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I'm moved back to Oklahoma. The only thing that went up was my car insurance. I thought it was nonsense, but 3 hail storms, crushed car (tree limbs), tornado an
by iolothebard 11y ago
I'm moved back to Oklahoma. The only thing that went up was my car insurance. I thought it was nonsense, but 3 hail storms, crushed car (tree limbs), tornado and 2 hit and run drivers (likely uninsured). I can see why. I pay about 200 more a year. My insurance company has paid 36k to fix my cars the last two years.
My only surprise is that they haven't dropped me. Oh yeah, they paid to fix my rental car when it got crushed by a tree limb while my car was getting fixed from a hit and run.
- criddell 11y ago> 3 hail storms, crushed car (tree limbs), tornado and 2 hit and run drivers (likely uninsured) Why should any of those claims make your rate go up? If a tree crushes your car you aren't a bigger risk to insure next year.
- sondring 11y agoSounds like he's not parking in a garage. I could see that leading to higher rates in some ares of the US.
- criddell 11y agoHe wasn't parked in a garage before either. If the cost of insurance is based on risk, the fact that a tree falls on your car doesn't increase your risk. If anything, the risk in the future may be lower as presumably that tree isn't going to fall on the car again.
- binarycrusader 11y agoGeico, as an example, no longer cares if you park your car in a garage (secured) or not. I was explicitly told they no longer consider it statistically meaningful. Instead, they go off statistics from the area code that your vehicle will generally be parked in and how far your commute to work is.
- mratzloff 11y agoHail storms and tornadoes are more likely than where he used to live, I'd suppose?
- iolothebard 11y agoOklahoma has an extraordinarily high rate of uninsured drivers. The tree that crushed my car was a result of an ice storm. We get those frequently as well. (My entire lot is covered in trees.)