Blackmailed by Insurance Company's

[FSTJACK]

I went to LACR Palmdale on 5-20-06 and took my Pride Legend handicapped scooter with me. (I have Fibromylgia)
I got home about 11:30PM Saturday night and was exhausted. I started out at 4:30AM Saturday. Being tired I decided to leave the scooter on the rack on the back of my dually and deal with it in the mourning (I live in a pretty good neighborhood, I thought). Well sometime before 9:00AM Sunday it was stolen. Low life Cocksu$%ers.
I have been told that I can claim it on my homeowners Insurance (with 1000.00 deductible) and my rates will go up 25% next year and 15% the year after. That comes to 800.00 increase just in the first 2 years. I pay 1766.00 per year now. I have never filed a claim on my homeowners ins for the 38 years I have owned a home. I feel like I am being blackmailed from filing a legitimate claim.
I have a good friend who is an Ins adjuster and he says don't file a claim unless it is a big loss (over 10,000.00) or the possibility of a large liability case.

I have another friend that filed a claim 4 years ago and was dropped the next year and had to go to an all risk pool and pay double what he had been paying for homeowners. This was after a pipe burst. He had a lot of trouble finding the pool company to even get homeowners insurance.

Screwed one more time by my Insurance Co.
I think they belong right up there with the oil company's.
My opinion.

 

[Bone]

It took me two claims before mine went up. (USAA) They werent big claims either.:dontknow:

 

[NBT]

They have us tip toeing around here in FL...rate hikes...and now the state wants to drop a 1% fee to all residents of Florida to help insurance companies with recovery $$ related to Hurricaines. :dontknow:
Could not imagine trying to get an insurance company to even write a policy now that hurricaine season is here....going to be another interesting season.... I would not want to have to file a claim here ...they would drop us for sure.

BTW...insurance industry still made a profit last year.....

Sorry to hear Jack....it's really a bunch of BS....for something you pay for

 

[K-80-123]

Sorry to hear about this Jack.....let me know if you need to use one of my AR-15's for a while.

 

[CarDude]

I fought with an insurance company and won. I had been in three accidents in a short period of time…only problem was it was uninsured motorists who had hit me and none were my fault (one drunk…no insurance, one who lost his license…no insurance, one ran me off the road…never to be found). Yeah, Yeah, I know, I know…bad streak of idiots on the road, trust me if I could have seen the idiots coming and have done something about it I would have. Allstank decided to drop me. I called BS and telephoned the Insurance Commissioner. Received a nice apology letter and reinstatement from Allstate with no change in rates…because that’s what insurance is for.

 

[Big Asp]

That sucks, Jack! Very frustrating to have it stolen in the first place and then to be jerked around.

I pay a little extra for Farmers but it's worth it to me. They have always taken care of me with no games and no rate increases - even through raising four teenagers and lots of fender benders. Never made a homeowner's claim though.

 

[Blakewilder]

I got robbed for 40grand in home stuff and the fuckers had the balls to investigate me like I did it! They paid though.

 

[JTS VENOM PERFORMANCE]

Insurance agency's are nothing but a rip! They take your money for years, then when you make a claim ,exactly they want to drop your ass!
They definitly dont want to pay out!
I had the same a number of years back, hugo, bad storm, made a claim , months later see ya!
But exactly if they do call the commisioner and make a claim against them,or hell Jack call them first and tell them of the 25% and ask the commmision on this, it may be worth the call.

 

[OCBob]

Jack, that really blows my Friend. As far as the insurance goes though, you are absolutley correct, don't even try to file a claim unless it is 5 figures. I don't know about the rest of the country but insurance companies are fleeing this state like rats on a sinking ship. And you can forget about earthquake insurance.

 

[JTS VENOM PERFORMANCE]

I know this want sound funny, but me and Jack has discussed this deal.

But cant ya just see a crack head or pot head tooddling down the highway , smokin a bong in Jacks chair?lololololol

 

[Azmotorhead]

Bone:Watch it there a neighbor had USAA and they dropped him after 3 claims in a 5yr period.
I have USAA also and thankfully haven't had to file a claim

 

[ROKTMAN]

.......

 

[ROKTMAN]

That sucks Jack.Hope you can find an alternative.Good luck.

 

[FSTJACK]

I know this want sound funny, but me and Jack has discussed this deal.

But cant ya just see a crack head or pot head tooddling down the highway , smokin a bong in Jacks chair?lololololol

Tony you are a Dic((-)ead. I got a visual on that one, and spit coffee all over the keyboard. Pretty funny my friend.

 

[UNIBOY]

That just sucks Jack. Not sure how much the scooter cost but is the cost they are going to raise the price of your policy plus the deductible going to equal the price of a new scooter?
Mas

 

[mmmmtorque]

Thats fucked up...Dont see how someone would steal a wheel chair, scooter etc...Low life scum.

Insurance company probably hired the guy to steal it so they get more $ out of you over the long run.

Guess you will have to install lojack on the next one...

 

[OCBob]

You know Jack, it was probably some kids that stole the damn thing. Keep your eyes open in the neighborhood, hopefully you will get lucky and find it. And when you do maybe you can teach them a little lesson, we have done it to bike thieves in the past, goes something like put your hand right here, while I grab this 12 lb sledge.

 

[RedSrt007]

jack, lets get a go cart for 200 bucks, put it on the back of your truck and leave it over night there. I have a few more GPS units at work we could use, and see if whoever steals it has your wheelchair too!

 

[OCBob]

jack, lets get a go cart for 200 bucks, put it on the back of your truck and leave it over night there. I have a few more GPS units at work we could use, and see if whoever steals it has your wheelchair too!

There you go, I like the way you are thinking Patrick.

 

[ILtemprd]

That sucks Jack. I feel sorry for the poor bastard they sell it too. I'm sure YOU have a special button on this this thing that will blast it through the quarter mile. I hope we will be seeing one of those high speed chases down the Interstate on the national news pretty soon. I'll be watching.