USAA ftw


Progressive and Geico are both fail, Geico's motorcycle policies aren't bad though.
Both these companies wanted upwards of $5,000/yr from me to insure a V6 Tacoma

Driving 5 years, no on record violations, no accidents, spotless record. No thanks.

Mom has Progressive and hates it.

 

EVERY insurance company uses a/m or recy parts. recycled parts ARE OEM PARTS, and 99% of the time a/m parts are made from the same equipment as OEM parts. Of course it's going to be fixed the cheapest way possible, but they're not going to sacrifice safety or quality. If the part doesn't freakin' fit they're going to ok other parts to be used. A lot of people forget that insurance companies are FOR PROFIT companies, they need to make money too, so paying top dollar for repairs and blending when NOT necessary is not going to happen. btw Geico's customer base is mainly older, more experienced drivers. If you're a guy under 25 and you get in an accident, even if its not your fault... you risk having rates skyrocket or being dropped. Even if you dont have anything on your record, you will pay quite a bit if you're young, simply because statistically you are a higher risk. end of story.

 

this is not true. Aftermarket parts are made from cheaper metal, the dies to make the parts are not the same as factory. that is why they fit and look like ****. State farm uses all factory parts unless it is an old vehicle. Progressive for one does not car how the vehicle looks, they just want it fixed cheap. Ive been a painter at the best collision and restoration shop in this area for 8 years i know what i'm talking about. Progressive also does not pay to blend when things should be blended. For instance their rule of thumb is on replaceing a fender they will not pay to blend a hood unless the fender is wide enough on the top to set a soda can on it. It is bs. This is why we don't deal with progressive anymore. customers complain about color match to something like that when it isnt our fault. they also only pay .5 to tint the color. Alot of times it takes longer than a half hr to tint a color to match. Headlights are another story. You can put 1 aftermarket headlight in and the other factory and it does not fit as good, the adjusters usually do not work, the light beam is different and when you see it driveing down the road the light beam viberates. so in my opinion aftermarket is GARBAGE!!!

 

the non-oem/recycled parts bit can be helped by going to a good body shop, in some cases.

somebody poked a baseball size hole in the front of my car about a year and a half ago. did the whole allstate claims procedure, and took it to a highly recommended nearby body shop. (bill denny's in havre de grace md). when i went in, their service manager told me it would be about a week and a half to do the front, because he expected a fight with insurance over the parts to use. sure enough, 3 days in, i get a call from the shop. The insurance company found a reman/refurb/salvage bumper they want us to us. its coming in tomorrow. they're normally crap, we'll call them out to see its no good, then they'll pay for the real stuff. next day, i get a call saying the insurance company caved, and the shop had a genuine, new bumper on order.

 

i switched to unitrin direct, my monthly payment went from $120+ to like $79. i had a non at fault accident, they sent someone to my house to look at my car and a couple days later i had a check in the mail. i thought the service was pretty good.

progessive wanted $2k+ for bike ins. per year, geico only wanted $600.

i feel all ins. companies need to be regulated by the govt. since we are required to have it.

 

non-capa certified a/m parts can be crappy, but thats why most insurance companies use capa-certified a/m parts, which meet or beat oem standards. i can ASSURE you state farm uses a/m and recy parts, even on a new car, when they are available and cost effective. its my job to review other insurance estimates for reimbursement, and i could show you hundreds of state farm estimates that call for a/m and recy parts on a car less than 5 years old. wow.. 8 years huh.. well i got 2 on you, and i still learn stuff every day. as far as blending, if the panel is so curved that the light reflection will cause you to not see a variance, there is no need to blend, especially if the damage is far enough away to blend within the panel. a good body tech can make anything fit and look good, and a good painter can make anything match. i promise you, insurance companies hate whiny body shops as much as body shops hate insurance companies. its a two-way street.

 

i work for progressive too and we insure a lot of high end vehicles too....I would think that if our company was all about crappy repairs we wouldnt be ranked 3rd out of the dozens of insurance companies that are out there. In fact one of the things that we are known most for is indeed our claims service. Plus we dont just simply drop customers for just one claim. lol

 

uh, you're actually 4th now buddy.

 

i had my ****** 5th accident last night, and im so haeted, because my car has been HIT 5 TIMES AND NONE ARE MY FAULT! idk whats gonna happen , this one this lady is trying to blame me when i was goin like 5mph in a parkin lot and she pulled out and t boned me shes tryin to blame me,.. so idk i hope my insurance doesnt rape me, i called the cops and ****, but im about to get rid of this car, this is rediculous.

 

no biggie , we've been going back and forth with geico for quite a while. we take 3rd for a while then they take 3rd for a while and so on.

 

we shall see. muahahahaha

 

they made me send in pics about three months ago right after i had to wreck, i called them about it and told them that they just had an insurance adjuster go look at the car and he could have taken pics or just told what was on my car and they made me send in pics anyways. im pretty sure the pics of my car with the aftermarket stuff is why they are wantin to drop me. kinda stupid bein the after market stuff is cheaper to get than the oe parts are.

 

if thats what it is for me i'll be pissed.. i've never had anything happen in this car however right now my car has winter rims and nothing aftermarket looking from the outside .. i have a full exhaust and a tune.. but the intake is stock and you wouldn't know about anything else unless you knew what eh car looked like anyway

 

they would only drop you for a/m parts if they were performance enhancing. did you send pics of anything under the hood or just exterior?

 

I had 3 claims and 3 tickets with progressive between 05-06' and one of the claims involved an excluded driver on my policy who was found to be liable for the accident and I have yet to be dropped...and for all of you haters...Progressive FTMFW! lol

 

yeah i dont think progressive will drop you unless you dont pay. they are a high-risk insurance company... they'd insure a llama if it paid enough..

of course.. there's always 1-800-SAFE-AUTO...

 

just outside the car. the only thing you can see is wheels headlights tail lighs the covers on the tail lights and the high rise spoiler. hell the high rise is a factory part so there is nothin after market bout that.

 

then thats not why they're dropping you..

 

gieco dropped me too after i was hit by a drunk driver and it only caused 1000 in damages to my car, **** em ALL STATE!

 

well the paper they sent me said it was cuz of the wreck i was in which they paid nothin for cuz the other persons insurance paid for and cuz my vheicle is a high performace vehicle. lol since when has an auto 2.2 LT became a high performance vehicle?? this is the reason im thinkin it may have somethin to do with the aftermarket stuff in the pics cuz there is nothin high performace bout a auto 2.2. i mean with full bolt ons the car probably doesnt make over 10-15 more hp over stock. that doesnt even put it up to the same hp that the 2.4 makes let alone either one of the 2.0's. it just doesnt make since to me. im hopin monday mornin when i go talk to my aggent again he can make some since of it for me or get it straightened out so that they wont drop me.

 

or if you try and lie to them when submitting a claim. They dont take kind to those who attempt insurance fraud, but then again who would?

 

not to me of topic either but i noticed in your sig that it says you have a lsj intake mani. how did you make that work on a 2.2 without the sc on it?

 

someone could have seen the a/m parts and thought it was an SS and their system made a mistake putting it down as an LT... that or maybe you have some kind of exclusion in your policy about any a/m parts, not just performance enhancing... but most companies will actually insure the a/m parts, you just have to declare them on your policy.

exhaust mani, not intake.

 

lol o ok. big mis-understandin on the lsj mani there.
but as far as the a/m parts go they told me they was find and would hurt anythin as far as my policy goes and they would insure them as well. i got to talk to them one time bout it before the holidays and they told me the visual stuff was ok and that they would go over it agian to either get the problem fixed or tell me any other reason they would have to drop it.

 

happened to me too..but just on one of our cars..
because of an accident, that wasn't my fault..and i got a ticket...but it was dropped.. they think i still have the ticket..