My truck and a pole

[dajogejr]

I wouldn't blame your raised insurance rates on the one claim you had. Insurance rates are skyrocketing.

Sorry.. that doesn’t hold water with me. Customer of the previous 10 years.
Pay off the policy 6 months at a time, always modest increases, sometimes flat.
The first renewal after the accident, my only accident while with them, 30% increase.

Scott, no offense and I don’t mean this directed towards you. I have zero empathy towards insurance companies.
If they can afford to have a commercial every other second on TV…that costs money. It costs a LOT of money.
Between Allstate, State Farm, Progressive, Geico, and Liberty Mutual… I bet you can’t watch TV now a days without seeing one of those 5, if not more, during any single commercial break watching.

I know Progressive and Geico both spend over 1B, yep, billion, on advertising a year.

Sorry, rant over. It ended up working out better for me. I found insurance for 20% or so less than I was paying pre-jacked up rates and paid it off for a year instead.

 

[theblet]

You mentioned the back-up sensors didn't warn you in your first post, just to confirm, you have the auto brakes shut-off, but your rear sensors are still operational? The center console toggle for the rear sensors are still on?

Yes, auto braking is off but the park assist sensors are still on

 

[FastBlackRam]

Yes, auto braking is off but the park assist sensors are still on

Mine very rarely gives a false slam but 99% of the time the help is real and I like it. It scares my passenger more than me.

 

[scottmoyer]

Sorry.. that doesn’t hold water with me. Customer of the previous 10 years.
Pay off the policy 6 months at a time, always modest increases, sometimes flat.
The first renewal after the accident, my only accident while with them, 30% increase.

Scott, no offense and I don’t mean this directed towards you. I have zero empathy towards insurance companies.
If they can afford to have a commercial every other second on TV…that costs money. It costs a LOT of money.
Between Allstate, State Farm, Progressive, Geico, and Liberty Mutual… I bet you can’t watch TV now a days without seeing one of those 5, if not more, during any single commercial break watching.

I know Progressive and Geico both spend over 1B, yep, billion, on advertising a year.

Sorry, rant over. It ended up working out better for me. I found insurance for 20% or so less than I was paying pre-jacked up rates and paid it off for a year instead.

As I said, I have nothing good to say about the mandatory extortion industry either. I agree with you on the commercials, too. That said, my explanation above is still valid reasoning for why rates are going up. Could they spend less on advertising? Sure. But they won't. Every carrier advertises that they can save you $500 or more per year, but can they really? And what about the commercials from Farmer's Insurance advertising that they cover everything, up to and including, stupidity? So, then you have people making claims when they shouldn't, which again makes for higher expenditures, so they have to raise rates to maintain or increase their profits.

It always falls on the consumer.

 

[dajogejr]

As I said, I have nothing good to say about the mandatory extortion industry either. I agree with you on the commercials, too. That said, my explanation above is still valid reasoning for why rates are going up. Could they spend less on advertising? Sure. But they won't. Every carrier advertises that they can save you $500 or more per year, but can they really? And what about the commercials from Farmer's Insurance advertising that they cover everything, up to and including, stupidity? So, then you have people making claims when they shouldn't, which again makes for higher expenditures, so they have to raise rates to maintain or increase their profits.

It always falls on the consumer.

You forgot… get protected against mayhem like me…. Those, are actually the funniest.. LOL.
You’re not wrong… and yes, we bear the brunt of it no matter what.

 

[theblet]

So basically what I’m getting from PDR shops i talked to is they don’t want to touch it. Saying that the location is too hard to fix, it would take hours, the paint would be screwed, and would not look very good. One shop quoted me $500 if I still wanted them to do it. Still waiting to hear from a couple more shops.

Also going to a body shop for a quote today.

 

[SD Rebel]

So basically what I’m getting from PDR shops i talked to is they don’t want to touch it. Saying that the location is too hard to fix, it would take hours, the paint would be screwed, and would not look very good. One shop quoted me $500 if I still wanted them to do it. Still waiting to hear from a couple more shops.

Also going to a body shop for a quote today.

PDR is just as much an art as science, in case you haven't tried this already, I would check your local Yelp reviews for the highest and best reviewed PDR guys, best ones are mobile, and get a quote from them.

 

[HSKR R/T]

So basically what I’m getting from PDR shops i talked to is they don’t want to touch it. Saying that the location is too hard to fix, it would take hours, the paint would be screwed, and would not look very good. One shop quoted me $500 if I still wanted them to do it. Still waiting to hear from a couple more shops.

Also going to a body shop for a quote today.

PDR is just as much an art as science, in case you haven't tried this already, I would check your local Yelp reviews for the highest and best reviewed PDR guys, best ones are mobile, and get a quote from them.

$500 sounds reasonable. I was quoted $300 to pop out s smal dent in my tailgate from a trailer jack, and on on my bedside. And that was with me removing the plastic bed rail and tailgate cap. But it was one of the best shops in town.

 

[cerbo]

I think you may be shocked when you see what it costs to fix it correctly, I hope I m wrong .

 

[theblet]

$2700 out of pocket to repair at the body shop.

I have a $500 deductible through Farm Bureau. Question now is am i gonna get screwed or dropped if I use it.

Otherwise, i could just straighten my bumper with a come a long, change the taillight, and live with the dent.

 

[HSKR R/T]

$2700 out of pocket to repair at the body shop.

I have a $500 deductible through Farm Bureau. Question now is am i gonna get screwed or dropped if I use it.

Otherwise, i could just straighten my bumper with a come a long, change the taillight, and live with the dent.

If they drop you over making a claim, are they really a company you want to use?

 

[cerbo]

fix the truck correctly. you can always shop insurance. I said you r gonna be surprised . You obviously like your truck a lot or you wouldn't be on a forum.

 

[theblet]

fix the truck correctly. you can always shop insurance. I said you r gonna be surprised . You obviously like your truck a lot or you wouldn't be on a forum.

Yes I like it a lot lol.

I have a friend whose wife hit a parked car, and they raised their insurance $100 a month for 3 years because or the claim to fix the car she hit. He didn’t even fix theirs.

Hoping not to be in this boat

 

[PurpleRT]

Yep let insurance fix it the right way. If they jack up your rates after… it’s time to shop a new Insurance company. I think they do it knowing a lot of people would just accept the increase and keep paying it rather than change whats probably has been working for them.


Sent from my iPhone using Tapatalk

 

[HSKR R/T]

Yes I like it a lot lol.

I have a friend whose wife hit a parked car, and they raised their insurance $100 a month for 3 years because or the claim to fix the car she hit. He didn’t even fix theirs.

Hoping not to be in this boat

You are definitely going to have increased rates for an at fault accident when they have to fix someone else's vehicle.