Poor yaris gets smashed

[nookandcrannycar]

Originally Posted by bronsin

Historically I don't get in accidents either. But Ive managed 2 in the past three years

Same here

and Progressive raised my rates after the 2nd one.

After I got rear ended in my '07, I called my insurance company (AAA) because that was one of the steps in the instructions included on the proof of insurance card. Being pretty unfamiliar with Texas law re insurance and accidents, I thought it best to follow the instructions to the letter. When I called AAA, they noted my call but told me I only needed to call if I needed to make a claim. Of course they don't put that tidbit on the card because they want every potential risk uncovered, even if the customer is being prompted to do something that isn't required . Same as with Progressive, 1st accident = no rate raise. Of course I had to call in October of last year re the minted a few weeks prior 16 year old Expedition driver who launched toward a merge and then stopped, causing me to rear end. That would have been accident #1 if I hadn't called on the Camry rear ending me. The declaration page for my homeowner's insurance was in the last batch of mail I had forwarded. Rate up 5%. I have yet to receive the declaration page for my auto policy (usually trails by a few weeks). I have a feeling opening that envelope won't be fun .

So I went shopping for another insurance company. I mean, they say you can save hundreds, right?

Nope its all a lie! I explained to the All State agent how historically I don't have accidents but am down on my luck recently. I offered him a chance to get a client who wont be making any claims. They could make a lot of money if they took me on.

Of course I would expect a substantial discount over what I was paying Progressive.

Not a chance! They wanted MORE than P!

When I retire I might join the other 40% of New Jerseyians who don't have insurance!

40% with no insurance..... Long ago in California, people who were broke, irresponsible, or both would get insurance around registration time, and then drop insurance after registration....insurance was only checked at registration. In Texas, if your registration goes out of effect at any time after registration, the insurance company notifies the state, and I believe there is a consequence (temp hold on DL ?). Are there no consequences in New Jersey re ability to drive/driving privilege if you drive without insurance?