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Old 12-05-2023, 07:59 PM
 
Location: Sylmar, a part of Los Angeles
8,351 posts, read 6,443,466 times
Reputation: 17468

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Another thing, I'm scared of my auto insurance canceling me. I have been with them as long as I can remember, possibly decades and they have paid claims before. Is it because I have been with them a long time that they haven't canceled me?
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Old 12-06-2023, 06:15 AM
 
Location: On the Chesapeake
45,454 posts, read 60,666,498 times
Reputation: 61073
Quote:
Originally Posted by V8 Vega View Post
Another thing, I'm scared of my auto insurance canceling me. I have been with them as long as I can remember, possibly decades and they have paid claims before. Is it because I have been with them a long time that they haven't canceled me?
You likely have accident forgiveness.
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Old 12-07-2023, 05:59 AM
 
Location: Phoenix, AZ
6,341 posts, read 4,920,036 times
Reputation: 18009
Quote:
Originally Posted by V8 Vega View Post
Another thing, I'm scared of my auto insurance canceling me. I have been with them as long as I can remember, possibly decades and they have paid claims before. Is it because I have been with them a long time that they haven't canceled me?
First you have to understand the difference between cancellation and non-renewal. Cancellation occurs within the policy term. Non-renewal occurs at the end of the policy term.

Here's the CA cancellation statute:

https://law.justia.com/codes/califor...0/section-661/

And the limitation on non-renewal:

https://law.justia.com/codes/califor...section-663-5/
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Old 12-07-2023, 06:40 AM
 
17,354 posts, read 22,099,637 times
Reputation: 29754
Quote:
Originally Posted by V8 Vega View Post
Another thing, I'm scared of my auto insurance canceling me. I have been with them as long as I can remember, possibly decades and they have paid claims before. Is it because I have been with them a long time that they haven't canceled me?
You mentioned in another thread you are 79. Depending on this claim payout, you might get cancelled due to your age and prior claims regardless of how long you have been a customer
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Old 12-08-2023, 07:30 AM
 
Location: Raleigh
13,715 posts, read 12,456,466 times
Reputation: 20227
Quote:
Originally Posted by markg91359 View Post
It may be a comparative negligence situation. However, even if the bicycle struck the rear of the poster's car he still should have been able to see it coming and should have yielded the right of way. Even if it is illegal to ride a bicycle on the sidewalk that is not dispositive of this case. Its also illegal not to yield the right of way. If the case ended up going to trial a jury would have to decide who was more at fault.
If he struck the car with enough speed to smash up the bike then he was likely going really fast...fast enough that OP may not have noticed him exercising a reasonable duty of care.

I've been struck by a vehicle on a bike and the bike wasn't smashed. I've crashed on bikes multiple times and never smashed one.
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Old 12-16-2023, 08:07 AM
 
Location: Sylmar, a part of Los Angeles
8,351 posts, read 6,443,466 times
Reputation: 17468
I haven't heard from my insurance or the Law firm for some time now. My claims adjuster told me they wanted to clear this up as soon as possible. I'm now wondering if they have paid the claim. I have had this insurance for a long time and I know they have paid smaller claims in the past and never said anything to me.
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Old 12-16-2023, 08:13 PM
 
740 posts, read 458,012 times
Reputation: 1470
This is the reason why I maxed out my coverage at 500/500. And also carry an umbrella policy. You never know.
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Old 12-17-2023, 09:11 AM
 
14,409 posts, read 14,329,059 times
Reputation: 45744
Quote:
Originally Posted by mikefong123 View Post
This is the reason why I maxed out my coverage at 500/500. And also carry an umbrella policy. You never know.
I second this and would encourage you to max out uninsured/underinsured coverage and add that to your umbrella as well.

Some people really cannot afford that kind of coverage. I would encourage those to simply purchase the highest limits that they can. My daughter who earns about $45,000 a year has a $250k/$500k policy on her car that also includes uninsured motorist/underinsured motorist limits.

Do what you can. Don't make the mistake of buying the lowest limits a state will let you have because that's the cheapest option. You get what you pay for in life.
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Old 12-21-2023, 06:35 AM
 
Location: Phoenix, AZ
6,341 posts, read 4,920,036 times
Reputation: 18009
Quote:
Originally Posted by V8 Vega View Post
I'm now wondering if they have paid the claim.
Call up and ask.
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Old 12-31-2023, 08:23 PM
 
Location: Sylmar, a part of Los Angeles
8,351 posts, read 6,443,466 times
Reputation: 17468
The Lawyer had me do a sworn deposition last Friday via zoom. My insurance claims adjuster and a lawer from my insurance also was there and advised me when I didn't have to answer the lawyer's questions. I did answer that I owned my house and car, which I regret and wish I hadent.
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