Thieves, Insurance companies, $500 per-incident deductibles, and suckiness

The BBQ Pit
1

Last Friday morning, someone bashed in the rear driver-side window of our car where Mrs. WeHaveCookies parks at work. He/She managed not to trigger the alarm. He/She then opened the passenger-side door, fished under the seat to find where Mrs. WeHaveCookies had stashed my 60 gig video iPod (the only thing worth stealing in the car, aside from the spare change in the cup holders which he/she also took) pawed through all of the manuals, insurance forms, car-related receipts and paperwork, leaving them strewn all over the parking lot in the pouring rain.

Fucking punk-ass motherfuckers!!!

Turns out there have been a half-dozen similar breakins in the same lot (she just started working there 3 weeks ago). The same window is broken, alarms mysteriously don’t go off, etc.

I have been holding off on this post in the hope the Geico would cover our stolen iPod, but Mrs. WeHaveCookies just called me from the claims adjuster’s and we’re SOL, yet again.

Fucking punk-ass motherfuckers!!!

I swear to Og…

Fucking car insurance racket $500 deductible can KISS MY LILY WHITE LESBIAN ASS. So you don’t cover items that aren’t “mounted to the vehicle”? How about you cover my steel-toed boot mounted to your fucking prostate?

On our road trip a rock came out of oncoming traffic and cracked our windshield. They didn’t pay a fucking red cent to replace it.

They aren’t paying a fucking red cent to replace the window that the theif busted. They aren’t covering the iPod. Jesus Fucking Christ.

We’ve kissed $750 goodbye on that fucking car in the past 6 months, through ABSOLUTELY NO FAULT of our own, and kissed another $400 goodbye on a device that they would have covered if we’d installed a fucking plastic dock and some screws? That would’ve left it in plain sight, not that not having it in plain sight kept the little shithead from breaking the fuck in anway.

GAHHHHHHHHHHH!

inhales, exhales, and thinks of her happy place

2

If you have homeowners insurance, they may cover the theft. However, it might not meet their deductable either. Another option, with whomever you switch to when you drop Geico [;)], is a Glass Replacement option. This way, window damage does not come out of the deductible.

3

Car insurance is for your car, not the shit that you carry in your car. Homeowners or condo insurance covers shit that you carry in you car. If car insurance covered shit-in-the-car, they’d have to have two sets of rates, one for people that leave shit in their car and one for people that don’t.

And as for bitching about the deductible–gee, you signed up for a $500 deductible and cheerfully accepted the lower rates, and now you bitch that you had a loss and they don’t cover it. Maybe next you can pit the grocery store for not giving you $100 worth of groceries for $50.

4

Sure didn’t take long for that thread-shitting. Jeez, it’s not like he shouldn’t be upset that his car was broken into and his stuff stolen. His rant wasn’t razor accurate, too! Too bad this doesn’t work anymore, because you earned it FtP - :putz:

5

Jeez, can’t even get disable smilies to work right… :putz:

6

We didn’t cheerfully accept shit. The rates are not that low, because they jacked them up due to our hitting a deer last year under our previous policy. I don’t have to be happy about deer and theives being attracted to our car, and I can be pissed that suckiness doesn’t impact the insurance company’s profit margin, yet consistently impacts our pocket book.

7

and, if I am not misreading this, “KISS MY LILY WHITE LESBIAN ASS” you also got the gender wrong :slight_smile:

8

D_Odds, it’s not threadshitting. OP is mad that Geico isn’t paying for something they never agreed to pay for, and is abiding by the deductible that both parties agreed to. That’s not a fair thing to be upset at them over. Rant at the thief, rant at yourself for not getting more coverage, don’t rant about Geico abiding by the letter (and intent) of their insurance contract.

9

You miss the point. The rates for that deductible may not be “low” in your view, but they are lower than the rates for, say $100 deductible would have been. It was that difference, that “lowering” that you accepted, and presumably were cheerful about the choice. If you were not cheerful, then why would you not insist on a lower deductible?

I’m with Cheesesteak and Freddy. It’s not thread-shitting; the OP is pitting a party that did no wrong. If she wishes to inveigh against the thief, have at it. But her wrath is directed at her insurance company for failing to cover losses which they had already told her they wouldn’t cover. It’s quite frankly idiotic for her to expect them to act otherwise. Her relationship with Geico is not a friendship. It’s a contractual business relationship, the terms of which are explicitly spelled out in the paperwork the company sent her when they sold her the policy, and she’s acting as betrayed as if she just caught her lover making out with her best friend. Sorry, not even close.

Geico did what they promised they’d do.

10

Oh yeah, well my car got broken into the other day and they stole a ring worth $40,000,000.00 that I kept in the ashtray. Bastard insurance won’t pay for it either.

But seriously how do you expect them to pay for shit in your car? Are they just supposed to take your word for what was in it in the first place?

11

I repeat.

We didn’t cheerfully accept shit.

We took the only option that wasn’t prohibitively expensive and still provided sufficient coverage for a major accident.

Someone explain to me the justification for an Insurance Company increasing premiums based on a prior collision with a deer when the driver was insured by a different company?

I can understand increasing premiums if a driver is at fault. I do not understand the blanket assumption that because a deer was hit, the driver is somehow more of a risk.

It was because we hit the deer that we got stuck with the $500 deductible.

12

Are you suggesting that the accident was the deer’s fault?

13

Isolate my iPod related pitting to the rat bastard who broke into the car. I still maintain that insurance companies (not just Geico) are as parasitic as record labels.

14

Must be different in GA. In all my years in insurance I’ve never heard of raising the premium for a comprehensive claim, unless there have been a number of them in short period of time.

15

Items in the car are covered by homeowners/renters insurance.

However, it appears that the OP has been poorly guided by his insurance agent, so he has a legit beef. Collision insurance is where you want a fairly high deductable. That’s because accidents usually cause either a great deal of damage- in which case the $500 isn’t much, or they are a scrape in which case you can let it go. Also, if it’s the other guys fault, you don’t have to worry about deductables, generally- thus abiut half the time, the deductable isn;t your problem. Finally, Collision insurance is expensive-so a high deductable will save you some real $$.

Comprehensive is just the opposite. When someone breaks a window getting into your car (very common) you need to get that window fixed. It isn’t very expensive, and so a large deductable is a pain in the ass. Then, you almost never get subrogation, thus you almost never get “the other guy” to pay for it. Lastly, Comprehensive is very cheap, so a high deductable doesn;t save much. I suggest a 0 deductable.

Geico is crap at paying out. Sure they have cute ads, but when you really need them, the Gecko ain’t there. Thus, the OP’s beef is legit. Any decent agent should have discussed this with the OP about lower or 0 deductables on his Comp when the Op made his first claim- if not when ComeToTheDarkSideWeHaveCookies first purchased his policy.

I suggest ComeToTheDarkSideWeHaveCookies gets another insurance co.- one with better agents, who will pay out when you need it, and whose ads aren’t quite so fucking cute. Get 0 deductable on your Comp. And, I’d check with your renters/homeowners policy for the iPod. Sorry, no auto company would have paid out on that, but the window should have been covered.

16

Well, obviously you can’t really hold a deer liable, but if a deer runs into you, then why isn’t it the deer’s fault?

If a child runs in front of your car and you’re unable to stop, then the resulting collision is the child’s fault, regardless of whether you can hold the child accountable.

17

There should have been no difference at all. The prior Comp claim with another company shouldn’t affect your Comp rate. It’s Geico. Motherfuckers.

18

As much as our’s. We and the deer were randomly unlucky. It had nothing to do the associated driving risk algorithm variable, or however else they calculate it, and I find it hard to believe that drivers are actually at fault in such cases often enough to justify reactionary rate hikes.

For the record, I am female, but I wear men’s clothing and like to much carpet, and it really doesn’t matter anyway.

The car is owned by Mrs. WeHaveCookies, and it is her insurance policy, and I was not present during the negociations. I am, however, in complete agreement with DrDeth that Geico is getting the boot, and I’ll certainly be a very active participant when dealing with their replacement.

19

OK now I am confused. If you subtract your Ipod claim we are left with you complaining that Geiko is not ignoring the fact that you contracted for a $500.00 deductible and just reimbursing you for expenses they are are not obligated to pay. ???

20

Many insurance companies use a complete claims history when writing a new policy. Even if the claim was with another company, it’s still part of the insured’s claims history.