Return-Path: Received: from ius4.ius.cs.cmu.edu by K.GP.CS.CMU.EDU id aa13822; 10 May 91 15:08:04 EDT Received: from ius4.ius.cs.cmu.edu by IUS4.IUS.CS.CMU.EDU id aa14420; 10 May 91 15:07:11 EDT To: bovik@K.GP.CS.CMU.EDU Subject: car insurance Date: Fri, 10 May 91 15:07:10 EDT Message-ID: <14418.673902430@IUS4.IUS.CS.CMU.EDU> From: Paul.Allen@IUS4.IUS.CS.CMU.EDU Here is a query and the replies I got about car insurance. Query: 08-May-91 12:44 Paul.Allen car insurance From: Paul.Allen@IUS4.IUS.CS.CMU.EDU I have a car insurance question: I've just recently gotten rid of my car and don't plan on getting another one for at least a year or two. Should I keep some sort of minimal liability insurance or should I completely cancel it? The problem is that if I cancel it, the chances are that the rates will really be high when I start back up. (Don't ask why -- as we all know, the insurance companies are evil.) I know I can do a mathematical analysis based on the premiums I expect to pay and the length of time I plan on being without a car, but I am really looking for anyone with similar experiences that possibly has figured out how to convince the insurance companies that you're not a cretin for not keeping insurance when you don't have a car. Any advice would be appreciated. Paul ---------- Replies: :::::::::::::: insur/1 :::::::::::::: Return-Path: Received: from gottlob.tip.cs.cmu.edu by IUS4.IUS.CS.CMU.EDU id aa00759; 8 May 91 19:11:42 EDT To: Paul.Allen@IUS4.IUS.CS.CMU.EDU Subject: Re: car insurance Date: Wed, 8 May 91 19:11:02 EDT From: rwh@GOTTLOB.TIP.CS.CMU.EDU Sender: rwh@GOTTLOB.TIP.CS.CMU.EDU The thing to watch out for is that fact that insurance companies are currently spiting Pennsylvania drivers because of the enforced rate rollback: most are not writing *any* new policies, and mine is eliminating the budget payment program (the whole thing is now due all at once). So it may make sense to keep a policy for fear of not being able to get one at all. Bob :::::::::::::: insur/2 :::::::::::::: Return-Path: Received: from h.gp.cs.cmu.edu by IUS4.IUS.CS.CMU.EDU id aa02617; 9 May 91 9:16:47 EDT Received: from h.gp.cs.cmu.edu by H.GP.CS.CMU.EDU id aa04025; 9 May 91 9:16:28 EDT To: paul.allen@CS.CMU.EDU Subject: re: Car Insurance Date: Thu, 09 May 91 09:16:24 EDT Message-ID: <4021.673794984@H.GP.CS.CMU.EDU> From: Colleen Everett A few years back I had sold my car and didn't have one for about a year. The problem is when you start your insurance up again they put you on high risk regardless of your past record because you don't currently carry insurance. I argued this point til I was blue in the face with just about every insurance company in the city and they said the same thing. I still don't understand the logic behind it. Ridiculous because I had had insurance for 5 years straight prior to selling my car and never had a mark on my driving record. I thought I would try to beat them at their own game. When I called for insurance and they asked me for my current insurance policy I gave them my old policy number. I figured the worst that could happen is they would deny me coverage. I'm not sure how much they really check it out, but it worked. I got insurance at a reasonable rate with the first company I called. While it is not a very ethical solution, I would have been fair with them if they had been fair and reasonable with me. I have a bad attitude about insurance companies...no wonder. colleen :::::::::::::: insur/4 :::::::::::::: Return-Path: Received: from purcell.coda.cs.cmu.edu by IUS4.IUS.CS.CMU.EDU id aa04130; 9 May 91 11:23:10 EDT Received: from Messages.7.8.N.CUILIB.3.45.SNAP.NOT.LINKED.PURCELL.CODA.CS.CMU.EDU.pmax.3 via MS.5.6.PURCELL.CODA.CS.CMU.EDU.pmax_3; Thu, 9 May 91 11:22:53 -0400 (EDT) Message-ID: Date: Thu, 9 May 91 11:22:53 -0400 (EDT) From: David.Steere@cs.cmu.edu To: Paul.Allen@IUS4.IUS.CS.CMU.EDU Subject: Re: car insurance In-Reply-To: References: I'd be interested in knowing that too. Also, what happens to your license if you don't own a car... Do you need insurance as a non-driver or something? david. :::::::::::::: insur/5 :::::::::::::: Return-Path: Received: from b.gp.cs.cmu.edu by IUS4.IUS.CS.CMU.EDU id aa05586; 9 May 91 13:38:19 EDT Received: from b.gp.cs.cmu.edu by B.GP.CS.CMU.EDU id aa11817; 9 May 91 13:38:06 EDT To: Paul.Allen@IUS4.IUS.CS.CMU.EDU Subject: Auto insurance Date: Thu, 09 May 91 13:38:01 EDT Message-ID: <11815.673810681@B.GP.CS.CMU.EDU> From: Paul.Gleichauf@B.GP.CS.CMU.EDU Paul, I have done as you proposed, selling a car but leaving the insurance intact for over a year. My insurance agent was aware of the situation, lowered the policy limits to the minimum, and let the policy run. The insurance company was not made aware that we were doing this, and might have felt legally obligated to cancel the policy. Yet as long as they do not know it is the ideal kind of policy to underwrite, no risk, no chance of a claim, and continuing premiums. This is also why the agent was so cooperative. Eventually I did get another car, and there were no problems. another Paul