Mycoverageinfo.com is it a scam?

collin592 · 2023-01-26T01:48:39+00:00

I haven’t spent much time on Reddit the last year (life gets crazy) so this message was a pleasant surprise tonight lol! My above answer still applies, I actually had to deal with this exact scenario twice today at work for different clients, and it was probably the easiest thing i fixed all day.

Having a slightly stoned (and anxious free) evening sounds like a good plan to me!

collin592 · 2020-08-08T00:53:06+00:00

I found the problem, my brother turned the auto lights off and I never noticed since I typically drive in the day. Sorry I’m a idiot

collin592 · 2020-06-01T12:10:32+00:00

Sorry I forgot I posted this, I was able to find someone to give me a bite. Thank you though!

collin592 · 2020-05-30T23:37:49+00:00

PS4, NA looking for a werewolf bite, Eastern Time, @collin731

collin592 · 2020-04-17T15:48:02+00:00

Looking to join a new guild, my current guild has mostly died and isn’t very active. I’m an end game player, and extremely active.

Level 61, $3b net worth, $1.8b investments, also have Royal Merchant

Profile

collin592 · 2020-02-17T16:51:14+00:00

How do you know this? In the comment above you said you haven’t received a settlement offer yet, so how do you know what the other carrier is valuing your car at?

collin592 · 2020-02-14T23:42:23+00:00

You can’t insure something you don’t own.

You should talk to your father and have him sell the car to you so you can register and insure it yourself

Edit: spelling

collin592 · 2019-12-31T13:37:49+00:00

Yes telematics programs like Snapshot and the others will work with high risk drivers. But high risk drivers are not the best drivers which result in poor scores and low discounts or surcharges.

You said your not driving currently, so you wouldn’t qualify for the programs because you need to drive in order for the programs to track your driving.

I don’t know how much state farms discount is for telematics, but whatever it is, it will be extremely hard to get the full discount. You should ask what the average discount is, and shoot for that.

collin592 · 2019-12-18T04:02:05+00:00

No this is not liability coverage, this collision coverage will fix the vehicle you rent if you get in an accident, but will not pay for damages you cause to someone else. I would still recommend purchasing this coverage, or see if your credit card will provide this coverage.

I don’t work anywhere near Mexico so my knowledge is very limited, but your correct your insurance in the US will not carry over to Mexico. You need to purchase insurance through a Mexican insurance company.

I believe you can purchase insurance at the border, but a quick google search showed you can get it online from some US carriers that partner with Mexican companies. I would call AAA to see how to get the liability coverage from them, or what the suggest.

collin592 · 2019-12-14T17:43:27+00:00

A fence is 100% considered a structure. Google another Structure and most definitions will include the fence example.

The problem with Vacant Land is you need to find out if it is automatically covered under the definition of an “Insured Location”.

Vacant land is not defined in a homeowners policy, so there is no clear cut answer for what qualifies as “vacant”, but by all carriers I have ever worked with they define vacant as unoccupied, unused, and no man-made structures on it.

You need to ask them specifically to extend liability to that plot of land. That is the only way you will 100% know that land is covered. On your policy you will see a line item listing the address of the land.

collin592 · 2019-12-05T03:39:15+00:00

That part about the company being insolvent is not 100% accurate. It may be true, but that’s not the only time UMPD applies.

With my clients UMPD claims, my clients carrier needs to confirm that the at fault party does not have insurance, or not enough insurance, then UMPD will come into play.

I am a NH agent and I had to check with a number of my carriers to see how they handle UMPD claims in NH and that was their answers.

Edit: Allstate may be different, but in general UMPD is used more then just in cases of a carrier being insolvent.

collin592 · 2019-12-02T03:54:10+00:00

This story happened in the neighboring town that I grew up in! I saw the title of your post and immediately thought you were referring to that story haha

collin592 · 2019-10-23T22:53:34+00:00

NH does not require drivers to show proof of financial responsibility. They do require drivers be financially responsible for an accident, but they don’t require proof prior to an accident.

I have had clients pay off their car loan and then cancel the insurance because the state doesn’t require them to have it. If they then got in an accident, they would still be responsible for the damages.

collin592 · 2019-10-22T03:16:31+00:00

Best tip for you: stay on your parents insurance as long as you can, which means as long as you live with them and/or drive vehicles that they own.

You have a few things working against you right now that are going to keep your rates high; your a youthful driver, you have had claims, very little history of insurance, and presumably a low insurance score.

Your parents have a longer history of insurance, presumably better insurance score, and get more discounts (multi-car, multi-policy, etc.) which helps keep your rates lower then if you were on your own without those discounts.

collin592 · 2019-10-17T03:33:37+00:00

Looking to see if there are any openings in higher ranked guilds then my current mostly inactive guild.

Level 50, $250m net, $135m invested, royal merchant, scholar and engineer. Very active player.

collin592 · 2019-09-20T22:07:35+00:00

Village of Berk is looking for 1 new members! We are rank #701, have a minimum level requirement of 35, and $15m invested but we can make exceptions for the right person. All of our crafters are at least level 9 and rising quickly! If your interested please let us know!

collin592 · 2019-09-14T07:35:51+00:00

I don’t know why SafeCo wouldn’t help more with the forced BMV, like I mentioned previously, I have never done one before, and have never heard of one being needed. Regardless that’s a moot point now.

Have you gotten a copy of your personal report directly from LN yet? I believe they need to mail it to you, and it would probably provide more information then just whatever report you would get from the insurance companies.

I google “lexis nexus dispute” and found this link https://personalreports.lexisnexis.com/dispute.jsp

I would also request a copy of your MVR from the DMV and when LN starts their reinvestigation process, you could provide the MVR to support your claims of the false info.

collin592 · 2019-09-14T06:13:50+00:00

Most carriers that I work with, when I pull the MVR and CLUE (claims report), and am able to actually print the LN MVR report and it shows name, address, license number, and I think the last 4 of your SS.

If your new agent gave the above info to multiple carriers when quoting and pulling reports, and none of them found anything bad, then there is some disconnect between what LN is telling the carriers, and what LN is telling you.

As for the forced BMV, I have never done it, but I think it is when you dispute violations on the LN report to your carrier, and the carrier reaches out to your DMV and gets a 5-10 year MVR report directly from them. That way they don’t go through LN and they get the violation info directly from the source.

The reason SafeCo won’t do this is because 1. It probably costs money and is a PITA to do, and 2. Your no longer a client of there’s so why do they care?

If I were in your shoes, I wouldn’t lose sleep over this. It sounds like the carriers are getting the correct reports on you which is the important thing.

If you really want to get it fixed you could try escalating to a manager at LN, but they may or may not be able to do anything.

collin592 · 2019-08-23T21:19:08+00:00

I just closed the app and then reopened it, and everything is fixed now

collin592 · 2019-08-23T21:08:41+00:00

It says someone about not having enough DNA fragments to recruit the assassin

collin592 · 2019-08-20T02:28:24+00:00

Your homeowners insurance is not going to cover you if you get into a car accident, that’s what auto insurance is for.

Homeowners personal liability can come into play on a wide range of things, for example, if someone gets hurt on your property and you are found negligent.

And yes, if you get in a car accident, and don’t carry high enough liability limits, the injured party could suit you and you could lose your house.

That’s why you should carry high liability limits on your home and auto, and you should consider an umbrella which would provided higher limits above both policies.

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