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27 November 2007 @ 10:00 am
Insurance Company Wackiness...  
The other day my parents got a call (as well as a letter) from our insurance company - with whom we have both auto and home insurance - that they're being dropped from auto because of "too many accidents."  And they're being taken off home insurance because the company wants to force a new policy on them that includes flood insurance. 

Okay, first of all... My parents have not had a lot of car accidents over the past handful of years.  My mom had one back in June 2005 but no one was hurt and there wasn't much damage. I can't even remember the last time my dad had one.  If they're taking me into account (I got hit in a parking lot in January 2005, a collision in July 2005 that totaled my car because some girl decided to use a left turn lane as a passing lane, and I got left-turned by another girl in December 2006... not sure if they'd count me getting hit by a car as a pedestrian this past summer), then it makes no sense because I have my own auto insurance policy.  Why would they count me in? It just makes no sense.  My dad talked to them on the phone and they said it's simply the fact that I still live at home.  No matter that I have my own policy, they still count me because I live with them.  Like not being able to afford living on my own at the age of 30 because of ridiculous costs of living (including taxes) in this area is such a crime.  Apparently the guy was pretty rude to my dad, also. 

As for the flood insurance thing... I have no idea what that's about.  We don't live in a very flood-prone area.  Yes this is an island but where we live it's about 75 ft above sea level.  It's not like New Orleans.  Unless the company is trying to cover their tracks somehow in the extreme outside chance that something like this could happen. 

So I guess they have to shop around for new insurance (and me for new auto insurance).  I just can't believe it because everyone we've dealt with in this company has always been very reasonable.
Current Mood: annoyedannoyed
(Deleted comment)
jessm78: wtfjessm78 on November 27th, 2007 12:32 pm (UTC)
Yeah, I couldn't believe it! They used to be so nice (or at the least reasonable) when we've dealt with them in the past. Guess they changed hands recently.... *is angry*
Angeladjfavorite on November 27th, 2007 01:18 pm (UTC)
If I was your dad, I'd check with the state Insurance Commissioner to see if there's anything he and you can do.
jessm78: Fire and Waterjessm78 on November 27th, 2007 04:13 pm (UTC)
Yeah, I'm going to mention that to him. Hopefully we can get something straightened out. Thanks :)
Amy Cooper: Cat Killeramycooper on November 27th, 2007 02:31 pm (UTC)
I hate insurance companies. I'm sorry you have to deal with that. (((HUGS)))
jessm78: kissesjessm78 on November 27th, 2007 04:16 pm (UTC)
Yeah, they're a real pain in the mitka. First health insurance (I have allergies & asthma, and some of the meds I was taking the company will no longer pay for...) and now this.

Thanks for the hugs though, I'm hoping we can get this straightened out somehow. (((HUGS back)))
Amy Cooperamycooper on November 27th, 2007 04:32 pm (UTC)
I have allergies and asthma too. Insurance companies aren't much better. I'm lucky to have decent health insurance (working for the state) but even they're sorta going in the wrong direction. They have a "preferred drug list" now so that my asthma inhaler is $30. I can't use what they'd prefer me to use because it gives me panic attacks. :(
jessm78: kissesjessm78 on November 27th, 2007 11:18 pm (UTC)
Yeah, I hear ya. I have the same thing with my insurance. A couple of my meds aren't on the "preferred" list either, and one of their recommended ones makes me a bit ill too. I'm probably going to have to get a new asthma inhaler soon ...got a letter from them not too long ago that they won't pay for it anymore.

Stinks, doesn't it :(
cindy_zcindy_z on November 27th, 2007 10:37 pm (UTC)
Hey...that really sucks! oh...I have added you as a freind onto my LJ. about time I gotten around to that. I frequently read your journal. never before today have I commented, though. take care Jess.
jessm78: kissesjessm78 on November 27th, 2007 11:20 pm (UTC)
Hey cindy :) Thanks for friending me - I just friended you back.

Yeah it does suck... we're going to look into this a little more, I'm hoping it can get straightened out.
strider6strider6 on November 27th, 2007 11:35 pm (UTC)
Hi Jess,
Many people on LI are having the same problem. Newsday has written several articles about it this year. We just switched our homeowners from Nationwide to Amica. They provided better coverage for a slightly lower price! (In case your parents are interested)
jessm78: Fire and Waterjessm78 on November 28th, 2007 12:07 am (UTC)
Thanks for the heads up! As bad as it sounds I'm glad we're not the only ones dealing with this.

I'll pass this info on to my parents. Thanks again!