DAVES |
04-26-2021 09:04 AM |
Quote:
Originally Posted by vintageogauge
(Post 1934815)
We have Progressive through The Villages Insurance. I found progressive's pricing to be very competitive and remember when comparing prices the amount of coverage you have for liability and contents contributes to the cost so be sure to compare apples with apples. That being said, I would not recommend The Villages Insurance and will most likely keep progressive but change agents at some point. TV Insurance has very pool customer service, at least with my experiences with the, and many times you have to wait 24 hours or an entire weekend to talk with anyone over there. Most independent agents will get back to you quickly.
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Insurance is interesting. There is no shortage of companies to sell you insurance. If, you have a loss, a claim, only then do you discover how good is what you have been paying for.
My mother worked for an insurance broker. It was amusing to hear about the nonsense claimants would pull. Later, not in Florida, we had a neighbor who was an insurance investigator. Similar tales. At the time, I was into fishing. Some guy put in a claim for
several stolen fishing rods valued at about $100 each complete with a paid receipt for them. Only trouble with the claim is the fact that the store never sold equipment in that price category.
All insurance companies are rated. Auto insurance for example. Your car is totaled.
You are completely innocent, your car was legally parked at the time. The insurance company offers to pay you $$$$$$. You will find you cannot buy the same car you had for that little. Or, again you are completely innocent. Your car is damaged and you have it repaired. Later you go to sell that same car. It is worth less because it has been repaired. You never recover that loss. For that matter you never recover for the time to complete the forms, time on the phone. letters etc. It can and usually does cost you hours.
NO, I've not had a claim in over 25 years. That one my car was legally parked. Someone
decided they could squeeze by I was there at the time. I had a film camera with me-pre cell phones. I got the name phone number from the repair guy who was up on a ladder at the time and was laughing at the stupidity of the driver who hit my car. The company was GEICO. Took them over a year to recover my deductible. I had rental car coverage.
I went through hell to get that money paid and they used this as an excuse to dramatically raise my rate. Some nonsense that due to their error I was paying too little.
I am still amused that they call me trying to sell me insurance. You would not want to be some poor snook calling me to sell me GEICO insurance.
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