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@justhime there are plenty of states that prohibit insurers from rating based on not-at-fault accidents by statute

@stephaniemfoster ks allows them to use any "nationally recognized automobile evaluation publications" so it looks like nada (now owned by jd power) is fair game sounds like they're using better numbers that the bank gave you which is nice for you they're offering you clean condition, which is...

@mlshelton1975 how is it petty to not want commercial traffic on his residential driveway lol

@stephaniemfoster what state

@4bears man those two sentences are so plainly identical, i have no idea how i could possibly have misunderstood

@calledandchosen yeah i think it's just an "unwritten rule" kind of thing; i don't have any knowledge that it's actually been adjudicated my common sense brain says the rule should really be "three or more trades that need to be coordinated" based on kinda what's reasonable take a siding and...

@calledandchosen i think if you're meeting the three trade rule and getting pushback on 10 & 10, that's crazy and bordering on bad faith if you're running plumbing & drywall or deck rebuild or fence jobs, well that's a different story lol

@4bears advising people against an attorney, which is pretty explicit legal advice, would be an insta-termination at any carrier i've ever worked at lol not that i disagree with the content of the message of course, just the audacity of actually delivering it your manager know you're doing that?

@matt12345 you bet google "iso vehicle symbols" and there's lots more info on it; many/most insurers rely on the same provider of this info so it's generally pretty uniform regardless of the company

@matt12345 cost of repairs, historical data of loss history (accidents and thefts), msrp, vehicle stats (weight, safety equipment, vehicle body style) all factor in you should not lower your liability or uninsured motorist limits to affect the price; raising deductibles is acceptable if you can...

@abhishek direct messages are not allowed in this subreddit /@abhishek -- that's the kind of thing that gets you banned around here so don't do it again it's impossible for anyone to tell you whether your coverages are adequate without reviewing your cc&r's/bylaws and your condo master policy...

@theodorealexander easier if you just post a link or screenshot to the sob's for each plan

@abhishek strongly recommend letting an agent do this for you for free but it's your world

@abhishek condo insurance is pretty much never a diy endeavor, because someone knowledgeable needs to review your cc&r's/bylaws and condo master policy and make your coverages fill the gaps right offhand though, i'd be terrified to be in a shared building without loss assessment coverage

@saved1970 it'll be much easier on you to just use a progressive network shop

@mikeyrobbie yep

@mikeyrobbie they hit all the benchmarks make way more money recruiting suckers to sell crap than by being a sucker selling crap offer shittier products at higher prices than the market as a whole nobody's sellling anything there (average rep sells three policies a year) nobody makes any money...

@mikeyrobbie pyramid scheme

@caymele in tx, the threshold is 100% of actual cash value, so if repair costs exceed the value of the vehicle pre-accident, they must total it

@caymele the insurer is bound by the laws of your state -- if the repair cost exceeds the threshold your state has set to total a vehicle, nothing anybody can do to stop it except maybe withdraw the claim entirely