disturbing Sprint policy facts, learned the hard way

"C Roth" <[email protected]> wrote in message
news[email protected]...
> On Fri, 05 Sep 2003 14:49:33 +0000, Bob Smith wrote:
>
> > Bull**** ... I'm an agent myself and if there's no high frequency of the
> > number of claims on the policy, it won't have an effect on the rates.
>
> I'm an agent as well.
>
> Again, I can only speak for Florida.
>
> While the frequency of claims on a homeowners policy will not directly
> effect the rate with a given company, it may effect what companies you can
> place a risk with. So, in the end if you have a claims history you may
> very well find yourself paying higher premiums because you're stuck with a
> company that charges more.
>
Actually, it is claim frequency that raises eyebrows. Carriers know that
people will have claims. It's the amount of claims that count, and the
reoccurrence of the same type of claims ...

Bob

---

› See More: disturbing Sprint policy facts, learned the hard way

"Justin Green" <[email protected]> wrote in message
news:[email protected]...
>> > >
> > > I've had one no fault accident and my premiums have doubled.
> >
> > Its also a function of what car you drive. A Buick LeSabre gets better
> > rates than a Pontiac Trans/Am.
>
> Well, I drive a Tahoe and I've had it for the past four years. $150/month
> for insurance just on the Tahoe here in Texas. Ridiculous.
>
Just wait till you have kids ... When my 16 yr. old daughter got her
license, and we added a third vehicle to our policy, our premiums jumped
from $1800 year to almost $5000 a year. This last year, it dropped to $4400.

Bob

"Phillipe" <[email protected]> wrote in message
news[email protected]...
> In article <[email protected]>,
> "Justin Green" <[email protected]> wrote:
>
> > Well, I drive a Tahoe and I've had it for the past four years.
$150/month
> > for insurance just on the Tahoe here in Texas. Ridiculous.
>
> In Texas, its rated by the County you live in, also. Move further out in
> the country your rates will go down, even if have a much longer commute.
>
> Another trick - Remove the "M" medical coverage on your car insurance,
> if you have Health Insurance where you work. Its redundant and unneeded.
> Agents always say "But it pays regardles of what other insurance you
> have". Maybe, but if you break a leg and you car insurance pays you for
> setting it, your Health Insurance won't.

Well, that med pay coverage also provides protection for others in the car,
like friends etc., so it is a useful coverage. It also includes funeral
expenses up to what the limit is.

Bob

Phillipe <[email protected]> wrote:
>
> In Texas, its rated by the County you live in, also. Move further out in
> the country your rates will go down, even if have a much longer commute.

It's rated by area anyhow, no matter where you live. They generally do
it by zip code. For example, 44132 (Euclid, Ohio), being in Cuyahoga
County and closer to Cleveland, has a higher theft rate than 44060
(Mentor, Ohio). Therefore, your premiums will be affected if you move,
say, from Euclid to Mentor.

--
JustThe.net Internet & Multimedia Services
22674 Motnocab Road * Apple Valley, CA 92307-1950
Steve Sobol, Proprietor
888.480.4NET (4638) * 248.724.4NET * [email protected]

Phillipe <[email protected]> wrote:

> Another trick - Remove the "M" medical coverage on your car insurance,
> if you have Health Insurance where you work. Its redundant and unneeded.
> Agents always say "But it pays regardles of what other insurance you
> have". Maybe, but if you break a leg and you car insurance pays you for
> setting it, your Health Insurance won't.

I don't believe that's a good idea - IIRC, the medical coverage covers
everyone in the car at the time. I could be wrong...

--
JustThe.net Internet & Multimedia Services
22674 Motnocab Road * Apple Valley, CA 92307-1950
Steve Sobol, Proprietor
888.480.4NET (4638) * 248.724.4NET * [email protected]

Phillipe <[email protected]> wrote:

> Thats what defensive driving courses are for; to keep things from going
> on your record.

First off, State Farm definitely does count traffic violations against you.
*cough*I know from experience*cough*

Second, if you expect to be able to take a defensive driving course and
have a ticket expunged, that may not happen, or you may only be allowed
to do it once, depending on what state you're in.

--
JustThe.net Internet & Multimedia Services
22674 Motnocab Road * Apple Valley, CA 92307-1950
Steve Sobol, Proprietor
888.480.4NET (4638) * 248.724.4NET * [email protected]

Phillipe <[email protected]> wrote in
news[email protected]:

> Thats what defensive driving courses are for; to keep things from
> going on your record.

True, but I've never taken a defensive driving course in my life.

On Fri, 05 Sep 2003 23:58:54 +0000, Bob Smith wrote:

>> Again, I can only speak for Florida.
>>
>> While the frequency of claims on a homeowners policy will not directly
>> effect the rate with a given company, it may effect what companies you
>> can place a risk with. So, in the end if you have a claims history
>> you may very well find yourself paying higher premiums because you're
>> stuck with a company that charges more.
>>
> Actually, it is claim frequency that raises eyebrows.

And, you are disagreeing with me in what way?

> Carriers know that
> people will have claims. It's the amount of claims that count,

My experience suggests otherwise.


> and the
> reoccurrence of the same type of claims ...


And you are disagreeing with me in what way?

As I recall Sprint went down around Tuesday- at least in California.
About the only thing that worked was e-mail. So how can they claim that
your not contacting them soon enough was all your fault?

Scott <[email protected]> wrote in article
<[email protected]>:
>
> I've been with Sprint since 1998, but the events of this week are going to make me
> a FORMER customer.
>
> I'll avoid the whole long story (i330 stolen, Sprint somehow "lost" my request to add
> Lockline when I activated it, so now I'm totally out)... but in the process of talking
> to Customer Service (when I could get through), I learned the following rather surprising
> (to me) policies:
>
>
> 1) *I'm* responsible for all usage of the stolen phone for the first two days (Monday and
> Tuesday) because I 'failed" to notify Sprint before then. Well, given that Customer
> Service was TOTALLY CLOSED on Monday (I tried every backdoor number I've ever
> heard of, but the whole operation was shut down) and ALL Call Centers' systems were
> down most of the day Tuesday, I'm still screwed for that usage despite the fact that I
> called within 90 minutes of the theft.
>
> 2) Even had the insurance coverage been properly reflected on my account, it could take
> a MONTH from the day I submit to them a police report (!) for them to replace my phone, and
> it wouldn't necessarily even BE another i330 (rendering all my accessories useless). I
> could hardly afford to be without a phone that long, and I suspect few could.
>
> 3) my fallback for the moment is to use ny old Neopoint in the meantime. Despite having tried
> to activate on the web site first, I'm getting charged a $36 activation fee BOTH when I
> activate the Neopoint to use while waiting for a replacement AND AGAIN when I activate
> the replacement. These fees would also apply even if I'd HAD the insurance coverage
> reflected properly on the account.
>
> 4) I couldn't even add insurance coverage on whatever subsequent phone I get without
> incurring a NEW 1-year Advantage agreement commitment.
>
>
> Now, all the above was verified with a "supervisor". If anybody has referenceable information
> that any of the above is NOT standard procedure, I'd sure like to hear details.
>
>

[posted via phonescoop.com - free web access to the alt.cellular groups]

> On Fri, 05 Sep 2003 23:58:54 +0000, Bob Smith wrote:
>
> >> Again, I can only speak for Florida.
> >>
> >> While the frequency of claims on a homeowners policy will not directly
> >> effect the rate with a given company, it may effect what companies you
> >> can place a risk with. So, in the end if you have a claims history
> >> you may very well find yourself paying higher premiums because you're
> >> stuck with a company that charges more.
> >>
> > Actually, it is claim frequency that raises eyebrows.


In Texas, one mold claim got folks cancelled.

"Bob Smith" <[email protected]> wrote in message
news[email protected]...
>
> "Justin Green" <[email protected]> wrote in message
> news:[email protected]...
> >> > >
> > > > I've had one no fault accident and my premiums have doubled.
> > >
> > > Its also a function of what car you drive. A Buick LeSabre gets better
> > > rates than a Pontiac Trans/Am.
> >
> > Well, I drive a Tahoe and I've had it for the past four years.
$150/month
> > for insurance just on the Tahoe here in Texas. Ridiculous.
> >
> Just wait till you have kids ... When my 16 yr. old daughter got her
> license, and we added a third vehicle to our policy, our premiums jumped
> from $1800 year to almost $5000 a year. This last year, it dropped to
$4400.
>
> Bob

Ouch.

"Phillipe" <[email protected]> wrote in message
news[email protected]...
>
>
> > On Fri, 05 Sep 2003 23:58:54 +0000, Bob Smith wrote:
> >
> > >> Again, I can only speak for Florida.
> > >>
> > >> While the frequency of claims on a homeowners policy will not
directly
> > >> effect the rate with a given company, it may effect what companies
you
> > >> can place a risk with. So, in the end if you have a claims history
> > >> you may very well find yourself paying higher premiums because you're
> > >> stuck with a company that charges more.
> > >>
> > > Actually, it is claim frequency that raises eyebrows.
>
>
> In Texas, one mold claim got folks cancelled.

I never understood why mold coverage wasn't just made optional.

In article <[email protected]>,
"Justin Green" <[email protected]> wrote:

>
>
>
> "Phillipe" <[email protected]> wrote in message
> news[email protected]...
> >
> >
> > > On Fri, 05 Sep 2003 23:58:54 +0000, Bob Smith wrote:
> > >
> > > >> Again, I can only speak for Florida.
> > > >>
> > > >> While the frequency of claims on a homeowners policy will not
> directly
> > > >> effect the rate with a given company, it may effect what companies
> you
> > > >> can place a risk with. So, in the end if you have a claims history
> > > >> you may very well find yourself paying higher premiums because you're
> > > >> stuck with a company that charges more.
> > > >>
> > > > Actually, it is claim frequency that raises eyebrows.
> >
> >
> > In Texas, one mold claim got folks cancelled.
>
> I never understood why mold coverage wasn't just made optional.


It is now, for a 50%+ hike in permium.

In article <[email protected]>,
"Justin Green" <[email protected]> wrote:

>
> "Bob Smith" <[email protected]> wrote in message
> news[email protected]...
> >
> > "Justin Green" <[email protected]> wrote in message
> > news:[email protected]...
> > >> > >
> > > > > I've had one no fault accident and my premiums have doubled.
> > > >
> > > > Its also a function of what car you drive. A Buick LeSabre gets better
> > > > rates than a Pontiac Trans/Am.
> > >
> > > Well, I drive a Tahoe and I've had it for the past four years.
> $150/month
> > > for insurance just on the Tahoe here in Texas. Ridiculous.
> > >
> > Just wait till you have kids ... When my 16 yr. old daughter got her
> > license, and we added a third vehicle to our policy, our premiums jumped
> > from $1800 year to almost $5000 a year. This last year, it dropped to
> $4400.
> >
> > Bob
>
> Ouch.

The simple solution is to give a 16 year a car.
Our premium went up by 25% when we didnt add a car because child was on
policy.
I know many people that said to their teenager, I'll buy you a car,
you pay for gas and insurance.
When I was a college professor, all too often I saw that when a student
got a car, their grades dropped one full letter.
Cars took too much of their time away from studying.

My children did not have a car when in college, but did have 3.84 grade
point averages, and managed to graduate Phi beta Kappa.

I second the B.S.

Plus most home owner's and even renter's insurance policies have options to
add on specialy riders that cover smaller items such as cell phones which
I've seen quoted as cheap as $1/month with no deductable.


"Richard Zellmer" <[email protected]> wrote in message
news:[email protected]...
> Yes but filing an insurance claim for a $300 phone is a stupid idea. It
> puts a record in the C.L.U.E database which is like your credit report but
> for insurance. If you file a $300 phone claim it will cost you thousands
> later in higher fees.
>
>
>
>
> "Bob Smith" <[email protected]> wrote in message
> news:[email protected]...
> >
> > "Thomas T. Veldhouse" <[email protected]> wrote in message
> > news:[email protected]...
> > >
> > > "Bob Smith" <[email protected]> wrote in message
> > > news:[email protected]...
> > > >
> > > > Do you have Homeowner's or Renter's insurance coverage? Your phone
> could
> > > be
> > > > covered through one of those coverages if you have it.
> > > >
> > >
> > > While it may be covered, the deductible on even the best policies
nearly
> > > wipes out the claim. Further, making a claim on your home these days
> puts
> > a
> > > BIG mark on your insurance record that they don't forgive until you
have
> > > sold them your soul and then some. So .... I wouldn't try that.
> > >
> > > Tom Veldhouse
> >
> > Not true Tom ... and as for the deductible, many homeowner & renter
> policies
> > still have a $100 deductible.
> >
> > Bob
> >
> >
>
>