I have tried a bunch of insurance companies, and working for Enterprise have dealt with a bunch too... These guys have done me the best.
http://www.alliedbrokers.com/
They have several companies they do business with and have always treated me really well.
I have a CP 71 Camaro and they even insure that thing (with an appraisal) for fair market value.

And no - I don't work for them

 

i took the Collision to 500 and left coprehensive at 250 ... gonna send her an email right now to see what difference it would make to make it 500 .

 

Why shouldn't they put the point on there?

 

Because i was backing out of the safaway parking lot, and some idiot was driving on the wrong side of the road and we had a fender bender.

How in the world do you have someone driving on the wrong side of the road get away with it and blame it on me.

Plus they paid him 1800 bucks for a fender dent on a 94 chevy caprice. The whole car is worth about 2k.

So I didn;t agree with them puting me at fault, and then they did without even formaly notifying me. It just appeared on my policy record 6 months later when they renewed it.


God, I hate insurance companies from the bottom of my heart.

 

They took away the 1pt forgiveness in CA a little while ago. I used to have a point from a ticket I lagged on sending in the traffic school paper for. It raised my rates almost $65 a month. When it came off I was so much happier.

27, Clean Record, 05 STi, Full Coverage, Esurance: $87/month

 

Actually, by law the insurance companies must notify you that you've been found at fault and you have 30 days to contest their finding. I'd bet the insurance company has a copy of that letter on file.

 

I never got that letter. We kept going back and forth and I absolutely refused to admit that I was at fault. Then it calmed down. And then on the next renewal I see a point. I call them about it and they said that now I had to go through DMV and all that ****.

Like I said.... I hate them with passion.

 

Heckler,
If you don't have any witnesses the person backing is almost always at fault. If you look at it from their (insurance companies) perspective how are they to say if the other person was driving on the wrong side of that aisle if you say he was and he says he wasn't? If that is what happened then without a doubt they would have found you at fault. That is the problem with claims, people never look at it from an investigatory standpoint, the insurance company wasn't at the scene when the accident occurred yet people expect them to be able to determine exactly what happened in the face of conflicting stories....but I digress (in case you couldn't tell, I do claim investigation).

Personally, working for a large company (who shall remain nameless), the best companies that I work with on a day to day basis are:

CSAA (AAA) (this is who have even though I work for a competitor)
Geico
State Farm

The worst of the bunch:
Mecury (absolutely horrible)
Farmers
Allstate

As I mentioned I have CSAA and in doing a slew of research lately I found they were the cheapest for me (24, male, 05 STI and 94 Mitsu, 0 point) and I know that they know their stuff on the claims end of things. $170 a month for 2 cars with:

Liabilty 100/300/50
MPC 1000
Comp 250
Collision 500 (none on Mitsu)
UMBI 30/60
U1
Rental 30/day

If you guys have any Qs, fire away, Ill answer from the insurance perspective to really get some blood boiling .

 

I agree. I always hear bad things... especially about Mecury.

 

I know EVERYBODY lies. And you guys know that as well. But it makes no sense for me to be backing out, continue backing out out of my lane into the opposite oncoming traffic and slamming into some dude. And its really SFPD that are *******s and don't want to make a report unless somebody is injured so I get screwed in broad daylight and gotta be paying for it for 3 years. At the very least they should have said 50-50. Plus its in the insurance companies interest to decalre me at fault and increase my premium so not like they are an unbiast third party.

Plus I specificaly told them they are getting scammed when they said they are paying 1800 bucks for that guys damages. His whole car is worh just a little more then that, but they paid no attention to me.

 

True, we know very well when someone is lieing....proving it is a whole other ball game. You are correct that insurance co's aren't unbiased 3rd parties, where you're wrong is in assuming that it is in our best interests to raise rates. If you have a cheap insurance company then THEY might be more inclined to raise rates because insured's still won't have a substantially cheaper option. More mid range or upscale companies actually don't WANT to raise rates by a whole lot because a) the insured is already pissed they were at fault and b) raising rates while they are mad is a sure way to get them shopping for a new company (you being a perfect example).

You are correct on police departments, they won't do a damn thing unless someone is missing a limb or unconcious (not really, any injury will suffice) but with how many parkin glot accidents there are, if they responded to every one of them, they wouldn't get a damn thing done as far as real police work goes.

As you you telling the insurance they were getting scammed, trust me, no one knows better than us how much, to the penny, a car is worth. If the cost of repairs + salvage didn't go over the ACV (actual cash value) then to an insurance company, its repairable.

Last thing, your company could well have gone 50/50 for you, but in the end, the file would go to arbitration with the other insurance company and they would have lost. In the end, they just shortened the process, had it gone to arb maybe they could have placed the blame on the arb panel and kept you as a customer though .

 

Its good to know your company went to war for you even if you end up losing. But besides this accident the straw that broke the camels back was them increasing my premium by almost 50%. Thats hard to accept.