LeftieBiker
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Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 2:25 pm

I thought claiming an accident that wasn't your fault, such as the hit and run, wouldn't ding your rates.
This was called "no fault" insurance when it was introduced, but a more accurate term would be "YOUR Fault insurance." They just raise the rates for everyone involved. It's great - for the insurance industry.
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danrjones
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Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 7:27 pm

LeftieBiker wrote:
Tue Mar 03, 2020 2:25 pm
I thought claiming an accident that wasn't your fault, such as the hit and run, wouldn't ding your rates.
This was called "no fault" insurance when it was introduced, but a more accurate term would be "YOUR Fault insurance." They just raise the rates for everyone involved. It's great - for the insurance industry.
When someone unknown damages your vehicle, who should pay? Beyond the obvious, who will never get caught.

If you are arguing for not for profit auto insurance then I'm all ears!

Anyway they did not raise my rates.
2018 Leaf SV Pearl White with Tech and All Weather, Purchased New on 5/3/19

LeftieBiker
Moderator
Posts: 15253
Joined: Wed May 22, 2013 3:17 am
Delivery Date: 30 Apr 2018
Location: Upstate New York, US

Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 7:31 pm

When someone unknown damages your vehicle, who should pay?
When another driver damages your vehicle, should your rates be raised?
Scarlet Ember 2018 Leaf SL W/ Pro Pilot
2009 Vectrix VX-1 W/18 Leaf modules, & 3 EZIP E-bicycles.
BAFX OBDII Dongle
PLEASE don't PM me with Leaf questions. Just post in the topic that seems most appropriate.

cwerdna
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Location: SF Bay Area, CA

Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 7:38 pm

danrjones wrote:
Tue Mar 03, 2020 10:52 am
Isn't there a law in CA that limits when your rates are allowed to go up?

I thought claiming an accident that wasn't your fault, such as the hit and run, wouldn't ding your rates.
I don't know the law but someone else on another forum pointed that out to me. Despite that assurance or whatever, I don't trust it.

To me, an insurance company can find any excuse to raise my rates, possibly stating it was for some "other" reason(s). I receive some papers every year where they decided to raise or lower my rates and I have no say in it.

My insurance is already very high and I can't lower my limits due to my net worth/what I could possibly lose. I also have umbrella insurance now.

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danrjones
Posts: 715
Joined: Wed Apr 17, 2019 8:02 am
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Location: Ridgecrest, CA

Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 7:41 pm

LeftieBiker wrote:
Tue Mar 03, 2020 7:31 pm
When someone unknown damages your vehicle, who should pay?
When another driver damages your vehicle, should your rates be raised?
Ideally no.

And in my case my rates were not raised.
2018 Leaf SV Pearl White with Tech and All Weather, Purchased New on 5/3/19

LeftieBiker
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Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 8:04 pm

That explains your support for "no fault" insurance, then. Other peoples' reality may vary. I, for instance, got rear-ended on an off ramp with a yield sign. The other driver was clearly at fault, and left the scene. (I got his plate number.) My rates went up, and I was reimbursed for only the bumper cover instead of the whole bumper and mounts. that were damaged. I had to do all the work myself just to cover the parts.
Scarlet Ember 2018 Leaf SL W/ Pro Pilot
2009 Vectrix VX-1 W/18 Leaf modules, & 3 EZIP E-bicycles.
BAFX OBDII Dongle
PLEASE don't PM me with Leaf questions. Just post in the topic that seems most appropriate.

danrjones
Posts: 715
Joined: Wed Apr 17, 2019 8:02 am
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Location: Ridgecrest, CA

Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 8:46 pm

LeftieBiker wrote:
Tue Mar 03, 2020 8:04 pm
That explains your support for "no fault" insurance, then. Other peoples' reality may vary. I, for instance, got rear-ended on an off ramp with a yield sign. The other driver was clearly at fault, and left the scene. (I got his plate number.) My rates went up, and I was reimbursed for only the bumper cover instead of the whole bumper and mounts. that were damaged. I had to do all the work myself just to cover the parts.
That seems completely unfair to you. I get that in life someone has to pay. In your case it should have been them. In my case, I've been paying into state farm for years. I have never had an accident so I've more than covered costs for someone damaging my old truck. Statefarm has made a ton of cash off me so the idea I should be penalized for someone else's bad behavior is unpalatable.

Ymmv
2018 Leaf SV Pearl White with Tech and All Weather, Purchased New on 5/3/19

LeftieBiker
Moderator
Posts: 15253
Joined: Wed May 22, 2013 3:17 am
Delivery Date: 30 Apr 2018
Location: Upstate New York, US

Re: people getting rid of their Leafs/EVs/PHEVs and going back to ICEVs

Tue Mar 03, 2020 9:56 pm

State Farm, IIRC, has a s 'first accident forgiveness' option, which I assume you have. As you say, you did prepay for the damage over the years. That isn't generally how car insurance works.
Scarlet Ember 2018 Leaf SL W/ Pro Pilot
2009 Vectrix VX-1 W/18 Leaf modules, & 3 EZIP E-bicycles.
BAFX OBDII Dongle
PLEASE don't PM me with Leaf questions. Just post in the topic that seems most appropriate.

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