For once, we agree but the appeal would have cost me way more cash and time than I had to spare back then.