For me its that time of year again... Home, car and boat all come due about now. Being in the worst state for this stuff only adds fuel to the fire. I have to say that my boat policy has been most comfortable for as long as I could remember. Until now...
Took a look and it was nearly double of last year.:eek: I've had no claims, Florida has had no rash of hurricanes or other losses in the last couple years. The rates did go up already when that did happen. So I called and asked why the increase? "Because we can" was the reply:rolleyes:
With no hurricanes and no sudden rash of boating accidents or thefts I would love to know how they got state approval for a 60-70% hike?
House: Talk about a screwed up state. Basically its nearly impossible to get insurance in the south end of the state so they had a big state backed "pool". Along came three back to back hurricanes and south Florida was again wrecked. Me, I was a good boy. Castle Deep built rock solid lost some foliage but nothing to claim. As a reward for no claims they kicked me out of the pool and told me I qualify to buy any insurance I want. I was paying under three grand in the pool. The cheapest I could find outside was over twice that! Because I was so good before they won't let me back in the pool. Stuck with double plus...:mad:
Renewal time I call my agent and tell her to get off her lazy ass and find me cheaper. I go shopping too. Find some much better stuff and find she's an agent for them too. She comes back with another high quote. I ask about the other carriers that I found cheaper that she's an agent for. She turns red saying that the one she quoted is cheapest. Keeping my business is pretty easy but won't fly if you try to bullshit me... I show her the written quotes and she blows up. Still wont back off. I'm still way high but a grand lower than she was trying to burn me with. :p
Open the car package... It's jumped... Again no tickets, no claims, no nothin. Another hike! A big one... Although Mini isn't licensed fully and will have a seperate policy for her car when she gets one, because she lives under my roof and is near driving age I still get whacked??? And under the policy they make sure she is not permitted to drive Mrs or My car and won't cover her???:confused:
It wouldn't fry me as bad as it does except that the two claims I have ever had in my whole life were nightmares. Had a two year old Honda Accord get t-boned by a guy who ran a stop sign. Totalled. They tried to pay me $1400 as full value of that car? I'm not that stupid. Five months of back and forth and lawyers they finally coughed up the real FMV $8400, seven grand higher than they were trying to prong me for. The other claim was for my old Dusky whos hull split sitting at the dock and went down. She had a Yamaha Excell 225 still under warranty hanging on her and that insurance company tried to throw me $1600, not grand, hundred! Same game this time eight months of crap and arbitration before they settled on the amount I had actually insured her for $12,000...
It sucks but our hands are tied. Property tax up 300 %, gas up at $4, Insurance nearly double across the board. Wish my salary would go up like that. So thats todays rant... Deep signing off for now...:)
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Took a look and it was nearly double of last year.:eek: I've had no claims, Florida has had no rash of hurricanes or other losses in the last couple years. The rates did go up already when that did happen. So I called and asked why the increase? "Because we can" was the reply:rolleyes:
With no hurricanes and no sudden rash of boating accidents or thefts I would love to know how they got state approval for a 60-70% hike?
House: Talk about a screwed up state. Basically its nearly impossible to get insurance in the south end of the state so they had a big state backed "pool". Along came three back to back hurricanes and south Florida was again wrecked. Me, I was a good boy. Castle Deep built rock solid lost some foliage but nothing to claim. As a reward for no claims they kicked me out of the pool and told me I qualify to buy any insurance I want. I was paying under three grand in the pool. The cheapest I could find outside was over twice that! Because I was so good before they won't let me back in the pool. Stuck with double plus...:mad:
Renewal time I call my agent and tell her to get off her lazy ass and find me cheaper. I go shopping too. Find some much better stuff and find she's an agent for them too. She comes back with another high quote. I ask about the other carriers that I found cheaper that she's an agent for. She turns red saying that the one she quoted is cheapest. Keeping my business is pretty easy but won't fly if you try to bullshit me... I show her the written quotes and she blows up. Still wont back off. I'm still way high but a grand lower than she was trying to burn me with. :p
Open the car package... It's jumped... Again no tickets, no claims, no nothin. Another hike! A big one... Although Mini isn't licensed fully and will have a seperate policy for her car when she gets one, because she lives under my roof and is near driving age I still get whacked??? And under the policy they make sure she is not permitted to drive Mrs or My car and won't cover her???:confused:
It wouldn't fry me as bad as it does except that the two claims I have ever had in my whole life were nightmares. Had a two year old Honda Accord get t-boned by a guy who ran a stop sign. Totalled. They tried to pay me $1400 as full value of that car? I'm not that stupid. Five months of back and forth and lawyers they finally coughed up the real FMV $8400, seven grand higher than they were trying to prong me for. The other claim was for my old Dusky whos hull split sitting at the dock and went down. She had a Yamaha Excell 225 still under warranty hanging on her and that insurance company tried to throw me $1600, not grand, hundred! Same game this time eight months of crap and arbitration before they settled on the amount I had actually insured her for $12,000...
It sucks but our hands are tied. Property tax up 300 %, gas up at $4, Insurance nearly double across the board. Wish my salary would go up like that. So thats todays rant... Deep signing off for now...:)
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