Auto insurance explained, Q&A welcome

[driftphenom]

so, essentially this thread is useless. your saying there are so many variables that each situation is unique and must be dealt with individually. thus making any question answerable with : "every insurance company is different, blah blah blah" what im saying is generally correcty, no? wouldnt it been easier to say " never ask questions about insurance." and then expalin why. and instead of replying with the same answer to every question, you could give the info upfront and save everyone time, including yourself. thx and have a great day

[g6civcx]

Originally Posted by driftphenom

so, essentially this thread is useless. your saying there are so many variables that each situation is unique and must be dealt with individually. thus making any question answerable with : "every insurance company is different, blah blah blah" what im saying is generally correcty, no? wouldnt it been easier to say " never ask questions about insurance." and then expalin why. and instead of replying with the same answer to every question, you could give the info upfront and save everyone time, including yourself. thx and have a great day

While I share your frustration, and believe me when I say all insurers should act in a uniform manner, the bottom line is this.

I can tell you what should be done; however, I cannot tell you what is done. See the difference?

How would I know what someone else should do? I can tell you what the law is, or even what the industry guideline is, but it is up to each individual company to deal with their customer.

That applies to every industry.

Pretend you have an engineer who designed some of the parts on the GT-R. Would you ask the engineer how much a GT-R cost? Wouldn't you be better off asking your dealer?

And if the engineer does not know how much the GT-R cost, and does that make the engineer completely ignorant on how the GT-R works?


So far every question that was asked was how much the premium would be. The premium depends on each insurer, just like the cost of the GT-R depends on each dealer.

There is so much more to insurance than just the premium, and while how each insurer implements the process is different, the process in general is the same.


So while most simple questions about premium cost should be directed towards the insurer, I put the burden back on you. Do your research. Think of more complex questions to ask. Don't just ask how much coverage costs.

Things like what is actually covered, how a claim is processed, what happens for during a total loss claim, so on and so forth.

So far nobody has asked any of those deeper questions. We're just barely scraping the surface.


So I put it back on you. The sophistication of the question is lacking. Therefore the quality of the response is lacking.

I have many years in the industry. I can answer most question directed towards what should be done, but not what actually is done.

Can you predict the future by being able to say what each person would do? Can anybody?


Also, anyone else who can answer the questions much better are welcome to contribute.