Insurance fraud, IMO - Page 3

chrystaltree · ‎05-10-2010

You want short term car insurance and they don't have that. That's not fraud, they just don't have coverage like that. It's $74 regardless of how long you keep the car and don't forget, you haven't sold the car yet. It's still your car.

Lipstickdiva · ‎03-10-2010

I'm not sure what your circumstances are but if you still owe money on the vehicle to a bank, credit union, etc., they require that you keep full coverage on that car for the life of the loan.

It's $74.00 and if you pay the premium, once you cancel you should be issued a refund for the unused premium. I'd just pay the premium, cancel when the car is sold and wait for your refund. I wouldn't mess around having my insurance company rewrite a policy.

CelticCrafter · ‎03-09-2010

@CrazyDaisy & @Lipstickdiva - they don't rewrite the policy if a change is made or coverage is deleted, an endorsement is issued deleting or changing coverages.

comedy clubber · ‎08-01-2018

Sorry, no trees on my driveway where the car is sitting until the buyer will retrieve it. And it is fraud. Old rate was $673 for a year, new rate is $345 with the changes. They are collecting a fee based on a rate nearly twice the new and they know the situation well. The agent has done nothing except work from home, pet her yelpy dog and eat something while on the phone. I have an excellent driving record.

I am only getting rid of a 2009 Toyota Camry because that year Camry is well known to be a year of lemons as Honda was rapidly passing Toyota in sales and Toyota produced inferior products to beat Honda.. A car with only 70,000 miles should not have had broken springs without ever hauling or off roading nor have a wasted catalytic converter. Afterall, have you ever heard of a recall on a dashboard before? This car did. I am sick of throwing money into this blackhole and am selling it to a young man who has a mechanic for a relative. I am selling the car to him at one half of the KBB price because I am a nice person and I know he has to fix the car.

I guess that I am just sick and tired of being taken advantage of and not being listened to.

Barbara-QVC · ‎10-12-2015

Moved:

This post has been removed by QVC because it is inappropriate.

NYC Susan · ‎03-13-2010

@comedy clubber wrote:
Sorry, no trees on my driveway where the car is sitting until the buyer will retrieve it. And it is fraud. Old rate was $673 for a year, new rate is $345 with the changes. They are collecting a fee based on a rate nearly twice the new and they know the situation well. The agent has done nothing except work from home, pet her yelpy dog and eat something while on the phone. I have an excellent driving record.
I am only getting rid of a 2009 Toyota Camry because that year Camry is well known to be a year of lemons as Honda was rapidly passing Toyota in sales and Toyota produced inferior products to beat Honda.. A car with only 70,000 miles should not have had broken springs without ever hauling or off roading nor have a wasted catalytic converter. Afterall, have you ever heard of a recall on a dashboard before? This car did. I am sick of throwing money into this blackhole and am selling it to a young man who has a mechanic for a relative. I am selling the car to him at one half of the KBB price because I am a nice person and I know he has to fix the car.
I guess that I am just sick and tired of being taken advantage of and not being listened to.

You may be tired of spending money and feeling advantage of, but that doesn't mean this is fraud. Venting is one thing, but you're claiming fraud without having a full understanding as to the cost of your premiums and you're claiming fraud based on your assumption that you won't receive a refund (if one is due) in a timely manner.

"Insurance fraud" is a serious accusation, not something that should be tossed around lightly. Being upset about your car, your agent, money spent, etc. is not grounds for defaming an insurance company that - in all likelihood - has done nothing wrong.

jannabelle1 · ‎09-12-2010

You have a contract with your auto insurance carrier, and they are under no obligation to change your policy prior to the renewal date because you may have a buyer for the car. Once the car is sold and ownership is transferred, then you can cancel coverage on that vehicle and will be sent a refund for the premium you've paid. It has nothing to do with fraud or the fact that you don't like your insurance agent. Pay the premium while you still own the car, or go without coverage and face a lapsed policy - it's that simple. A "potential buyer" is just that - you still own the car.

Tinkrbl44 · ‎08-23-2010

@NYC Susan wrote:
@comedy clubber wrote:
Sorry, no trees on my driveway where the car is sitting until the buyer will retrieve it. And it is fraud. Old rate was $673 for a year, new rate is $345 with the changes. They are collecting a fee based on a rate nearly twice the new and they know the situation well. The agent has done nothing except work from home, pet her yelpy dog and eat something while on the phone. I have an excellent driving record.
I am only getting rid of a 2009 Toyota Camry because that year Camry is well known to be a year of lemons as Honda was rapidly passing Toyota in sales and Toyota produced inferior products to beat Honda.. A car with only 70,000 miles should not have had broken springs without ever hauling or off roading nor have a wasted catalytic converter. Afterall, have you ever heard of a recall on a dashboard before? This car did. I am sick of throwing money into this blackhole and am selling it to a young man who has a mechanic for a relative. I am selling the car to him at one half of the KBB price because I am a nice person and I know he has to fix the car.
I guess that I am just sick and tired of being taken advantage of and not being listened to.

You may be tired of spending money and feeling advantage of, but that doesn't mean this is fraud. Venting is one thing, but you're claiming fraud without having a full understanding as to the cost of your premiums and you're claiming fraud based on your assumption that you won't receive a refund (if one is due) in a timely manner.

"Insurance fraud" is a serious accusation, not something that should be tossed around lightly. Being upset about your car, your agent, money spent, etc. is not grounds for defaming an insurance company that - in all likelihood - has done nothing wrong.

@NYC Susan @comedy clubber

Well stated ... the OP may be frustrated, but she also doesn't understand how her coverage works .... this is not fraud.

CalminHeart · ‎03-09-2010

Insurers don't offer pro-rata prices. It would be a complete policy change to go with just liability for a month. Did you ask about that? It may be that they cannot do it the way you want. I don't see any fraud here.

comedy clubber · ‎08-01-2018

Hey, guess what. I won. I was right, the insurance company, and apparently most of you were wrong. What matters to me is that the error they made has been corrected.