No-Fault Car Insurance

[Elder18]

Originally Posted by Mayfair237

Elder,

I work in the auto insurance claims industry and no-fault coverage is designed to protect you in the event you are injured in an auto accident. Without it, you would be required to rely on health insurance (if you are lucky enough to have it). If the accident is NOT your fault, you then have a bodily injury claim against the other person. This is where you recover your pain and suffering.

I suggest you do your research before you bad mouth insurance. And, if you don't like it - MOVE!!

I did do research, which is why I provided a link to it at the begining of this thread.

Also, the reason I posted about it here is to learn more about how it actually works. That is research as well.

Personally, from having done plenty of research as a student, I find it very hard to take the perspective of someone working within an industry as a fair, unbiased opinion about that industry.

Since you work in the insurance industry, I find it hard to believe that no-fault insurance is as great as you claim.

And I'm going to take the high road as far as your rude little comment. Hopefully the people you work with are more civil than you.

[MLN2603]

Originally Posted by Hopes

It was insurance.com. I accidently found them because I filled out an online form on the website for Erie Insurance, and surprisingly my information was directed to something called netquote that sent my insurance request to multiple insurance companies and agents. Within literally seconds, an agent from insurance.com called my house. Other agents lagged behind by minutes or hours with simple mail followups. Within 15 minutes, I was finalizing the deal with insurance.com for The Hartford. I was nervous since it was a call from online, but I actually got a policy from The Hartford in the mail and everything is completely in order. All of my customer service is directly through The Hartford. My business with insurance.com is done. They aren't agents that handle policies in an ongoing fashion which is great because I prefer dealing directly with the insurance company. I recall him saying they were the largest online insurance agency in the country. I can't recall how many companies they represented----18 or 26? Looking at insurance.com's website, you can can call them directly if you're uncomfortable providing information online. As someone mentioned earlier in this thread, rates depend on all sorts of things so your rate might not be as good as mine. Just give them a call and see.

Thank you Hopes!! I went on and tried it out.... got 5 qoutes but nothing that much cheaper that it's worth switching. Oh well... it was worth a shot... Thanks Again!!

[Mayfair237]

Elder,
Sorry if you thought I was rude.

I understand that people don't trust me because I work in the insurance industry. That is because people inherantly don't trust the insurance company which is mainly because of the plaintiff's bar. However, I handle claims in a fair and just manner and do what I can to make sure people have a pleasant experience and get compensated. PIP/no fault is there for your benefit. If you don't think you need it, you should be able to waive it for yourself and those in your household. I would check with your agent for this. Then you don't have to pay that premium. Now, if you have someone in your car who does not live with you and get in an accident, PA may require your insurance to offer no fault to that person. Again, you can talk to your agent.

[Mayfair237]

AND, as far as me being unbiased - insurance is a rip off. You pay and pay and hopefully never need it. BUT, it is mandated by the State. I am guessing you have never been hit by someone who was uninsured. Think about that and how having your own insurance would protect you in that situation.

[pbabu]

Just F***'ing got into accident.

I was about to stop at a traffic light and some idiot ramms me from the back and my car went into the car in front of me. This really sucks because I was coming clear of accidents August 4th this year. Now I gotta wait another three years to switch my insurance company.

Anyways, I guess I get held liable for the car in front of me. Eventhough It was not my fault.

Does anyone have any suggestions about how the accident reporting system works. Will it give me enough time to switch insurance all I need is 10 days.

[juliegt]

Originally Posted by pbabu

Just F***'ing got into accident.

I was about to stop at a traffic light and some idiot ramms me from the back and my car went into the car in front of me. This really sucks because I was coming clear of accidents August 4th this year. Now I gotta wait another three years to switch my insurance company.

Anyways, I guess I get held liable for the car in front of me. Eventhough It was not my fault.

Does anyone have any suggestions about how the accident reporting system works. Will it give me enough time to switch insurance all I need is 10 days.

don't know if it's the same in PA as in CA, but they assign percentage of fault. In other words the accident might be 100% your fault, or 20% your fault and 80% the other driver's fault. I had an accident a few years ago that was determined to be 40% my fault and the other 60% was due to bad weather conditions. I believe the police came up with the percentages, but it may have been the insurance company. I don't remember.

Hope this helps.

[Mayfair237]

pbabu: What happens is an investigation gets done by the insurance companies. As long as the car in front of you says they felt ONE impact to the rear of their vehicle, you should be fine. If that car should report TWO impacts to the rear this would mean you struck them first and then were pushed back into them. Just because you are behind does not mean you are automatically at fault.