Please tell me SF didn’t claim that you “Didn’t Maintain Proper Lookout” and blamed you because they used this exact phrase twice on us as our insurer:
1 - I got rear-ended while at a full stop and the other person admitted it was 100% her fault. Then they claimed that my nearly new EQS didn’t have a rear bumper. It fell off from the impact… but what do you think is that thing on the ground in the pix???
2 - A family member got involved in a seemingly staged accident where another car (a Prius) ended up with about $2,500 in claimed damages - most likely preexisting - while our Camry had a hairline scratch. SF went to arbitration and lost. Premiums raised for the next 6 years by almost 50%!!!
Because filing a claim for a windshield repair that you pay $ to have does not make you high risk! Because it circumvents the law which does not allow insurance companies to raise rates for non-fault claims!
When someone has only no fault claims on their record and the insurer says, “we aren’t dinging you for who’s at fault but for the claims themselves”; what is the end result? The person with no-fault claims is treated the same as is the claims were his fault. Switch the work from raising rates to almost any other negative word and you’ll see what I mean.
To be clear, in my situation; nobody is claiming that we are at fault in any of the claims. Everyone fully admits that we were not at fault in any of the claims.
Glanced thru this thread, I’m in insurance (commercial only) the personal auto market is effed for a long time due to Covid losses ( higher vehicle costs, labor etc) and the only way to survive is to simply shop around and avoid claiming your insurance unless it’s a significant amount of money, personally that’s 5 k.
Now to OP definitely do complain to relevant regulators if you received poor information from your insurance.
I understand they take now take no fault claims into consideration. I don’t need that repeated. Nor do I need to be told to not file claims. I’m not seeking advice on how to get f@#cked less often or how to put lube on ahead of time. I want to not get screwed regardless of what I do.
This situation is called a “double bind”, a position where regardless of your actions, you lose.
AThe law in AZ is that you can’t count no fault claims as a reason to raise rates. By asserting that they don’t look at fault but # of claims, they circumvent the law as I’m getting treated like the claims are my fault despite them not being.
Second, I paid $185 per year for a separate rider for windshield repair that is optional and over and above my auto insurance. They are using windshield repair claims to increase my total insurance bill by $200-300 per month. I’m paying to get screwed in this case. It would be COMPLETELY different if they wanted to raise my windshield coverage based on windshield claims. If they raised that coverage I could choose to pay the increased premium or opt-out. I CAN NOT opt out of auto insurance. They don’t disclose any of this to you and the rules changed after I got the windshield coverage.
This would be like finding out your health insurance rates tripled because you opted in to your companies eye glass insurance and used it to purchase 2 pairs of $100 glasses over a couple of years. How would buying eye glasses have an exponential effect on the cost of your medical insurance? It wouldn’t. It would be so illegal. Why is it ok in auto insurance?
Best approach is likely to treat like a high deductible health plan. It’s in place to cover a catastrophic event. All “minor” repairs less than that it’s prob better off to self insure as best you can and keep claims off your history/record. I would try like heck to keep any incidents or repairs from reaching my insurance company and/or police report if at all possible. Insurance companies will find a way or reason to charge more of you don’t.
Wait whaaaaa? High end EVs are expensive to insure? Say it ain’t so.
Also your car payment has zero relevancy to what insurance costs.
I pay almost $1K a month for my cars. It sucks, but what can I do. If you want cheap insurance drive a 10 year old Camry.
Part of the reason my premium is so high is because I had a claim on a hit and run. 100% not at fault since the car was parked on the street and an asswipe ran into it. Doesn’t matter, it was a claim and it counts against me. I did learn a lesson though, when stuff like that happens, pay repairs out of pocket. The money saved long term will more than cover it.
What if I just want to not be screwed on insurance for issues that are not my fault by companies using predatory practices? Or is my only option to buy a Camry?
And why would I not get screwed on a 10 year old Camry if the same logic of no-fault claims apply?
Nothing more helpful than someone who has been screwed by insurance companies believing it’s just fine for others to get screwed as well.
Again, I’m not looking for advice on how to get screwed less or how to learn to enjoy it more! I am looking for a way to stop being screwed!!!…for things outside of my control.
The “just accept it and don’t make claims regardless of what happens” advice is no advice at all. In the end, that may be my only course of action but I hoped intelligent adults could potentially see the bigger picture instead of being ridiculed for being willing to call out the actual cause of the harm.
@Abe_Lefkogives OP the most practical answer and advice
OP:
Lalalala I don’t want to live in the real world, lalala big companies are mean, lalalala this is unfair, lalalala
OP: Either become an insurance pricing activist, contact your AG, local news, congresspeople, and everyone else who will listen and make a big stink about how they circumvent AZ law, or, stop being rude to people on here who are actually trying to give you practical advice on how to potentially lower your rates here in the real world where the rest of us live. Either be the change you want to see or shut up about it, complaining on leasehackr about how unfair it is that they use a loophole isn’t going to get that loophole closed.
Insurance broker in AZ. What you are expericening is the reality of the market. Everytime you file a claim (accident, glass, towing etc) it will show up on the clue report. Carriers are going to look at frequency and severity of claims. If you file more, you will pay more. It is the reality of what it costs to have someone as an insured. If someone is paying 2k a year in premiums, and filing for 5k in glass every year- it is a loosing propisition for the insurance company.
If a driver goes through 3 or 4 windshields at $1500 a time, they are going to pay more than a driver that does not. It is a cost of doing business/driving in AZ. With not at fault accidents, the only carrier that I know of that will change premiums is Progressive. They cannot raise a premium for it, but can put you in a diffrent rating factor for it (accident claims free vs claims paid out).
Comprehensive claims have become an elgibly factor for getting insurance. Some carriers have a higher thershold for taking on new customers than others. The most preferred carriers I have limit glass to 3 total over 5 years. The most liberal will allow 10 over 5 years.
If you want me to look at what you have, I am happy to. Just send a DM and I will reach out.
