How it started
How it’s going
https://www.insurance.wa.gov/news/insurance-industry-guts-proposed-ban-use-credit-scores
I have a 5 mill umbrella policy still leftover from my days as a landlord. It costs nothing really
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Every reputable provider I’ve talked to wants $500K combined single limit, and it’s more like $200+ for $1 million umbrella nowadays… Most carriers will require you to have the home and auto policies with them too. As always, YMMV.
I have an umbrella policy with the company I get my auto insurance through. They require 250/500 on auto. My home insurance is with another company, since my auto/umbrella company will not insure my home in So Cal due to fire risk. I pay $475 for $5 million on the umbrella.
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Tried for 1 week and I am getting denied by all the agents and companies. My policy expires on 12/15. What can I do???
It’s illegal to drive in NY without insurance, so if you don’t have insurance by 12/15 you need to surrender the plates and park it.
Did any of the agents you spoke with give any insight about what might get you a policy (eg lower limits? A less expensive car? Better credit score?)
Have you started looking at options to sell the car?
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How long does a claim stay with you?
Even The General?!
^^^
I received a quote from The General this am…
$24,759/yr.
Progressive is $4400.
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They gotta pay Shaq somehow 
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Also be on the look out for a letter saying you were uninsured for x days so you can’t drive from XXX to XXX, your agent should handle that but be on the lookout before a very bored upstate Town/Village cop with 400k in cameras decides to full Rambo. 
NY
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It’s a lease car and it doesn’t sound like the agents don’t want to help as soon as find out the claims I have
Also important to note that an insurance lapse is a huge no no on your history. Tried the LLC ?
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If you can’t make the deadline, perhaps you could buy some time and rent a car for up to 42 days and pay $20 for insurance over the duration from Amex Premium Rental Car Protection.
Of course this doesn’t solve your gap in coverage problem, but it could be Band-Aid if can’t go without driving while you figure this out.
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I’m not familiar with how the LLC goes
Open an LLC and get a commercial Auto policy
Some i’ve looked at previously don’t cover vehicles that aren’t owned by the LLC.
And in NY, that policy has to cover OP’s vehicle to keep it registered.
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I can do that in the middle of my lease?
Friend recently got kicked out of the top tier of his insurance company because his kid has totaled two cars. He called them and is now insured with one of their lower subsidiers for more money! You could try that.
I thought NY has an assigned risk pool?
Did you get the accident reports? Are you listed as the first or second driver? My understanding in NY if you are first you are considered more at fault.
When one of my kids was rear ended I did notify my insurance but went through the other drivers (100% their liability since rear ended). Even so he used to drive for his school (when his team would rent cars to get to team games, the university would pay for the rental as long as you were preapproved by them), after the accident he was not approved to drive for the university. I pulled the accident report from DMV ($10 or so) and sent it to the school showing he was not at fault and they approved him again. They had found the record of the accident when they ran his license but I guess not the details
I am paying too much for an umbrella. Any suggestions for umbrella companies that will insure you without also insuring your home or auto? It is not based on accidents or anything, although I have a number of drivers in my house
Claims you are involved in personally, and on property that you insure stay on your CLUE report for 7 years. Different states/insurers may have a shorter consideration window, but they are there — including coverage limits and what was paid.
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