Preface: Commerce insurance needs to die. Seriously. My dad works as a mechanic at this large shop in my town, the owner of which has said 'I would turn people away if they had Commerce Insurance, if they weren't accounting for about 30% of the business that comes in here". Keep in mind that my policy renews in August every year.
Chapter 1: In November of 2004 I was sitting at a stop sign at a t-shaped intersection...I was on the vertical portion of the T....a guy is traveling on the horizontal portion of the T and is about to turn onto the vertical portion...he's not in the oncoming lane directly in front of me..he's in the lane across from that. He takes the turn to sharp and hits me HEAD ON in MY LANE while I'm at the stop sign. Commerce finds 50-50 fault. they say 'well according to the police report you were about 5" over the white stop line". I tell the lady that I have a copy of the police report in my hands at that very second and it says no such thing. She tells me "oh..that doesn't matter...um..." and then goes off on a tangent. My insurance, and my urge to kill, rises slightly.
Chapter 2: I had actually gotten into a VERY minor accident that was my fault, in very early 2005. We filled out the insurance paperwork, my insurance only went up like 25/month for the rest of 2005, the policy renews in August at about the same rate that I had been paying after the accident. I get a new car in January of 2006. I call up the agency to get a quote from the insurance company...I get the quote, I'm happy with it, I get the car. A few weeks later I get 'adjustment' forms....my policy is going up about 10/month...I'm kind of pissed, but let it slide. Then TWO DAYS LATER I get MORE adjustment forms saying it's going up 40/month. I'm irate. I call up my insurance company....they say 'oh yeah it's for the accident you got in early on in 2005'. I say 'that was TWO policy renewals ago, AND my insurance went up at the time OF that accident, AND I just called you people 3 weeks ago before I bought the car to get a quote and you told me something that was nearly 70 dollars less than you want me to pay now'. AAAAAAAAAAAAUGH. I said something along the lines of 'you ADDED surcharges onto my insurance right after that accident, why is it going up again from the SAME ACCIDENT, and why did it take you 3 weeks to add it on, and why did you ****** it up the first time, and 2 days later add on even more?' the lady responded with some sort of snippy reply, and I mentally saw myself giving her a swirlie in a school house toilet. SHe also tells me that Mass. is redoing insurance laws, so everyone's insurance is going down.
Chapter 3: Today I get my policy renewal for this insurance policy, and it hasn't gone down, in fact it went up like 3 bucks and under accidents there's TWO listed...the one from early 2005...and one for July 15th!!!!!! I wasn't in any accident!! I never filed a police report, nor did anyone else, I never received any notification from insurance company, or received ANY paperwork from them about ANY supposed accident on July 15th of 2005!!!! How the ****** can they just add 3 points onto my insurance rating thing without even NOTIFYING me that anyone had filed a claim against me OR asked me for my side of whatever supposed accident this was?!?!?!?! I will now light myself on fire, make a thread about an internet-model girlfriend, and join the military so I can get lost in some desert somewhere.
Chapter 1: In November of 2004 I was sitting at a stop sign at a t-shaped intersection...I was on the vertical portion of the T....a guy is traveling on the horizontal portion of the T and is about to turn onto the vertical portion...he's not in the oncoming lane directly in front of me..he's in the lane across from that. He takes the turn to sharp and hits me HEAD ON in MY LANE while I'm at the stop sign. Commerce finds 50-50 fault. they say 'well according to the police report you were about 5" over the white stop line". I tell the lady that I have a copy of the police report in my hands at that very second and it says no such thing. She tells me "oh..that doesn't matter...um..." and then goes off on a tangent. My insurance, and my urge to kill, rises slightly.
Chapter 2: I had actually gotten into a VERY minor accident that was my fault, in very early 2005. We filled out the insurance paperwork, my insurance only went up like 25/month for the rest of 2005, the policy renews in August at about the same rate that I had been paying after the accident. I get a new car in January of 2006. I call up the agency to get a quote from the insurance company...I get the quote, I'm happy with it, I get the car. A few weeks later I get 'adjustment' forms....my policy is going up about 10/month...I'm kind of pissed, but let it slide. Then TWO DAYS LATER I get MORE adjustment forms saying it's going up 40/month. I'm irate. I call up my insurance company....they say 'oh yeah it's for the accident you got in early on in 2005'. I say 'that was TWO policy renewals ago, AND my insurance went up at the time OF that accident, AND I just called you people 3 weeks ago before I bought the car to get a quote and you told me something that was nearly 70 dollars less than you want me to pay now'. AAAAAAAAAAAAUGH. I said something along the lines of 'you ADDED surcharges onto my insurance right after that accident, why is it going up again from the SAME ACCIDENT, and why did it take you 3 weeks to add it on, and why did you ****** it up the first time, and 2 days later add on even more?' the lady responded with some sort of snippy reply, and I mentally saw myself giving her a swirlie in a school house toilet. SHe also tells me that Mass. is redoing insurance laws, so everyone's insurance is going down.
Chapter 3: Today I get my policy renewal for this insurance policy, and it hasn't gone down, in fact it went up like 3 bucks and under accidents there's TWO listed...the one from early 2005...and one for July 15th!!!!!! I wasn't in any accident!! I never filed a police report, nor did anyone else, I never received any notification from insurance company, or received ANY paperwork from them about ANY supposed accident on July 15th of 2005!!!! How the ****** can they just add 3 points onto my insurance rating thing without even NOTIFYING me that anyone had filed a claim against me OR asked me for my side of whatever supposed accident this was?!?!?!?! I will now light myself on fire, make a thread about an internet-model girlfriend, and join the military so I can get lost in some desert somewhere.
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