OT: Auto Insurance

[Eugene]

My wife was in an accident, both her car and the one she ran into were totaled. Wawanesa paid rather generously for the car and for the rental. They gave us median asking price for a similar car from Autotrader. It was a 5 year old Toyota RAV4 with 80k miles and, IIRC, we got around 11k.

[Raybyrnes]

USAA is very well liked. One negative is that there homeowners policies did not haved a cost of construction increase on them. If you bought youe home 20 years ago and you had no inflation rider, than when you home burns down you are underinsured. Many people have low premiums because they are not fully insuring their homes.

A suggestion would be to schedule an appointment to make sure that your policies are current. Also do yourself a favor and and take digital pictures of everything you got. Put the memory chip in a safety deposit box or give it to a friend. If something happens it is easy for the adjuster to justify the payout.

[Raybyrnes]

USAA is very well liked. One negative is that there homeowners policies did not haved a cost of construction increase on them. If you bought youe home 20 years ago and you had no inflation rider, than when you home burns down you are underinsured. Many people have low premiums because they are not fully insuring their homes.

A suggestion would be to schedule an appointment to make sure that your policies are current. Also do yourself a favor and and take digital pictures of everything you got. Put the memory chip in a safety deposit box or give it to a friend. If something happens it is easy for the adjuster to justify the payout.

[Raybyrnes]

USAA is very well liked. One negative is that there homeowners policies did not haved a cost of construction increase on them. If you bought youe home 20 years ago and you had no inflation rider, than when you home burns down you are underinsured. Many people have low premiums because they are not fully insuring their homes.

A suggestion would be to schedule an appointment to make sure that your policies are current. Also do yourself a favor and and take digital pictures of everything you got. Put the memory chip in a safety deposit box or give it to a friend. If something happens it is easy for the adjuster to justify the payout.

[Raybyrnes]

USAA is very well liked. One negative is that there homeowners policies did not haved a cost of construction increase on them. If you bought youe home 20 years ago and you had no inflation rider, than when you home burns down you are underinsured. Many people have low premiums because they are not fully insuring their homes.

A suggestion would be to schedule an appointment to make sure that your policies are current. Also do yourself a favor and and take digital pictures of everything you got. Put the memory chip in a safety deposit box or give it to a friend. If something happens it is easy for the adjuster to justify the payout.

[Raybyrnes]

USAA is very well liked. One negative is that there homeowners policies did not haved a cost of construction increase on them. If you bought youe home 20 years ago and you had no inflation rider, than when you home burns down you are underinsured. Many people have low premiums because they are not fully insuring their homes.

A suggestion would be to schedule an appointment to make sure that your policies are current. Also do yourself a favor and and take digital pictures of everything you got. Put the memory chip in a safety deposit box or give it to a friend. If something happens it is easy for the adjuster to justify the payout.

[equalizer]

First, get high coverage. With proper coverage USAA is tops, but only offered to Armed forces. AAA is great for homeowners, (also offers auto, umbrella) because they were only company that paid all claims during fires. Remember there were many complaints against Allstate and Statefarm. For what its worth, USAA and Amica (AAA is also rated highest for claims) are rated highest in JD Power ratings for auto and homeowners.

http://www.jdpower.com/insurance/ratings/auto-insurance-provider-ratings

http://www.jdpower.com/Homes/ratings/homeowners-insurance-company-ratings

Know someone that was in car accident caused by Allstate member. Person saw doctor once, wrote a letter stating that elbow pain for 6 months and wanted $6K. The next week, he got check for $5K with NO questions asked. Mercury, meanwhile, is ruthless and strongarms victims in attempting to bribe victims with $500 to sign indemnity forms day after an accident.

[equalizer]

First, get high coverage. With proper coverage USAA is tops, but only offered to Armed forces. AAA is great for homeowners, (also offers auto, umbrella) because they were only company that paid all claims during fires. Remember there were many complaints against Allstate and Statefarm. For what its worth, USAA and Amica (AAA is also rated highest for claims) are rated highest in JD Power ratings for auto and homeowners.

http://www.jdpower.com/insurance/ratings/auto-insurance-provider-ratings

http://www.jdpower.com/Homes/ratings/homeowners-insurance-company-ratings

Know someone that was in car accident caused by Allstate member. Person saw doctor once, wrote a letter stating that elbow pain for 6 months and wanted $6K. The next week, he got check for $5K with NO questions asked. Mercury, meanwhile, is ruthless and strongarms victims in attempting to bribe victims with $500 to sign indemnity forms day after an accident.

[equalizer]

First, get high coverage. With proper coverage USAA is tops, but only offered to Armed forces. AAA is great for homeowners, (also offers auto, umbrella) because they were only company that paid all claims during fires. Remember there were many complaints against Allstate and Statefarm. For what its worth, USAA and Amica (AAA is also rated highest for claims) are rated highest in JD Power ratings for auto and homeowners.

http://www.jdpower.com/insurance/ratings/auto-insurance-provider-ratings

http://www.jdpower.com/Homes/ratings/homeowners-insurance-company-ratings

Know someone that was in car accident caused by Allstate member. Person saw doctor once, wrote a letter stating that elbow pain for 6 months and wanted $6K. The next week, he got check for $5K with NO questions asked. Mercury, meanwhile, is ruthless and strongarms victims in attempting to bribe victims with $500 to sign indemnity forms day after an accident.

[equalizer]

First, get high coverage. With proper coverage USAA is tops, but only offered to Armed forces. AAA is great for homeowners, (also offers auto, umbrella) because they were only company that paid all claims during fires. Remember there were many complaints against Allstate and Statefarm. For what its worth, USAA and Amica (AAA is also rated highest for claims) are rated highest in JD Power ratings for auto and homeowners.

http://www.jdpower.com/insurance/ratings/auto-insurance-provider-ratings

http://www.jdpower.com/Homes/ratings/homeowners-insurance-company-ratings

Know someone that was in car accident caused by Allstate member. Person saw doctor once, wrote a letter stating that elbow pain for 6 months and wanted $6K. The next week, he got check for $5K with NO questions asked. Mercury, meanwhile, is ruthless and strongarms victims in attempting to bribe victims with $500 to sign indemnity forms day after an accident.

[equalizer]

First, get high coverage. With proper coverage USAA is tops, but only offered to Armed forces. AAA is great for homeowners, (also offers auto, umbrella) because they were only company that paid all claims during fires. Remember there were many complaints against Allstate and Statefarm. For what its worth, USAA and Amica (AAA is also rated highest for claims) are rated highest in JD Power ratings for auto and homeowners.

http://www.jdpower.com/insurance/ratings/auto-insurance-provider-ratings

http://www.jdpower.com/Homes/ratings/homeowners-insurance-company-ratings

Know someone that was in car accident caused by Allstate member. Person saw doctor once, wrote a letter stating that elbow pain for 6 months and wanted $6K. The next week, he got check for $5K with NO questions asked. Mercury, meanwhile, is ruthless and strongarms victims in attempting to bribe victims with $500 to sign indemnity forms day after an accident.

[CardiffBaseball]

I have used USAA checking for nearly 8 years now, but because I was enlisted swine I was not eligible for insurance. I’ve been pretty pleased with State Farm, and carried them for 22 years. I am hoping my renters insurance and safe driving stuff keeps me fairly competitive.

I do think that USAA might have changed their policy recently.

[CardiffBaseball]

I have used USAA checking for nearly 8 years now, but because I was enlisted swine I was not eligible for insurance. I’ve been pretty pleased with State Farm, and carried them for 22 years. I am hoping my renters insurance and safe driving stuff keeps me fairly competitive.

I do think that USAA might have changed their policy recently.

[CardiffBaseball]

I have used USAA checking for nearly 8 years now, but because I was enlisted swine I was not eligible for insurance. I’ve been pretty pleased with State Farm, and carried them for 22 years. I am hoping my renters insurance and safe driving stuff keeps me fairly competitive.

I do think that USAA might have changed their policy recently.

[CardiffBaseball]

I have used USAA checking for nearly 8 years now, but because I was enlisted swine I was not eligible for insurance. I’ve been pretty pleased with State Farm, and carried them for 22 years. I am hoping my renters insurance and safe driving stuff keeps me fairly competitive.

I do think that USAA might have changed their policy recently.

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