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Re: $%^&*#@ drivers [Re: Axe Man] #889612 06/11/08 01:02 AM
Joined: Oct 2006
Posts: 616
Iron Offline
Rock Warrior
Quote
Quote
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.


But not in Alberta. Your insurance rates are determined by your driving recored, what type of car you drive, your age, married or not and where you live!

Your credit rating only affects what type of car you can afford to drive, or most recently what grade of gas you can afford!


08' Jeep Wrangler
64' Plymouth Sport Fury 383
58' Triumph TR-3A
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Re: $%^&*#@ drivers [Re: Axe Man] #889613 06/11/08 02:06 AM
Joined: Jun 2004
Posts: 393
Calappoyas Offline
Mudrunner
Quote
Quote
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.

Not here in Oregon. They get one free look at you credit report when you first sign on and of course they have to tell you they are. Some do, some don't. But, they can't go back at look again. Unless you ask them to.


02 [color:"red"] Sportie [/color] 5sp 4x4 2dr. 1" Body + 4" Rocksportgear lifts, 31x10.50 Wildcats M/Ts, Manual Hubs, Yakima rack, basket. Redline gear oils
http://www.cardomain.com/id/calapooyas
My beater, 03 Land Rover Freelander SE3
Re: $%^&*#@ drivers [Re: Calappoyas] #889614 06/11/08 02:57 PM
Joined: Jun 2006
Posts: 3,814
Hydra747 Offline
Roll Me Over
*
Quote
Quote
Quote
Quote
You guys don't understand how insurance works.

You filed a claim with your insurance company. It really has no bearing on who is at fault. And even with it not being your fault you are now considered a "higher" risk. You rates may or may not go up but you are no longer a "preferred" customer.



Here in Michigan they can raise your rates based on your credit history. (actually, they call it a discount, with the higher the credit rating getting the higher discount) So even if you are claim free and infraction free you will still get charged a higher rate if you have bad credit.


Correct. And as far as I know it's standard practice in all states.

Not here in Oregon. They get one free look at you credit report when you first sign on and of course they have to tell you they are. Some do, some don't. But, they can't go back at look again. Unless you ask them to.



Same here in Texas...........

Re: $%^&*#@ drivers [Re: Hydra747] #889615 06/12/08 05:41 AM
Joined: Oct 2006
Posts: 616
Iron Offline
Rock Warrior
DEFBOY you really need a new insurance company!

My brother just got into a minor parking lot tussle, where the other driver fled the scene (brother has the plate # and witnesses). Had the other driver stuck around it would have been 50/50 blame, but since he fled and it is a hit a run, he is 100% at fault, so not only does he have a warrent out for fleeing the scene of a accident but he's on the hook for the full brunt of the insurance claim. This is direct from the insurance chicks mouth "your rates will not go up if you are involved in a hit and run where the other driver flees the scene, as fleeing the scene is taken as admission of guilt in the accident, your insurance will not be affected as it is the other drivers insurance company that will be paying out"

The only thing that might make your rates go up are if the same insurance comapny insures both drivers, then they might assign blame to both parties so they will both be on the hook for the deductable, so the company cost will be slightly less.


08' Jeep Wrangler
64' Plymouth Sport Fury 383
58' Triumph TR-3A
Re: $%^&*#@ drivers [Re: Iron] #889616 06/12/08 07:29 PM
Joined: Apr 2002
Posts: 1,221
logansportage Offline
Body Damage is Cool
Here they don't get to look at your credit score at all. The financial institution you use gets to so they can decide how much of an interest rate to pin on you, but the insurance company does not get to look at your credit score.

Logansportage <img src="/forums/images/graemlins/patriot.gif" alt="" />


White 1998 4 door KIA Sportage 4x4 w/Eibach 2.5 spring lift and TJ rear coils, 4crawler 1.5 body lift, Monroe Sensa.trac shocks, Bosch 4+ plugs, Eaton LSD, 31x10.5x15 BFG KM tires, 2.5 cat back exhaust w/SpinTech muffler
Re: $%^&*#@ drivers [Re: Iron] #889617 06/14/08 05:45 AM
Joined: Aug 2006
Posts: 598
DEFBOY35 Offline OP
Rock Warrior
thats the problem here mike, as it sits i have to claim it under my insurance company as there is no "other drivers" insurance company to go after. as it is still be investigated as a hit and run.

i hope they get him, because they are also charging him with uttering death threats, which here at least is a serious offense. i would hope it would be everywhere else as well.

currently the hit and run is the least of his worries if they get!


2000 SPORTY, DEF BOY customs, mmm....lockers, mmm... gears, mmm... double transfer case, mmm... stroker
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Re: $%^&*#@ drivers [Re: DEFBOY35] #889618 06/14/08 03:35 PM
Joined: Oct 2006
Posts: 616
Iron Offline
Rock Warrior
Quote
thats the problem here mike, as it sits i have to claim it under my insurance company as there is no "other drivers" insurance company to go after. as it is still be investigated as a hit and run.


The car was stolen, right, so all damages done should be covered by the stolen cars owners insurance, unless it wasn't insured period!


08' Jeep Wrangler
64' Plymouth Sport Fury 383
58' Triumph TR-3A
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