Which home insurance??

[Stormin Mormon]

Towtruck. Flatbed. Car missing in a couple minutes, and no one saw anything out of the ordinary.

. Christopher A. Young Learn about Jesus

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[trader4]

When I was in college I had a Fiat Spyder convertible. I considered what you're talking about, which is even worse with a convertible. They can just slice the top. So, I put an alarm in and always left it unlocked. The alarm went off several times over the years, but they never damaged the car.

[trader4]

You still have the alarm to disable. I think the factory and probably aftermarket alarm systems have a tilt sensor in them now.

[Ed Pawlowski]

Spyder was a nifty looking car.

My brother had a Chevy convertible. He lost a $5 pair of sunglasses and a $200 top.

Over the years, I've had my car "opened" a few times. Total loss so far is a quart of oil in the back of my Ghia. Couple of other times the junk in the glove box was on the floor. Other cars on the street had broken windows, pry marks on door frames.

[trader4]

Do you really think one year after paying out billions over Sandy the insurance companies just forget about it? They have to recover that money over many years, somehow. And they know another one could come at any time.

[bud--]

Recently someone posted

which is a list of the 10 worst insurance companies from a trial lawyer group.

Three of the companies advertize heavily on TV All State State Farm Farmers

I have State Farm and have not had problems, but have had very few claims.

[dpb]

...

And, that was a wakeup that the actuarial models they were using weren't adequate to account for largescale common cause events -- they had largely gotten away from the idea to instead treating each insured as an independent event. Works for small or isolated events; when especially multiple large-scale events occur, "not so much". So, with this knowledge the rates will never go back to less-sound actuarially based models.

[micky]

Who says I fell for it? I knew the poster (who is no more likely to be named Chloe than I am) was advertising his own webpage. But convincing people of that is a harder task so I gave a reason easier to convince people of to avoid the page.

[clare]

But that doesn't end up (usually) with the car wrecked and burned in a ditch or gravel pit 30 miles away within a couple of hours.

What got the insurance co going off on a tangent is Pete paid more for the car than they thought it was worth, and less than a year later it's a total loss, and he has both sets of keys, and the insurance settlement would ALMOST pay what he still owed (and he made a pretty good down payment). They were thinking "buyers remorse" and "contract disposal" and "insurance fraud" - and wouldn't even consider any other possibilities.

He loved that car almost as much as my daughter, or his kids. That daughter works in the insurance business - and is capable of giving the offending insurance co some serious grief if she puts her mind to it.

[ng_reader]

It is our goal to provide you with the best resources for getting great home insurance. We pride ourselves in our ability to get the best quotes at the cheapest prices. We know that it is important to you that our services be fast, reliable, and accurate. Each and every day we strive to meet not only your high expectations, but also our own. Our systems are always kept in top-notch shape to provide you with great home insurance quotes. We always keep the customer in mind, and we will work tirelessly to get you the best home insurance that your budget allows. It is our sincere wish that you get the information you need from us, and that you leave our site with at least some piece of information that will lead you to a more secure and safe home insurance buying experience.

[Ed Pawlowski]

But since USENET is non commercial, SPAM postings are not welcome. Reputable companies pay for advertising, sleazy ones look for freebies.

[krw]

I lock the doors on our Mustang, even it we leave it with the top down[*]. ;-)

If the doors are locked with the top down, the trunk-open button doesn't work.

[krw]

I'm not buying that. They're well aware of multiple-loss scenarios. Often companies will stop insuring new business in an area because the potential loss is too big. Perhaps they over-extended but they're well aware of the risk and take it into account constantly.

[philoÂÂ]

Yep...they sent a most disgusting agent to my house. Any company that puts that little care in who they sent out into the field will never get my business.

[philoÂÂ]

Yep...I have had my cars broken into a number of times and they took things like my prescription glasses and parking meter change.

Such idiocy.

[clare]

As I understand it, an "agency" is much like a "franchise". Someone with a little bit of money wants to own their own business and decides on insurance - goes to an insurance company and becomes a salesman for that company and then pays for the opportunity to run their own office

- as an "agent" for that insurance company.

This is different than a "brokerage" where a company must represent, or handle product from, a minimum of 3, or 5, or whatever number of different companies, and they must be licenced and registered with whatever professional association regulates the business in the state or province the operate in. In Ontario a broker must be a member of the Insurance Brokers Association of Ontario (IBAO), and all sales persons and customer service representatives must also be licenced and certified, which involves training and constant upgrading to maintain the licence.

You might get a "disgusting" broker too - but in most brokerages they get weeded out, or the brokerage doesn't last very long. (some "brokerages" are one or two man operations, like many agencies, and some agency offices are quite large - but on the whole , brokerages are larger businesses than agencies)