Yeah fuck that. Make sure your insurance company is going to bat for you, that's part of what they are paid for. Make it clear you dont expect this to count against you at all because the other driver is at 100% fault.

Shouldn't take much push from them for state farm to fall into line.

I had them when we bought our house. A tornado game around the second year. They sent me a check for 6k and expected me to get someone to do only half my roof. Took me little over a year and half. Found a guy who did the whole roof for the 6k. I turned in the recipient and pics and they sent me another check for 7k. I said what's this? They said thats what the claim was for. They estimated 12k. I told them if they paid that up front I would have gotten job done a year earlier. Because I gave them a quote I had gotten for 11k. Joke on them I got pocket that 7k, because whole roof was done for 6.

Of course they raised my rates for filling a claim. Which is one of the biggest scams on earth. Insurance is supposed to be the transfer of risk. They are supposed to protect you. But if you file they raise your rate.

Reminds of the story of this old guy. Had AllState for 20 years. Always paid, never had a claim. He gets into a fender bender and he said they raised his rate. He was pissed. Twenty years of monthly payments. Paid in way more than the wreak cost, and they fuck you.

Also State Farm supposed to be a mutual Insurer which means your supposed to get a check at the end of the year for any unused money. Has anyone ever gotten a refund or money off the renewal?

If you took 10 loans, paid them all off and never missed a payment on any of them, then you have proven you are safe to lend money to.

If you never took a loan, who knows if you can pay one back.

Yes, it's stupid that being responsible means you are untrustworthy, but it does make logical sense that paying back loans proves you can pay back loans, and not doing so, well, doesn't.

You've got nothing to be sorry about! Manufactured homes are built at a warehouse and then are trucked to the property where they're installed. They're built slightly better than mobile homes, but are built fairly similarly. They can come in multiple pieces such as mine that would be referred to as a double wide due to it being two pieces.

They don't follow normal building codes, and in the US they follow HUD codes. HUD codes tend to be much looser. For example the trusses that hold up my roof are really crummy 2x2s that you couldn't use on a regular built house.

The idea is suppose to be cheaper housing, but like pretty much everything geared towards helping the poor in this shit hole they're traps. They're still not very cheap, and they're poorly made. Meaning they'll start to fall apart after a couple of decades. I was lucky enough to be born into a poor but handy family so I can fix my turd of a house as issues come up, but the insurance company doesn't care that I rebuild things beyond code when I can.

Here's a factory: https://youtu.be/jm2SbE9YuEA

Here's an install: https://youtu.be/81WBC6_sahU

Wanna take a guess at one of the factors in how much you pay for insurance premiums in most US states?

For people with poor credit, buying a house can be challenging — and expensive. Once you find a lender that’s willing to offer you a mortgage, you’ll probably have a higher interest rate than someone with good credit. And you could also pay significantly more for homeowners insurance.

A NerdWallet rate analysis found that a person with good credit would pay $2,110 per year for homeowners insurance, on average. But in most states, someone with poor credit would see an average premium of $3,620 per year — over 71% more.

The post title directly references credit scores. Its pretty relevant to respond to.

I was replying to OP saying, "Also, your credit score drops if you pay all your debts," not the item they quoted.

Just change agents to keep your long term customer discount.

I had the csr angrily explain that in order to get the same affect, all I had to do was ask for a reevaluation of my policy

"If it's hurting your customer retention, it sounds like you stupid fucks need a reevaluation of your pricing policy"

Not saying the UK has it right (cos we definitely don't) but the 'loyalty penalty ban' has really helped.

https://www.fca.org.uk/news/statements/direct-line-carry-out-past-business-review-relating-fcas-pricing-rules

You can't be charged more for staying with an insurer than if you were a new customer.

It's your fault for their dumb system you dunce. Ask next time dumdum

Ugh yeah. And I have renters insurance through the same brand. I’ll have to look at swapping.

I've always heard the best way to keep the costs down was to keep switching insurance providers. Unfortunately my wife chose to buy insurance from her high school friend

Yeah. Between this and the “switch providers” advice I will be looking at it. I am not sure I want to reduce my coverage though. Where I live people are absolutely batshit. I know everyone says this…but I’ve never felt more in danger driving than I do in Connecticut, surrounded by people rich enough to murder me with their car and think of it as an inconvenience.