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Automobile Insurance question....

R

Red

Diamond Member
As some of you know, I got into a car accident and totalled my car on January 28th. My insurance premium changed from $2000 per year to $2650 per year under my family's auto insurance (Im under my father). Also, they increased my father's premium on his Magnum from $900 per year to $1200 per year, even though he wasn't involved in the accident.

I got a quote from State Farm insurance today, and WITH my accident, and with my OWN policy, and with HIGHER than state minimums, my insurance quote is $1400 per year!!! Cheaper than even before my accident with my old isnurance. Soooo, obviously, I'm switching. My father is now telling me that I damaged his insurance policy by getting in an accident, so even though my insurance is now cheaper with State Farm, I need to pay him $300 per year because they increased HIS premium 300 per year because of my accident. Does this sound legitimate, even if I'm removing myself from the family policy?
 
Originally posted by: Aimster
Originally posted by: z0mb13
your father is actually asking you for $300??
Click to expand...


He's engaged. He is a man now. No father support anymore... well that's how I see it.
Click to expand...

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?
 
Tell your father to check and see if removing you from all of his policies will reduce his rates as well. Chances are that the increased the rates on his car because they assume that you drive it occasionally. If not, suck it up, be a man, and pay your father. It's your fault the premium went up after all.

ZV
 
Originally posted by: z0mb13
Originally posted by: Aimster
Originally posted by: z0mb13
your father is actually asking you for $300??
Click to expand...


He's engaged. He is a man now. No father support anymore... well that's how I see it.
Click to expand...

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?
Click to expand...

A valuable lesson.
 
Calm down moral highergrounders, I simply asked if this was legitimate for an insurance company to punish my father (and no other cars on the policy, like my mother and brother) even though he wasn't involved. If he wants $300, he'll get it. I just want to research it first.
 
Originally posted by: minendo
Originally posted by: z0mb13
Originally posted by: Aimster
Originally posted by: z0mb13
your father is actually asking you for $300??
Click to expand...


He's engaged. He is a man now. No father support anymore... well that's how I see it.
Click to expand...

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?
Click to expand...

A valuable lesson.
Click to expand...

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.
 
Originally posted by: Zenmervolt
Tell your father to check and see if removing you from all of his policies will reduce his rates as well. Chances are that the increased the rates on his car because they assume that you drive it occasionally. If not, suck it up, be a man, and pay your father. It's your fault the premium went up after all.

ZV
Click to expand...


Yes, this is what I'm wondering... if the act of removing me from his policy (as a 22 year old male with a total loss on my record) will reduce the overall policy amount by more than he is asking for anyway :/ I e-mailed out family agent and she is going to let me know tomorrow morning if my father is just in asking me for $300 / year.
 
Originally posted by: z0mb13
Originally posted by: minendo
Originally posted by: z0mb13
Originally posted by: Aimster
Originally posted by: z0mb13
your father is actually asking you for $300??
Click to expand...


He's engaged. He is a man now. No father support anymore... well that's how I see it.
Click to expand...

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?
Click to expand...

A valuable lesson.
Click to expand...

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.
Click to expand...

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.
 
yes... you got into an accident on HIS policy... the ins goes with the car... HIS premium has gone up because of YOU. even if are off the policy, the accident will still show. its very fair
 
Originally posted by: Red
Calm down moral highergrounders, I simply asked if this was legitimate for an insurance company to punish my father (and no other cars on the policy, like my mother and brother) even though he wasn't involved. If he wants $300, he'll get it. I just want to research it first.
Click to expand...

Yes, because the insurance is under his name. You having an accident under his name hurts him.
 
Originally posted by: oldsmoboat
Originally posted by: z0mb13
Originally posted by: minendo
Originally posted by: z0mb13
Originally posted by: Aimster
Originally posted by: z0mb13
your father is actually asking you for $300??
Click to expand...


He's engaged. He is a man now. No father support anymore... well that's how I see it.
Click to expand...

IMO it doesnt matter if he is engaged or not... its only 300?? what is 300 between dad and son?
Click to expand...

A valuable lesson.
Click to expand...

I thought family bond is greater than 300?

I think the op should pay for his father's premium increase, but still the idea of asking money is kind of weird. I will never do that to a family member.
Click to expand...

His father is trying to teach him a lesson about responsibility. Too bad yours never did the same.
Click to expand...

and what makes you all knowing about me and my family?

My brother used my car and damaged it, I didnt have to ask for it, but he gave me the money. Now that is responsibility and family bond. ASking money from a family member is just lame

maybe this is an american thing, you just dont respect your family members, or maybe you value money higher than family?

 
do you live with your father?
if so, even if you get your own policy/are off of his, his rates probably won't go down. they look at all drivers living in the household, figuring that they all might drive the cars on that policy (because people LIE so much these days)
 
Originally posted by: Red
Calm down moral highergrounders, I simply asked if this was legitimate for an insurance company to punish my father even though he wasn't involved. If he wants $300, he'll get it. I just want to research it first.
Click to expand...

Sure it is. It's his policy, or weren't you aware of that fact when he signed you up? What you do affects him because you were on his policy.

It's kind of like co-signing a loan. If you default on the loan it affects his credit because he co-signed.
 
It would be the responsible thing to pay him something to help out... Of course, you could also ask him if he would consider switching to a different insurance if his local agent won't stand up for him. Ask him if you can help him shop around for a better deal. Check with Geico, Amex Insurance, etc... See if you can save some cash...you'd be surprised.
 
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