but but but
(just figured I’d go ahead and make the next post for OP)
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Just hung up with the Claims Supervisor at Farmer’s regarding my no-fault accident. When I questioned why I was advised to file the claim through my insurance instead of the at-fault party’s insurance, she explained that it wouldn’t matter whose insurance the claims was filed under because the claim would have been associated with our VIN and therefore our names in CLUES–REGARDLESS OF WHETHER WE FILED A CLAIM WITH OUR INSURANCE COMPANY OR NOT!
I provided several scenarios to clarify that I wasn’t misunderstanding the situation. The last question that I asked was what if we didn’t file a claim with either insurance company and didn’t take $ from the at-fault’s insurance company, would we still have a claim as a result of the accident. She said that if we did nothing (filed no claims, took no $) but the at-fault party filed a claim for their damage and included our information in the claim to their insurance company, their insurance company still report it and it will show as a claim on our record, a no-fault third party.
You’re right! Being stopped at a red light (not moving) and being rear-ended certainly makes me equally responsible. WTF do you think “no fault” means? Under your “logic”, the word “victim” shouldn’t even exist. I am the victim of predatory illegal practices as are many of you. If you choose to accept it because you’re too scared to do something about it then keep your mouth shut!
I’m already in the middle of filing complaints and a lawsuit so I’m doing EXACTLY what you’re suggesting. I’m seeking information on Leasehackr and have received some very useful information. It’s the advice that I was not seeking or soliciting that is the problem. I’ve reiterated it again and again but here you are repeating it.
I think there are individuals that reside or drive in high risk areas that are paying more for insurance based on risk factors for events that have not even occurred yet - let alone one that has already happened and was deemed not at fault. Comp rates vary widely just based on the potential risk. As might rates for those that drive in accident prone areas - before an accident even happens. Once one does, even if no fault, it might provide a data point on driving habits or locations frequented that goes into the black box and spits out a higher premium. I am not implying you should not fight as much as your willing, but part of this is what it is.
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Jim, this is the type of information that is helpful to the discussion. I have no problem with people in risk-prone areas paying more for insurance (auto or otherwise) since I have a choice about where I choose to live. I accept that living near downtown of a major U.S. city like Phoenix is a contributing factor and I would have no beef with the insurance providers if that was the primary factor. While I accept that it is certainly a factor, I think it’s a small fraction of what I’m seeing.
Since my last post, I applied for home + auto from Traveller’s. Here is their response:
What is travelers doing wrong here in your opinion ?
I heard if you change your gender to non-binary, you get a discount 
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Looks like they have a specific deny coverage approach for the number and $ amount of glass losses during a specified timeframe. I think this can vary across writers. Your best bet is to find a broker who knows where to route you - to the ones that have more lenient thresholds.
@jthacker48 - So what’s your end game? It is a serious question since none of us on this forum can help you get cheap car insurance.
Any update?
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My example would be a high school kid parking in a school lot daily. Prob a premium increaser from day 1. Let’s say she has 2 no fault incidents at school and we don’t file a claim but police get called before I can get the other parents on the line to try and stop them from doing that or another student calls if they see it. I would expect my premiums to rise because of the add-on risk factor of her being in the lot “at the wrong times” as evidenced by the no fault incidents. Even when no fault and no claim I still pay more.
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I didn’t say that Traveller’s was doing anything wrong as I don’t have enough information to know one way or another. I’m asserting that Farmer’s insurance (and any company using the same practice(s)) is acting in bad faith and selling a product that if used as intended will result in exponentially more harm for the consumer than had they not bought the product.
Farmer’s is selling a separate optional policy for windshield/glass coverage that costs nearly $200 per year. If you file a claim on that policy, they use that as a backdoor to circumvent state law and increase your premiums on your non-optional auto insurance which costs 10-15x the cost of the windshield coverage.
Again, if having multiple claims on your windshield policy increased the rates ON THE WINDSHIELD policy, that would be completely acceptable behavior as both parties have the option to opt out of that type of insurance completely. But when increasing rates for no-fault accidents is illegal and they entice you to file a low $ payout claim FOR THE REASON of increasing the premiums they couldn’t touch otherwise, that is where my problem lies and it lies with any company using the tactic.
My end game is for the law that is already in place to be enforced against this practice used to circumvent the law. I am somewhat resigned to being screwed for the time-being.
I’ve already contacted an attorney. My plan is to file complaints with all of the necessary regulatory bodies in AZ and send emails to my representatives. In addition, I intend to file a lawsuit if, after all due diligence and legal advice, I have a chance of winning.
As of now, I’m waiting on my CLUES report that I ordered from LexisNexis last week so I’ve got all of my ducks in a row before I submit the complaints or file a lawsuit. All of this just came to my attention last week. In my experience, the consumer protection agencies (using that generically) are not quick to respond. I’ll be reaching out to the Department of Insurance and anyone else who might be able to effect change or enforce the law.
Will you also get a non-binary answer on whether they’d insure you?
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This thread has run its course. OP can request to reopen it if they want to provide an update.