| SlowAzzPorsche911T |
I use the term "high risk" very loosely of course, I have one speeding ticket from Jan '02 and a I have a 4-demerit (not the major 6 demerit) stunting ticket from August of '02. I got a quote from insurance, as being 21 (which happens in a month) with one speeding ticket and my experience and I was quoted 2100 with comp. now I just mentioned the stunting ticket to see the jump, it went from 2100 to SEVEN THOUSAND $7000!
Where's the justice in that? I'm stuck in the facility market now til this ticket goes away and that's rediculous. So anyhow... where do all you high risk guys go for insurance? I've called Insurance Companies from A-E so far in the phone book.. every one, they're either not taking on new clients, won't take me cause of my oh so dangerous record *sarcasm* or I get 6000 to 7000.
I was told by my old insurance company that this is a minor ticket so here I go and buy a summer car and am ready to do her all up and I call for insurance and get hit with a brick in the face, short of insuring it a girlfriends name or my parents.. and driving it, what can I do and where can I go? |
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| Insomniac |
| The 2 major high risk companies are Pembridge (a division of Allstate) and Kingsway General. |
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| TrevorK |
quote:
Originally posted by SlowAzzPorsche911T
I use the term "high risk" very loosely of course, I have one speeding ticket from Jan '02 and a I have a 4-demerit (not the major 6 demerit) stunting ticket from August of '02. I got a quote from insurance, as being 21 (which happens in a month) with one speeding ticket and my experience and I was quoted 2100 with comp. now I just mentioned the stunting ticket to see the jump, it went from 2100 to SEVEN THOUSAND $7000!
Where's the justice in that? I'm stuck in the facility market now til this ticket goes away and that's rediculous. So anyhow... where do all you high risk guys go for insurance? I've called Insurance Companies from A-E so far in the phone book.. every one, they're either not taking on new clients, won't take me cause of my oh so dangerous record *sarcasm* or I get 6000 to 7000.
I was told by my old insurance company that this is a minor ticket so here I go and buy a summer car and am ready to do her all up and I call for insurance and get hit with a brick in the face, short of insuring it a girlfriends name or my parents.. and driving it, what can I do and where can I go?
Awww....You got caught racing, and now you think that your insurance going up is unfair? That's just too bad.
Guess what? You are a high risk driver. The way they see it - if you got caught racing, imagine how many times you DIDN'T get caught.
Suck it up and accept your punishment - that's what you get. You made a mistake, and now you'll have to pay for it (Until government insurance goes through - it's meant to help drivers like you who have high demerits and are labelled high risk by raising the rates of people like me).
If you insure it under your parents/girlfriend and drive it yourself, you're just asking for punishment if you get into an accident. You realize if you lie on your policy by claiming you're an "occasional driver" (essentially insurance fraud) they can void your policy, and chances are IF you can find insurance again, $7000 will be the cheapest quote.
Read up in the "Speak to law enforcement" section about a guy who got caught driving without insurance, got into an accident, and got sued for over $100,000. That could easily be you if you lie about your driving status.
I know I'm coming off like a prick, but you made the choices you did in the past to create this situation and now you have to live with them (Unless you commit insurance fraud, then you can get away without paying the consequences of your choices).
As for an insurance company - I was always under the impression Morgex was the one that insured all the drunk drivers, etc....Do you parents have a company that they go through because of an employer? That might also work.... |
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| MeXx |
quote:
Originally posted by TrevorK
Awww....You got caught racing, and now you think that your insurance going up is unfair? That's just too bad.
Guess what? You are a high risk driver. The way they see it - if you got caught racing, imagine how many times you DIDN'T get caught.
Suck it up and accept your punishment - that's what you get. You made a mistake, and now you'll have to pay for it (Until government insurance goes through - it's meant to help drivers like you who have high demerits and are labelled high risk by raising the rates of people like me).
If you insure it under your parents/girlfriend and drive it yourself, you're just asking for punishment if you get into an accident. You realize if you lie on your policy by claiming you're an "occasional driver" (essentially insurance fraud) they can void your policy, and chances are IF you can find insurance again, $7000 will be the cheapest quote.
Read up in the "Speak to law enforcement" section about a guy who got caught driving without insurance, got into an accident, and got sued for over $100,000. That could easily be you if you lie about your driving status.
I know I'm coming off like a prick, but you made the choices you did in the past to create this situation and now you have to live with them (Unless you commit insurance fraud, then you can get away without paying the consequences of your choices).
As for an insurance company - I was always under the impression Morgex was the one that insured all the drunk drivers, etc....Do you parents have a company that they go through because of an employer? That might also work....
christ what is peoples problem on this site hes just asking a fing question and he needs some help. Like why do you have to be such a flamer. And may i quote thoughs who have not sined may cast the first stone. |
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| TrevorK |
quote:
Originally posted by MeXx
christ what is peoples problem on this site hes just asking a fing question and he needs some help. Like why do you have to be such a flamer. And may i quote thoughs who have not sined may cast the first stone.
I gave him my opinion first on why he's being labelled a "high risk" driver, then actually some help at the end if you would have bothered to read the whole post.
Why do I hate this? Because this is why my insurance will go up when the government steps in. |
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| Nis240 |
quote:
Originally posted by MeXx
christ what is peoples problem on this site hes just asking a fing question and he needs some help. Like why do you have to be such a flamer. And may i quote thoughs who have not sined may cast the first stone.
The people on the board can speak this way and flame because they have never done ANYTHING stupid with their cars on the street (That they have been caught for). |
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| Flex |
When you become a high risk driver you get moved over to whats called facility. Its run by the government so that the insurance companies can't totally rape you on the price (not they don't now) Most insurance companies deal with facility. As I guess its a persons right to be able to get insurance so the government has to have this facility for such drivers.
I have been going thru a situation like this with my sport bike. I have never had a claim with it, nor do I have any tickets or accidents and Im over 30. But alot of companies are choosing not to insure sportbikes anymore so they are automatically moved over to facility, so my insurance will almost triple by going thru them. And Im not a high risk driver I choose to drive a high risk vehicle......which in my eyes is BS....why should I be punished for others misuse of a motorcycle.
Also I just got off the phone with my insurance company and the agent was telling me about the facility so thats where I got the above information.
And I guess if thats the way the insurance companies are going to play it then I have a choice........pay the rates to ride or sell my bike. So if you have called all around and get the same answer you basically have the same choice to make, you did the crime and now you gotta do the time.......choose whether to pay and drive or walk....shitty choice but what can you do. |
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| Xpnsve |
I think everyone on this board is guilty of stunting on the street at least once in their lives, hell, squealing your tires is considered stunting, so give the guy a break.. Although it does look pretty bad with all the speeding tickets tacked on there too..
Good luck with the insurance though. |
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| TrevorK |
quote:
Originally posted by Xpnsve
I think everyone on this board is guilty of stunting on the street at least once in their lives, hell, squealing your tires is considered stunting, so give the guy a break.. Although it does look pretty bad with all the speeding tickets tacked on there too..
Good luck with the insurance though.
If I recall right, he wasn't caught for stunting.....
Anything is stunting really - even honking your horn is stunting. |
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| Xpnsve |
quote:
Originally posted by Flex
When you become a high risk driver you get moved over to whats called facility. Its run by the government so that the insurance companies can't totally rape you on the price (not they don't now) Most insurance companies deal with facility. As I guess its a persons right to be able to get insurance so the government has to have this facility for such drivers.
I have been going thru a situation like this with my sport bike. I have never had a claim with it, nor do I have any tickets or accidents and Im over 30. But alot of companies are choosing not to insure sportbikes anymore so they are automatically moved over to facility, so my insurance will almost triple by going thru them. And Im not a high risk driver I choose to drive a high risk vehicle......which in my eyes is BS....why should I be punished for others misuse of a motorcycle.
Also I just got off the phone with my insurance company and the agent was telling me about the facility so thats where I got the above information.
And I guess if thats the way the insurance companies are going to play it then I have a choice........pay the rates to ride or sell my bike. So if you have called all around and get the same answer you basically have the same choice to make, you did the crime and now you gotta do the time.......choose whether to pay and drive or walk....shitty choice but what can you do.
Thats another reason we need to De-Privatize |
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| Flex |
quote:
Originally posted by TrevorK
If I recall right, he wasn't caught for stunting.....
Anything is stunting really - even honking your horn is stunting.
he said it was a 4 demerit stunting ticket, which could me an anything. And a racing ticket is just that....it says on the ticket its for racing.
I'm not condeming the guy or giving him shit. Im just saying theres not a whole pile you can do if that what they class you as. On my driving record I have the highest rating, but because I choose to ride a sportbike Im lumped in the general mass......and nothing I can do about it. |
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| TrevorK |
quote:
Originally posted by Xpnsve
Thats another reason we need to De-Privatize
Why?
There are obviously statistics to prove that sport bikes are a high risk.
Why should I pay more premiums for my policy so a kid riding a 10 second crotch rocket should pay less, when statistics show he is likely to get into an accident/make a claim? |
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| Flex |
quote:
Originally posted by TrevorK
Why?
There are obviously statistics to prove that sport bikes are a high risk.
Why should I pay more premiums for my policy so a kid riding a 10 second crotch rocket should pay less, when statistics show he is likely to get into an accident/make a claim?
any vehicle in the hands of an idiot is high risk. On a motorcycle if you ride like an idiot you likely only to kill yourself.
Any you already are paying higher rates because of the acts of others. |
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| JeffZ28 |
quote:
Originally posted by TrevorK
Why?
There are obviously statistics to prove that sport bikes are a high risk.
Why should I pay more premiums for my policy so a kid riding a 10 second crotch rocket should pay less, when statistics show he is likely to get into an accident/make a claim?
lots of people dont realize that the insurance really doesnt care about paying for hte car, or the bike.
but the lawsuit and the hospital bills can get outragious real fast, and bikes have proven time and time again to be vey costly in ingury part of the claim. |
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| Xpnsve |
quote:
Originally posted by TrevorK
Why?
There are obviously statistics to prove that sport bikes are a high risk.
Why should I pay more premiums for my policy so a kid riding a 10 second crotch rocket should pay less, when statistics show he is likely to get into an accident/make a claim?
I don't think you understand the public system. Right now your paying more for the kid riding a 10 second crotch rocket under a private system.
In a public system, your rates are based on YOUR driving record and everyone starts out equal and there is not discrimination.
You gots it backwards :D
But thanks for making my point. |
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| TrevorK |
quote:
Originally posted by Xpnsve
I don't think you understand the public system. Right now your paying more for the kid riding a 10 second crotch rocket under a private system.
In a public system, your rates are based on YOUR driving record and everyone starts out equal and there is not discrimination.
You gots it backwards :D
But thanks for making my point.
I don't think you understand how the public system would work with private companies in comparison to how it is functioning now, so I will explain it to you.
("They" refers to gov't and insurance companies)
They will need to decide a base rate, at which they will not lose money. In order to lower the rates of certain drivers, rates of other drivers will need to rise. The system has to be profitable for them - at the very least it has to be self sufficient.
And according to the figures posted (And no, they did not pull them out of their asses, they actually figured it out) earlier in the year, most drivers who get good deals (older experienced drivers, etc...) will actually see a rate increase since they are paying so little. While the "high risk" drivers get a decrease.
Your rates are based on your driving record, however there is also a base premium that is set based on EVERYONE'S driving record (I believe they are proposing 1800, and you get discounts from that, up to 65% off).
To assume some people's rates won't increase is absurd. I'm not arguing a lot won't go down; they will. But there will also be those that go up, and I am most likely one of them.
Thank you for helping me show how some people will be getting screwed over by public insurance, while some will be helped.
If you disagree with anything I have posted, why don't you enlighten me as to how they will come about with determining the "base rate". Let's make this a logical discussion, not a rally. |
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| Xpnsve |
quote:
Originally posted by TrevorK
I don't think you understand how the public system would work with private companies in comparison to how it is functioning now, so I will explain it to you.
("They" refers to gov't and insurance companies)
They will need to decide a base rate, at which they will not lose money. In order to lower the rates of certain drivers, rates of other drivers will need to rise. The system has to be profitable for them - at the very least it has to be self sufficient.
And according to the figures posted (And no, they did not pull them out of their asses, they actually figured it out) earlier in the year, most drivers who get good deals (older experienced drivers, etc...) will actually see a rate increase since they are paying so little. While the "high risk" drivers get a decrease.
Your rates are based on your driving record, however there is also a base premium that is set based on EVERYONE'S driving record (I believe they are proposing 1800, and you get discounts from that, up to 65% off).
To assume some people's rates won't increase is absurd. I'm not arguing a lot won't go down; they will. But there will also be those that go up, and I am most likely one of them.
Thank you for helping me show how some people will be getting screwed over by public insurance, while some will be helped.
If you disagree with anything I have posted, why don't you enlighten me as to how they will come about with determining the "base rate". Let's make this a logical discussion, not a rally.
You've done your homework :bthumbup:
I don't know how they would calculate the base rate, but public insurance would operate self sufficiently only.
More established people might see a slight increase, but on the flipside, their kids and everyone else's kids won't be discriminated against and RAPED by rates that the parent usually has to cover anyways. You also won't have to put your 16yr old on your insurance or have any responsability to they're insurance.
You can see by Kevin Taft's actions in the Legislature, public insurance is indeed cheaper for a family, even with a well established driver. Written in the edmonton journal and reproduced on my site below are some of the quotes expressing this;
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"Challanged by the premier to prove he can get cheaper auto insurance outside Alberta, Liberal Leader Kevin Taft claimed Thursday to have done just that, arguing public insurance would save families like his thousands of dollars each year.
Taft says Klein dared him this week to prove that his family could find cheaper premiums through the public auto insurance systems in the three other western provinces.
A legislature transcript shows Klein challenged both Taft and Mason on Tuesday to table their insurance rates for comparison to public insurance systems.
Taft announced Thursday that research shows he and his whife would save between $1,290 and $2,090 by using public systems. The family owns two cars and pays $3,929 per year to insure them. One of their sons is listed as an occasional driver.
The Liberal leader said under the B.C. public system he could insure both cars for $2,639, in Manitoba it would cost $1,999, and in saskatchewan, $1,859.
"Public auto insurance could potentially save countless Albertans like me thousands of dollars every year," Taft said. "We've said all along, that public auto insurance is the best deal for Albertans. Here's the proof the premier wanted. What more does the premier want before he gives us public auto insurance?"
Klein flatly rejected the idea.
"No, we don't plan to go to socialized insurance like they have in Saskatchewan, the kind of insurance the Liberals so adore," he said.
Later, Klein announced that Tory researchers had found Taft a private deal in Alberta that would knock $1,200 off his insuranace premiums. Even that figure was considerably higher than the quote Taft said he was given by public insurance companies in Manitoba and Saskatchewan."
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| TrevorK |
quote:
Originally posted by Xpnsve
[B]You've done your homework :bthumbup:
I don't know how they would calculate the base rate, but public insurance would operate self sufficiently only.
More established people might see a slight increase, but on the flipside, their kids and everyone else's kids won't be discriminated against and RAPED by rates that the parent usually has to cover anyways. You also won't have to put your 16yr old on your insurance or have any responsability to they're insurance.
You can see by Kevin Taft's actions in the Legislature, public insurance is indeed cheaper for a family, even with a well established driver. Written in the edmonton journal and reproduced on my site below are some of the quotes expressing this;
(Clipped article to save space)
Might see an increase? I think we can both agree, people will see an increase (Unless the insurance companies decide to be nice and let them keep the lower rate of course, that's a variable no one can speculate on).
You can't compare Alberta to Sask - Sask has no fault (A whole other can of worms here - let's not go here). Compare Alberta to BC, two fairly equal systems just with one being private and one being public. Once you do that, the rates are the same according to you (Klein said he could shave 1200 off of Taft's current rates, which makes it equal pretty much).
So already we are equal to BC, which is private insurance. And since I'm already paying less than a person in BC, I can conclude my insurance will most likely go up as well. Which means I get shafted, so people who feel the need to drive recklessly get a handout.
My buddy paid 2400/year when he was 16 to drive. Ya know what? I'd want my kid to pay the same. Having a car is a responsibility, not a right. And most kids honestly aren't ready for it. (And yes, you can get insurance for 2400/year at 16 still since my friends younger sister got it). |
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| Xpnsve |
quote:
Originally posted by TrevorK
Might see an increase? I think we can both agree, people will see an increase (Unless the insurance companies decide to be nice and let them keep the lower rate of course, that's a variable no one can speculate on).
Your right.
quote:
You can't compare Alberta to Sask - Sask has no fault (A whole other can of worms here - let's not go here). Compare Alberta to BC, two fairly equal systems just with one being private and one being public. Once you do that, the rates are the same according to you (Klein said he could shave 1200 off of Taft's current rates, which makes it equal pretty much).
I can compare Alberta to Sask because a public plan has not yet been submitted, so who's to say we couldn't have one like Sask?
Also, B.C. Insurance IS MUCH cheaper than here. I know first hand because I know people in B.C. and they pay about $120/month as a fresh driver. Compare that to 3-4k or more/year here.
quote:
So already we are equal to BC, which is private insurance. And since I'm already paying less than a person in BC, I can conclude my insurance will most likely go up as well. Which means I get shafted, so people who feel the need to drive recklessly get a handout.
This is also assumption. Peoples rates are based on they're individual records, so reckless drivers WILL NOT be getting a handout.
quote:
My buddy paid 2400/year when he was 16 to drive. Ya know what? I'd want my kid to pay the same. Having a car is a responsibility, not a right. And most kids honestly aren't ready for it. (And yes, you can get insurance for 2400/year at 16 still since my friends younger sister got it).
You show me today where a 16yr old can pay 2400/year. That is simply not possible in Alberta. Oh, and since your 16yr old who signs a contract with your name on it will be trying to pay 4-5k/year... I'd like to see your face when collections comes after you after cutting off your whole family for the mistakes of your son (speeding tickets etc..)
Insurance rates have skyrocketed in the past 2 years not solely due to drivers and claims. That is only smoke and mirrors. They went up primarily because insurance companies lost invested money from 9/11. That is fact.
By and large, public auto insurance is the answer in alberta. You can argue to high heaven about it, you can dismiss the petition, but by doing that, you're only dodging the issue and passing blame. |
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| SlowAzzPorsche911T |
i'm 21 soon, i've had 5yrs driving experience, 5 yrs licensed, for me I didn't get surcharged one bit for my stunting ticket on my motorcycle insurance for that, i pay $236/yr for everything but collision. Yes the stunting ticket was racing, I was one of the Villeneuve 9 caught out at the airport. I don't see why, with my record which is impeccable besides that, and my age/experience, that I should now be thrown back into facility even though I'm 21? I've been waiting 5 yrs to get into a different market and now they decide to hit me with it. I'm not complaining, I was simply explaining my situation and asking if anyone else was in my boots.. and had reccomendations.
And 90% of the people on here are guilty of some sort of stunting, burning doughnuts in winter, talking between cars at a red light, revvin your engine, even racing light to light, which you can justify, equally as unsafe as the 9 of us out on an abandoned newly paved road off of a major highway that was well-lit, so really are the 9 of us that bad? Most insurance companies don't recognize the 3 levels of stunting, 4, 7, and 9 demerits. I got a 4 because I pleaded to the crown and he must've been in a good mood!
Speeding tickets mean nothing, they're a 5% surcharge, most companies don't even consider them when tallying a premium unless you have 3+, the 4th is a 15-25% increase. For those of you that are in the same boots of me, also try ING... they quoted me $5100 with an accident.. but that accident isn't on my record as of my 21st b-day so really.. that's 4500 with a stunting ticket.. not too damn shabby
When I first got my Jag I was paying 4600/yr for 1 mil. liablilty, 500 ded. on comp... no collision, it didn't drop for 3 yrs. Yes it does matter what car you drive but it's within 5%, I just can't wait til I'm 25, married, or we have some sort of legislation in place preventing insurance companies from bending us young guys over.
oh and about the sport bike, try wawanesa, or the insurance company downtown in st. albert.. both will be sub $300 I gurantee it :bthumbup: |
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| arabian_ryda |
my dad has 13 years experience with no at fault accidents ever and was paying 600 for 2 cars but after a at fault accident it went up to 2400 and they were sent to facility insurance where they are only allowed one car to insure between the two of them. the ticket was droped to speeding speeding.
i was quoted at 4500 with 250,000 plpd.
a buddy of mine pays 4000 a year for his mr2 under his parents name now thats bull.
insurance is a monoply. bylaw u have to have insurance to drive on the streets and no other options then ets or walking. |
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| SlowAzzPorsche911T |
and unfortunately with my line of work, I require transportation.. if anyone ever suggestes a cab, tell them to eat it.. they're more expensive then gold underwear
that is rediculous for prices, if I went under my parent's policy they'd drop my parents.. that what their agent said. and we have 4 cars, one commercial vehicle.. and a house all of which have never had claims or accidents and they'd still drop em just cause of me, sheesh.... thanks for the 2 suggestions in the begining of the post, i'll be calling them too :bthumbup: |
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| Flex |
quote:
Originally posted by SlowAzzPorsche911T
oh and about the sport bike, try wawanesa, or the insurance company downtown in st. albert.. both will be sub $300 I gurantee it :bthumbup:
Downtown St. Albert.....you mean Drayden insurance???? If so they are the worst company for insurance I have ever dealt with. Plus I dont know what bike you are riding but you won't get any $300 insurance thru Drayden. |
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| SlowAzzPorsche911T |
| hmmm odd :dunno: my bud has a mid 90's katana insured for about 260ish thru them, he said they were great.. i was just passing on what he said, i reccomend wawanesa for you man :bthumbup: |
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| stealth |
quote:
Originally posted by arabian_ryda
my dad has 13 years experience with no at fault accidents ever and was paying 600 for 2 cars but after a at fault accident it went up to 2400 and they were sent to facility insurance where they are only allowed one car to insure between the two of them. the ticket was droped to speeding speeding.
i was quoted at 4500 with 250,000 plpd.
a buddy of mine pays 4000 a year for his mr2 under his parents name now thats bull.
insurance is a monoply. bylaw u have to have insurance to drive on the streets and no other options then ets or walking.
ya insurance said 4000 for the mr2, they say its gunna me the same as the teg so 4400 i dont find out till the 28th:confused: |
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| Flex |
quote:
Originally posted by SlowAzzPorsche911T
hmmm odd :dunno: my bud has a mid 90's katana insured for about 260ish thru them, he said they were great.. i was just passing on what he said, i reccomend wawanesa for you man :bthumbup:
Thats funny cause they won't insure sport bikes anymore unless its thru facility and thats huge $$$$$$$
Thru regular insurance I can see $260 for just PLPD........on my 2001 929 I can get PLPD for that. But gotta have theft and thats the killer.
And I have lots of examples of problems we have had with Drayden.........thats why we left. |
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| ehos |
Anyone have Sask. Insurance (SGI)?
Just wondering what's all involved? Ie, live in Alberta, get a PO box in Sask?
PM if you don't want to post on the forum, but I think its' a great idea. (~1000/year for insurance sounds good to me). |
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| Flex |
A guy I work with has Sask. insurance on his truck still. He works in alberta but he owns land in Sask. So he can pay some fee and still keep his Sask. insurance. But he is in the process of buying a house here, and he said once he does then he has to come off the Sask insurance as he can no longer say his primary residence is there.
Just having a PO box wont cut it. |
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| SlowAzzPorsche911T |
| that's called fraud bud, you have to have a legal mailing address and have been a resident for X # of years or spend at least 51% of your time in that province of which your insurance exists |
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| SlowAzzPorsche911T |
| 929... mazda 929 sedan? 929 ducatio? 929 honda cbr... what 929? :dunno: if it's a ducati i wouldn't give ya insurance either:blink: |
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| Flex |
quote:
Originally posted by SlowAzzPorsche911T
929... mazda 929 sedan? 929 ducatio? 929 honda cbr... what 929? :dunno: if it's a ducati i wouldn't give ya insurance either:blink:
CBR 929......sorry.........:cool: |
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| SlowAzzPorsche911T |
| have you tried drayden insurance... or morgex |
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| Flex |
quote:
Originally posted by SlowAzzPorsche911T
have you tried drayden insurance... or morgex
Are you asking me of I tried Drayden????
Read my earlier posts......I wouldn't walk across the street to piss on their building if it was on fire..Drayden sucks ass hard. |
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| SlowAzzPorsche911T |
my bad :confused:
i just found a decent place, 1st choice quoted me 3800/yr for 200k pl/pd, no comp. but hell that's good enough for me considering my record:bthumbup: |
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| mwdguy |
quote:
Originally posted by SlowAzzPorsche911T
my bad :confused:
i just found a decent place, 1st choice quoted me 3800/yr for 200k pl/pd, no comp. but hell that's good enough for me considering my record:bthumbup:
where was this ? |
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| SlowAzzPorsche911T |
| 1st choice insurance! |
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| Jamey |
i have a question about possible "fraud" involving insurance
i'm assuming the basis is the same in alberta as in ontario (i just relocated here from ontario) regarding drunk driving and notifying your insurance co. if you're charged and being liable if you don't notify them.
my question is if you get a ticket for non-criminal charges (ex speeding) and on your renewal form its not listed because most insurance companies don't do a check everytime your policy is renewed, are you liable if you get in an accident and you've exceeded the insurance companies limit of who they will insure based on their driving record?
does that make any sense? i'll clarify if it doesn't next post. |
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| dogstar |
i think what jamey is trying to ask is if you fuck up, and when you renew, your insurance company doesnt pull your abstract, then renews you at the previous years rate, do you take one up the ass when they find out you fucked up.
right jamey?
and slowass, congrats on the insurance rate... if you havent actually signed a policy, try calling TD/melloche too, pm me fer some details, but they do have accident forgiveness, and are pretty ok to deal with. |
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| SlowAzzPorsche911T |
| common mis-conception there people, insurance companies mostly do checks when it's possible you can be bumped into another category.... i.e 21, you get married, 25, etc. they also pull random abstracts however when it comes to everyday policies so it's hit and miss really... it's not so random for ppl under 21 however. you might get lucky one year and nailed the next |
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| dUNiT |
quote:
Originally posted by Xpnsve
Thats another reason we need to De-Privatize
too bad that wont be happenin.. fuckass klein.. all he did was lower premiums by 5%.. wow.. thats really gonna help me.. .. i was quoted for $6000.. lol.. wut the hell.. i havent done anything wrong.. and i went through driver training.. oh im a male and 17.. that must be why.. im a threat to society :mad: |
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| Xpnsve |
quote:
Originally posted by dUNiT
too bad that wont be happenin.. fuckass klein.. all he did was lower premiums by 5%.. wow.. thats really gonna help me.. .. i was quoted for $6000.. lol.. wut the hell.. i havent done anything wrong.. and i went through driver training.. oh im a male and 17.. that must be why.. im a threat to society :mad:
I'll be at the meet tonite FOR SURE
I'll bring the papers to sign. I'll bring some extras to take home too. |
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| dogstar |
quote:
Originally posted by dUNiT
too bad that wont be happenin.. fuckass klein.. all he did was lower premiums by 5%.. wow.. thats really gonna help me.. .. i was quoted for $6000.. lol.. wut the hell.. i havent done anything wrong.. and i went through driver training.. oh im a male and 17.. that must be why.. im a threat to society :mad:
um, so?? whats so unusual??
not to sound like a dick, but im gonna explain things the way i learned them.
dont get all uppity, i was quoted 5000 when i was 17.
youve got no experience, and the stats say your going to have a fairly major accident within two or three years, thats why your insurance is high.
and using that logic, yes, you are a threat to society :)
its a fact, more young guys get into high speed accidents and hurt more people, who sue cause their greedy cunts.
insurance companies make tons of money yes, but they cant get away with charging old farts 6000 a year, so they will charge young people, cause young people generally arent stubborn enough, and usually dont have the know how to fight back.
you want to drive, then you get to pay for it, sorry, but i had to pay a lot when i started driving too, and im sure most everyone else here did, unless they cheated and went on mommy and daddys insurance.
honestly though, where do you have to go that you NEED a car?
do you commute to work? or do you do work that is vital to the community?
or do you just want a car cause its cool?
sometimes life sucks, and growing up as a guy in a car society is one of those times.
i bought a motorbike, theyre more fun anyways :D |
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| mwdguy |
quote:
Originally posted by SlowAzzPorsche911T
1st choice insurance!
Got a website for these people? I couldnt find anything. |
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| SlowAzzPorsche911T |
quote:
Originally posted by mwdguy
Got a website for these people? I couldnt find anything.
damnit man, do i have to do everything... i'll get you their # this afternoon :p |
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| mwdguy |
quote:
Originally posted by SlowAzzPorsche911T
damnit man, do i have to do everything... i'll get you their # this afternoon :p
Well i tried the yellowpages online but nothin came up :) |
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| Jamey |
quote:
quote:
--------------------------------------------------------------------------------
Originally posted by SlowAzzPorsche911T
damnit man, do i have to do everything... i'll get you their # this afternoon
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Well i tried the yellowpages online but nothin came up
PICK UP A BOOK!!!
yellow pages list it as:
First Choice Insurance Services (1999) Ltd
11855 St Albert Trail 424-2676
they have a huge ad on pg 884, telus superpages
i'll send you my bill in the mail
:p |
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| Jamey |
quote:
i think what jamey is trying to ask is if you fuck up, and when you renew, your insurance company doesnt pull your abstract, then renews you at the previous years rate, do you take one up the ass when they find out you fucked up.
right jamey?
and slowass, congrats on the insurance rate... if you havent actually signed a policy, try calling TD/melloche too, pm me fer some details, but they do have accident forgiveness, and are pretty ok to deal with
dogstar, thanks for interpreting my blah blah blah
yeah, my main concern is if all my accumulated tickets/claims exceed my insurance companies limit on who they insure, and i don't tell them when i get a ticket so they don't know i've exceeded their limit, am i liable?? |
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| mwdguy |
quote:
Originally posted by Jamey
PICK UP A BOOK!!!
yellow pages list it as:
First Choice Insurance Services (1999) Ltd
11855 St Albert Trail 424-2676
they have a huge ad on pg 884, telus superpages
i'll send you my bill in the mail
:p
kinda hard when i am in Montana at the moment working ist it smarty |
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| dUNiT |
quote:
Originally posted by dogstar
um, so?? whats so unusual??
not to sound like a dick, but im gonna explain things the way i learned them.
dont get all uppity, i was quoted 5000 when i was 17.
youve got no experience, and the stats say your going to have a fairly major accident within two or three years, thats why your insurance is high.
and using that logic, yes, you are a threat to society :)
its a fact, more young guys get into high speed accidents and hurt more people, who sue cause their greedy cunts.
insurance companies make tons of money yes, but they cant get away with charging old farts 6000 a year, so they will charge young people, cause young people generally arent stubborn enough, and usually dont have the know how to fight back.
you want to drive, then you get to pay for it, sorry, but i had to pay a lot when i started driving too, and im sure most everyone else here did, unless they cheated and went on mommy and daddys insurance.
honestly though, where do you have to go that you NEED a car?
do you commute to work? or do you do work that is vital to the community?
or do you just want a car cause its cool?
sometimes life sucks, and growing up as a guy in a car society is one of those times.
i bought a motorbike, theyre more fun anyways :D
well sorry..if i wanna drive to school work partys.. or wherever else i wanna go when i want to.. my parents are always using their cars so i dont get a chance.. well.. your saying all this stuff about males 17 being a threat.. then why in saskatchewan its a lot cheaper..?.. cuz im albertan?.. i dont think so.. the solution to this problem is to deprivatize.... and you should agree.. so no one else has to go through the shit you had to |
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| dogstar |
no, people should have less accidents.
but thats in a perfect world, but i also think it should be a lot harder to get your license...
im sure a lot of people can agree with me, how many people do you see on the road who shouldnt have their license?
but whatever, thats beside the point.
you have to drive to school?? why? theres this thing, called the bus.
i dunno, last time i checked, more shit got stolen out of high school parking lots than anywhere else.
same as vandalism... happens there, someone has a shitty day at school and takes it out on someones car.
no offence, but if you "wanna drive to school work partys.. or wherever else i wanna go when i want to" then in alberta you have to pay for it.
what i dont understand is why its so important to drive?
is it worth 5000 a year, plus the car and all the other costs?
personally, i never drove to parties when i was 17 or 18... why risk getting drunk and taking a chance.
everyone says they wont do it, but people still get impaired charges, so someones doin it.
meh, whatever, i doubt im going to convince you that driving isnt that important, so im not gonna try.
either you cough up 5000 bucks or you dont drive in alberta, like i said before... there are times that life sucks, and thats one of them. |
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| dUNiT |
| i didnt mean work parties.. i meant work and parties.. and my school is pretty far.. i have to take a bus and train.. which is tiresome and takes a long time to get to school.. also.. i hate taking the bus home from work.. i dont get in until 1230am.. .. i understand what your saying that its not a need.. ive been waiting awhile to drive my own car, i can drive my parents but not as often as i would like.. (never).. lol.. i understand where your coming from.. im just about done high school.. the next year im gonna wanna be driving to post secondary and work as well |
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