Re: [MBZ] OT Home and auto insurance

[Dan Penoff via Mercedes]

In my case it was a couple of life policies. No problem moving auto policies to 
the best of my knowledge, but that’s been interstate moves. If you’re local 
maybe they won’t let them move stuff around, I don’t know. All I know is that 
when I pulled the plug on my agent I told SF (corporate) that I would cancel my 
life policies before I would let my (old) agent manage them. I told them the 
agent I wanted to handle them and they sent me some forms where I made an 
attestation that I wanted them moved.

-D

> On Apr 14, 2021, at 11:05 AM, Mitch Haley via Mercedes 
>  wrote:
> 
> Somebody who moved to Charlotte wants to use my Farm Bureau agent, but FB 
> says he's the property of his old agent in Lansing and won't transfer his 
> account. He doesn't have any problem with his agent, just no longer lives or 
> works near that office.
> 
> On 2021-04-14 10:18, Dan Penoff via Mercedes wrote:
>> said that he had never seen a policy taken away from the agent who
>> wrote it. He seemed in awe of us because we pulled this off. We told
>> State Farm corporate that they either reassigned the policy to an
>> agent of our choice or we would cancel it.
> 
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Re: [MBZ] OT Home and auto insurance

[Mitch Haley via Mercedes]

Somebody who moved to Charlotte wants to use my Farm Bureau agent, but 
FB says he's the property of his old agent in Lansing and won't transfer 
his account. He doesn't have any problem with his agent, just no longer 
lives or works near that office.


On 2021-04-14 10:18, Dan Penoff via Mercedes wrote:


said that he had never seen a policy taken away from the agent who
wrote it. He seemed in awe of us because we pulled this off. We told
State Farm corporate that they either reassigned the policy to an
agent of our choice or we would cancel it.


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Re: [MBZ] OT Home and auto insurance

[Dan Penoff via Mercedes]

Yeah, it was ten years ago, so it’s moot now. I know the agent, who used to be 
a family friend before they screwed us (which kind of doubled up the suckyness 
of the whole situation) got their bag slapped by State Farm. The new guy I went 
to just to service the life policy said that he had never seen a policy taken 
away from the agent who wrote it. He seemed in awe of us because we pulled this 
off. We told State Farm corporate that they either reassigned the policy to an 
agent of our choice or we would cancel it.

-D

> On Apr 14, 2021, at 10:08 AM, Floyd Thursby via Mercedes 
>  wrote:
> 
> you should get in touch with the state insurance regulator, for whatever good 
> that might do as the state and inscos all collude (like the realtors, and a 
> bunch of the legislators are also probably ins agents), at least see what 
> they say.
> 
> --FT
> 
> On 4/14/21 9:59 AM, Dan Penoff via Mercedes wrote:
>> He came back and said that my application was refused. He didn’t know why, 
>> he says they submit stuff to the underwriters and then get a response 
>> without an explanation.
> 
> -- 
> --FT
> 
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Re: [MBZ] OT Home and auto insurance

[Floyd Thursby via Mercedes]

you should get in touch with the state insurance regulator, for whatever 
good that might do as the state and inscos all collude (like the 
realtors, and a bunch of the legislators are also probably ins agents), 
at least see what they say.


--FT

On 4/14/21 9:59 AM, Dan Penoff via Mercedes wrote:

He came back and said that my application was refused. He didn’t know why, he 
says they submit stuff to the underwriters and then get a response without an 
explanation.


--
--FT

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Re: [MBZ] OT Home and auto insurance

[Dan Penoff via Mercedes]

I had State Farm for nearly three decades until my agent decided to screw me 
over. Pretty sure I've detailed this here before, but long story short, when we 
returned to Florida from Indiana in 2011 my auto insurance was nearly 
$10k/year. I balked but started paying it. I also started shopping, only to 
find that State Farm, in collusion with my agent, was charging me nearly double 
what it would cost from any other carrier under the guise of “Florida rates 
going up a LOT since you left.”

When I confronted them with competitor’s quotes they were all ready to “put a 
pencil to paper and see what we can do.” I promptly told them that after 30 
years of business I expected the best and lowest price they could offer right 
out of the gate, and since they didn’t give me that, I was bailing. I did, to 
Allstate, and I’ve never looked back.

I went so far as to wrest a life insurance policy away from my former agent and 
have it assigned to another (new) agent I vetted in advance. This is highly 
unusual and takes an edict from corporate, or so I was told. Interestingly, the 
new agent, a nice guy who knows the story and understands my position, hit me 
up for a shot at our auto policies a couple years ago. I told him “OK” and let 
him have at it. He came back and said that my application was refused. He 
didn’t know why, he says they submit stuff to the underwriters and then get a 
response without an explanation.

Guess I pissed them off badly enough they don’t want my business any more. Fine 
by me.

-D

> On Apr 13, 2021, at 10:53 PM, Rick Knoble via Mercedes 
>  wrote:
> 
>> just move the rental house somewhere else and see how it goes
> 
> Put it up for sale.
> 
> BTW, I have had State Farm for decades and can't complain.
> 
> 
> Rick
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Re: [MBZ] OT Home and auto insurance

[Rick Knoble via Mercedes]

>just move the rental house somewhere else and see how it goes

Put it up for sale.

BTW, I have had State Farm for decades and can't complain.


Rick
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Re: [MBZ] OT Home and auto insurance

[Clay via Mercedes]

Liberty is in the class of company (Family) I will avoid like plague.  Mostly 
because their drivers have impacted my cars, causing expensive damage and their 
adjusters and whole method is to screw over the aggrieved party by holding out 
for as long as possible, creating all manner of inconveniences, such that after 
five weeks of getting nowhere, you just cave and have your own policy cover the 
damage.  You end up out your deductible, have the car off the road for months, 
and feel poorly about the whole mess.  Whichever umbrella company liberty falls 
under, their insureds have taken out the w124, caused mass damage to the w220, 
and caused the w126 SD to be totaled, tried to have it hauled away after hours 
from the body shop, and I ended up footing the bill out of pocket to get them 
to back off, contacted personal injury lawyer to get after them, and ratted 
them out to state insurance commissioner, who penalized them over multiple 
illegal actions. I had to use my own coverage for the extensive medial claims, 
and their adjusters hounded me to close out the claim, even though there is a 
three year window for addressing the bodily harm.

If you do not mind having criminals insuring your belongings, get liberty.  I 
am sticking with USAA

Clay


inter urinas et faeces nascimur

> On Apr 13, 2021, at 6:10 AM, Kaleb Striplin via Mercedes 
>  wrote:
> 
> Has anybody had Liberty Mutual or State Farm?  So far it looks like it is 
> coming down to those 2?  I need to verify if the Liberty numbers are real 
> though as the home owners number almost seems to good to be true.  I will 
> still probably see if I can find an independent agent to work numbers for me 
> and will see what USAA has to say before doing anything.  I suppose I could 
> also do a phased approach and keep my primary home and autos with USAA for 
> now and just move the rental house somewhere else and see how it goes.  Most 
> of these online quoting tools want you to call them about rental houses and 
> wont do an online quote.
> 
> 
> USAA  1269.55 4369.77
> 
> 
> Liberty   1045.98 1743.48
> Allstate  494 4464
> Farmers   933 3146
> State Farm983.51  2978
> 
> 
> On 4/12/2021 9:06 PM, Allan Streib via Mercedes wrote:
>> One thing about insurers that feature low rates as their main selling
>> point (and I don't know if this applies to Geico in particular) is that
>> they will drop you like a hot potato the moment you have any kind of a
>> claim.
>> 
>> I'm with State Farm, they are not the cheapest but I've never had any
>> hassle from them, our local agent is easy to work with, and we've had a
>> few non-trivial claims over the years.
>> 
>> Allan
>> 
>> Kaleb Striplin via Mercedes  writes:
>> 
>>> I know this has been discussed before but I am currently with USAA for 4
>>> cars and 2 houses.  For the last year it seems, both the auto and both
>>> houses have been going up.  Last couple of renewals on the houses they
>>> have gone up substantially.  For example, one house used to be less than
>>> 2k a year and is now up to $3k.  The main house was something like $2500
>>> a year, and it is now over $4k.  I am starting the process of getting
>>> online quotes again (I did this about a year ago) and just now ran
>>> Geico.  For the 4 cars I currently have full coverage on the GL and the
>>> 02 Silverado.  I am thinking I should probably just carry liability only
>>> on the GL as I only paid $5k for it.  Anyway, so far the Geico quote
>>> came in at half the USAA price for auto, but home owners was about $1k
>>> higher.  I am going to get quotes from every place I can think of and
>>> compile it all on a spread sheet to compare.  Anybody been down this
>>> road?  I am afraid I may drop USAA for a cheaper price then the new
>>> company jacks me up again. I guess I can always go back to USAA.  I am
>>> just surprised how expensive they are getting and I have not had any
>>> sort of home or auto claims in many many years.  I should probably make
>>> a claim for hail damage to roof on our other house.  Anybody got
>>> companies I should check out?
>>> 
>> ___
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Re: [MBZ] OT Home and auto insurance

[Andrew Strasfogel via Mercedes]

I had Liberty for a few years but switched to GEICO to save $$s.  Liberty
was OK.

On Tue, Apr 13, 2021 at 9:11 AM Kaleb Striplin via Mercedes <
mercedes@okiebenz.com> wrote:

> Has anybody had Liberty Mutual or State Farm?  So far it looks like it
> is coming down to those 2?  I need to verify if the Liberty numbers are
> real though as the home owners number almost seems to good to be true.
> I will still probably see if I can find an independent agent to work
> numbers for me and will see what USAA has to say before doing anything.
> I suppose I could also do a phased approach and keep my primary home and
> autos with USAA for now and just move the rental house somewhere else
> and see how it goes.  Most of these online quoting tools want you to
> call them about rental houses and wont do an online quote.
>
>
> USAA1269.55 4369.77
>
>
> Liberty 1045.98 1743.48
> Allstate494 4464
> Farmers 933 3146
> State Farm  983.51  2978
>
>
> On 4/12/2021 9:06 PM, Allan Streib via Mercedes wrote:
> > One thing about insurers that feature low rates as their main selling
> > point (and I don't know if this applies to Geico in particular) is that
> > they will drop you like a hot potato the moment you have any kind of a
> > claim.
> >
> > I'm with State Farm, they are not the cheapest but I've never had any
> > hassle from them, our local agent is easy to work with, and we've had a
> > few non-trivial claims over the years.
> >
> > Allan
> >
> > Kaleb Striplin via Mercedes  writes:
> >
> >> I know this has been discussed before but I am currently with USAA for 4
> >> cars and 2 houses.  For the last year it seems, both the auto and both
> >> houses have been going up.  Last couple of renewals on the houses they
> >> have gone up substantially.  For example, one house used to be less than
> >> 2k a year and is now up to $3k.  The main house was something like $2500
> >> a year, and it is now over $4k.  I am starting the process of getting
> >> online quotes again (I did this about a year ago) and just now ran
> >> Geico.  For the 4 cars I currently have full coverage on the GL and the
> >> 02 Silverado.  I am thinking I should probably just carry liability only
> >> on the GL as I only paid $5k for it.  Anyway, so far the Geico quote
> >> came in at half the USAA price for auto, but home owners was about $1k
> >> higher.  I am going to get quotes from every place I can think of and
> >> compile it all on a spread sheet to compare.  Anybody been down this
> >> road?  I am afraid I may drop USAA for a cheaper price then the new
> >> company jacks me up again. I guess I can always go back to USAA.  I am
> >> just surprised how expensive they are getting and I have not had any
> >> sort of home or auto claims in many many years.  I should probably make
> >> a claim for hail damage to roof on our other house.  Anybody got
> >> companies I should check out?
> >>
> > ___
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> >
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> > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
> >
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Re: [MBZ] OT Home and auto insurance

[Kaleb Striplin via Mercedes]

Has anybody had Liberty Mutual or State Farm?  So far it looks like it 
is coming down to those 2?  I need to verify if the Liberty numbers are 
real though as the home owners number almost seems to good to be true.  
I will still probably see if I can find an independent agent to work 
numbers for me and will see what USAA has to say before doing anything.  
I suppose I could also do a phased approach and keep my primary home and 
autos with USAA for now and just move the rental house somewhere else 
and see how it goes.  Most of these online quoting tools want you to 
call them about rental houses and wont do an online quote.



USAA1269.55 4369.77


Liberty 1045.98 1743.48
Allstate494 4464
Farmers 933 3146
State Farm  983.51  2978


On 4/12/2021 9:06 PM, Allan Streib via Mercedes wrote:

One thing about insurers that feature low rates as their main selling
point (and I don't know if this applies to Geico in particular) is that
they will drop you like a hot potato the moment you have any kind of a
claim.

I'm with State Farm, they are not the cheapest but I've never had any
hassle from them, our local agent is easy to work with, and we've had a
few non-trivial claims over the years.

Allan

Kaleb Striplin via Mercedes  writes:


I know this has been discussed before but I am currently with USAA for 4
cars and 2 houses.  For the last year it seems, both the auto and both
houses have been going up.  Last couple of renewals on the houses they
have gone up substantially.  For example, one house used to be less than
2k a year and is now up to $3k.  The main house was something like $2500
a year, and it is now over $4k.  I am starting the process of getting
online quotes again (I did this about a year ago) and just now ran
Geico.  For the 4 cars I currently have full coverage on the GL and the
02 Silverado.  I am thinking I should probably just carry liability only
on the GL as I only paid $5k for it.  Anyway, so far the Geico quote
came in at half the USAA price for auto, but home owners was about $1k
higher.  I am going to get quotes from every place I can think of and
compile it all on a spread sheet to compare.  Anybody been down this
road?  I am afraid I may drop USAA for a cheaper price then the new
company jacks me up again. I guess I can always go back to USAA.  I am
just surprised how expensive they are getting and I have not had any
sort of home or auto claims in many many years.  I should probably make
a claim for hail damage to roof on our other house.  Anybody got
companies I should check out?


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Re: [MBZ] OT Home and auto insurance

[Dan Penoff via Mercedes]

Let’s stay on topic, please.

-D

> On Apr 13, 2021, at 7:32 AM, Meade Dillon via Mercedes 
>  wrote:
> 
> Thank BLM "peaceful rioting" for stealing and destroying several billion
> dollars worth of businesses and inventory.  Who did you think was going to
> pay those bills?
> -
> Max
> Charleston SC
> 
> 
> On Mon, Apr 12, 2021 at 9:26 PM Kaleb Striplin via Mercedes <
> mercedes@okiebenz.com > wrote:
> 
>> I know this has been discussed before but I am currently with USAA for 4
>> cars and 2 houses.  For the last year it seems, both the auto and both
>> houses have been going up.  Last couple of renewals on the houses they
>> have gone up substantially.  For example, one house used to be less than
>> 2k a year and is now up to $3k.  The main house was something like $2500
>> a year, and it is now over $4k.  I am starting the process of getting
>> online quotes again (I did this about a year ago) and just now ran
>> Geico.  For the 4 cars I currently have full coverage on the GL and the
>> 02 Silverado.  I am thinking I should probably just carry liability only
>> on the GL as I only paid $5k for it.  Anyway, so far the Geico quote
>> came in at half the USAA price for auto, but home owners was about $1k
>> higher.  I am going to get quotes from every place I can think of and
>> compile it all on a spread sheet to compare.  Anybody been down this
>> road?  I am afraid I may drop USAA for a cheaper price then the new
>> company jacks me up again. I guess I can always go back to USAA.  I am
>> just surprised how expensive they are getting and I have not had any
>> sort of home or auto claims in many many years.  I should probably make
>> a claim for hail damage to roof on our other house.  Anybody got
>> companies I should check out?
>> 
>> 
>> ___
>> 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 Home and auto insurance

[Meade Dillon via Mercedes]

Thank BLM "peaceful rioting" for stealing and destroying several billion
dollars worth of businesses and inventory.  Who did you think was going to
pay those bills?
-
Max
Charleston SC


On Mon, Apr 12, 2021 at 9:26 PM Kaleb Striplin via Mercedes <
mercedes@okiebenz.com> wrote:

> I know this has been discussed before but I am currently with USAA for 4
> cars and 2 houses.  For the last year it seems, both the auto and both
> houses have been going up.  Last couple of renewals on the houses they
> have gone up substantially.  For example, one house used to be less than
> 2k a year and is now up to $3k.  The main house was something like $2500
> a year, and it is now over $4k.  I am starting the process of getting
> online quotes again (I did this about a year ago) and just now ran
> Geico.  For the 4 cars I currently have full coverage on the GL and the
> 02 Silverado.  I am thinking I should probably just carry liability only
> on the GL as I only paid $5k for it.  Anyway, so far the Geico quote
> came in at half the USAA price for auto, but home owners was about $1k
> higher.  I am going to get quotes from every place I can think of and
> compile it all on a spread sheet to compare.  Anybody been down this
> road?  I am afraid I may drop USAA for a cheaper price then the new
> company jacks me up again. I guess I can always go back to USAA.  I am
> just surprised how expensive they are getting and I have not had any
> sort of home or auto claims in many many years.  I should probably make
> a claim for hail damage to roof on our other house.  Anybody got
> companies I should check out?
>
>
> ___
> 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 Home and auto insurance

[Allan Streib via Mercedes]

One thing about insurers that feature low rates as their main selling
point (and I don't know if this applies to Geico in particular) is that
they will drop you like a hot potato the moment you have any kind of a
claim.

I'm with State Farm, they are not the cheapest but I've never had any
hassle from them, our local agent is easy to work with, and we've had a
few non-trivial claims over the years.

Allan

Kaleb Striplin via Mercedes  writes:

> I know this has been discussed before but I am currently with USAA for 4 
> cars and 2 houses.  For the last year it seems, both the auto and both 
> houses have been going up.  Last couple of renewals on the houses they 
> have gone up substantially.  For example, one house used to be less than 
> 2k a year and is now up to $3k.  The main house was something like $2500 
> a year, and it is now over $4k.  I am starting the process of getting 
> online quotes again (I did this about a year ago) and just now ran 
> Geico.  For the 4 cars I currently have full coverage on the GL and the 
> 02 Silverado.  I am thinking I should probably just carry liability only 
> on the GL as I only paid $5k for it.  Anyway, so far the Geico quote 
> came in at half the USAA price for auto, but home owners was about $1k 
> higher.  I am going to get quotes from every place I can think of and 
> compile it all on a spread sheet to compare.  Anybody been down this 
> road?  I am afraid I may drop USAA for a cheaper price then the new 
> company jacks me up again. I guess I can always go back to USAA.  I am 
> just surprised how expensive they are getting and I have not had any 
> sort of home or auto claims in many many years.  I should probably make 
> a claim for hail damage to roof on our other house.  Anybody got 
> companies I should check out?
>

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