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Old 10-11-2004, 02:00 AM   #1 (permalink)
 
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Default Ask teh Insurance guy anything

With the myriad of questions popping up here and there, I decided to make this thread. We can put everything in here, and then direct the noobs as such.

I am an office manager in my families inusrance agency. I know just about everything there is to know about insuring a car in California (which is practically the same as the other 49 states)


Post your questions here and I will answer them. If I can't answer them, I'll do my best to find out.
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Old 10-12-2004, 03:39 PM   #2 (permalink)
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Where is the absolute cheapest place to get full coverage for an 18 year old with a terrible driving record in California?
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Old 10-12-2004, 03:49 PM   #3 (permalink)
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Why can insurance companies discriminate by gender and age, but not anyone else?

Sorry had to
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I had a couple on the aircrafts i worked on. It helped keep the boundry layer down on the wing to aid in lift. I dont think you really need it on a neon.

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Old 10-12-2004, 03:58 PM   #4 (permalink)
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if i take out the bumper crash beam to put in a big IC... and get in a wreck, can they possibly say something about that?

also , what happens if i want to change the st. wheel in the longrun to a momo, which has no airbag? what can they do?
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Old 10-12-2004, 04:39 PM   #5 (permalink)
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What's the name of your agency? You can PM with the answer if you'd like.
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Old 10-12-2004, 05:10 PM   #6 (permalink)
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just like my company,, you ask them a question, and the never answer
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Old 10-12-2004, 05:18 PM   #7 (permalink)
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all excellent questions, i want to see answers to all of them
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Old 10-12-2004, 06:36 PM   #8 (permalink)
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Ok here's a good one Mr. Insurance.Guy.

Which car is at fault, and what % are faults?
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Old 10-12-2004, 06:40 PM   #9 (permalink)
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Quote: Originally Posted by Felix
Ok here's a good one Mr. Insurance.Guy.

Which car is at fault, and what % are faults?

Driver 1 is at fault. Even if Driver 2 Ran a red light you cannot hit a car that is already in the intersection. Driver 1 should have yielded to Driver 2
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Old 10-12-2004, 06:44 PM   #10 (permalink)
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Quote: Originally Posted by chubz
Driver 2 is at fault. Even if Driver 1 Ran a red light you cannot hit a car that is already in the intersection. Driver 1 should have yielded to Driver 2

Confusing.... Driver 2 is at fault but Driver 1 should have yeilded to driver 2...
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Old 10-12-2004, 06:46 PM   #11 (permalink)
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Quote: Originally Posted by aherrij
Why can insurance companies discriminate by gender and age, but not anyone else?

Sorry had to

I dont know about gender but age has nothing to do with it. Insurance companies can not discriminate based on age but they can base your premium off of your experience.

You can get your license at what 15 and a half. So at 18 you only have 2 and a half years experience on the road (you are a risk). Now at 25 thats 9 and a half years experience. Much cheaper.

I do think they dicriminate against men when it comes to price though, but statistically MEN are more likly to drive drunk than woman and between 18-25 so they can make our shit cost more.
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Old 10-12-2004, 06:50 PM   #12 (permalink)
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Quote: Originally Posted by Felix
Confusing.... Driver 2 is at fault but Driver 1 should have yeilded to driver 2...

Yeah when you are taught drivers ED. It states straight through traffic has the right of way, left turns have to yield. But in this case if a person is already in the intersection they can't yield to you anymore so you must yield.

Little lesson I picked up when the same thing happened to me. Except I KNOW my light was green and the woman blew through the red light and hit my car (got three witnesess to prove it ). I was making the same left hand turn except I was 85% through the intersection when she hit me.
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Old 10-12-2004, 06:54 PM   #13 (permalink)
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Quote: Originally Posted by chubz
Yeah when you are taught drivers ED. It states straight through traffic has the right of way, left turns have to yield. But in this case if a person is already in the intersection they can't yield to you anymore so you must yield.

Little lesson I picked up when the same thing happened to me. Except I KNOW my light was green and the woman blew through the red light and hit my car (got three witnesess to prove it ). I was making the same left hand turn except I was 85% through the intersection when she hit me.

Sorry, what your saying basically means Driver 1 was at fault, not Driver 2. Your basically saying because Driver 2 was already in the intersection, Driver 1 must yeild, which Driver 1 didn't do... which would make Driver 1 at fault.

The stories were conflicting so you just have to look at the facts, if it was an open intersection, who would be at fault. Driver 2, but from the looks of it, Driver 2 was nearly through the intersection when Driver 1 went through...
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Old 10-12-2004, 07:02 PM   #14 (permalink)
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Quote: Originally Posted by Felix
Sorry, what your saying basically means Driver 1 was at fault, not Driver 2. Your basically saying because Driver 2 was already in the intersection, Driver 1 must yeild, which Driver 1 didn't do... which would make Driver 1 at fault.

The stories were conflicting so you just have to look at the facts, if it was an open intersection, who would be at fault. Driver 2, but from the looks of it, Driver 2 was nearly through the intersection when Driver 1 went through...

I thought Driver 1 was making the Turn? Whoever made the turn had the rightaway and was not at fault.

Hahaha I re-read my first post Yes Driver 1 was at fault I mixed my shit up
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Old 10-12-2004, 07:07 PM   #15 (permalink)
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Quote: Originally Posted by chubz
I thought Driver 1 was making the Turn? Whoever made the turn had the rightaway and was not at fault.

Nope, the car doing straight has a number 1 on it and the car turning has a 2 on it. So I have to ask, if your turning through a highway ( some highways have streets off of them ) and you turn with plenty of time but the person going straight hits you, they are in the wrong? They have the right away, not the person turning. I must say I agree with you that Driver 1 is at fault, Drive 2 didn't have any skidmarks, where as Driver 1 left 7 feet of skidmarks on a wet road. Granted the drawings are an approximate from the officer, it's the only facts you have to base anything from.
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