Posted by oldtanker on August 15, 2012 at 20:39:33 from (66.228.255.239):
In Reply to: Insurance posted by Case e on August 15, 2012 at 13:43:04:
What it boils down to is the laws of your state and the company. For example the laws in Mn are very good for the customer no so for the companies.
In Mn it's illegal for an adjuster to try to low ball the price of a car they want to total to see if the insured will bite on that price. When my son had his car totaled his company sent in an adjuster from out of state (was out of ND) who tried to do just that. When I called him on it he got huffy until I showed my MN independent multi line adjusters license. My son became a believer in "you get what you pay for".
My recommendation for insurance is to find a major carrier with a good reputation and pay the little extra. Can save you big in the long run.
When my wife a hit a deer 2 years ago and our Suburban wasn't drivable I call my agent at 8:30 PM. He met me at the burban about 9:00 PM, had a wrecker there. Had it towed to the shop I chose, had an adjuster there about 10 AM the next morning and it was in the shop that afternoon. He also picked me up at my home and took me to pick up a rental that morning. My agent even got the home office to pay for a larger rental vehicle because of my size and knee and back problems that make getting into and out of a samll car hard. About a week later it was fixed. I payed my deductable to the body shop and turned the rental in. Quick and painless as can be. I also recieved a letter from my company that told me that my rates would not go up because it a deer was "an act of God". I call that good service.
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