Re: [MBZ] OT: Insurance companies

[Dwight Giles via Mercedes]

I have Progressive auto insurance through our local agent. haven't made any
claims .

On Thu, Jan 26, 2023, 11:36 AM Andrew Strasfogel via Mercedes <
mercedes@okiebenz.com> wrote:

> I just got a quote from Progressive that looks really enticing.  Anyone
> deal with them?
>
> On Wed, Jan 25, 2023 at 6:38 PM OK Don via Mercedes  >
> wrote:
>
> > I second Allen's experience with State Farm. We've been with them since
> > 1975, no regrets.
> >
> > On Wed, Jan 25, 2023 at 3:09 PM Allan Streib via Mercedes <
> > mercedes@okiebenz.com> wrote:
> >
> > > I've been very happy with State Farm over many years and several
> claims.
> > >
> > > I doubt they are the cheapest but I've had peace of mind with them.
> > >
> > >
> > > On Wed, Jan 25, 2023, at 15:27, Andrew Strasfogel via Mercedes wrote:
> > > > I was shocked to learn that geico has jacked up our auto/home
> rates.  I
> > > > obtained lower quotes from Progressive, Farmers and State Farm for
> > > > comparable coverage.  Any preference or red flags to any of these
> > > insurers?
> > > > ___
> > > > http://www.okiebenz.com
> > > >
> > > > To search list archives http://www.okiebenz.com/archive/
> > > >
> > > > To Unsubscribe or change delivery options go to:
> > > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> > >
> > > ___
> > > http://www.okiebenz.com
> > >
> > > To search list archives http://www.okiebenz.com/archive/
> > >
> > > To Unsubscribe or change delivery options go to:
> > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> > >
> > >
> >
> > --
> > OK Don
> >
> > "Quality of life is inversely proportional to the amount of clothing you
> > are wearing."
> >
> > "Whenever you find yourself on the side of the majority, it is time to
> > pause and reflect." Mark Twain
> >
> > “Basic research is what I’m doing when I don’t know what I am doing.”
> > Wernher
> > Von Braun
> >
> > "In science if you know what you are doing you should not be doing it.
> > In engineering if you do not know what you are doing you should not be
> > doing it."
> > -- Richard W. Hamming, The Art of Doing Science and Engineering
> > 2013 F150, 18 mpg
> > 2017 Subaru Legacy, 30 mpg
> > 1957 C182A, 12 mpg - but at 150 mph!
> > ___
> > http://www.okiebenz.com
> >
> > To search list archives http://www.okiebenz.com/archive/
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >
> >
> ___
> http://www.okiebenz.com
>
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>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
>
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Re: [MBZ] OT: Insurance companies

[Andrew Strasfogel via Mercedes]

I just got a quote from Progressive that looks really enticing.  Anyone
deal with them?

On Wed, Jan 25, 2023 at 6:38 PM OK Don via Mercedes 
wrote:

> I second Allen's experience with State Farm. We've been with them since
> 1975, no regrets.
>
> On Wed, Jan 25, 2023 at 3:09 PM Allan Streib via Mercedes <
> mercedes@okiebenz.com> wrote:
>
> > I've been very happy with State Farm over many years and several claims.
> >
> > I doubt they are the cheapest but I've had peace of mind with them.
> >
> >
> > On Wed, Jan 25, 2023, at 15:27, Andrew Strasfogel via Mercedes wrote:
> > > I was shocked to learn that geico has jacked up our auto/home rates.  I
> > > obtained lower quotes from Progressive, Farmers and State Farm for
> > > comparable coverage.  Any preference or red flags to any of these
> > insurers?
> > > ___
> > > http://www.okiebenz.com
> > >
> > > To search list archives http://www.okiebenz.com/archive/
> > >
> > > To Unsubscribe or change delivery options go to:
> > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >
> > ___
> > http://www.okiebenz.com
> >
> > To search list archives http://www.okiebenz.com/archive/
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >
> >
>
> --
> OK Don
>
> "Quality of life is inversely proportional to the amount of clothing you
> are wearing."
>
> "Whenever you find yourself on the side of the majority, it is time to
> pause and reflect." Mark Twain
>
> “Basic research is what I’m doing when I don’t know what I am doing.”
> Wernher
> Von Braun
>
> "In science if you know what you are doing you should not be doing it.
> In engineering if you do not know what you are doing you should not be
> doing it."
> -- Richard W. Hamming, The Art of Doing Science and Engineering
> 2013 F150, 18 mpg
> 2017 Subaru Legacy, 30 mpg
> 1957 C182A, 12 mpg - but at 150 mph!
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
>
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Re: [MBZ] OT: Insurance companies

[OK Don via Mercedes]

I second Allen's experience with State Farm. We've been with them since
1975, no regrets.

On Wed, Jan 25, 2023 at 3:09 PM Allan Streib via Mercedes <
mercedes@okiebenz.com> wrote:

> I've been very happy with State Farm over many years and several claims.
>
> I doubt they are the cheapest but I've had peace of mind with them.
>
>
> On Wed, Jan 25, 2023, at 15:27, Andrew Strasfogel via Mercedes wrote:
> > I was shocked to learn that geico has jacked up our auto/home rates.  I
> > obtained lower quotes from Progressive, Farmers and State Farm for
> > comparable coverage.  Any preference or red flags to any of these
> insurers?
> > ___
> > http://www.okiebenz.com
> >
> > To search list archives http://www.okiebenz.com/archive/
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
>

-- 
OK Don

"Quality of life is inversely proportional to the amount of clothing you
are wearing."

"Whenever you find yourself on the side of the majority, it is time to
pause and reflect." Mark Twain

“Basic research is what I’m doing when I don’t know what I am doing.”  Wernher
Von Braun

"In science if you know what you are doing you should not be doing it.
In engineering if you do not know what you are doing you should not be
doing it."
-- Richard W. Hamming, The Art of Doing Science and Engineering
2013 F150, 18 mpg
2017 Subaru Legacy, 30 mpg
1957 C182A, 12 mpg - but at 150 mph!
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Re: [MBZ] OT: Insurance companies

[Kaleb Striplin via Mercedes]

They are actually more expensive than other alternatives right now, at least 
when I shopped around a while back. 

Sent from my iPhone

> On Jan 25, 2023, at 3:20 PM, Jim Cathey via Mercedes  
> wrote:
> 
> 
>> 
>> They [State Farm] are beaucoup cheaper than GEICO right now.
> 
> _Somebody_ has to pay for all those lizard ads!
> 
> For those that are eligible, USAA has been pretty reasonable.
> I have not checked lately, though.
> 
> -- Jim
> 
> 
> ___
> http://www.okiebenz.com
> 
> To search list archives http://www.okiebenz.com/archive/
> 
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> 


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Re: [MBZ] OT: Insurance companies

[Jim Cathey via Mercedes]

> They [State Farm] are beaucoup cheaper than GEICO right now.

_Somebody_ has to pay for all those lizard ads!

For those that are eligible, USAA has been pretty reasonable.
I have not checked lately, though.

-- Jim


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Re: [MBZ] OT: Insurance companies

[Andrew Strasfogel via Mercedes]

Glad to hear.  They are beaucoup cheaper than GEICO right now.

On Wed, Jan 25, 2023 at 4:09 PM Allan Streib via Mercedes <
mercedes@okiebenz.com> wrote:

> I've been very happy with State Farm over many years and several claims.
>
> I doubt they are the cheapest but I've had peace of mind with them.
>
>
> On Wed, Jan 25, 2023, at 15:27, Andrew Strasfogel via Mercedes wrote:
> > I was shocked to learn that geico has jacked up our auto/home rates.  I
> > obtained lower quotes from Progressive, Farmers and State Farm for
> > comparable coverage.  Any preference or red flags to any of these
> insurers?
> > ___
> > http://www.okiebenz.com
> >
> > To search list archives http://www.okiebenz.com/archive/
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
>
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Re: [MBZ] OT: Insurance companies

[Allan Streib via Mercedes]

I've been very happy with State Farm over many years and several claims.

I doubt they are the cheapest but I've had peace of mind with them.


On Wed, Jan 25, 2023, at 15:27, Andrew Strasfogel via Mercedes wrote:
> I was shocked to learn that geico has jacked up our auto/home rates.  I
> obtained lower quotes from Progressive, Farmers and State Farm for
> comparable coverage.  Any preference or red flags to any of these insurers?
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com

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Re: [MBZ] OT insurance, full coverage or no?

[OK Don via Mercedes]

It had nothing to do with the bidding process, just the buying of senators.

On Thu, May 27, 2021 at 1:19 PM Mitch Haley via Mercedes <
mercedes@okiebenz.com> wrote:

> On 2021-05-27 12:53, G Mann via Mercedes wrote:
> > I am in total agreement with you, except on one point which I hold as
> > very
> > important.
> > That point is, not all learning happens in school. Life does not give
> > participation trophies for attendance, only for performance.
>
>
> Ha. 3/4 of the US Senate wants to give a Bezos/Boeing space project a
> $10 Billion participation trophy for failing to win a contract.
>
> The actual contract award that was given to the better bid, well,
> Congress has agreed to pay $850 Million of the projected $2.9 Billion
> total.
>
> Let that sink in: The company with the better rocket at half the price
> gets less than a Billion, while Senators scramble to throw ten times as
> much at the loser.
>
>
> https://www.msn.com/en-us/news/technology/bezos-blue-origin-may-get-second-shot-at-nasa-dollars-via-e2-80-98bailout-e2-80-99-amendment/ar-AAKnxOs
>
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
>

-- 
OK Don

"Whenever you find yourself on the side of the majority, it is time to
pause and reflect." Mark Twain

“Basic research is what I’m doing when I don’t know what I am doing.”  Wernher
Von Braun
2013 F150, 18 mpg
2017 Subaru Legacy, 30 mpg
1957 C182A, 12 mpg - but at 150 mph!
___
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Re: [MBZ] OT insurance, full coverage or no?

[Mitch Haley via Mercedes]

On 2021-05-27 12:53, G Mann via Mercedes wrote:
I am in total agreement with you, except on one point which I hold as 
very

important.
That point is, not all learning happens in school. Life does not give
participation trophies for attendance, only for performance.



Ha. 3/4 of the US Senate wants to give a Bezos/Boeing space project a 
$10 Billion participation trophy for failing to win a contract.


The actual contract award that was given to the better bid, well, 
Congress has agreed to pay $850 Million of the projected $2.9 Billion 
total.


Let that sink in: The company with the better rocket at half the price 
gets less than a Billion, while Senators scramble to throw ten times as 
much at the loser.


https://www.msn.com/en-us/news/technology/bezos-blue-origin-may-get-second-shot-at-nasa-dollars-via-e2-80-98bailout-e2-80-99-amendment/ar-AAKnxOs

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Re: [MBZ] OT insurance, full coverage or no?

[G Mann via Mercedes]

Humans do amazingly well, despite the fact that we come to this world
naked, hungry, unable to speak, and have no manual for operation on
arrival.
Couple all that with the uncomfortable fact that the people you were born
to also have no parenting manual to follow, and it's a real success story
that any of us survive.. ;))

On Thu, May 27, 2021 at 10:24 AM Dan Penoff via Mercedes <
mercedes@okiebenz.com> wrote:

> I’m in absolute agreement with you. My point was as my Dad always said
> when we were school aged people:
>
> “Your “job” as it were is to focus on your studies and become educated.”
>
> We had to work for spending money, but things that weren’t easily
> attainable working no more than 20 hours a week at minimum wage were either
> provided to us or subsidized in some manner. The point being is that it’s
> easy for a young person to lose focus on what’s important at that time in
> life and go off the rails, for example, work too much in order to generate
> money and let education slip. That was not acceptable in my household, as
> everyone was expected to have their nose in the books and be a successful
> student.
>
> Providing funding for essential needs, like car insurance, doesn’t derail
> or redirect someone’s performance. Not only that, making sure there is an
> understanding of the significance of such benefits has value as well. And
> no one gets a free ride - that assistance comes with strings attached, such
> as responsibilities around the house.
>
> -D
>
> > On May 27, 2021, at 12:53 PM, G Mann via Mercedes 
> wrote:
> >
> > I am in total agreement with you, except on one point which I hold as
> very
> > important.
> > That point is, not all learning happens in school. Life does not give
> > participation trophies for attendance, only for performance. The
> principle
> > that adulthood is suddenly bestowed upon a young person because they have
> > reached a certain age is not valid. The abilities of learning at school
> and
> > performing in other areas concurrently are joint, not separate, in real
> > life. As adult parents and mentors, I hold it is our duty to guide
> children
> > to be "young adults in training" through the growth experience. We hold
> > their hands while they learn to walk, but soon they take great pride in
> > walking on their own.. The rest of growing up to adulthood is a strong
> > parallel to that early moment.
> >
> > My Grandmother [who was truly a saint who raised 11 highly successful
> > children] said often, "There are no bad children, only bad parents."   I
> > find wisdom and guidance in those words.
> >
> > On Thu, May 27, 2021 at 3:26 AM Dan Penoff via Mercedes <
> > mercedes@okiebenz.com> wrote:
> >
> >> While in principle I agree with you, as when one is paying for something
> >> out of their own money it suddenly has value, it’s not realistic in
> places
> >> like Florida where a teenage driver’s insurance can be several thousand
> >> dollars a year. That and I don’t want my kids having to work their
> bottoms
> >> off trying to pay bills when they need to be focused on learning and
> >> getting good grades. Once they get out in the workforce or leave home,
> >> certainly, they can assume the mantle of adulthood and be responsible.
> AS
> >> long as they’re at home and in school, I’ll subsidize some (not all) of
> >> their expenses in order to keep them focused on learning.
> >>
> >> -D
> >>
> >>> On May 27, 2021, at 2:01 AM, G Mann via Mercedes <
> mercedes@okiebenz.com>
> >> wrote:
> >>>
> >>> My house rules on cars for kids was:  [all responsible adults now] :
> >>> "If you are old enough and mature enough to drive, you are old enough
> and
> >>> mature enough to earn enough money to buy and support your own car,
> >>> including insurance and license expenses. "
> >>> "Part of your training to become a responsible adult and be treated
> like
> >>> one, is to take responsibility for your own actions and things. I'm
> only
> >>> here to offer guidance about how you can accomplish those personal
> goals.
> >>> If you want to have a car to drive, you have to want to support the
> >>> expenses to keep it legally insured and safe to drive. "
> >>>
> >>> Some call it the "tough love approach", however, my view is, childhood
> is
> >>> best defined as "adults in training".
> >>>
> >>>
> >>> On Wed, May 26, 2021 at 7:36 PM Max Dillon via Mercedes <
> >>> mercedes@okiebenz.com> wrote:
> >>>
>  I'd say depends on the drivers too.  Youngish may mean expensive
>  insurance, but the driver has matured and can drive and care for a
> >> decent
>  car.  25 years old is a number that the insco used to use as the
> >> arbitrary
>  dividing line, may still be.
> 
>  I would not carry full coverage on a $5k car, but I have a nice
> >> emergency
>  fund that can cover a replacement.  I'm self insured, don't need to
> pay
> >> the
>  insco beyond liability.
> 
>  Are you the bank of Mom & Dad?
> 
>  Max Dillon
>  

Re: [MBZ] OT insurance, full coverage or no?

[Dan Penoff via Mercedes]

I’m in absolute agreement with you. My point was as my Dad always said when we 
were school aged people:

“Your “job” as it were is to focus on your studies and become educated.”

We had to work for spending money, but things that weren’t easily attainable 
working no more than 20 hours a week at minimum wage were either provided to us 
or subsidized in some manner. The point being is that it’s easy for a young 
person to lose focus on what’s important at that time in life and go off the 
rails, for example, work too much in order to generate money and let education 
slip. That was not acceptable in my household, as everyone was expected to have 
their nose in the books and be a successful student.

Providing funding for essential needs, like car insurance, doesn’t derail or 
redirect someone’s performance. Not only that, making sure there is an 
understanding of the significance of such benefits has value as well. And no 
one gets a free ride - that assistance comes with strings attached, such as 
responsibilities around the house.

-D

> On May 27, 2021, at 12:53 PM, G Mann via Mercedes  
> wrote:
> 
> I am in total agreement with you, except on one point which I hold as very
> important.
> That point is, not all learning happens in school. Life does not give
> participation trophies for attendance, only for performance. The principle
> that adulthood is suddenly bestowed upon a young person because they have
> reached a certain age is not valid. The abilities of learning at school and
> performing in other areas concurrently are joint, not separate, in real
> life. As adult parents and mentors, I hold it is our duty to guide children
> to be "young adults in training" through the growth experience. We hold
> their hands while they learn to walk, but soon they take great pride in
> walking on their own.. The rest of growing up to adulthood is a strong
> parallel to that early moment.
> 
> My Grandmother [who was truly a saint who raised 11 highly successful
> children] said often, "There are no bad children, only bad parents."   I
> find wisdom and guidance in those words.
> 
> On Thu, May 27, 2021 at 3:26 AM Dan Penoff via Mercedes <
> mercedes@okiebenz.com> wrote:
> 
>> While in principle I agree with you, as when one is paying for something
>> out of their own money it suddenly has value, it’s not realistic in places
>> like Florida where a teenage driver’s insurance can be several thousand
>> dollars a year. That and I don’t want my kids having to work their bottoms
>> off trying to pay bills when they need to be focused on learning and
>> getting good grades. Once they get out in the workforce or leave home,
>> certainly, they can assume the mantle of adulthood and be responsible. AS
>> long as they’re at home and in school, I’ll subsidize some (not all) of
>> their expenses in order to keep them focused on learning.
>> 
>> -D
>> 
>>> On May 27, 2021, at 2:01 AM, G Mann via Mercedes 
>> wrote:
>>> 
>>> My house rules on cars for kids was:  [all responsible adults now] :
>>> "If you are old enough and mature enough to drive, you are old enough and
>>> mature enough to earn enough money to buy and support your own car,
>>> including insurance and license expenses. "
>>> "Part of your training to become a responsible adult and be treated like
>>> one, is to take responsibility for your own actions and things. I'm only
>>> here to offer guidance about how you can accomplish those personal goals.
>>> If you want to have a car to drive, you have to want to support the
>>> expenses to keep it legally insured and safe to drive. "
>>> 
>>> Some call it the "tough love approach", however, my view is, childhood is
>>> best defined as "adults in training".
>>> 
>>> 
>>> On Wed, May 26, 2021 at 7:36 PM Max Dillon via Mercedes <
>>> mercedes@okiebenz.com> wrote:
>>> 
 I'd say depends on the drivers too.  Youngish may mean expensive
 insurance, but the driver has matured and can drive and care for a
>> decent
 car.  25 years old is a number that the insco used to use as the
>> arbitrary
 dividing line, may still be.
 
 I would not carry full coverage on a $5k car, but I have a nice
>> emergency
 fund that can cover a replacement.  I'm self insured, don't need to pay
>> the
 insco beyond liability.
 
 Are you the bank of Mom & Dad?
 
 Max Dillon
 Charleston SC
 
 
 May 26, 2021 9:29:21 PM Clay via Mercedes :
 
> Carry liability only for the car the younglings drive.  Ban them from
 other examples which cost more and put full coverage.  Stock up some
>> cash
 to replace the kiddy car when it gets smashed up
> 
> clay
> 
> I have no pronouns please do not refer to me.
> 
> 
> 
>> On May 26, 2021, at 11:56 AM, Allan Streib via Mercedes <
 mercedes@okiebenz.com> wrote:
>> 
>> Would you carry full coverage on a $5,000 car, or liability only?
>> 
>> Looking over the coverages on my fleet 

Re: [MBZ] OT insurance, full coverage or no?

[G Mann via Mercedes]

I am in total agreement with you, except on one point which I hold as very
important.
That point is, not all learning happens in school. Life does not give
participation trophies for attendance, only for performance. The principle
that adulthood is suddenly bestowed upon a young person because they have
reached a certain age is not valid. The abilities of learning at school and
performing in other areas concurrently are joint, not separate, in real
life. As adult parents and mentors, I hold it is our duty to guide children
to be "young adults in training" through the growth experience. We hold
their hands while they learn to walk, but soon they take great pride in
walking on their own.. The rest of growing up to adulthood is a strong
parallel to that early moment.

My Grandmother [who was truly a saint who raised 11 highly successful
children] said often, "There are no bad children, only bad parents."   I
find wisdom and guidance in those words.

On Thu, May 27, 2021 at 3:26 AM Dan Penoff via Mercedes <
mercedes@okiebenz.com> wrote:

> While in principle I agree with you, as when one is paying for something
> out of their own money it suddenly has value, it’s not realistic in places
> like Florida where a teenage driver’s insurance can be several thousand
> dollars a year. That and I don’t want my kids having to work their bottoms
> off trying to pay bills when they need to be focused on learning and
> getting good grades. Once they get out in the workforce or leave home,
> certainly, they can assume the mantle of adulthood and be responsible. AS
> long as they’re at home and in school, I’ll subsidize some (not all) of
> their expenses in order to keep them focused on learning.
>
> -D
>
> > On May 27, 2021, at 2:01 AM, G Mann via Mercedes 
> wrote:
> >
> > My house rules on cars for kids was:  [all responsible adults now] :
> > "If you are old enough and mature enough to drive, you are old enough and
> > mature enough to earn enough money to buy and support your own car,
> > including insurance and license expenses. "
> > "Part of your training to become a responsible adult and be treated like
> > one, is to take responsibility for your own actions and things. I'm only
> > here to offer guidance about how you can accomplish those personal goals.
> > If you want to have a car to drive, you have to want to support the
> > expenses to keep it legally insured and safe to drive. "
> >
> > Some call it the "tough love approach", however, my view is, childhood is
> > best defined as "adults in training".
> >
> >
> > On Wed, May 26, 2021 at 7:36 PM Max Dillon via Mercedes <
> > mercedes@okiebenz.com> wrote:
> >
> >> I'd say depends on the drivers too.  Youngish may mean expensive
> >> insurance, but the driver has matured and can drive and care for a
> decent
> >> car.  25 years old is a number that the insco used to use as the
> arbitrary
> >> dividing line, may still be.
> >>
> >> I would not carry full coverage on a $5k car, but I have a nice
> emergency
> >> fund that can cover a replacement.  I'm self insured, don't need to pay
> the
> >> insco beyond liability.
> >>
> >> Are you the bank of Mom & Dad?
> >>
> >> Max Dillon
> >> Charleston SC
> >>
> >>
> >> May 26, 2021 9:29:21 PM Clay via Mercedes :
> >>
> >>> Carry liability only for the car the younglings drive.  Ban them from
> >> other examples which cost more and put full coverage.  Stock up some
> cash
> >> to replace the kiddy car when it gets smashed up
> >>>
> >>> clay
> >>>
> >>> I have no pronouns please do not refer to me.
> >>>
> >>>
> >>>
>  On May 26, 2021, at 11:56 AM, Allan Streib via Mercedes <
> >> mercedes@okiebenz.com> wrote:
> 
>  Would you carry full coverage on a $5,000 car, or liability only?
> 
>  Looking over the coverages on my fleet and trying to get the costs
> down
>  with 3 "youthful" drivers.
> 
>  Allan
> >>> ___
> >>> http://www.okiebenz.com
> >>>
> >>> To search list archives http://www.okiebenz.com/archive/
> >>>
> >>> To Unsubscribe or change delivery options go to:
> >>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >>
> >> ___
> >> http://www.okiebenz.com
> >>
> >> To search list archives http://www.okiebenz.com/archive/
> >>
> >> To Unsubscribe or change delivery options go to:
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> >>
> >>
> > ___
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> >
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> >
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> >
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>

Re: [MBZ] OT insurance, full coverage or no?

[Randy Bennell via Mercedes]

I was also of the belief that it was safer for my boys to drive than to 
ride with other young friends.



On 27/05/2021 5:26 AM, Dan Penoff via Mercedes wrote:

While in principle I agree with you, as when one is paying for something out of 
their own money it suddenly has value, it’s not realistic in places like 
Florida where a teenage driver’s insurance can be several thousand dollars a 
year. That and I don’t want my kids having to work their bottoms off trying to 
pay bills when they need to be focused on learning and getting good grades. 
Once they get out in the workforce or leave home, certainly, they can assume 
the mantle of adulthood and be responsible. AS long as they’re at home and in 
school, I’ll subsidize some (not all) of their expenses in order to keep them 
focused on learning.

-D


On May 27, 2021, at 2:01 AM, G Mann via Mercedes  wrote:

My house rules on cars for kids was:  [all responsible adults now] :
"If you are old enough and mature enough to drive, you are old enough and
mature enough to earn enough money to buy and support your own car,
including insurance and license expenses. "
"Part of your training to become a responsible adult and be treated like
one, is to take responsibility for your own actions and things. I'm only
here to offer guidance about how you can accomplish those personal goals.
If you want to have a car to drive, you have to want to support the
expenses to keep it legally insured and safe to drive. "

Some call it the "tough love approach", however, my view is, childhood is
best defined as "adults in training".





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Re: [MBZ] OT insurance, full coverage or no?

[Kaleb Striplin via Mercedes]

That is my rule as well. They have to get their own separate policy with their 
own company. 

Sent from my iPhone

> On May 27, 2021, at 1:02 AM, G Mann via Mercedes  
> wrote:
> 
> My house rules on cars for kids was:  [all responsible adults now] :
> "If you are old enough and mature enough to drive, you are old enough and
> mature enough to earn enough money to buy and support your own car,
> including insurance and license expenses. "
> "Part of your training to become a responsible adult and be treated like
> one, is to take responsibility for your own actions and things. I'm only
> here to offer guidance about how you can accomplish those personal goals.
> If you want to have a car to drive, you have to want to support the
> expenses to keep it legally insured and safe to drive. "
> 
> Some call it the "tough love approach", however, my view is, childhood is
> best defined as "adults in training".
> 
> 
>> On Wed, May 26, 2021 at 7:36 PM Max Dillon via Mercedes <
>> mercedes@okiebenz.com> wrote:
>> 
>> I'd say depends on the drivers too.  Youngish may mean expensive
>> insurance, but the driver has matured and can drive and care for a decent
>> car.  25 years old is a number that the insco used to use as the arbitrary
>> dividing line, may still be.
>> 
>> I would not carry full coverage on a $5k car, but I have a nice emergency
>> fund that can cover a replacement.  I'm self insured, don't need to pay the
>> insco beyond liability.
>> 
>> Are you the bank of Mom & Dad?
>> 
>> Max Dillon
>> Charleston SC
>> 
>> 
>> May 26, 2021 9:29:21 PM Clay via Mercedes :
>> 
>>> Carry liability only for the car the younglings drive.  Ban them from
>> other examples which cost more and put full coverage.  Stock up some cash
>> to replace the kiddy car when it gets smashed up
>>> 
>>> clay
>>> 
>>> I have no pronouns please do not refer to me.
>>> 
>>> 
>>> 
 On May 26, 2021, at 11:56 AM, Allan Streib via Mercedes <
>> mercedes@okiebenz.com> wrote:
 
 Would you carry full coverage on a $5,000 car, or liability only?
 
 Looking over the coverages on my fleet and trying to get the costs down
 with 3 "youthful" drivers.
 
 Allan
>>> ___
>>> http://www.okiebenz.com
>>> 
>>> To search list archives http://www.okiebenz.com/archive/
>>> 
>>> To Unsubscribe or change delivery options go to:
>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>> 
>> ___
>> http://www.okiebenz.com
>> 
>> To search list archives http://www.okiebenz.com/archive/
>> 
>> To Unsubscribe or change delivery options go to:
>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>> 
>> 
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Re: [MBZ] OT insurance, full coverage or no?

[Dan Penoff via Mercedes]

While in principle I agree with you, as when one is paying for something out of 
their own money it suddenly has value, it’s not realistic in places like 
Florida where a teenage driver’s insurance can be several thousand dollars a 
year. That and I don’t want my kids having to work their bottoms off trying to 
pay bills when they need to be focused on learning and getting good grades. 
Once they get out in the workforce or leave home, certainly, they can assume 
the mantle of adulthood and be responsible. AS long as they’re at home and in 
school, I’ll subsidize some (not all) of their expenses in order to keep them 
focused on learning.

-D

> On May 27, 2021, at 2:01 AM, G Mann via Mercedes  
> wrote:
> 
> My house rules on cars for kids was:  [all responsible adults now] :
> "If you are old enough and mature enough to drive, you are old enough and
> mature enough to earn enough money to buy and support your own car,
> including insurance and license expenses. "
> "Part of your training to become a responsible adult and be treated like
> one, is to take responsibility for your own actions and things. I'm only
> here to offer guidance about how you can accomplish those personal goals.
> If you want to have a car to drive, you have to want to support the
> expenses to keep it legally insured and safe to drive. "
> 
> Some call it the "tough love approach", however, my view is, childhood is
> best defined as "adults in training".
> 
> 
> On Wed, May 26, 2021 at 7:36 PM Max Dillon via Mercedes <
> mercedes@okiebenz.com> wrote:
> 
>> I'd say depends on the drivers too.  Youngish may mean expensive
>> insurance, but the driver has matured and can drive and care for a decent
>> car.  25 years old is a number that the insco used to use as the arbitrary
>> dividing line, may still be.
>> 
>> I would not carry full coverage on a $5k car, but I have a nice emergency
>> fund that can cover a replacement.  I'm self insured, don't need to pay the
>> insco beyond liability.
>> 
>> Are you the bank of Mom & Dad?
>> 
>> Max Dillon
>> Charleston SC
>> 
>> 
>> May 26, 2021 9:29:21 PM Clay via Mercedes :
>> 
>>> Carry liability only for the car the younglings drive.  Ban them from
>> other examples which cost more and put full coverage.  Stock up some cash
>> to replace the kiddy car when it gets smashed up
>>> 
>>> clay
>>> 
>>> I have no pronouns please do not refer to me.
>>> 
>>> 
>>> 
 On May 26, 2021, at 11:56 AM, Allan Streib via Mercedes <
>> mercedes@okiebenz.com> wrote:
 
 Would you carry full coverage on a $5,000 car, or liability only?
 
 Looking over the coverages on my fleet and trying to get the costs down
 with 3 "youthful" drivers.
 
 Allan
>>> ___
>>> http://www.okiebenz.com
>>> 
>>> To search list archives http://www.okiebenz.com/archive/
>>> 
>>> To Unsubscribe or change delivery options go to:
>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>> 
>> ___
>> http://www.okiebenz.com
>> 
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>> 
>> To Unsubscribe or change delivery options go to:
>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>> 
>> 
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> 
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> 


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Re: [MBZ] OT insurance, full coverage or no?

[G Mann via Mercedes]

My house rules on cars for kids was:  [all responsible adults now] :
"If you are old enough and mature enough to drive, you are old enough and
mature enough to earn enough money to buy and support your own car,
including insurance and license expenses. "
"Part of your training to become a responsible adult and be treated like
one, is to take responsibility for your own actions and things. I'm only
here to offer guidance about how you can accomplish those personal goals.
If you want to have a car to drive, you have to want to support the
expenses to keep it legally insured and safe to drive. "

Some call it the "tough love approach", however, my view is, childhood is
best defined as "adults in training".


On Wed, May 26, 2021 at 7:36 PM Max Dillon via Mercedes <
mercedes@okiebenz.com> wrote:

> I'd say depends on the drivers too.  Youngish may mean expensive
> insurance, but the driver has matured and can drive and care for a decent
> car.  25 years old is a number that the insco used to use as the arbitrary
> dividing line, may still be.
>
> I would not carry full coverage on a $5k car, but I have a nice emergency
> fund that can cover a replacement.  I'm self insured, don't need to pay the
> insco beyond liability.
>
> Are you the bank of Mom & Dad?
>
> Max Dillon
> Charleston SC
>
>
> May 26, 2021 9:29:21 PM Clay via Mercedes :
>
> > Carry liability only for the car the younglings drive.  Ban them from
> other examples which cost more and put full coverage.  Stock up some cash
> to replace the kiddy car when it gets smashed up
> >
> > clay
> >
> > I have no pronouns please do not refer to me.
> >
> >
> >
> >> On May 26, 2021, at 11:56 AM, Allan Streib via Mercedes <
> mercedes@okiebenz.com> wrote:
> >>
> >> Would you carry full coverage on a $5,000 car, or liability only?
> >>
> >> Looking over the coverages on my fleet and trying to get the costs down
> >> with 3 "youthful" drivers.
> >>
> >> Allan
> > ___
> > http://www.okiebenz.com
> >
> > To search list archives http://www.okiebenz.com/archive/
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
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>
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>
>
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Re: [MBZ] OT insurance, full coverage or no?

[Max Dillon via Mercedes]

I'd say depends on the drivers too.  Youngish may mean expensive insurance, but 
the driver has matured and can drive and care for a decent car.  25 years old 
is a number that the insco used to use as the arbitrary dividing line, may 
still be.

I would not carry full coverage on a $5k car, but I have a nice emergency fund 
that can cover a replacement.  I'm self insured, don't need to pay the insco 
beyond liability.

Are you the bank of Mom & Dad?  

Max Dillon
Charleston SC


May 26, 2021 9:29:21 PM Clay via Mercedes :

> Carry liability only for the car the younglings drive.  Ban them from other 
> examples which cost more and put full coverage.  Stock up some cash to 
> replace the kiddy car when it gets smashed up
> 
> clay
> 
> I have no pronouns please do not refer to me.
> 
> 
> 
>> On May 26, 2021, at 11:56 AM, Allan Streib via Mercedes 
>>  wrote:
>> 
>> Would you carry full coverage on a $5,000 car, or liability only?
>> 
>> Looking over the coverages on my fleet and trying to get the costs down
>> with 3 "youthful" drivers.
>> 
>> Allan
> ___
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> 
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> 
> To Unsubscribe or change delivery options go to:
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Re: [MBZ] OT insurance, full coverage or no?

[Clay via Mercedes]

Carry liability only for the car the younglings drive.  Ban them from other 
examples which cost more and put full coverage.  Stock up some cash to replace 
the kiddy car when it gets smashed up

clay 

I have no pronouns please do not refer to me.



> On May 26, 2021, at 11:56 AM, Allan Streib via Mercedes 
>  wrote:
> 
> Would you carry full coverage on a $5,000 car, or liability only?
> 
> Looking over the coverages on my fleet and trying to get the costs down
> with 3 "youthful" drivers.
> 
> Allan
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Re: [MBZ] OT insurance, full coverage or no?

[Curt Raymond via Mercedes]

Our insurance agent talked me into some low cost replacement for full coverage. 
I can't remember what it's called but it too my bill down something like $500...
Curt

Sent from Yahoo Mail on Android 
 
  On Wed, May 26, 2021 at 3:56 PM, Allan Streib via 
Mercedes wrote:   Would you carry full coverage on a 
$5,000 car, or liability only?

Looking over the coverages on my fleet and trying to get the costs down
with 3 "youthful" drivers.

Allan

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Re: [MBZ] OT insurance, full coverage or no?

[Kaleb Striplin via Mercedes]

The rule of thumb is 10%. If the annual premium is over 10% of the value of the 
car less deductible, it’s not worth it. 

Sent from my iPhone

> On May 26, 2021, at 2:56 PM, Allan Streib via Mercedes 
>  wrote:
> 
> Would you carry full coverage on a $5,000 car, or liability only?
> 
> Looking over the coverages on my fleet and trying to get the costs down
> with 3 "youthful" drivers.
> 
> Allan
> 
> ___
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> 
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> 
> To Unsubscribe or change delivery options go to:
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> 


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Re: [MBZ] OT insurance, full coverage or no?

[Dwight Giles via Mercedes]

I would depending on collectability of yhe car & how much i liked it. Like
my CD.

Dwight Giles Jr.
Wickford RI

On Wed, May 26, 2021, 3:56 PM Allan Streib via Mercedes <
mercedes@okiebenz.com> wrote:

> Would you carry full coverage on a $5,000 car, or liability only?
>
> Looking over the coverages on my fleet and trying to get the costs down
> with 3 "youthful" drivers.
>
> Allan
>
> ___
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>
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>
> To Unsubscribe or change delivery options go to:
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>
>
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Re: [MBZ] OT insurance, full coverage or no?

[Dan Penoff via Mercedes]

This is a loaded question. More importantly, what’s your level of comfort with 
the risk of having to replace a $5,000 car on short notice? And what’s the 
difference in cost between full coverage and minimal coverage?

I carry collision on both of our cars because the difference would take 3-4 
years to recoup. For that I would rather spend the money up front and transfer 
the risk to the insurance company. I can afford to lay out $5k on a “new” car 
on short notice, if necessary, but if it’s only costing me a few hundred 
dollars a year for full coverage, it will take a long time to use up that $5k.

-D

> On May 26, 2021, at 3:56 PM, Allan Streib via Mercedes 
>  wrote:
> 
> Would you carry full coverage on a $5,000 car, or liability only?
> 
> Looking over the coverages on my fleet and trying to get the costs down
> with 3 "youthful" drivers.
> 
> Allan
> 
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> 
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> 
> To Unsubscribe or change delivery options go to:
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> 


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Re: [MBZ] OT insurance, full coverage or no?

[Rick Knoble via Mercedes]

Me personally I would not. PL and PD, no comprehensive. If I did carry 
comprehensive (full coverage) I would have a very high deductible. With used 
car prices what they are, maybe full coverage is wise for you and your 
situation, especially if immediate auto replacement is necessary (no spare 
vehicle).


Rick

From: mercedes@okiebenz.com
Sent: May 26, 2021 3:56 PM
To: mercedes@okiebenz.com
Reply-to: mercedes@okiebenz.com
Cc: astr...@indiana.edu
Subject: [MBZ] OT insurance, full coverage or no?

Would you carry full coverage on a $5,000 car, or liability only?

Looking over the coverages on my fleet and trying to get the costs down
with 3 "youthful" drivers.

Allan

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Re: [MBZ] OT - Insurance

[OK Don via Mercedes]

Yes, and I think the deductible is $500. Stated value insurance is for a
higher amount than the cars, but the premium is about the same.

On Thu, Dec 8, 2016 at 9:00 AM, Andrew Strasfogel via Mercedes <
mercedes@okiebenz.com> wrote:

> Is OK Don covered for Cessna fender benders?  What's your deductible?
>
> On Thu, Dec 8, 2016 at 6:53 AM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com> wrote:
>
>
>


-- 
OK Don

*“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many of
our people need it sorely on these accounts.”* – Mark Twain

"There are three kinds of men: The ones that learns by reading. The few who
learn by observation. The rest of them have to pee on the electric fence
for themselves."

WILL ROGERS, *The Manly Wisdom of Will Rogers*
2013 F150, 18 mpg
2012 Passat TDI DSG, 44 mpg
1957 C182A, 12 mpg - but at 150 mph!
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Re: [MBZ] OT - Insurance

[Andrew Strasfogel via Mercedes]

Is OK Don covered for Cessna fender benders?  What's your deductible?

On Thu, Dec 8, 2016 at 6:53 AM, Dan Penoff via Mercedes <
mercedes@okiebenz.com> wrote:

> Exactly. Hagerty requires you to have proof of a primary or "daily driver"
> vehicle for each licensed driver in the household.
>
> Dan
>
> > On Dec 7, 2016, at 11:32 PM, Karl Wittnebel via Mercedes <
> mercedes@okiebenz.com> wrote:
> >
> > So one car has regular insurance, and the second one gets collector car.
> >
> >> On Dec 7, 2016 5:49 PM, "OK Don via Mercedes" 
> wrote:
> >>
> >> Hmmm . my primary vehicle is a Cessna. It get's the most miles per year
> >> now. If we don't have bad weather and HAVE to drive somewhere, the cars
> get
> >> 5000 miles per year - a trip into town once a week or so.
> >>
> >> On Wed, Dec 7, 2016 at 3:14 PM, Karl Wittnebel via Mercedes <
> >> mercedes@okiebenz.com> wrote:
> >>
> >>> They will not write on a primary vehicle fyi.
> >>>
> >>>
> >>>
> >>
> >>
> >> --
> >> OK Don
> >>
> >> *“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many
> of
> >> our people need it sorely on these accounts.”* – Mark Twain
> >>
> >> "There are three kinds of men: The ones that learns by reading. The few
> who
> >> learn by observation. The rest of them have to pee on the electric fence
> >> for themselves."
> >>
> >> WILL ROGERS, *The Manly Wisdom of Will Rogers*
> >> 2013 F150, 18 mpg
> >> 2012 Passat TDI DSG, 44 mpg
> >> 1957 C182A, 12 mpg - but at 150 mph!
> >> ___
> >> http://www.okiebenz.com
> >>
> >> To search list archives http://www.okiebenz.com/archive/
> >>
> >> To Unsubscribe or change delivery options go to:
> >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >>
> >>
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> >
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> >
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> >
>
>
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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Exactly. Hagerty requires you to have proof of a primary or "daily driver" 
vehicle for each licensed driver in the household.

Dan

> On Dec 7, 2016, at 11:32 PM, Karl Wittnebel via Mercedes 
>  wrote:
> 
> So one car has regular insurance, and the second one gets collector car.
> 
>> On Dec 7, 2016 5:49 PM, "OK Don via Mercedes"  wrote:
>> 
>> Hmmm . my primary vehicle is a Cessna. It get's the most miles per year
>> now. If we don't have bad weather and HAVE to drive somewhere, the cars get
>> 5000 miles per year - a trip into town once a week or so.
>> 
>> On Wed, Dec 7, 2016 at 3:14 PM, Karl Wittnebel via Mercedes <
>> mercedes@okiebenz.com> wrote:
>> 
>>> They will not write on a primary vehicle fyi.
>>> 
>>> 
>>> 
>> 
>> 
>> --
>> OK Don
>> 
>> *“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many of
>> our people need it sorely on these accounts.”* – Mark Twain
>> 
>> "There are three kinds of men: The ones that learns by reading. The few who
>> learn by observation. The rest of them have to pee on the electric fence
>> for themselves."
>> 
>> WILL ROGERS, *The Manly Wisdom of Will Rogers*
>> 2013 F150, 18 mpg
>> 2012 Passat TDI DSG, 44 mpg
>> 1957 C182A, 12 mpg - but at 150 mph!
>> ___
>> http://www.okiebenz.com
>> 
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>> 
>> To Unsubscribe or change delivery options go to:
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Re: [MBZ] OT - Insurance

[Karl Wittnebel via Mercedes]

So one car has regular insurance, and the second one gets collector car.

On Dec 7, 2016 5:49 PM, "OK Don via Mercedes"  wrote:

> Hmmm . my primary vehicle is a Cessna. It get's the most miles per year
> now. If we don't have bad weather and HAVE to drive somewhere, the cars get
> 5000 miles per year - a trip into town once a week or so.
>
> On Wed, Dec 7, 2016 at 3:14 PM, Karl Wittnebel via Mercedes <
> mercedes@okiebenz.com> wrote:
>
> > They will not write on a primary vehicle fyi.
> >
> >
> >
>
>
> --
> OK Don
>
> *“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many of
> our people need it sorely on these accounts.”* – Mark Twain
>
> "There are three kinds of men: The ones that learns by reading. The few who
> learn by observation. The rest of them have to pee on the electric fence
> for themselves."
>
> WILL ROGERS, *The Manly Wisdom of Will Rogers*
> 2013 F150, 18 mpg
> 2012 Passat TDI DSG, 44 mpg
> 1957 C182A, 12 mpg - but at 150 mph!
> ___
> http://www.okiebenz.com
>
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>
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Re: [MBZ] OT - Insurance

[OK Don via Mercedes]

Hmmm . my primary vehicle is a Cessna. It get's the most miles per year
now. If we don't have bad weather and HAVE to drive somewhere, the cars get
5000 miles per year - a trip into town once a week or so.

On Wed, Dec 7, 2016 at 3:14 PM, Karl Wittnebel via Mercedes <
mercedes@okiebenz.com> wrote:

> They will not write on a primary vehicle fyi.
>
>
>


-- 
OK Don

*“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many of
our people need it sorely on these accounts.”* – Mark Twain

"There are three kinds of men: The ones that learns by reading. The few who
learn by observation. The rest of them have to pee on the electric fence
for themselves."

WILL ROGERS, *The Manly Wisdom of Will Rogers*
2013 F150, 18 mpg
2012 Passat TDI DSG, 44 mpg
1957 C182A, 12 mpg - but at 150 mph!
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Re: [MBZ] OT - Insurance

[Karl Wittnebel via Mercedes]

They will not write on a primary vehicle fyi.

On Dec 7, 2016 10:09 AM, "Andrew Strasfogel via Mercedes" <
mercedes@okiebenz.com> wrote:

> For some reason Dan is now being sent to Spam.  WTF?
>
> On Tue, Dec 6, 2016 at 10:07 PM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com> wrote:
>
> > 3,000 - 5,000 miles/year., roughly.
> >
> > Dan
> >
> >
> > > On Dec 6, 2016, at 9:40 PM, Andrew Strasfogel 
> > wrote:
> > >
> > > No limit on your driving?
> > >
> > > On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes <
> > mercedes@okiebenz.com > wrote:
> > > Heh.
> > >
> > > Just got done with the application with Hagerty for the 300D.  Called
> my
> > Allstate agent to see what would be necessary to shuffle things around
> with
> > my umbrella policy only to discover that they could have written the
> policy
> > with Hagerty.
> > >
> > > 
> > >
> > > I told them I would have done it with them to begin with, since I
> didn’t
> > know they wrote multiple lines.  They said that Hagerty lets just about
> > anyone write policies for them, so in a month or two we’ll change the
> agent
> > of record to my guy so everything is under one roof.
> > >
> > > $308.00/year, full coverage, road service, etc.  Nice.
> > >
> > > Dan
> > > ___
> > > http://www.okiebenz.com 
> > >
> > > To search list archives http://www.okiebenz.com/archive/ <
> > http://www.okiebenz.com/archive/>
> > >
> > > To Unsubscribe or change delivery options go to:
> > > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com <
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com>
> > >
> > >
> >
> > ___
> > http://www.okiebenz.com
> >
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> >
> > To Unsubscribe or change delivery options go to:
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> >
> >
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Re: [MBZ] OT - Insurance

[Andrew Strasfogel via Mercedes]

For some reason Dan is now being sent to Spam.  WTF?

On Tue, Dec 6, 2016 at 10:07 PM, Dan Penoff via Mercedes <
mercedes@okiebenz.com> wrote:

> 3,000 - 5,000 miles/year., roughly.
>
> Dan
>
>
> > On Dec 6, 2016, at 9:40 PM, Andrew Strasfogel 
> wrote:
> >
> > No limit on your driving?
> >
> > On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com > wrote:
> > Heh.
> >
> > Just got done with the application with Hagerty for the 300D.  Called my
> Allstate agent to see what would be necessary to shuffle things around with
> my umbrella policy only to discover that they could have written the policy
> with Hagerty.
> >
> > 
> >
> > I told them I would have done it with them to begin with, since I didn’t
> know they wrote multiple lines.  They said that Hagerty lets just about
> anyone write policies for them, so in a month or two we’ll change the agent
> of record to my guy so everything is under one roof.
> >
> > $308.00/year, full coverage, road service, etc.  Nice.
> >
> > Dan
> > ___
> > http://www.okiebenz.com 
> >
> > To search list archives http://www.okiebenz.com/archive/ <
> http://www.okiebenz.com/archive/>
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com <
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> >
> >
>
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Re: [MBZ] OT - Insurance

[Curley McLain via Mercedes]

It needs a run down to the FL miniQ.

Andrew Strasfogel via Mercedes 
December 7, 2016 at 10:15 AM
That would work for me. My daily driver 300TD barely scores 5k miles/yr.


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Re: [MBZ] OT - Insurance

[Andrew Strasfogel via Mercedes]

I do what I can, man, but the trips rarely exceed 25 miles RT.

On Wed, Dec 7, 2016 at 11:17 AM, Curt Raymond via Mercedes <
mercedes@okiebenz.com> wrote:

> Tragic!Take that car out on the open road and show it some love...
> -Curt
>
>   From: Andrew Strasfogel <astrasfo...@gmail.com>
>  To: Curt Raymond <curtlud...@yahoo.com>; Mercedes Discussion List <
> mercedes@okiebenz.com>
>  Sent: Wednesday, December 7, 2016 11:15 AM
>  Subject: Re: [MBZ] OT - Insurance
>
> That would work for me.  My daily driver 300TD barely scores 5k miles/yr.
> On Wed, Dec 7, 2016 at 9:13 AM, Curt Raymond via Mercedes <
> mercedes@okiebenz.com> wrote:
>
> Around the block a couple times. I'm on track to drive more than half of
> that this month...
> -Curt
>
>   From: Dan Penoff via Mercedes <mercedes@okiebenz.com>
>  To: Mercedes List <mercedes@okiebenz.com>
> Cc: Dan Penoff <d...@penoff.com>
>  Sent: Tuesday, December 6, 2016 10:07 PM
>  Subject: Re: [MBZ] OT - Insurance
>
> 3,000 - 5,000 miles/year., roughly.
>
> Dan
>
>
> > On Dec 6, 2016, at 9:40 PM, Andrew Strasfogel <astrasfo...@gmail.com>
> wrote:
> >
> > No limit on your driving?
> >
> > On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com <mailto:mercedes@okiebenz.com> > wrote:
> > Heh.
> >
> > Just got done with the application with Hagerty for the 300D.  Called my
> Allstate agent to see what would be necessary to shuffle things around with
> my umbrella policy only to discover that they could have written the policy
> with Hagerty.
> >
> > 
> >
> > I told them I would have done it with them to begin with, since I didn’t
> know they wrote multiple lines.  They said that Hagerty lets just about
> anyone write policies for them, so in a month or two we’ll change the agent
> of record to my guy so everything is under one roof.
> >
> > $308.00/year, full coverage, road service, etc.  Nice.
> >
> > Dan
> > __ _
> > http://www.okiebenz.com <http://www.okiebenz.com/>
> >
> > To search list archives http://www.okiebenz.com/ archive/ <
> http://www.okiebenz.com/ archive/>
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/ mailman/listinfo/mercedes_ okiebenz.com <
> http://mail.okiebenz.com/ mailman/listinfo/mercedes_ okiebenz.com>
> >
> >
>
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>
>
>
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Re: [MBZ] OT - Insurance

[Curt Raymond via Mercedes]

Tragic!Take that car out on the open road and show it some love...
-Curt

  From: Andrew Strasfogel <astrasfo...@gmail.com>
 To: Curt Raymond <curtlud...@yahoo.com>; Mercedes Discussion List 
<mercedes@okiebenz.com> 
 Sent: Wednesday, December 7, 2016 11:15 AM
 Subject: Re: [MBZ] OT - Insurance
   
That would work for me.  My daily driver 300TD barely scores 5k miles/yr.
On Wed, Dec 7, 2016 at 9:13 AM, Curt Raymond via Mercedes 
<mercedes@okiebenz.com> wrote:

Around the block a couple times. I'm on track to drive more than half of that 
this month...
-Curt

      From: Dan Penoff via Mercedes <mercedes@okiebenz.com>
 To: Mercedes List <mercedes@okiebenz.com>
Cc: Dan Penoff <d...@penoff.com>
 Sent: Tuesday, December 6, 2016 10:07 PM
 Subject: Re: [MBZ] OT - Insurance

3,000 - 5,000 miles/year., roughly.

Dan


> On Dec 6, 2016, at 9:40 PM, Andrew Strasfogel <astrasfo...@gmail.com> wrote:
>
> No limit on your driving?
>
> On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes 
> <mercedes@okiebenz.com <mailto:mercedes@okiebenz.com> > wrote:
> Heh.
>
> Just got done with the application with Hagerty for the 300D.  Called my 
> Allstate agent to see what would be necessary to shuffle things around with 
> my umbrella policy only to discover that they could have written the policy 
> with Hagerty.
>
> 
>
> I told them I would have done it with them to begin with, since I didn’t know 
> they wrote multiple lines.  They said that Hagerty lets just about anyone 
> write policies for them, so in a month or two we’ll change the agent of 
> record to my guy so everything is under one roof.
>
> $308.00/year, full coverage, road service, etc.  Nice.
>
> Dan
> __ _
> http://www.okiebenz.com <http://www.okiebenz.com/>
>
> To search list archives http://www.okiebenz.com/ archive/ 
> <http://www.okiebenz.com/ archive/>
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/ mailman/listinfo/mercedes_ okiebenz.com 
> <http://mail.okiebenz.com/ mailman/listinfo/mercedes_ okiebenz.com>
>
>

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Re: [MBZ] OT - Insurance

[Andrew Strasfogel via Mercedes]

That would work for me.  My daily driver 300TD barely scores 5k miles/yr.

On Wed, Dec 7, 2016 at 9:13 AM, Curt Raymond via Mercedes <
mercedes@okiebenz.com> wrote:

> Around the block a couple times. I'm on track to drive more than half of
> that this month...
> -Curt
>
>   From: Dan Penoff via Mercedes <mercedes@okiebenz.com>
>  To: Mercedes List <mercedes@okiebenz.com>
> Cc: Dan Penoff <d...@penoff.com>
>  Sent: Tuesday, December 6, 2016 10:07 PM
>  Subject: Re: [MBZ] OT - Insurance
>
> 3,000 - 5,000 miles/year., roughly.
>
> Dan
>
>
> > On Dec 6, 2016, at 9:40 PM, Andrew Strasfogel <astrasfo...@gmail.com>
> wrote:
> >
> > No limit on your driving?
> >
> > On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com <mailto:mercedes@okiebenz.com>> wrote:
> > Heh.
> >
> > Just got done with the application with Hagerty for the 300D.  Called my
> Allstate agent to see what would be necessary to shuffle things around with
> my umbrella policy only to discover that they could have written the policy
> with Hagerty.
> >
> > 
> >
> > I told them I would have done it with them to begin with, since I didn’t
> know they wrote multiple lines.  They said that Hagerty lets just about
> anyone write policies for them, so in a month or two we’ll change the agent
> of record to my guy so everything is under one roof.
> >
> > $308.00/year, full coverage, road service, etc.  Nice.
> >
> > Dan
> > ___
> > http://www.okiebenz.com <http://www.okiebenz.com/>
> >
> > To search list archives http://www.okiebenz.com/archive/ <
> http://www.okiebenz.com/archive/>
> >
> > To Unsubscribe or change delivery options go to:
> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com <
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com>
> >
> >
>
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>
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>
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>
>
>
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Re: [MBZ] OT - Insurance

[Curt Raymond via Mercedes]

Around the block a couple times. I'm on track to drive more than half of that 
this month...
-Curt

  From: Dan Penoff via Mercedes <mercedes@okiebenz.com>
 To: Mercedes List <mercedes@okiebenz.com> 
Cc: Dan Penoff <d...@penoff.com>
 Sent: Tuesday, December 6, 2016 10:07 PM
 Subject: Re: [MBZ] OT - Insurance
   
3,000 - 5,000 miles/year., roughly.

Dan


> On Dec 6, 2016, at 9:40 PM, Andrew Strasfogel <astrasfo...@gmail.com> wrote:
> 
> No limit on your driving?
> 
> On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes 
> <mercedes@okiebenz.com <mailto:mercedes@okiebenz.com>> wrote:
> Heh.
> 
> Just got done with the application with Hagerty for the 300D.  Called my 
> Allstate agent to see what would be necessary to shuffle things around with 
> my umbrella policy only to discover that they could have written the policy 
> with Hagerty.
> 
> 
> 
> I told them I would have done it with them to begin with, since I didn’t know 
> they wrote multiple lines.  They said that Hagerty lets just about anyone 
> write policies for them, so in a month or two we’ll change the agent of 
> record to my guy so everything is under one roof.
> 
> $308.00/year, full coverage, road service, etc.  Nice.
> 
> Dan
> ___
> http://www.okiebenz.com <http://www.okiebenz.com/>
> 
> To search list archives http://www.okiebenz.com/archive/ 
> <http://www.okiebenz.com/archive/>
> 
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> 
> 

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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

3,000 - 5,000 miles/year., roughly.

Dan


> On Dec 6, 2016, at 9:40 PM, Andrew Strasfogel  wrote:
> 
> No limit on your driving?
> 
> On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes 
> > wrote:
> Heh.
> 
> Just got done with the application with Hagerty for the 300D.  Called my 
> Allstate agent to see what would be necessary to shuffle things around with 
> my umbrella policy only to discover that they could have written the policy 
> with Hagerty.
> 
> 
> 
> I told them I would have done it with them to begin with, since I didn’t know 
> they wrote multiple lines.  They said that Hagerty lets just about anyone 
> write policies for them, so in a month or two we’ll change the agent of 
> record to my guy so everything is under one roof.
> 
> $308.00/year, full coverage, road service, etc.  Nice.
> 
> Dan
> ___
> http://www.okiebenz.com 
> 
> To search list archives http://www.okiebenz.com/archive/ 
> 
> 
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com 
> 
> 
> 

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Re: [MBZ] OT - Insurance

[Andrew Strasfogel via Mercedes]

No limit on your driving?

On Tue, Dec 6, 2016 at 4:36 PM, Dan Penoff via Mercedes <
mercedes@okiebenz.com> wrote:

> Heh.
>
> Just got done with the application with Hagerty for the 300D.  Called my
> Allstate agent to see what would be necessary to shuffle things around with
> my umbrella policy only to discover that they could have written the policy
> with Hagerty.
>
> 
>
> I told them I would have done it with them to begin with, since I didn’t
> know they wrote multiple lines.  They said that Hagerty lets just about
> anyone write policies for them, so in a month or two we’ll change the agent
> of record to my guy so everything is under one roof.
>
> $308.00/year, full coverage, road service, etc.  Nice.
>
> Dan
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>
>
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Re: [MBZ] OT - Insurance

[Curley McLain via Mercedes]

Put a lock on the zipper.


clay via Mercedes 
December 5, 2016 at 11:00 PM
They want a secured location, not just a place that keeps rain off. I 
have to have a locking door


clay



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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

those are all things that make a difference as well.  Consider that my main 
line insurer (Allstate) would probably fight me tooth and nail to pay out on a 
complete loss for a car that’s 34 years old. Hagerty insures it for $5,000, no 
questions asked.  For that matter, the agent asked me if I was sure that was 
the amount I wanted, not more?

I’m doing it today.

Dan

> On Dec 6, 2016, at 12:03 AM, clay via Mercedes  wrote:
> 
> I save $250 a year in payment, dropped the deductible to pennies from $1500, 
> valuation quadrupled.
> 
> clay
> 
> 


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Re: [MBZ] OT - Insurance

[clay via Mercedes]

I save $250 a year in payment, dropped the deductible to pennies from $1500, 
valuation quadrupled.

clay


> On Dec 2, 2016, at 9:21 AM, Dan--- via Mercedes  wrote:
> 
> In my state the savings is about $900/year.
> 
> Dan
> 
> Sent from my iPad
> 
>> On Dec 2, 2016, at 12:07 PM, Mountain Man via Mercedes 
>>  wrote:
>> 
>> Curley wrote:
>>> Same thing I was thinking.  That or a fabric garage from Farmtek/Grower
>>> supply.
>> 
>> How many years of "savings" from antique insurance does it take to
>> purchase a Farmtek/Grower supply or Harbor Freight "garage"?
>> Penny-wise pound foolish?
>> mao
>> 
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>> 
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Re: [MBZ] OT - Insurance

[clay via Mercedes]

They want a secured location, not just a place that keeps rain off.   I have to 
have a locking door

clay


> On Dec 2, 2016, at 8:20 AM, Curley McLain via Mercedes 
>  wrote:
> 
> Same thing I was thinking.  That or a fabric garage from Farmtek/Grower 
> supply.
> 
> 
>> Craig via Mercedes 
>> December 2, 2016 at 9:39 AM
>> On Fri, 2 Dec 2016 08:40:07 -0500 Dwight Giles via Mercedes
>> 
>> What kind of garage is needed? How about that Harbor Freight "garage" the
>> 14-year-old bug rebuilder used?
>> 
>> 
>> Craig
> 
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Re: [MBZ] OT - Insurance

[Dan--- via Mercedes]

It is, mainly due to the state requirement for PIP (Florida is a no fault 
state.)

If I still lived in Indiana, regular insurance would be far cheaper and it 
would be of minimal benefit to go to an insurer like Chubb or Hegarty, other 
than for maybe the stated value aspect.

That being said, when I was in IN or WI, my insurer had no problem with older 
cars or stated value as long as they got to do a walk around of the car to make 
sure it was as described.

Dan

Sent from my iPad

> On Dec 2, 2016, at 12:34 PM, Curt Raymond via Mercedes 
> <mercedes@okiebenz.com> wrote:
> 
> Thats a lot but it also means your insurance is very expensive. My two VWs 
> cost about $400/yr each, the pickup is about that much by itself but I still 
> have a note on it so I have to get more coverage.
> -Curt
> 
>  From: Dan--- via Mercedes <mercedes@okiebenz.com>
> To: Mercedes Discussion List <mercedes@okiebenz.com> 
> Cc: "d...@penoff.com" <d...@penoff.com>
> Sent: Friday, December 2, 2016 12:21 PM
> Subject: Re: [MBZ] OT - Insurance
> 
> In my state the savings is about $900/year.
> 
> Dan
> 
> Sent from my iPad
> 


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Re: [MBZ] OT - Insurance

[Curt Raymond via Mercedes]

Thats a lot but it also means your insurance is very expensive. My two VWs cost 
about $400/yr each, the pickup is about that much by itself but I still have a 
note on it so I have to get more coverage.
-Curt

  From: Dan--- via Mercedes <mercedes@okiebenz.com>
 To: Mercedes Discussion List <mercedes@okiebenz.com> 
Cc: "d...@penoff.com" <d...@penoff.com>
 Sent: Friday, December 2, 2016 12:21 PM
 Subject: Re: [MBZ] OT - Insurance
   
In my state the savings is about $900/year.

Dan

Sent from my iPad

> On Dec 2, 2016, at 12:07 PM, Mountain Man via Mercedes 
> <mercedes@okiebenz.com> wrote:
> 
> Curley wrote:
>> Same thing I was thinking.  That or a fabric garage from Farmtek/Grower
>> supply.
> 
> How many years of "savings" from antique insurance does it take to
> purchase a Farmtek/Grower supply or Harbor Freight "garage"?
> Penny-wise pound foolish?
> mao
> 
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Re: [MBZ] OT - Insurance

[Dan--- via Mercedes]

In my state the savings is about $900/year.

Dan

Sent from my iPad

> On Dec 2, 2016, at 12:07 PM, Mountain Man via Mercedes 
>  wrote:
> 
> Curley wrote:
>> Same thing I was thinking.  That or a fabric garage from Farmtek/Grower
>> supply.
> 
> How many years of "savings" from antique insurance does it take to
> purchase a Farmtek/Grower supply or Harbor Freight "garage"?
> Penny-wise pound foolish?
> mao
> 
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Re: [MBZ] OT - Insurance

[Mountain Man via Mercedes]

Curley wrote:
> Same thing I was thinking.  That or a fabric garage from Farmtek/Grower
> supply.

How many years of "savings" from antique insurance does it take to
purchase a Farmtek/Grower supply or Harbor Freight "garage"?
Penny-wise pound foolish?
mao

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Re: [MBZ] OT - Insurance

[Curley McLain via Mercedes]

Same thing I was thinking.  That or a fabric garage from Farmtek/Grower 
supply.




Craig via Mercedes 
December 2, 2016 at 9:39 AM
On Fri, 2 Dec 2016 08:40:07 -0500 Dwight Giles via Mercedes

What kind of garage is needed? How about that Harbor Freight "garage" the
14-year-old bug rebuilder used?


Craig


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Re: [MBZ] OT - Insurance

[Craig via Mercedes]

On Fri, 2 Dec 2016 08:40:07 -0500 Dwight Giles via Mercedes
 wrote:

> I am trying you get antique insurance for my 82 since I just put antique
> plates on it but I don't  have a garage. Looks like JC Taylor,
> Haggerty  & Chubb all require a garage. any other suggestions?

What kind of garage is needed? How about that Harbor Freight "garage" the
14-year-old bug rebuilder used?


Craig

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Re: [MBZ] OT - Insurance

[Dan--- via Mercedes]

Carport?

Sent from my iPad

> On Dec 2, 2016, at 8:40 AM, Dwight Giles via Mercedes  
> wrote:
> 
> I am trying you get antique insurance for my 82 since I just put antique
> plates on it but I don't  have a garage. Looks like JC Taylor, Haggerty  &
> Chubb all require a garage. any other suggestions?
> I had JC Taylor on my 50 Dodge pickup for years.
> 
> Dwight Giles Jr.
> 1982 300CD
> 2005 E320 4 matic
> Wickford RI
> 
> On Dec 1, 2016 7:27 PM, "Dan Penoff via Mercedes" 
> wrote:
> 
>> Part of the deal, unlimited incidents, flatbed towing, etc.
>> 
>> I’ll have to keep the 300D in the garage and leave the 350SDL outside,
>> which I’m not keen about, but to save $1000/year in premiums, I’ll do it.
>> 
>> I’m going to call my Allstate agent tomorrow and ask them if they have
>> anything remotely competitive.  I’m sure they don’t.
>> 
>> Dan
>> 
 On Dec 1, 2016, at 7:12 PM, Max Dillon via Mercedes <
>>> mercedes@okiebenz.com> wrote:
>>> 
>>> I may get a quote for my old Benz, I wonder how competitive they'll be
>> with USAA.
>>> 
>>> Can you get break-down towing coverage as well?
>>> --
>>> Max Dillon
>>> Charleston SC
>>> '87 300TD
>>> '95 E300
>> 
>> 
>> ___
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>> 
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Re: [MBZ] OT - Insurance

[Dwight Giles via Mercedes]

I am trying you get antique insurance for my 82 since I just put antique
plates on it but I don't  have a garage. Looks like JC Taylor, Haggerty  &
Chubb all require a garage. any other suggestions?
I had JC Taylor on my 50 Dodge pickup for years.

Dwight Giles Jr.
1982 300CD
2005 E320 4 matic
Wickford RI

On Dec 1, 2016 7:27 PM, "Dan Penoff via Mercedes" 
wrote:

> Part of the deal, unlimited incidents, flatbed towing, etc.
>
> I’ll have to keep the 300D in the garage and leave the 350SDL outside,
> which I’m not keen about, but to save $1000/year in premiums, I’ll do it.
>
> I’m going to call my Allstate agent tomorrow and ask them if they have
> anything remotely competitive.  I’m sure they don’t.
>
> Dan
>
> > On Dec 1, 2016, at 7:12 PM, Max Dillon via Mercedes <
> mercedes@okiebenz.com> wrote:
> >
> > I may get a quote for my old Benz, I wonder how competitive they'll be
> with USAA.
> >
> > Can you get break-down towing coverage as well?
> > --
> > Max Dillon
> > Charleston SC
> > '87 300TD
> > '95 E300
> >
>
>
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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Part of the deal, unlimited incidents, flatbed towing, etc.

I’ll have to keep the 300D in the garage and leave the 350SDL outside, which 
I’m not keen about, but to save $1000/year in premiums, I’ll do it.

I’m going to call my Allstate agent tomorrow and ask them if they have anything 
remotely competitive.  I’m sure they don’t.

Dan

> On Dec 1, 2016, at 7:12 PM, Max Dillon via Mercedes  
> wrote:
> 
> I may get a quote for my old Benz, I wonder how competitive they'll be with 
> USAA.
> 
> Can you get break-down towing coverage as well?
> -- 
> Max Dillon
> Charleston SC
> '87 300TD
> '95 E300
> 


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Re: [MBZ] OT - Insurance

[Max Dillon via Mercedes]

I may get a quote for my old Benz, I wonder how competitive they'll be with 
USAA.

Can you get break-down towing coverage as well?
-- 
Max Dillon
Charleston SC
'87 300TD
'95 E300

On December 1, 2016 6:55:16 PM EST, Dan--- via Mercedes  
wrote:
>1982 300D.
>
>Sent from my iPad
>
>> On Dec 1, 2016, at 5:43 PM, Max Dillon via Mercedes
> wrote:
>> 
>> Which car?
>> -- 
>> Max Dillon
>> Charleston SC
>> '87 300TD
>> '95 E300
>> 
>>> On December 1, 2016 3:15:02 PM EST, Dan--- via Mercedes
> wrote:
>>> Got a quote from Hagerty today. Barely $300/year and I can drive the
>>> car regularly.
>>> 
>>> Dan
>>> 
>>> Sent from my iPad
>>> 
> On Dec 1, 2016, at 2:49 PM, Andrew Strasfogel via Mercedes
  wrote:
 
 I loved the service and flexibility of American Collectors in New
>>> Jersey.
>>> 
>>> 
>>> ___
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>>> 
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>>> 
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>> 
>> 
>
>
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Re: [MBZ] OT - Insurance

[Dan--- via Mercedes]

1982 300D.

Sent from my iPad

> On Dec 1, 2016, at 5:43 PM, Max Dillon via Mercedes  
> wrote:
> 
> Which car?
> -- 
> Max Dillon
> Charleston SC
> '87 300TD
> '95 E300
> 
>> On December 1, 2016 3:15:02 PM EST, Dan--- via Mercedes 
>>  wrote:
>> Got a quote from Hagerty today. Barely $300/year and I can drive the
>> car regularly.
>> 
>> Dan
>> 
>> Sent from my iPad
>> 
 On Dec 1, 2016, at 2:49 PM, Andrew Strasfogel via Mercedes
>>>  wrote:
>>> 
>>> I loved the service and flexibility of American Collectors in New
>> Jersey.
>> 
>> 
>> ___
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Re: [MBZ] OT - Insurance

[Max Dillon via Mercedes]

Which car?
-- 
Max Dillon
Charleston SC
'87 300TD
'95 E300

On December 1, 2016 3:15:02 PM EST, Dan--- via Mercedes  
wrote:
>Got a quote from Hagerty today. Barely $300/year and I can drive the
>car regularly.
>
>Dan
>
>Sent from my iPad
>
>> On Dec 1, 2016, at 2:49 PM, Andrew Strasfogel via Mercedes
> wrote:
>> 
>> I loved the service and flexibility of American Collectors in New
>Jersey.
>> 
>
>
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Re: [MBZ] OT - Insurance

[Dan--- via Mercedes]

Got a quote from Hagerty today. Barely $300/year and I can drive the car 
regularly.

Dan

Sent from my iPad

> On Dec 1, 2016, at 2:49 PM, Andrew Strasfogel via Mercedes 
>  wrote:
> 
> I loved the service and flexibility of American Collectors in New Jersey.
> 


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Re: [MBZ] OT - Insurance

[Andrew Strasfogel via Mercedes]

I loved the service and flexibility of American Collectors in New Jersey.

On Thu, Dec 1, 2016 at 11:48 AM, Jon Agne via Mercedes <
mercedes@okiebenz.com> wrote:

> Might want to try Dimitri’s insurance company:  http://www.jctaylor.com/ <
> http://www.jctaylor.com/>
>
>
> > On Nov 29, 2016, at 9:14 AM, Jon Agne  wrote:
> >
> > They are not good at on-line quotes.  Just call.
> >
> >
> >> On Nov 29, 2016, at 9:10 AM, Dan--- via Mercedes 
> wrote:
> >>
> >> When I attempted to do an online quote last night, the minimal value
> they listed was $25k. It wouldn't accept anything less.
> >>
> >> Dan
> >>
> >> Sent from my iPad
> >>
> >>> On Nov 29, 2016, at 9:04 AM, Jon Agne  wrote:
> >>>
> >>> This is my contact:
> >>>
> >>>
> >>>
> >>>
> >>> Nicole Marketta
> >>> Collector Vehicle Insurance Specialist
> >>> Chubb Collector Car Insurance
> >>>
> >>> 202 Hall's Mill Road
> >>> Whitehouse Station, NJ 08889
> >>> USA
> >>>
> >>> O 1-866-227-9648 ext 2362
> >>> M 908-323-0096
> >>> F 888-382-7115
> >>>
> >>> ACE and Chubb are now one.
> >>>
> >>> NONE of my vehicles are insured over $10k.
> >>>
> >>> Jon
> >>>
> >>>
>  On Nov 29, 2016, at 8:08 AM, Dan--- via Mercedes <
> mercedes@okiebenz.com> wrote:
> 
>  I ran a quote on Hagerty and it was $337/year.  Chubb wanted to
> insure it for $25k, no less.
> 
>  That's silly.
> 
>  I'll look into this more closely, as I may modify the quote from
> Hagerty for a higher mileage limit.
> 
>  Dan
> 
>  Sent from my iPad
> 
> > On Nov 29, 2016, at 7:55 AM, Dimitri via Mercedes <
> mercedes@okiebenz.com> wrote:
> >
> > I use JC Taylor
> >
> > Sent from my iPhone
> >
> >> On Nov 29, 2016, at 7:37 AM, Jon Agne via Mercedes <
> mercedes@okiebenz.com> wrote:
> >>
> >> Hagerty is good as well.  I covered a wooden sailboat with them for
> years.  I thought Chubb was a better deal on the cars.  Dimitri uses
> someone else as I do not believe that Chubb writes in MA.
> >>
> >>
> >>> On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes <
> mercedes@okiebenz.com> wrote:
> >>>
> >>> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
> >>>
> >>>
>  On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes <
> mercedes@okiebenz.com> wrote:
> 
>  What is a Chubb collector policy?
> 
>  Sent from my iPhone
> >>>
> >>>
> >>> ___
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> >>>
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> >>>
> >>> To Unsubscribe or change delivery options go to:
> >>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >>
> >>
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> >>
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> >
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> >
> >
> 
> 
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> >>>
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Re: [MBZ] OT - Insurance

[Jon Agne via Mercedes]

Might want to try Dimitri’s insurance company:  http://www.jctaylor.com/ 



> On Nov 29, 2016, at 9:14 AM, Jon Agne  wrote:
> 
> They are not good at on-line quotes.  Just call.
> 
> 
>> On Nov 29, 2016, at 9:10 AM, Dan--- via Mercedes  
>> wrote:
>> 
>> When I attempted to do an online quote last night, the minimal value they 
>> listed was $25k. It wouldn't accept anything less.
>> 
>> Dan
>> 
>> Sent from my iPad
>> 
>>> On Nov 29, 2016, at 9:04 AM, Jon Agne  wrote:
>>> 
>>> This is my contact:
>>> 
>>> 
>>> 
>>> 
>>> Nicole Marketta
>>> Collector Vehicle Insurance Specialist
>>> Chubb Collector Car Insurance 
>>> 
>>> 202 Hall's Mill Road
>>> Whitehouse Station, NJ 08889
>>> USA
>>> 
>>> O 1-866-227-9648 ext 2362
>>> M 908-323-0096
>>> F 888-382-7115
>>> 
>>> ACE and Chubb are now one.
>>> 
>>> NONE of my vehicles are insured over $10k.
>>> 
>>> Jon
>>> 
>>> 
 On Nov 29, 2016, at 8:08 AM, Dan--- via Mercedes  
 wrote:
 
 I ran a quote on Hagerty and it was $337/year.  Chubb wanted to insure it 
 for $25k, no less. 
 
 That's silly.
 
 I'll look into this more closely, as I may modify the quote from Hagerty 
 for a higher mileage limit.
 
 Dan
 
 Sent from my iPad
 
> On Nov 29, 2016, at 7:55 AM, Dimitri via Mercedes  
> wrote:
> 
> I use JC Taylor
> 
> Sent from my iPhone
> 
>> On Nov 29, 2016, at 7:37 AM, Jon Agne via Mercedes 
>>  wrote:
>> 
>> Hagerty is good as well.  I covered a wooden sailboat with them for 
>> years.  I thought Chubb was a better deal on the cars.  Dimitri uses 
>> someone else as I do not believe that Chubb writes in MA.
>> 
>> 
>>> On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes 
>>>  wrote:
>>> 
>>> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
>>> 
>>> 
 On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
  wrote:
 
 What is a Chubb collector policy?
 
 Sent from my iPhone
>>> 
>>> 
>>> ___
>>> http://www.okiebenz.com
>>> 
>>> To search list archives http://www.okiebenz.com/archive/
>>> 
>>> To Unsubscribe or change delivery options go to:
>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>> 
>> 
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>> http://www.okiebenz.com
>> 
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>> 
>> To Unsubscribe or change delivery options go to:
>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> 
> ___
> http://www.okiebenz.com
> 
> To search list archives http://www.okiebenz.com/archive/
> 
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> 
> 
 
 
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 To search list archives http://www.okiebenz.com/archive/
 
 To Unsubscribe or change delivery options go to:
 http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
 
>>> 
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>> 
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Re: [MBZ] OT - Insurance

[Meade Dillon via Mercedes]

I think it was because (wait for it)   Everyone loves Raymond!

-
Max
Charleston SC

On Wed, Nov 30, 2016 at 1:11 PM, Andrew Strasfogel via Mercedes <
mercedes@okiebenz.com> wrote:

> Oh that's hilarious!  Good thing you took that assertiveness training
> course or we would be lacking Coleman lantern expertise..
>
> On Wed, Nov 30, 2016 at 12:55 PM, Curt Raymond via Mercedes <
> mercedes@okiebenz.com> wrote:
>
> > Back when I had the stents put in our insurance company wasn't going to
> > pay for the cardiac CAT scan. I called them up and the nice woman
> explained
> > to me that at 33 years old I didn't need stents. I told her that if I
> > listened to her I'd be dead, I already had stents and was feeling much
> > better.What finally worked was when I said "I'll let you off the hook if
> > you say the following words. "I'm sorry Mr. Raymond, we refuse to pay,
> > you'll have to die.""They paid that afternoon.
> > -Curt
> >
> >   From: Floyd Thursby via Mercedes <mercedes@okiebenz.com>
> >  To: mercedes@okiebenz.com
> > Cc: Floyd Thursby <buggeredbenzm...@gmail.com>
> >  Sent: Wednesday, November 30, 2016 10:17 AM
> >  Subject: Re: [MBZ] OT - Insurance
> >
> > I was scheduled yesterday to get an MRI on my knee.  My wife asserted
> > that our annual deductible had been met so I should take care of various
> > medical matters now before the EOY.  So yesterday a girl from the MRI
> > place calls and said my cost would be $1144. WTF?  So I call up a
> > benefits mgr at wifey's place of employ, who explained that due to our
> > bilocational lifestyle, my medical stuff was out of network, such that
> > the OON deductible had not yet been met.  OOPS.
> >
> > So I get on the phone and call the rad dept up in Sparkleburg to see if
> > I can get an image up there before I go to my local ortho next Wed, they
> > say sure but the doc has to call and organize it.  So several phone
> > calls later the doc sets an appt for the scan, which is of course after
> > the ortho visit I have scheduled, which would put off any scoping for
> > more time...  So I call back the rad dept and get an appt for Tuesday
> > morning.  Fine, i will drive up there spend a coupla days and get it
> > done, save $1144.
> >
> > Then I call the ortho back and tell them I am on for Tues, she says that
> > won't be enough time to get the reading from the rad doc blahblah.  So I
> > call wifey and tell her she needs to get a rad doc lined up to read the
> > scan and ship the report off, she says she will make that happen, they
> > will either email it or make electronic access or something.  So I call
> > the ortho doc office again and explain this all to them, the girl there
> > is all noodgie that it isn't going to work etc.  I tell her I will deal
> > with it, it will all be good.
> >
> > The last coupla weeks I have learned that the system can be worked well
> > if you know what you want, tell them what they need to do, and when it
> > needs to be done and how; otherwise, they just fall into the easiest and
> > simplest mindless bureaucratic way of doing things, which doesn't
> > particularly work for the customer.  Wifey is actually quite amazed at
> > how I have managed to do deal with the bureaucratic thixotropy.
> >
> > --FT
> >
> > On 11/30/16 6:48 AM, Dan Penoff via Mercedes wrote:
> > > Don’t get me started on health insurance claims review.  We’ve become
> > our health insurance company’s worst nightmare to the point where they’ve
> > assigned a “patient advocate” to us due to our willingness to fight
> things
> > right down to the wire.  It’s not fun or pleasant, but it pays off
> > significantly. What’s really sort of sad is that now our claims go right
> > through with minimal hassle.  We rarely ever have an issue with them.
> > >
> > > Makes me wonder about all of the people who just roll over and pay the
> > bill.
> > >
> > > And thanks to all about the independent agent information.  I guess I
> > realized this was the case but never really gave it much thought.  Sort
> of
> > the same thing with financial planners in some cases.
> > >
> > > Too bad there aren’t “fee for service” insurance agents.
> > >
> > > Dan
> > >
> > >> On Nov 29, 2016, at 11:41 PM, clay via Mercedes <
> mercedes@okiebenz.com>
> > wrote:
> > >>
> > >>  From my experience, the agent will bend over backward to keep you on
&g

Re: [MBZ] OT - Insurance

[Andrew Strasfogel via Mercedes]

Oh that's hilarious!  Good thing you took that assertiveness training
course or we would be lacking Coleman lantern expertise..

On Wed, Nov 30, 2016 at 12:55 PM, Curt Raymond via Mercedes <
mercedes@okiebenz.com> wrote:

> Back when I had the stents put in our insurance company wasn't going to
> pay for the cardiac CAT scan. I called them up and the nice woman explained
> to me that at 33 years old I didn't need stents. I told her that if I
> listened to her I'd be dead, I already had stents and was feeling much
> better.What finally worked was when I said "I'll let you off the hook if
> you say the following words. "I'm sorry Mr. Raymond, we refuse to pay,
> you'll have to die.""They paid that afternoon.
> -Curt
>
>   From: Floyd Thursby via Mercedes <mercedes@okiebenz.com>
>  To: mercedes@okiebenz.com
> Cc: Floyd Thursby <buggeredbenzm...@gmail.com>
>  Sent: Wednesday, November 30, 2016 10:17 AM
>  Subject: Re: [MBZ] OT - Insurance
>
> I was scheduled yesterday to get an MRI on my knee.  My wife asserted
> that our annual deductible had been met so I should take care of various
> medical matters now before the EOY.  So yesterday a girl from the MRI
> place calls and said my cost would be $1144. WTF?  So I call up a
> benefits mgr at wifey's place of employ, who explained that due to our
> bilocational lifestyle, my medical stuff was out of network, such that
> the OON deductible had not yet been met.  OOPS.
>
> So I get on the phone and call the rad dept up in Sparkleburg to see if
> I can get an image up there before I go to my local ortho next Wed, they
> say sure but the doc has to call and organize it.  So several phone
> calls later the doc sets an appt for the scan, which is of course after
> the ortho visit I have scheduled, which would put off any scoping for
> more time...  So I call back the rad dept and get an appt for Tuesday
> morning.  Fine, i will drive up there spend a coupla days and get it
> done, save $1144.
>
> Then I call the ortho back and tell them I am on for Tues, she says that
> won't be enough time to get the reading from the rad doc blahblah.  So I
> call wifey and tell her she needs to get a rad doc lined up to read the
> scan and ship the report off, she says she will make that happen, they
> will either email it or make electronic access or something.  So I call
> the ortho doc office again and explain this all to them, the girl there
> is all noodgie that it isn't going to work etc.  I tell her I will deal
> with it, it will all be good.
>
> The last coupla weeks I have learned that the system can be worked well
> if you know what you want, tell them what they need to do, and when it
> needs to be done and how; otherwise, they just fall into the easiest and
> simplest mindless bureaucratic way of doing things, which doesn't
> particularly work for the customer.  Wifey is actually quite amazed at
> how I have managed to do deal with the bureaucratic thixotropy.
>
> --FT
>
> On 11/30/16 6:48 AM, Dan Penoff via Mercedes wrote:
> > Don’t get me started on health insurance claims review.  We’ve become
> our health insurance company’s worst nightmare to the point where they’ve
> assigned a “patient advocate” to us due to our willingness to fight things
> right down to the wire.  It’s not fun or pleasant, but it pays off
> significantly. What’s really sort of sad is that now our claims go right
> through with minimal hassle.  We rarely ever have an issue with them.
> >
> > Makes me wonder about all of the people who just roll over and pay the
> bill.
> >
> > And thanks to all about the independent agent information.  I guess I
> realized this was the case but never really gave it much thought.  Sort of
> the same thing with financial planners in some cases.
> >
> > Too bad there aren’t “fee for service” insurance agents.
> >
> > Dan
> >
> >> On Nov 29, 2016, at 11:41 PM, clay via Mercedes <mercedes@okiebenz.com>
> wrote:
> >>
> >>  From my experience, the agent will bend over backward to keep you on
> his books and will toss you under the bus is he can move you to another
> insco.  They will not fight for you if there is a claim that is not going
> your way.  The money is in NOT making the payout.  SiL does health insco
> adjustment.  This means she has to find a way to deny the claim so that it
> backs up the initial reviewer or just to make it harder to get a payout.
> This has nothing to do with morals, but following the insane logic that the
> company has set forth for how to review a claim so that it gets lost in the
> briar patch
> >>
> >
> > ___
> > http://www.okiebenz

Re: [MBZ] OT - Insurance

[Curt Raymond via Mercedes]

Back when I had the stents put in our insurance company wasn't going to pay for 
the cardiac CAT scan. I called them up and the nice woman explained to me that 
at 33 years old I didn't need stents. I told her that if I listened to her I'd 
be dead, I already had stents and was feeling much better.What finally worked 
was when I said "I'll let you off the hook if you say the following words. "I'm 
sorry Mr. Raymond, we refuse to pay, you'll have to die.""They paid that 
afternoon.
-Curt

  From: Floyd Thursby via Mercedes <mercedes@okiebenz.com>
 To: mercedes@okiebenz.com 
Cc: Floyd Thursby <buggeredbenzm...@gmail.com>
 Sent: Wednesday, November 30, 2016 10:17 AM
 Subject: Re: [MBZ] OT - Insurance
   
I was scheduled yesterday to get an MRI on my knee.  My wife asserted 
that our annual deductible had been met so I should take care of various 
medical matters now before the EOY.  So yesterday a girl from the MRI 
place calls and said my cost would be $1144. WTF?  So I call up a 
benefits mgr at wifey's place of employ, who explained that due to our 
bilocational lifestyle, my medical stuff was out of network, such that 
the OON deductible had not yet been met.  OOPS.

So I get on the phone and call the rad dept up in Sparkleburg to see if 
I can get an image up there before I go to my local ortho next Wed, they 
say sure but the doc has to call and organize it.  So several phone 
calls later the doc sets an appt for the scan, which is of course after 
the ortho visit I have scheduled, which would put off any scoping for 
more time...  So I call back the rad dept and get an appt for Tuesday 
morning.  Fine, i will drive up there spend a coupla days and get it 
done, save $1144.

Then I call the ortho back and tell them I am on for Tues, she says that 
won't be enough time to get the reading from the rad doc blahblah.  So I 
call wifey and tell her she needs to get a rad doc lined up to read the 
scan and ship the report off, she says she will make that happen, they 
will either email it or make electronic access or something.  So I call 
the ortho doc office again and explain this all to them, the girl there 
is all noodgie that it isn't going to work etc.  I tell her I will deal 
with it, it will all be good.

The last coupla weeks I have learned that the system can be worked well 
if you know what you want, tell them what they need to do, and when it 
needs to be done and how; otherwise, they just fall into the easiest and 
simplest mindless bureaucratic way of doing things, which doesn't 
particularly work for the customer.  Wifey is actually quite amazed at 
how I have managed to do deal with the bureaucratic thixotropy.

--FT

On 11/30/16 6:48 AM, Dan Penoff via Mercedes wrote:
> Don’t get me started on health insurance claims review.  We’ve become our 
> health insurance company’s worst nightmare to the point where they’ve 
> assigned a “patient advocate” to us due to our willingness to fight things 
> right down to the wire.  It’s not fun or pleasant, but it pays off 
> significantly. What’s really sort of sad is that now our claims go right 
> through with minimal hassle.  We rarely ever have an issue with them.
>
> Makes me wonder about all of the people who just roll over and pay the bill.
>
> And thanks to all about the independent agent information.  I guess I 
> realized this was the case but never really gave it much thought.  Sort of 
> the same thing with financial planners in some cases.
>
> Too bad there aren’t “fee for service” insurance agents.
>
> Dan
>
>> On Nov 29, 2016, at 11:41 PM, clay via Mercedes <mercedes@okiebenz.com> 
>> wrote:
>>
>>  From my experience, the agent will bend over backward to keep you on his 
>>books and will toss you under the bus is he can move you to another insco.  
>>They will not fight for you if there is a claim that is not going your way.  
>>The money is in NOT making the payout.  SiL does health insco adjustment.  
>>This means she has to find a way to deny the claim so that it backs up the 
>>initial reviewer or just to make it harder to get a payout.  This has nothing 
>>to do with morals, but following the insane logic that the company has set 
>>forth for how to review a claim so that it gets lost in the briar patch
>>
>
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>

-- 
--FT
Winston Churchill:
“Never give in--never, never, never, never, in nothing great or small, large or 
petty,
never give in except to convictions of honor and good sense.
Never yield to force; never yield to the apparently overwhelming might of the 
enemy.”


_

Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Again, I just wonder about the poor souls who just roll over and get screwed.

We have seen the new generation of doctors and surgeons with this, and they are 
nothing but awesome!  No more pat on the head and a cookie sort of attitudes.  
Very, very patient-centric, accessible, informed and open.  It’s really 
refreshing and gives one a really positive attitude about where the medical 
profession is heading.

We have the cell phone numbers for all but one of her doctors, and they 
encourage her to call or text them whenever she has questions or concerns.

That's the way it should be.

Dan



> On Nov 30, 2016, at 11:09 AM, Floyd Thursby via Mercedes 
>  wrote:
> 
> If you like your doctor, you can keep your doctor!  AND save money while 
> doing it!
> 
> Strong work.  So, an hour or two of effort saved you thousands of dollars.  
> While you should not have had to do this, you did it and got a high payback.
> 
> --FT
> 


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Re: [MBZ] OT - Insurance

[Floyd Thursby via Mercedes]

If you like your doctor, you can keep your doctor!  AND save money while 
doing it!


Strong work.  So, an hour or two of effort saved you thousands of 
dollars.  While you should not have had to do this, you did it and got a 
high payback.


--FT

On 11/30/16 11:05 AM, Dan Penoff via Mercedes wrote:

Local hospital has big disclaimer in their admitting area that says something 
to the effect that no care provider in the hospital (i.e., doctor) is a 
hospital employee.

They also have a reputation for third party billing.

We avoid them like the plague after the wife took one of the kids to the 
emergency room there some years ago.  We got billed by so many out of network 
providers it was ridiculous.  We spent three years fighting every one of them 
with our insurance company, and after the dust settled paid almost nothing 
beyond our copay.  I can’t count the number of times we got calls from 
collection companies, etc.  It was so scammy it wasn’t funny.

If you work hard and advocate enough you can beat the system, but it takes a 
fair amount of effort.

Wife has been dealing with a major medical issue this year.  Part of the 
treatment involves additional surgery, which is optional but mandated by 
Federal law to be covered by insurers if the patient wants it.  So she goes to 
a surgeon who specializes in this area, only to find that they’re out of 
network.  She goes to her provider’s information to see who is in network, only 
to find that there are no surgeons with this specialty within a 150 mile radius 
of the Tampa area.  Now how can that be?

She talks to surgeon, who laments that they play a constant game of applying to 
insurers to be an in-network provider, stuff sits around for months until they 
finally turn them down for no reason.  Then the process repeats itself.

So wife decides to use this surgeon anyway.   Then she calls her insurance 
company patient advocate and asks her to find an in-network surgeon with this 
specialty in Tampa.  She can’t.  I would add that the specialty is a common 
one, something you would find in any metropolitan area many times over.

So then wife insists on a review with her PA, her company’s benefits manager, 
and a consulting nurse with the insurance company who does claim reviews.  The 
meeting starts off with the wife asking why her surgeon can’t be in-network 
despite applying to be many times over.

Hmm.  Don’t know.

Then she asks the consulting nurse to identify an in-network provider in the 
Tampa metropolitan area.  After almost 10 minutes of searching her records, she 
comes up with someone.  However, the specialty is several lines down their 
shingle.  In other words, unless you went through every one of the surgeons 
they listed in their provider list line by line looking at their capabilities, 
you would never have found them.  And it’s not the surgeon’s primary specialty. 
 That gives one a vote of confidence, doesn’t it? She asked the nurse if she 
would choose this provider if faced with the same condition.  She wouldn’t 
respond.

Strike two.

Because there was some urgency for the start of treatment, all of this took 
place several weeks after the wife committed to this surgeon and one surgery 
had already taken place.  So she suggested that it would be in the insurance 
company’s best interest to go ahead and honor this surgeon’s work and consider 
them in-network from this point on, since there would have been no way for her 
to identify an in-network surgeon without direct interaction on the insurance 
company’s part since their documentation had nothing.

Her benefits director concurred and made a few suggestions regarding the 
insurer’s lack of transparency in this regard.

Her surgeon is now an in-network provider for this company for all of his 
patients who use the insurer.  As a show of gratitude for her efforts he has 
waived her copay for all of her surgeries.  Nice.

Dan




On Nov 30, 2016, at 10:24 AM, Mitch Haley via Mercedes  
wrote:

https://www.fatwallet.com/forums/finance/1539048



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--
--FT
Winston Churchill:
“Never give in--never, never, never, never, in nothing great or small, large or 
petty,
never give in except to convictions of honor and good sense.
Never yield to force; never yield to the apparently overwhelming might of the 
enemy.”


___
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To search list archives http://www.okiebenz.com/archive/

To Unsubscribe or change delivery options go to:
http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com

Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Local hospital has big disclaimer in their admitting area that says something 
to the effect that no care provider in the hospital (i.e., doctor) is a 
hospital employee.

They also have a reputation for third party billing.

We avoid them like the plague after the wife took one of the kids to the 
emergency room there some years ago.  We got billed by so many out of network 
providers it was ridiculous.  We spent three years fighting every one of them 
with our insurance company, and after the dust settled paid almost nothing 
beyond our copay.  I can’t count the number of times we got calls from 
collection companies, etc.  It was so scammy it wasn’t funny.

If you work hard and advocate enough you can beat the system, but it takes a 
fair amount of effort.

Wife has been dealing with a major medical issue this year.  Part of the 
treatment involves additional surgery, which is optional but mandated by 
Federal law to be covered by insurers if the patient wants it.  So she goes to 
a surgeon who specializes in this area, only to find that they’re out of 
network.  She goes to her provider’s information to see who is in network, only 
to find that there are no surgeons with this specialty within a 150 mile radius 
of the Tampa area.  Now how can that be?

She talks to surgeon, who laments that they play a constant game of applying to 
insurers to be an in-network provider, stuff sits around for months until they 
finally turn them down for no reason.  Then the process repeats itself.

So wife decides to use this surgeon anyway.   Then she calls her insurance 
company patient advocate and asks her to find an in-network surgeon with this 
specialty in Tampa.  She can’t.  I would add that the specialty is a common 
one, something you would find in any metropolitan area many times over.

So then wife insists on a review with her PA, her company’s benefits manager, 
and a consulting nurse with the insurance company who does claim reviews.  The 
meeting starts off with the wife asking why her surgeon can’t be in-network 
despite applying to be many times over.

Hmm.  Don’t know.

Then she asks the consulting nurse to identify an in-network provider in the 
Tampa metropolitan area.  After almost 10 minutes of searching her records, she 
comes up with someone.  However, the specialty is several lines down their 
shingle.  In other words, unless you went through every one of the surgeons 
they listed in their provider list line by line looking at their capabilities, 
you would never have found them.  And it’s not the surgeon’s primary specialty. 
 That gives one a vote of confidence, doesn’t it? She asked the nurse if she 
would choose this provider if faced with the same condition.  She wouldn’t 
respond.

Strike two.

Because there was some urgency for the start of treatment, all of this took 
place several weeks after the wife committed to this surgeon and one surgery 
had already taken place.  So she suggested that it would be in the insurance 
company’s best interest to go ahead and honor this surgeon’s work and consider 
them in-network from this point on, since there would have been no way for her 
to identify an in-network surgeon without direct interaction on the insurance 
company’s part since their documentation had nothing.

Her benefits director concurred and made a few suggestions regarding the 
insurer’s lack of transparency in this regard.

Her surgeon is now an in-network provider for this company for all of his 
patients who use the insurer.  As a show of gratitude for her efforts he has 
waived her copay for all of her surgeries.  Nice.

Dan



> On Nov 30, 2016, at 10:24 AM, Mitch Haley via Mercedes 
>  wrote:
> 
> https://www.fatwallet.com/forums/finance/1539048
> 


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Re: [MBZ] OT - Insurance

[Meade Dillon via Mercedes]

I had to look that one up (thixotropy).  Cool!

-
Max
Charleston SC

On Wed, Nov 30, 2016 at 10:17 AM, Floyd Thursby via Mercedes <
mercedes@okiebenz.com> wrote:

> I was scheduled yesterday to get an MRI on my knee.  My wife asserted that
> our annual deductible had been met so I should take care of various medical
> matters now before the EOY.  So yesterday a girl from the MRI place calls
> and said my cost would be $1144. WTF?  So I call up a benefits mgr at
> wifey's place of employ, who explained that due to our bilocational
> lifestyle, my medical stuff was out of network, such that the OON
> deductible had not yet been met.  OOPS.
>
> So I get on the phone and call the rad dept up in Sparkleburg to see if I
> can get an image up there before I go to my local ortho next Wed, they say
> sure but the doc has to call and organize it.  So several phone calls later
> the doc sets an appt for the scan, which is of course after the ortho visit
> I have scheduled, which would put off any scoping for more time...  So I
> call back the rad dept and get an appt for Tuesday morning.  Fine, i will
> drive up there spend a coupla days and get it done, save $1144.
>
> Then I call the ortho back and tell them I am on for Tues, she says that
> won't be enough time to get the reading from the rad doc blahblah.  So I
> call wifey and tell her she needs to get a rad doc lined up to read the
> scan and ship the report off, she says she will make that happen, they will
> either email it or make electronic access or something.  So I call the
> ortho doc office again and explain this all to them, the girl there is all
> noodgie that it isn't going to work etc.  I tell her I will deal with it,
> it will all be good.
>
> The last coupla weeks I have learned that the system can be worked well if
> you know what you want, tell them what they need to do, and when it needs
> to be done and how; otherwise, they just fall into the easiest and simplest
> mindless bureaucratic way of doing things, which doesn't particularly work
> for the customer.  Wifey is actually quite amazed at how I have managed to
> do deal with the bureaucratic thixotropy.
>
> --FT
>
>
>
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Re: [MBZ] OT - Insurance

[Mitch Haley via Mercedes]

https://www.fatwallet.com/forums/finance/1539048

> On November 30, 2016 at 10:17 AM Floyd Thursby via Mercedes
>  wrote:
> 
> 
> I was scheduled yesterday to get an MRI on my knee.  My wife asserted 
> that our annual deductible had been met so I should take care of various 
> medical matters now before the EOY.

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Re: [MBZ] OT - Insurance

[Floyd Thursby via Mercedes]

I was scheduled yesterday to get an MRI on my knee.  My wife asserted 
that our annual deductible had been met so I should take care of various 
medical matters now before the EOY.  So yesterday a girl from the MRI 
place calls and said my cost would be $1144. WTF?  So I call up a 
benefits mgr at wifey's place of employ, who explained that due to our 
bilocational lifestyle, my medical stuff was out of network, such that 
the OON deductible had not yet been met.  OOPS.


So I get on the phone and call the rad dept up in Sparkleburg to see if 
I can get an image up there before I go to my local ortho next Wed, they 
say sure but the doc has to call and organize it.  So several phone 
calls later the doc sets an appt for the scan, which is of course after 
the ortho visit I have scheduled, which would put off any scoping for 
more time...  So I call back the rad dept and get an appt for Tuesday 
morning.  Fine, i will drive up there spend a coupla days and get it 
done, save $1144.


Then I call the ortho back and tell them I am on for Tues, she says that 
won't be enough time to get the reading from the rad doc blahblah.  So I 
call wifey and tell her she needs to get a rad doc lined up to read the 
scan and ship the report off, she says she will make that happen, they 
will either email it or make electronic access or something.  So I call 
the ortho doc office again and explain this all to them, the girl there 
is all noodgie that it isn't going to work etc.  I tell her I will deal 
with it, it will all be good.


The last coupla weeks I have learned that the system can be worked well 
if you know what you want, tell them what they need to do, and when it 
needs to be done and how; otherwise, they just fall into the easiest and 
simplest mindless bureaucratic way of doing things, which doesn't 
particularly work for the customer.  Wifey is actually quite amazed at 
how I have managed to do deal with the bureaucratic thixotropy.


--FT

On 11/30/16 6:48 AM, Dan Penoff via Mercedes wrote:

Don’t get me started on health insurance claims review.  We’ve become our 
health insurance company’s worst nightmare to the point where they’ve assigned 
a “patient advocate” to us due to our willingness to fight things right down to 
the wire.  It’s not fun or pleasant, but it pays off significantly. What’s 
really sort of sad is that now our claims go right through with minimal hassle. 
 We rarely ever have an issue with them.

Makes me wonder about all of the people who just roll over and pay the bill.

And thanks to all about the independent agent information.  I guess I realized 
this was the case but never really gave it much thought.  Sort of the same 
thing with financial planners in some cases.

Too bad there aren’t “fee for service” insurance agents.

Dan


On Nov 29, 2016, at 11:41 PM, clay via Mercedes  wrote:

 From my experience, the agent will bend over backward to keep you on his books 
and will toss you under the bus is he can move you to another insco.  They will 
not fight for you if there is a claim that is not going your way.  The money is 
in NOT making the payout.  SiL does health insco adjustment.  This means she 
has to find a way to deny the claim so that it backs up the initial reviewer or 
just to make it harder to get a payout.   This has nothing to do with morals, 
but following the insane logic that the company has set forth for how to review 
a claim so that it gets lost in the briar patch



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--
--FT
Winston Churchill:
“Never give in--never, never, never, never, in nothing great or small, large or 
petty,
never give in except to convictions of honor and good sense.
Never yield to force; never yield to the apparently overwhelming might of the 
enemy.”


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Re: [MBZ] OT - Insurance

[Meade Dillon via Mercedes]

Thus my recommendation to find an attorney, who probably (but not always)
WILL charge you a fee for service!

I've just remembered another source of info regarding insurance - your
state may have an office (Insurance Commissioner?) that regularly deals
with upset customers, perhaps they have a database or annual report or
something that can help you "grade" any companies that you consider.

-
Max
Charleston SC

On Wed, Nov 30, 2016 at 6:48 AM, Dan Penoff via Mercedes <
mercedes@okiebenz.com> wrote:

>
> Too bad there aren’t “fee for service” insurance agents.
>
>
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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Don’t get me started on health insurance claims review.  We’ve become our 
health insurance company’s worst nightmare to the point where they’ve assigned 
a “patient advocate” to us due to our willingness to fight things right down to 
the wire.  It’s not fun or pleasant, but it pays off significantly. What’s 
really sort of sad is that now our claims go right through with minimal hassle. 
 We rarely ever have an issue with them.

Makes me wonder about all of the people who just roll over and pay the bill.

And thanks to all about the independent agent information.  I guess I realized 
this was the case but never really gave it much thought.  Sort of the same 
thing with financial planners in some cases.

Too bad there aren’t “fee for service” insurance agents.

Dan

> On Nov 29, 2016, at 11:41 PM, clay via Mercedes  wrote:
> 
> From my experience, the agent will bend over backward to keep you on his 
> books and will toss you under the bus is he can move you to another insco.  
> They will not fight for you if there is a claim that is not going your way.  
> The money is in NOT making the payout.  SiL does health insco adjustment.  
> This means she has to find a way to deny the claim so that it backs up the 
> initial reviewer or just to make it harder to get a payout.   This has 
> nothing to do with morals, but following the insane logic that the company 
> has set forth for how to review a claim so that it gets lost in the briar 
> patch
> 


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Re: [MBZ] OT - Insurance

[clay via Mercedes]

From my experience, the agent will bend over backward to keep you on his books 
and will toss you under the bus is he can move you to another insco.  They will 
not fight for you if there is a claim that is not going your way.  The money is 
in NOT making the payout.  SiL does health insco adjustment.  This means she 
has to find a way to deny the claim so that it backs up the initial reviewer or 
just to make it harder to get a payout.   This has nothing to do with morals, 
but following the insane logic that the company has set forth for how to review 
a claim so that it gets lost in the briar patch



> On Nov 29, 2016, at 7:06 PM, Max Dillon via Mercedes  
> wrote:
> 
> No, just a warning.  Using an independent agent may be the equivalent of 
> introducing a single point of failure, or you may find one who really has 
> done the hard work of learning the business so that you get value for the 
> commission they earn.  Make them earn that commission, if you use one.  
> 
> An experienced attorney will tell you all the ways an insurance policy can go 
> wrong, the agent may have different motivations.
> -- 
> Max Dillon
> Charleston SC
> '87 300TD
> '95 E300
> 
> On November 29, 2016 9:59:17 PM EST, Dan Penoff via Mercedes 
>  wrote:
>> Are you suggesting that going through an independent agent is not a
>> wise choice?  I’ve never used one, so I have no point of reference.
>> 
>> Dan
>> 
>>> On Nov 29, 2016, at 9:55 PM, Max Dillon via Mercedes
>>  wrote:
>>> 
>>> As Wilton would say, 'xactly.  
>>> 
>>> Colleague is dealing with insco about a homeowners policy claim,
>> getting "educated" about what his premiums really pay for and what all
>> that fine print means. He's probably going to switch companies, finding
>> out that going through an "independent" agent didn't really work out so
>> well.  Maybe just this agent, but caveat emptor...
>>> -- 
>>> Max Dillon
>>> Charleston SC
>>> '87 300TD
>>> '95 E300
>>> 
>> 
>> 
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>> 
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>> 
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Re: [MBZ] OT - Insurance

[clay via Mercedes]

Agents get a cut of the proceeds every month.  The longer you are with them, 
the more they earn.  Buddy sold insurance and worked hard to keep folks on the 
hook.  Purchaser had to have the policy for more than a year before there was a 
payoff, but he got a check every month there after.  As an indy, he would swap 
his clients out if they got mad at the insco, just to keep the cash rolling in. 
   The annual refund I get from USAA is less than standard agent payout, but 
then I can pay less each month for good coverage.




clay 

2002 s430 - Victor, a Stately & well tailored chap
1974 450sl -  Frosch - Two tone green
1986 SDL - Polei

retired models-
1976 300D - Blei Vanst - it looks silvery
1972 220D - Gump - She was green, simple and ran
1995 E300D - Gave her life to save me against a Dame in a SUV
POS 1987 SDL - Beware Nigerian Scammers








> On Nov 29, 2016, at 6:59 PM, Dan Penoff via Mercedes  
> wrote:
> 
> Are you suggesting that going through an independent agent is not a wise 
> choice?  I’ve never used one, so I have no point of reference.
> 
> Dan
> 
>> On Nov 29, 2016, at 9:55 PM, Max Dillon via Mercedes  
>> wrote:
>> 
>> As Wilton would say, 'xactly.  
>> 
>> Colleague is dealing with insco about a homeowners policy claim, getting 
>> "educated" about what his premiums really pay for and what all that fine 
>> print means. He's probably going to switch companies, finding out that going 
>> through an "independent" agent didn't really work out so well.  Maybe just 
>> this agent, but caveat emptor...
>> -- 
>> Max Dillon
>> Charleston SC
>> '87 300TD
>> '95 E300
>> 
> 
> 
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> 
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Re: [MBZ] OT - Insurance

[Max Dillon via Mercedes]

No, just a warning.  Using an independent agent may be the equivalent of 
introducing a single point of failure, or you may find one who really has done 
the hard work of learning the business so that you get value for the commission 
they earn.  Make them earn that commission, if you use one.  

An experienced attorney will tell you all the ways an insurance policy can go 
wrong, the agent may have different motivations.
-- 
Max Dillon
Charleston SC
'87 300TD
'95 E300

On November 29, 2016 9:59:17 PM EST, Dan Penoff via Mercedes 
 wrote:
>Are you suggesting that going through an independent agent is not a
>wise choice?  I’ve never used one, so I have no point of reference.
>
>Dan
>
>> On Nov 29, 2016, at 9:55 PM, Max Dillon via Mercedes
> wrote:
>> 
>> As Wilton would say, 'xactly.  
>> 
>> Colleague is dealing with insco about a homeowners policy claim,
>getting "educated" about what his premiums really pay for and what all
>that fine print means. He's probably going to switch companies, finding
>out that going through an "independent" agent didn't really work out so
>well.  Maybe just this agent, but caveat emptor...
>> -- 
>> Max Dillon
>> Charleston SC
>> '87 300TD
>> '95 E300
>> 
>
>
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>
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>
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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Are you suggesting that going through an independent agent is not a wise 
choice?  I’ve never used one, so I have no point of reference.

Dan

> On Nov 29, 2016, at 9:55 PM, Max Dillon via Mercedes  
> wrote:
> 
> As Wilton would say, 'xactly.  
> 
> Colleague is dealing with insco about a homeowners policy claim, getting 
> "educated" about what his premiums really pay for and what all that fine 
> print means. He's probably going to switch companies, finding out that going 
> through an "independent" agent didn't really work out so well.  Maybe just 
> this agent, but caveat emptor...
> -- 
> Max Dillon
> Charleston SC
> '87 300TD
> '95 E300
> 


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Re: [MBZ] OT - Insurance

[Max Dillon via Mercedes]

As Wilton would say, 'xactly.  

Colleague is dealing with insco about a homeowners policy claim, getting 
"educated" about what his premiums really pay for and what all that fine print 
means. He's probably going to switch companies, finding out that going through 
an "independent" agent didn't really work out so well.  Maybe just this agent, 
but caveat emptor...
-- 
Max Dillon
Charleston SC
'87 300TD
'95 E300

On November 29, 2016 9:24:35 PM EST, Dan Penoff via Mercedes 
 wrote:
>Peace of mind?
>
>
>> On Nov 29, 2016, at 9:17 PM, Max Dillon via Mercedes
> wrote:
>> 
>> Talk to a lawyer in your area who has fought for consumers like you
>against insurance companies for the types of insurance you need.
>> 
>> Said lawyer will be able to educate you about what you really get for
>what you pay.  Lawyers time cost money, but the education may be worth
>it.
>> -- 
>> Max Dillon
>> Charleston SC
>> '87 300TD
>> '95 E300
>> 
>
>
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>
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>
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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Peace of mind?


> On Nov 29, 2016, at 9:17 PM, Max Dillon via Mercedes  
> wrote:
> 
> Talk to a lawyer in your area who has fought for consumers like you against 
> insurance companies for the types of insurance you need.
> 
> Said lawyer will be able to educate you about what you really get for what 
> you pay.  Lawyers time cost money, but the education may be worth it.
> -- 
> Max Dillon
> Charleston SC
> '87 300TD
> '95 E300
> 


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Re: [MBZ] OT - Insurance

[Max Dillon via Mercedes]

Talk to a lawyer in your area who has fought for consumers like you against 
insurance companies for the types of insurance you need.

Said lawyer will be able to educate you about what you really get for what you 
pay.  Lawyers time cost money, but the education may be worth it.
-- 
Max Dillon
Charleston SC
'87 300TD
'95 E300

On November 28, 2016 4:52:20 PM EST, Dan Penoff via Mercedes 
 wrote:
>With the youngest son heading out of the house in the near future, I’ve
>been giving some serious thought to reviewing our insurance situation,
>primarily auto and umbrella coverages.  For years we’ve used mainline
>insurers, State Farm for 30 years until they started screwing us, then
>to Allstate where we’re currently at and happy with the service and
>coverage.
>
>That being said, I’m wondering if I should shop this as well as
>consider talking to an independent agent.  While I am not keen on
>feeding the corporate animals, I also have some concerns about
>spreading my coverages across multiple insurers and whether or not that
>savings will justify it.
>
>My concern of late is that we seem to be paying an inordinate amount of
>money for our umbrella policy, and I’m not sure why.  It could be due
>to the youngster’s presence over time and I just haven’t paid that much
>attention to it, but I want to be sure.
>
>I would be interested in hearing anyone’s experiences in this vein,
>positive or negative.
>
>Dan
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Re: [MBZ] OT - Insurance

[Jon Agne via Mercedes]

They are not good at on-line quotes.  Just call.


> On Nov 29, 2016, at 9:10 AM, Dan--- via Mercedes  
> wrote:
> 
> When I attempted to do an online quote last night, the minimal value they 
> listed was $25k. It wouldn't accept anything less.
> 
> Dan
> 
> Sent from my iPad
> 
>> On Nov 29, 2016, at 9:04 AM, Jon Agne  wrote:
>> 
>> This is my contact:
>> 
>> 
>> 
>> 
>> Nicole Marketta
>> Collector Vehicle Insurance Specialist
>> Chubb Collector Car Insurance 
>> 
>> 202 Hall's Mill Road
>> Whitehouse Station, NJ 08889
>> USA
>> 
>> O 1-866-227-9648 ext 2362
>> M 908-323-0096
>> F 888-382-7115
>> 
>> ACE and Chubb are now one.
>> 
>> NONE of my vehicles are insured over $10k.
>> 
>> Jon
>> 
>> 
>>> On Nov 29, 2016, at 8:08 AM, Dan--- via Mercedes  
>>> wrote:
>>> 
>>> I ran a quote on Hagerty and it was $337/year.  Chubb wanted to insure it 
>>> for $25k, no less. 
>>> 
>>> That's silly.
>>> 
>>> I'll look into this more closely, as I may modify the quote from Hagerty 
>>> for a higher mileage limit.
>>> 
>>> Dan
>>> 
>>> Sent from my iPad
>>> 
 On Nov 29, 2016, at 7:55 AM, Dimitri via Mercedes  
 wrote:
 
 I use JC Taylor
 
 Sent from my iPhone
 
> On Nov 29, 2016, at 7:37 AM, Jon Agne via Mercedes 
>  wrote:
> 
> Hagerty is good as well.  I covered a wooden sailboat with them for 
> years.  I thought Chubb was a better deal on the cars.  Dimitri uses 
> someone else as I do not believe that Chubb writes in MA.
> 
> 
>> On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes 
>>  wrote:
>> 
>> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
>> 
>> 
>>> On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
>>>  wrote:
>>> 
>>> What is a Chubb collector policy?
>>> 
>>> Sent from my iPhone
>> 
>> 
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> 
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>>> 
>>> 
>>> ___
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>>> 
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>>> 
>>> To Unsubscribe or change delivery options go to:
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>>> 
>> 
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Re: [MBZ] OT - Insurance

[Dan--- via Mercedes]

When I attempted to do an online quote last night, the minimal value they 
listed was $25k. It wouldn't accept anything less.

Dan

Sent from my iPad

> On Nov 29, 2016, at 9:04 AM, Jon Agne  wrote:
> 
> This is my contact:
> 
>  
> 
> 
> Nicole Marketta
> Collector Vehicle Insurance Specialist
> Chubb Collector Car Insurance 
> 
> 202 Hall's Mill Road
> Whitehouse Station, NJ 08889
> USA
> 
> O 1-866-227-9648 ext 2362
> M 908-323-0096
> F 888-382-7115
> 
> ACE and Chubb are now one.
> 
> NONE of my vehicles are insured over $10k.
> 
> Jon
> 
> 
>> On Nov 29, 2016, at 8:08 AM, Dan--- via Mercedes  
>> wrote:
>> 
>> I ran a quote on Hagerty and it was $337/year.  Chubb wanted to insure it 
>> for $25k, no less. 
>> 
>> That's silly.
>> 
>> I'll look into this more closely, as I may modify the quote from Hagerty for 
>> a higher mileage limit.
>> 
>> Dan
>> 
>> Sent from my iPad
>> 
>>> On Nov 29, 2016, at 7:55 AM, Dimitri via Mercedes  
>>> wrote:
>>> 
>>> I use JC Taylor
>>> 
>>> Sent from my iPhone
>>> 
 On Nov 29, 2016, at 7:37 AM, Jon Agne via Mercedes  
 wrote:
 
 Hagerty is good as well.  I covered a wooden sailboat with them for years. 
  I thought Chubb was a better deal on the cars.  Dimitri uses someone else 
 as I do not believe that Chubb writes in MA.
 
 
> On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes 
>  wrote:
> 
> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
> 
> 
>> On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
>>  wrote:
>> 
>> What is a Chubb collector policy?
>> 
>> Sent from my iPhone
> 
> 
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>>> 
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>>> 
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>>> 
>>> 
>> 
>> 
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Re: [MBZ] OT - Insurance

[Jon Agne via Mercedes]

This is my contact:

 


Nicole Marketta
Collector Vehicle Insurance Specialist
Chubb Collector Car Insurance 

202 Hall's Mill Road
Whitehouse Station, NJ 08889
USA

O 1-866-227-9648 ext 2362
M 908-323-0096
F 888-382-7115

ACE and Chubb are now one.

NONE of my vehicles are insured over $10k.

Jon


> On Nov 29, 2016, at 8:08 AM, Dan--- via Mercedes  
> wrote:
> 
> I ran a quote on Hagerty and it was $337/year.  Chubb wanted to insure it for 
> $25k, no less. 
> 
> That's silly.
> 
> I'll look into this more closely, as I may modify the quote from Hagerty for 
> a higher mileage limit.
> 
> Dan
> 
> Sent from my iPad
> 
>> On Nov 29, 2016, at 7:55 AM, Dimitri via Mercedes  
>> wrote:
>> 
>> I use JC Taylor
>> 
>> Sent from my iPhone
>> 
>>> On Nov 29, 2016, at 7:37 AM, Jon Agne via Mercedes  
>>> wrote:
>>> 
>>> Hagerty is good as well.  I covered a wooden sailboat with them for years.  
>>> I thought Chubb was a better deal on the cars.  Dimitri uses someone else 
>>> as I do not believe that Chubb writes in MA.
>>> 
>>> 
 On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes 
  wrote:
 
 https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
 
 
> On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
>  wrote:
> 
> What is a Chubb collector policy?
> 
> Sent from my iPhone
 
 
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Re: [MBZ] OT - Insurance

[Dan--- via Mercedes]

I ran a quote on Hagerty and it was $337/year.  Chubb wanted to insure it for 
$25k, no less. 

That's silly.

I'll look into this more closely, as I may modify the quote from Hagerty for a 
higher mileage limit.

Dan

Sent from my iPad

> On Nov 29, 2016, at 7:55 AM, Dimitri via Mercedes  
> wrote:
> 
> I use JC Taylor
> 
> Sent from my iPhone
> 
>> On Nov 29, 2016, at 7:37 AM, Jon Agne via Mercedes  
>> wrote:
>> 
>> Hagerty is good as well.  I covered a wooden sailboat with them for years.  
>> I thought Chubb was a better deal on the cars.  Dimitri uses someone else as 
>> I do not believe that Chubb writes in MA.
>> 
>> 
>>> On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes 
>>>  wrote:
>>> 
>>> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
>>> 
>>> 
 On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
  wrote:
 
 What is a Chubb collector policy?
 
 Sent from my iPhone
>>> 
>>> 
>>> ___
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>> 
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Re: [MBZ] OT - Insurance

[Dimitri via Mercedes]

I use JC Taylor

Sent from my iPhone

> On Nov 29, 2016, at 7:37 AM, Jon Agne via Mercedes  
> wrote:
> 
> Hagerty is good as well.  I covered a wooden sailboat with them for years.  I 
> thought Chubb was a better deal on the cars.  Dimitri uses someone else as I 
> do not believe that Chubb writes in MA.
> 
> 
>> On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes  
>> wrote:
>> 
>> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
>> 
>> 
>>> On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
>>>  wrote:
>>> 
>>> What is a Chubb collector policy?
>>> 
>>> Sent from my iPhone
>> 
>> 
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Re: [MBZ] OT - Insurance

[Jon Agne via Mercedes]

Hagerty is good as well.  I covered a wooden sailboat with them for years.  I 
thought Chubb was a better deal on the cars.  Dimitri uses someone else as I do 
not believe that Chubb writes in MA.


> On Nov 28, 2016, at 9:29 PM, Dan Penoff via Mercedes  
> wrote:
> 
> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
> 
> 
>> On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
>>  wrote:
>> 
>> What is a Chubb collector policy?
>> 
>> Sent from my iPhone
>> 
> 
> 
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Re: [MBZ] OT - Insurance

[Jon Agne via Mercedes]

No limits.  With Chubb, you must tell them they are garaged.  No mileage limit, 
agreed value.  They asked for photos of the first car I covered with them, 
since then, they do not care.  Insurance for my ’67 VW (agreed value $10k) was 
about 125/year.  The 250S added another $52 and the 300D added $87.  Those 
numbers are close.  Car has to be over 30 years old, and you have to have a 
primary driver other than the covered cars.

Painless.

Jon


> On Nov 28, 2016, at 9:13 PM, Dan Penoff via Mercedes  
> wrote:
> 
> Jon,
> 
> Are there any limitations on the collector policies as far as miles per year 
> or type of driving?
> 
> Dan
> 
> 
>> On Nov 28, 2016, at 9:08 PM, Jon Agne  wrote:
>> 
>> USAA for me on house and ‘modern’ vehicles.  The 300D, 250S and ’67 VW all 
>> are a Chubb collector policy.
>> 
>> Jon
> 
> 
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Re: [MBZ] OT - Insurance

[clay via Mercedes]

It is pretty good so far for me.  I do not drive that far or often.  Keep it 
locked up, and have yet to need to file a claim.  Agreed value is multiples of 
what normal insurance was, but less than half the cost.  Restrictions on who 
can drive it and what you can do with it.  No commercial usage, but you can do 
club sanctioned events and driving things

clay



> On Nov 28, 2016, at 6:37 PM, Karl Wittnebel via Mercedes 
>  wrote:
> 
> Hagerty.com has cheap collector car insurance also. Limit 5k miles/yr or
> something, store in locked garage, cannot be primary vehicle.
> 
> On Nov 28, 2016 6:29 PM, "Dan Penoff via Mercedes" 
> wrote:
> 
>> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
>> 
>> 
>>> On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes <
>> mercedes@okiebenz.com> wrote:
>>> 
>>> What is a Chubb collector policy?
>>> 
>>> Sent from my iPhone
>>> 
>> 
>> 
>> ___
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>> 
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Re: [MBZ] OT - Insurance

[Karl Wittnebel via Mercedes]

Hagerty.com has cheap collector car insurance also. Limit 5k miles/yr or
something, store in locked garage, cannot be primary vehicle.

On Nov 28, 2016 6:29 PM, "Dan Penoff via Mercedes" 
wrote:

> https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx
>
>
> > On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes <
> mercedes@okiebenz.com> wrote:
> >
> > What is a Chubb collector policy?
> >
> > Sent from my iPhone
> >
>
>
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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

https://www2.chubb.com/us-en/individuals-families/Automobiles.aspx


> On Nov 28, 2016, at 9:26 PM, Kaleb C. Striplin via Mercedes 
>  wrote:
> 
> What is a Chubb collector policy?
> 
> Sent from my iPhone
> 


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Re: [MBZ] OT - Insurance

[Kaleb C. Striplin via Mercedes]

What is a Chubb collector policy?

Sent from my iPhone

> On Nov 28, 2016, at 8:08 PM, Jon Agne via Mercedes  
> wrote:
> 
> USAA for me on house and ‘modern’ vehicles.  The 300D, 250S and ’67 VW all 
> are a Chubb collector policy.
> 
> Jon
> 
> 
>> On Nov 28, 2016, at 4:52 PM, Dan Penoff via Mercedes  
>> wrote:
>> 
>> With the youngest son heading out of the house in the near future, I’ve been 
>> giving some serious thought to reviewing our insurance situation, primarily 
>> auto and umbrella coverages.  For years we’ve used mainline insurers, State 
>> Farm for 30 years until they started screwing us, then to Allstate where 
>> we’re currently at and happy with the service and coverage.
>> 
>> That being said, I’m wondering if I should shop this as well as consider 
>> talking to an independent agent.  While I am not keen on feeding the 
>> corporate animals, I also have some concerns about spreading my coverages 
>> across multiple insurers and whether or not that savings will justify it.
>> 
>> My concern of late is that we seem to be paying an inordinate amount of 
>> money for our umbrella policy, and I’m not sure why.  It could be due to the 
>> youngster’s presence over time and I just haven’t paid that much attention 
>> to it, but I want to be sure.
>> 
>> I would be interested in hearing anyone’s experiences in this vein, positive 
>> or negative.
>> 
>> Dan
>> ___
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>> 
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>> 
>> To Unsubscribe or change delivery options go to:
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Re: [MBZ] OT - Insurance

[Dan Penoff via Mercedes]

Jon,

Are there any limitations on the collector policies as far as miles per year or 
type of driving?

Dan


> On Nov 28, 2016, at 9:08 PM, Jon Agne  wrote:
> 
> USAA for me on house and ‘modern’ vehicles.  The 300D, 250S and ’67 VW all 
> are a Chubb collector policy.
> 
> Jon


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Re: [MBZ] OT - Insurance

[Jon Agne via Mercedes]

USAA for me on house and ‘modern’ vehicles.  The 300D, 250S and ’67 VW all are 
a Chubb collector policy.

Jon


> On Nov 28, 2016, at 4:52 PM, Dan Penoff via Mercedes  
> wrote:
> 
> With the youngest son heading out of the house in the near future, I’ve been 
> giving some serious thought to reviewing our insurance situation, primarily 
> auto and umbrella coverages.  For years we’ve used mainline insurers, State 
> Farm for 30 years until they started screwing us, then to Allstate where 
> we’re currently at and happy with the service and coverage.
> 
> That being said, I’m wondering if I should shop this as well as consider 
> talking to an independent agent.  While I am not keen on feeding the 
> corporate animals, I also have some concerns about spreading my coverages 
> across multiple insurers and whether or not that savings will justify it.
> 
> My concern of late is that we seem to be paying an inordinate amount of money 
> for our umbrella policy, and I’m not sure why.  It could be due to the 
> youngster’s presence over time and I just haven’t paid that much attention to 
> it, but I want to be sure.
> 
> I would be interested in hearing anyone’s experiences in this vein, positive 
> or negative.
> 
> Dan
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> 
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> 
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Re: [MBZ] OT: insurance

[clay via Mercedes]

USAA all around, except for the classic car - hargerty

USAA is pretty good at making you whole.  No hassles, but sometimes they do go 
cheap instead of good

clay

> On Aug 23, 2016, at 2:27 PM, Donald Snook via Mercedes 
>  wrote:
> 
> Curley and I were having a discussion about certain insurance companies and 
> it got me thinking.
> 
> What company/companies do you all use for car insurance and are you happy 
> with them?   Do you have the same company for Home and Auto?
> 
> I feel like I pay WAY too much for insurance between car and house.   But, I 
> know part of my problem is living in Kansas and having to deal with hail 
> claims (mostly on the house).
> 
> Another issue about homeowners insurance bugs the crap out of me.  My 
> insurance company (Farmer's) requires me to insure my house for the 
> reconstruction cost.  That is okay except the reconstruction cost is more 
> than double the market value.   I know market value is not the same and if I 
> had some huge claim, I would want them to spend as much as it took to repair 
> it. But,  the difference between the two is huge!
> 
> Don Snook
> ___
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> 
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Re: [MBZ] OT: insurance

[Mountain Man via Mercedes]

Don wrote:
> USAA is a great company.

2 - W123 cost $50/month - The Hartford.
mao

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Re: [MBZ] OT: insurance

[Donald Snook via Mercedes]

AND former dependent/family of Active or Retired military.  That's how I got 
it. 

Don Snook 

-Original Message-
From: arche...@embarqmail.com [mailto:arche...@embarqmail.com] 
Sent: Tuesday, August 23, 2016 6:14 PM
To: Mercedes Discussion List <mercedes@okiebenz.com>
Subject: Re: [MBZ] OT: insurance

Consumers Reports has given USAA the top rating for years. CR is pretty 
accurate about their ratings that are based on reader surveys; not alway 
accurate on their own testing of products, however.
I don't think USAA insures anyone but active and retired military.
Gerry

WILTON wrote:
> USAA for 55 years; home and cars; probably none better.
> W
> 
> - Original Message -
> From: "Donald Snook via Mercedes" <mercedes@okiebenz.com>
> To: "Mercedes Discussion List" <mercedes@okiebenz.com>
> Cc: "Donald Snook" <d...@snooklawllc.com>
> Sent: Tuesday, August 23, 2016 5:27 PM
> Subject: [MBZ] OT: insurance
> 
> 
> > Curley and I were having a discussion about certain insurance 
> > companies and it got me thinking.
> >
> > What company/companies do you all use for car insurance and are you happy 
> > with them?   Do you have the same company for Home and Auto?
> >
> > I feel like I pay WAY too much for insurance between car and house.   But, 
> > I know part of my problem is living in Kansas and having to deal 
> > with hail claims (mostly on the house).
> >
> > Another issue about homeowners insurance bugs the crap out of me.  
> > My insurance company (Farmer's) requires me to insure my house for 
> > the reconstruction cost.  That is okay except the reconstruction cost is 
> > more
> > than double the market value.   I know market value is not the same and if 
> > I had some huge claim, I would want them to spend as much as it took 
> > to repair it. But,  the difference between the two is huge!
> >
> > Don Snook
> > ___
> > http://www.okiebenz.com
> >
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> >
> > To Unsubscribe or change delivery options go to:
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Re: [MBZ] OT: insurance

[Donald Snook via Mercedes]

REALLY?  Mine is $3600.  And its not that expensive relatively.  Its big, but 
it was built in 1979 and is in a middle class neighborhood. 

Don Snook 

-Original Message-
From: Dimitri [mailto:dsereta...@yahoo.com] 
Sent: Tuesday, August 23, 2016 6:06 PM
To: Curt Raymond <curtlud...@yahoo.com>; Mercedes Discussion List 
<mercedes@okiebenz.com>
Subject: Re: [MBZ] OT: insurance

$1800 for the homeowners seems high

Sent from my iPhone

> On Aug 23, 2016, at 6:44 PM, Curt Raymond via Mercedes 
> <mercedes@okiebenz.com> wrote:
> 
> We have Arbella for auto, just got our bill for this year, $1400 for the Golf 
> and Jetta with liability and the Dodge has comprehensive or whatever is 
> required because of the loan. Its still worth probably $15k so its worth 
> keeping more insurance on, for a $1500 car no way. Angie has 1 point off her 
> license which I think finally clears up next year, mine is spotless.
> I don't remember who our homeowners is with, I think its about $1800/yr for 
> our 900sqft house on 1/4 acre.
> -Curt
> 
>  From: Donald Snook via Mercedes <mercedes@okiebenz.com>
> To: Mercedes Discussion List <mercedes@okiebenz.com> 
> Cc: Donald Snook <d...@snooklawllc.com>
> Sent: Tuesday, August 23, 2016 5:27 PM
> Subject: [MBZ] OT: insurance
> 
> Curley and I were having a discussion about certain insurance companies and 
> it got me thinking.
> 
> What company/companies do you all use for car insurance and are you happy 
> with them?  Do you have the same company for Home and Auto?
> 
> I feel like I pay WAY too much for insurance between car and house.  But, I 
> know part of my problem is living in Kansas and having to deal with hail 
> claims (mostly on the house).
> 
> Another issue about homeowners insurance bugs the crap out of me.  My 
> insurance company (Farmer's) requires me to insure my house for the 
> reconstruction cost.  That is okay except the reconstruction cost is more 
> than double the market value.  I know market value is not the same and if I 
> had some huge claim, I would want them to spend as much as it took to repair 
> it. But,  the difference between the two is huge!
> 
> Don Snook
> ___
> http://www.okiebenz.com
> 
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> 
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> 
> 
> 
> 
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Re: [MBZ] OT: insurance

[Donald Snook via Mercedes]

Kaleb wrote:

"I have everything with usaa"

Max wrote:

"USAA, for everything, including a term life policy.  I also think our home 
owners rate is high, but we live in hurricane country.  Their customer service 
is excellent, and I've got no worries about their long-term viability.
We've had several auto claims, I collected a rash of speeding tickets a few 
years ago, but I've never shopped around to see if we'd get a better deal 
elsewhere.  Ignorance is bliss?  I did shop around for the term life, and USAA 
was far and away the best deal.
I know that ten or so years ago, folks around here suffered a huge premium jump 
for home owners due to Katrina and Florida, some even lost coverage entirely 
and had to move to another insco with a big jump in cost, but my increase was 
very modest.  I've also got lots of flexibility picking my deductible, I think 
the maximum is $10k."

Wilton wrote:

"USAA for 55 years; home and cars; probably none better."


USAA is a great company.  I had USAA for Home and Auto several years ago. I 
would have kept them, but when I sold my house and bought a different one, the 
difference between USAA and Farmer's was THOUSANDS.   It wasn't worth it.  I 
pay too much for insurance now.  USAA was actually cheaper than Farmer's for my 
cars, but the homeowners insurance was A LOT more and with the home and auto 
discount it didn't make sense to spend thousands extra.   When you live in 
Kansas, homeowners insurance is higher just because we have a lot of claims for 
hail and tornados.

My father has USAA and has for decades.   He will never switch.  His house was 
severely flooded and damaged during Hurricane Katrina.  USAA came in, looked 
everything over and wrote a check for the policy limits.  He was back 
rebuilding before a lot of people had even started their claims.  Of course, he 
was smart enough to have flood insurance living on the Mississippi Gulf Coast.

Don Snook
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Re: [MBZ] OT: insurance

[Curt Raymond via Mercedes]

Wow, boy was I wrong about these. I checked and I pay just over $1700 for the 
cars which actually has gone down $6 this year and I can save $40 if I pay it 
all at once.
The house costs $636/yr.
-Curt


  From: Dimitri <dsereta...@yahoo.com>
 To: Curt Raymond <curtlud...@yahoo.com>; Mercedes Discussion List 
<mercedes@okiebenz.com> 
 Sent: Tuesday, August 23, 2016 7:05 PM
 Subject: Re: [MBZ] OT: insurance
   
$1800 for the homeowners seems high

Sent from my iPhone

> On Aug 23, 2016, at 6:44 PM, Curt Raymond via Mercedes 
> <mercedes@okiebenz.com> wrote:
> 
> We have Arbella for auto, just got our bill for this year, $1400 for the Golf 
> and Jetta with liability and the Dodge has comprehensive or whatever is 
> required because of the loan. Its still worth probably $15k so its worth 
> keeping more insurance on, for a $1500 car no way. Angie has 1 point off her 
> license which I think finally clears up next year, mine is spotless.
> I don't remember who our homeowners is with, I think its about $1800/yr for 
> our 900sqft house on 1/4 acre.
> -Curt
> 
>      From: Donald Snook via Mercedes <mercedes@okiebenz.com>
> To: Mercedes Discussion List <mercedes@okiebenz.com> 
> Cc: Donald Snook <d...@snooklawllc.com>
> Sent: Tuesday, August 23, 2016 5:27 PM
> Subject: [MBZ] OT: insurance
> 
> Curley and I were having a discussion about certain insurance companies and 
> it got me thinking.
> 
> What company/companies do you all use for car insurance and are you happy 
> with them?  Do you have the same company for Home and Auto?
> 
> I feel like I pay WAY too much for insurance between car and house.  But, I 
> know part of my problem is living in Kansas and having to deal with hail 
> claims (mostly on the house).
> 
> Another issue about homeowners insurance bugs the crap out of me.  My 
> insurance company (Farmer's) requires me to insure my house for the 
> reconstruction cost.  That is okay except the reconstruction cost is more 
> than double the market value.  I know market value is not the same and if I 
> had some huge claim, I would want them to spend as much as it took to repair 
> it. But,  the difference between the two is huge!
> 
> Don Snook
> ___
> http://www.okiebenz.com
> 
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> 
> To Unsubscribe or change delivery options go to:
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> 
> 
> 
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Re: [MBZ] OT: insurance

[Karl Wittnebel via Mercedes]

Had geico. They paid for a new factory rear door for my 85 wagon after it
got hit while parked. Last door from germany.

Usaa is cheaper but they repaired my car with used parts recently. Insure
everything through them now.

You can add people as joint account holders to a new account. Anyone that
needs account access with you. They are assigned a number etc. Fyi.

How much are people paying for steel roofs and is there a choice of gauge?

Karl

On Aug 23, 2016 5:55 PM, "Curley McLain via Mercedes" 
wrote:

> We often inadvertently squashed geckos in the door jamb in Hawaii.Many
> of the doors had gecko mummys in the door jamb.
>
> Floyd Thursby via Mercedes 
>> August 23, 2016 at 6:58 PM
>> I have geckos here, and a metal roof.
>>
>> --FT
>>
>>
>>
>>
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Re: [MBZ] OT: insurance

[Curley McLain via Mercedes]

We often inadvertently squashed geckos in the door jamb in Hawaii.
Many of the doors had gecko mummys in the door jamb.



Floyd Thursby via Mercedes 
August 23, 2016 at 6:58 PM
I have geckos here, and a metal roof.

--FT





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Re: [MBZ] OT: insurance

[archer75--- via Mercedes]

ROFLMAO!!! Thanks for the laugh, Dimitri.
Gerry

Dimitri wrote:
> The Prius doesn't need collision or theft;)
> 
> Sent from my iPhone
> 
> > On Aug 23, 2016, at 8:27 PM, archer75--- via Mercedes 
> >  wrote:
> > 
> > $1100 for 2200 sq.ft. house and 500 sq.ft. workshop/office.
> > About the same for the Prius and the 240D.
> > For hurricane damage (rare here in the hills) I pay first $5000.
> > All with State Farm. No claims so far.
> > Gerry
> > 
> > OK Don wrote:
> >> I think ours is about $1,400/yr. but it includes the 1600 sq ft house, 2000
> >> sq ft hangar, 700 sq ft guest house, etc.
> > 
> > Dimitri wrote:
> >>> $1800 for the homeowners seems high
> > 
>  I don't remember who our homeowners is with, I think its about $1800/yr
> >>> for our 900sqft house on 1/4 acre.
>  -Curt
> >> 
> >> 
> >> -- 
> >> OK Don
> >> 
> >> *“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many of
> >> our people need it sorely on these accounts.”* – Mark Twain
> >> 
> >> "There are three kinds of men: The ones that learns by reading. The few who
> >> learn by observation. The rest of them have to pee on the electric fence
> >> for themselves."
> >> 
> >> WILL ROGERS, *The Manly Wisdom of Will Rogers*
> >> 2013 F150, 18 mpg
> >> 2012 Passat TDI DSG, 44 mpg
> >> 1957 C182A, 12 mpg - but at 150 mph!
> >> ___
> >> http://www.okiebenz.com
> >> 
> >> To search list archives http://www.okiebenz.com/archive/
> >> 
> >> To Unsubscribe or change delivery options go to:
> >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> > 
> > 
> > -- 
> > arche...@embarqmail.com 
> > 
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> > https://www.avast.com/antivirus
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Re: [MBZ] OT: insurance

[Dimitri via Mercedes]

The Prius doesn't need collision or theft;)

Sent from my iPhone

> On Aug 23, 2016, at 8:27 PM, archer75--- via Mercedes  
> wrote:
> 
> $1100 for 2200 sq.ft. house and 500 sq.ft. workshop/office.
> About the same for the Prius and the 240D.
> For hurricane damage (rare here in the hills) I pay first $5000.
> All with State Farm. No claims so far.
> Gerry
> 
> OK Don wrote:
>> I think ours is about $1,400/yr. but it includes the 1600 sq ft house, 2000
>> sq ft hangar, 700 sq ft guest house, etc.
> 
> Dimitri wrote:
>>> $1800 for the homeowners seems high
> 
 I don't remember who our homeowners is with, I think its about $1800/yr
>>> for our 900sqft house on 1/4 acre.
 -Curt
>> 
>> 
>> -- 
>> OK Don
>> 
>> *“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many of
>> our people need it sorely on these accounts.”* – Mark Twain
>> 
>> "There are three kinds of men: The ones that learns by reading. The few who
>> learn by observation. The rest of them have to pee on the electric fence
>> for themselves."
>> 
>> WILL ROGERS, *The Manly Wisdom of Will Rogers*
>> 2013 F150, 18 mpg
>> 2012 Passat TDI DSG, 44 mpg
>> 1957 C182A, 12 mpg - but at 150 mph!
>> ___
>> http://www.okiebenz.com
>> 
>> To search list archives http://www.okiebenz.com/archive/
>> 
>> To Unsubscribe or change delivery options go to:
>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> 
> 
> -- 
> arche...@embarqmail.com 
> 
> ---
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Re: [MBZ] OT: insurance

[WILTON via Mercedes]

And their family members.  My children and grandchildren have it.  I told 
'em, "Don't you EVER do ANYTHING to make USAA drop you."


W

- Original Message - 
From: "archer75--- via Mercedes" <mercedes@okiebenz.com>

To: "Mercedes Discussion List" <mercedes@okiebenz.com>
Cc: <arche...@embarqmail.com>
Sent: Tuesday, August 23, 2016 7:13 PM
Subject: Re: [MBZ] OT: insurance


Consumers Reports has given USAA the top rating for years. CR is pretty 
accurate about their ratings that are based on reader surveys; not alway 
accurate on their own testing of products, however.

I don't think USAA insures anyone but active and retired military.
Gerry

WILTON wrote:

USAA for 55 years; home and cars; probably none better.
W

- Original Message - 
From: "Donald Snook via Mercedes" <mercedes@okiebenz.com>

To: "Mercedes Discussion List" <mercedes@okiebenz.com>
Cc: "Donald Snook" <d...@snooklawllc.com>
Sent: Tuesday, August 23, 2016 5:27 PM
Subject: [MBZ] OT: insurance


> Curley and I were having a discussion about certain insurance companies
> and it got me thinking.
>
> What company/companies do you all use for car insurance and are you 
> happy

> with them?   Do you have the same company for Home and Auto?
>
> I feel like I pay WAY too much for insurance between car and house. 
> But,
> I know part of my problem is living in Kansas and having to deal with 
> hail

> claims (mostly on the house).
>
> Another issue about homeowners insurance bugs the crap out of me.  My
> insurance company (Farmer's) requires me to insure my house for the
> reconstruction cost.  That is okay except the reconstruction cost is 
> more
> than double the market value.   I know market value is not the same and 
> if

> I had some huge claim, I would want them to spend as much as it took to
> repair it. But,  the difference between the two is huge!
>
> Don Snook
> ___
> http://www.okiebenz.com
>
> To search list archives http://www.okiebenz.com/archive/
>
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
>


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Re: [MBZ] OT: insurance

[archer75--- via Mercedes]

$1100 for 2200 sq.ft. house and 500 sq.ft. workshop/office.
About the same for the Prius and the 240D.
For hurricane damage (rare here in the hills) I pay first $5000.
All with State Farm. No claims so far.
Gerry

OK Don wrote:
> I think ours is about $1,400/yr. but it includes the 1600 sq ft house, 2000
> sq ft hangar, 700 sq ft guest house, etc.
 
Dimitri wrote:
> > $1800 for the homeowners seems high
 
> > > I don't remember who our homeowners is with, I think its about $1800/yr
> > for our 900sqft house on 1/4 acre.
> > > -Curt
> >
> >
> 
> 
> -- 
> OK Don
> 
> *“Travel is fatal to prejudice, bigotry and narrow-mindedness, and many of
> our people need it sorely on these accounts.”* – Mark Twain
> 
> "There are three kinds of men: The ones that learns by reading. The few who
> learn by observation. The rest of them have to pee on the electric fence
> for themselves."
> 
> WILL ROGERS, *The Manly Wisdom of Will Rogers*
> 2013 F150, 18 mpg
> 2012 Passat TDI DSG, 44 mpg
> 1957 C182A, 12 mpg - but at 150 mph!
> ___
> http://www.okiebenz.com
> 
> To search list archives http://www.okiebenz.com/archive/
> 
> To Unsubscribe or change delivery options go to:
> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> 


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Re: [MBZ] OT: insurance

[Floyd Thursby via Mercedes]

I have geckos here, and a metal roof.

--FT


On 8/23/16 7:47 PM, Andrew Strasfogel via Mercedes wrote:

Geico - for any years.  I combined auto and homeowners and saved a bunch.
Very easy to deal with for towing, though no major claims yet


--
--FT


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