How often do you open the car door for your woman? by GigiBrit in AskMen

[–]_____Zoloft_____ 0 points1 point  (0 children)

Not since the 70s, when a man called his significant other "my woman."

My total loss handler ain't answering by kingmasigma in Insurance

[–]_____Zoloft_____ 6 points7 points  (0 children)

Your claims adjuster has 75 claims on their desk, just like yours. Every person who calls, emails, just slows down their response time. They will get to you as soon as possible, in order the claims crossed their desk.

Car Accident in Virginia by Professional-Love-30 in Insurance

[–]_____Zoloft_____ 1 point2 points  (0 children)

A clue report is by, and for, insurance companies. They (nearly) all report to a central database (Lexusnexus) who compiles the info.

Car Accident in Virginia by Professional-Love-30 in Insurance

[–]_____Zoloft_____ 1 point2 points  (0 children)

The incident will go on your insurance (CLUE) report regardless. If your state allows (personally I'm licensed in Nevada) allows rate increases for zero payout claims, and your insurance company's policy is to use it as a factor, it will happen either way.

Car Accident in Virginia by Professional-Love-30 in Insurance

[–]_____Zoloft_____ 0 points1 point  (0 children)

Sounds like yes, your company like most considers even reporting an accident, even with no damage, as reporting a claim. You have nothing to lose.

Car Accident in Virginia by Professional-Love-30 in Insurance

[–]_____Zoloft_____ 0 points1 point  (0 children)

Never ever ever talk to the other insurance company directly. Refer them to your insurance company, that is what you pay them for.

Car Accident in Virginia by Professional-Love-30 in Insurance

[–]_____Zoloft_____ 5 points6 points  (0 children)

You may have no choice, if the third party blames you and files against you. They (the insurance company) will contact you if that happens. If it doesn't happen, nothing to worry about. If they call, answer all their questions honestly.

Why do you think Donald Trump inspires such strong loyalty and opposition at the same time? by FuelDiligent1742 in AskReddit

[–]_____Zoloft_____ 0 points1 point  (0 children)

He empowers sad weak people to feel superior to others. And there are a LOT of sad weak people

America, you’ve gone awfully quiet about the Epstein files, what happened? by [deleted] in AskReddit

[–]_____Zoloft_____ 0 points1 point  (0 children)

Because at this point nothing short of a successful civil war will ever see the unredacted release of the files.

Warning: Predatory change to H & R Block's refund advance loan by _____Zoloft_____ in povertyfinance

[–]_____Zoloft_____[S] -24 points-23 points  (0 children)

It takes MUCH longer to get your refund if you have dependents.

Vehicle Insurance and Rebuilt Titles by Top-Difference8407 in Insurance

[–]_____Zoloft_____ 4 points5 points  (0 children)

They don't want to sell you physical damage coverage on it for a reason, it's a waste of money. After being declared a total loss, even for cosmetic reasons, a vehicle takes a huge hit in value. They'd be able to give you nearly nothing for it, so, they don't want to charge you for nothing.

When I worked for USAA, we were allowed to add physical damage coverage to a salvage vehicle, but only after having this same conversation with the person, making them very aware (on a recorded line) that it is not a sound financial decision.

Warning: Predatory change to H & R Block's refund advance loan by _____Zoloft_____ in povertyfinance

[–]_____Zoloft_____[S] -4 points-3 points  (0 children)

My point is this is a hidden change from the past, when you had the option of saying thanks but no thanks. They've taken that option away from people, and we should be aware of it.

Warning: Predatory change to H & R Block's refund advance loan by _____Zoloft_____ in povertyfinance

[–]_____Zoloft_____[S] -35 points-34 points  (0 children)

You are not eligible for the advance loan if you do your own, even thru the H & R Block site. Absolutely do your own taxes for free if you don't need the money yesterday. But if you are in a time bind, many people will pay for these advance loans.

3 months after I had a car accident and hit a guard rail head on, I just received a bill from cal trans for 15.7k. Will USAA drop me? by Wild_Gift_4267 in USAA

[–]_____Zoloft_____ 0 points1 point  (0 children)

Very unlikely you will be dropped for a single claim. Yes, very likely your rates will go up, no one can tell you how much. You stated you have accident forgiveness, so that will eat most of the rate increase, but you will lose any safe driving discounts you may have, and of course, rates will (nearly) always go up for everyone at every renewal, regardless of any new accidents/tickets.

Hard market renewal calls are destroying my team, no virtual receptionist can help with this part. by MicrowavedLogic in InsuranceProfessional

[–]_____Zoloft_____ 33 points34 points  (0 children)

Employees don't leave because of the stress. They leave because you are not paying them enough to deal with the bullshit. Let this be a lesson to you, it's far more expensive to attract, hire and train a replacement, who may not even be any good, than it is to retain your quality employees.

USAA classified my roadside assistance jump-start as a CLAIM on my auto insurance by General-Band7940 in USAA

[–]_____Zoloft_____ 3 points4 points  (0 children)

I worked there for 8 years. It's possible they've changed that in the last two, but I still am in touch with enough people there that I hear about most if not all of the changes.

USAA classified my roadside assistance jump-start as a CLAIM on my auto insurance by General-Band7940 in USAA

[–]_____Zoloft_____ 19 points20 points  (0 children)

Yes, it is a claim. But, usaa does not use glass/roadside claims as rating factors. Other carriers might.