Insurance, one at fault collision

[Cos]

.

[relyt92]

.

[ToXicXxX]

Do they not have forgiveness?

[Cos]

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[Thaco]

you say the damage is around $1500, and you're thinking an increase of $600/yr, if that's where it ends up, it seems like a no brainer to me, if you have the upfront cash, just keep it away from insurance... you'll end up paying 3x more over the 6 years

regardless of how much it goes up, for $1500, i don't think it's worth it.

[rage2]

Originally posted by Cos
Is that actually reasonable? It isn't like a small herd of children was run over. Just looking for some peoples personal experience.
To be fair, if he ran over a small herd of children, the insurance increase would be the same, and it would be a smokin' deal. Car insurance is just a form of socialism. ;)

[jacky4566]

AMA sucks btw. Always seem to have the highest quotes. Maybe MaskedBandit can chime in?

[lilmira]

How about the cost for rental? I wouldn't want to pay for rental or be without a vehicle during the time if I'm not at fault. The insurance will cover that. Make sure they include everything before making the decision.

[killramos]

Yea it might be time to shop around for insurance and cancel your policy after the claim?

[Cos]

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[Thaco]

Originally posted by Cos



He's my broker actually, I emailed him at 7:30 last night so we will see what he has to say. I am far from his biggest priority I imagine.



i talked to him a couple days ago, he's on vacation til monday, i called and talked to Darren though, he was really good, gave me all the info i needed, i'd assume he could help you as well.

[Thaco]

Originally posted by Cos



Yeah absolutely, that is sort of the worry. Apparently the lady my wife hit was 79,000 years old. So I am sort of worried about dealing with this on the side and her going to insurance anyways for health related stuff. The accident was literally 2km/h but you never know. I guess she pulled up behind my wife on 24th Ave and blocked the turn on Center Street. Wife had to back up a foot to get out of her stall to turn and the lady parked right behind her at the same time.

if they were both moving it should be 50/50?

[Mibz]

I can almost guarantee they have forgiveness because it's a tactic by most companies to keep you around. It basically means you're forced to stay with them for the next 6 years unless you want your rates to skyrocket, because a new company won't forgive an old accident. Having a low paying customer for 6 years is better than a high paying customer for 0 years.

Not saying I encourage using the forgiveness, just that I'm pretty sure everybody has it these days.

[Cos]

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[rage2]

Originally posted by Mibz
I can almost guarantee they have forgiveness because it's a tactic by most companies to keep you around.
If it's TD, their accident forgiveness is an addon to each individual policy. It's like $1 a month, but it's still an addon.

[Cos]

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[Brent.ff]

Originally posted by Cos


We're screwed.

https://www.calgarytransit.com/fares-passes

[Cos]

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[ercchry]

probably just get a new wife, cheaper :rofl:

[Cos]

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[ercchry]

Originally posted by Cos


I wonder if spit-roast is available

well adding her to instagram was a good first step in the transition, both for losing the current wife and gaining the new one :poosie:

[Brent.ff]

Originally posted by Cos


Live in Airdrie, one commutes to Langdon and one commutes to Cochrane/Airdrie. Hahaha

https://www.greyhound.ca/en/locations/terminal.aspx?city=724344


sorry. I'll stop!

[Cos]

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[Mitsu3000gt]

Almost every policy has accident forgiveness I believe, make sure you don't have it before going too far.

It sucks either way but if the increase X years increase is in effect is less than the repair, do that. If it's more, pay for the repair and don't go through insurance.

I think MB is on vacation, so if you don't hear back that's probably why.

EDIT: Just noticed you had accident forgiveness.

[lilmira]

I'll sell you a bicycle lol.

[xnvy]

http://www.scooternews.nl/wp-content/uploads/2012/12/ScooternewsNL_Piaggio_Zip_50_4T.jpg
:dunno:

Haha sorry. I just wanted to join in.

[Xtrema]

Turn off AC to punish her.

Keep a portable one for yourself.