I am fortunate enough to have never experienced unfair insurance practices.
Before I submit a claim, I always ask, "what would happen if..."  I then ask
what determines whether or not the premium will be raised.  Then I ask if MY
premium would be raised IF______?"  I have always gotten straight answers,
and whatever I was told has happened.

My current insurance company has told me that I am outright allowed a $1,000
payout per year without getting my premiums dinged.  I have not needed to
take advantage of that, however.
Patti
*************************

On Mon, Nov 10, 2008 at 1:48 PM, David Kao <dtkao0205@yahoo.com> wrote:

> The insurance company may raise the premium for Matt's insurance
> and get all the money back they pay out for his claim. This is the
> game they play.
>
> If they do not treat Matt right by paying what he deserves why stay
> insured with them and let them get all their money plus more back?
> A good insurance company will not only treat Matt right to pay
> out enough to make Matt happy. They may even keep the premium unchanged
> instead of punishing Matt. There is a huge difference between a good
> and a bad insurance company. It's always a good idea to quickly drop
> off from a bad one and switch to another, hopefully a better one.
> This helps to drive the bad one out of everyone's way.
>
> Yes, I agree if they treat Matt right and if he is happy then stay
> insured with them. Obviously it seems that's not the case now.
>
> David
>
>
> --- On Mon, 11/10/08, greg@pottsfamily.ca <greg@pottsfamily.ca> wrote:
>
> > From: greg@pottsfamily.ca <greg@pottsfamily.ca>
> > Subject: Re: BLACKBREARD - the debacle ESCALATES
> > To: "David Kao" <dtkao0205@YAHOO.COM>
> > Cc: vanagon@gerry.vanagon.com
> > Date: Monday, November 10, 2008, 12:53 PM
> > Hi David,
> >
> > I dunno if that's good advice... I have heard about a
> > LOT of people
> > who couldn't get a fair deal at all. If/When Matt does
> > get what he
> > deserves, he should consider rewarding them with his future
> > business.
> >
> > 1. It's the devil you know....
> >
> > 2. You now have your name on a file in the insurance
> > company records
> > that tells the company you know how to play  the game. If
> > you have
> > problems in the future, they will already know what to
> > expect and
> > *may* be less likely to waste your time. If you go
> > elsewhere, you will
> > wind up playing the whole game all over again from scratch.
> >
> > Now, if Matt doesn't get a fair settlement, then he
> > absolutely should
> > look elsewhere ASAP. But if he's not abused too badly
> > it may be worth
> > sticking it out, as there are less and less companies
> > willing to
> > insure older vehicles, at least that's the case in my
> > marketplace. YMMV.
> >
> > Happy trails,
> >
> > Greg
> >
> >
> > Quoting David Kao <dtkao0205@YAHOO.COM>:
> >
> > > Of course, after getting what you deserve from them
> > you immediately
> > > say good bye to them and look for another insurance
> > company.
> > >
> > > David
> > >
>