auto insurance question.

auto insurance question.

Posted in the Utica Forum

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huh

Utica, NY

#1 May 4, 2013
If I make my payment every month but never get into an accident or file a claim, shouldn't I get my money back?
Living Large In 13492

Albany, NY

#2 May 4, 2013
huh wrote:
If I make my payment every month but never get into an accident or file a claim, shouldn't I get my money back?
You're not serious are you?

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huh

Utica, NY

#3 May 4, 2013
No I'm serious, it doesn't seem legal for them to keep my money when no service has been used or recieved.
Andx

Massena, NY

#4 May 4, 2013
You need to study the "law of numbers"... dummy
Living Large In 13492

Albany, NY

#5 May 4, 2013
huh wrote:
No I'm serious, it doesn't seem legal for them to keep my money when no service has been used or recieved.
So if you were in an accident and had 10k worth of damage to your car would you still expect them to pay for repairs because you sent in your couple of hundred dollar check?

Honestly...you can't be this stupid.
huh

Utica, NY

#6 May 4, 2013
What they are doing should be illegal.

Plus they claim you're "high risk" just because you got a speeding ticket on a divided highway?

They are criminals.
Pleasure Kevin

Ithaca, NY

#7 May 4, 2013
What a surprise, someone from upstate NY doesn't understand how insurance works.
Disgusted

Schenectady, NY

#8 May 4, 2013
huh wrote:
If I make my payment every month but never get into an accident or file a claim, shouldn't I get my money back?
And this is exactly why the Utica area is the way it is.

You sir may be the stupidest person on the face of the earth.
Insurance expert

Carthage, NY

#9 May 4, 2013
As a retired Insurance Underwriter, I could explain why and how insurance coverage works -BUT- I doubt if "huh" would even understand.

Let someone else take the trouble if they have the time to explain.
Disgusted

Schenectady, NY

#10 May 4, 2013
huh wrote:
If I make my payment every month but never get into an accident or file a claim, shouldn't I get my money back?
I did a little more research on this and you are correct. If you don't make a claim you are eligible for a refund. This is what you need to do. Call your insurance provider and ask for a "class 41" refund. They will probably claim they don't know what that is but that's just a diversionary tactic. Not many people know about this and insurance companies try to keep quiet about it. If you can't make headway with the first person you speak with keep asking for their superior. Eventually they will have to issue you a refund by law. Good luck and keep us updated.
huh

Utica, NY

#11 May 4, 2013
All you people insulting me, apologize right now.
Ticket police

Carthage, NY

#13 May 4, 2013
huh wrote:
If I make my payment every month but never get into an accident or file a claim, shouldn't I get my money back?
you pay more because you are making payments
Ticket police

Carthage, NY

#14 May 4, 2013
huh wrote:
If I make my payment every month but never get into an accident or file a claim, shouldn't I get my money back?
all these people should apologize because Allstate did have a plan and or promotion if you didn't get into an accident you get some money back to reward safe drivers
Disgusted

Schenectady, NY

#15 May 4, 2013
huh wrote:
All you people insulting me, apologize right now.
Insulting you? I'm trying to help you. I posted the info you wanted now the rest is in your hands.

KY WELLER
Level 9

Since: Jun 10

Location hidden

#16 May 4, 2013
Disgusted wrote:
<quoted text>
Insulting you? I'm trying to help you. I posted the info you wanted now the rest is in your hands.
He can't get his dick out of his hands,the insurance issue will have to wait.
Living Large In 13492

Albany, NY

#17 May 5, 2013
Disgusted wrote:
<quoted text>
I did a little more research on this and you are correct. If you don't make a claim you are eligible for a refund. This is what you need to do. Call your insurance provider and ask for a "class 41" refund. They will probably claim they don't know what that is but that's just a diversionary tactic. Not many people know about this and insurance companies try to keep quiet about it. If you can't make headway with the first person you speak with keep asking for their superior. Eventually they will have to issue you a refund by law. Good luck and keep us updated.
Lol
Revisionist

United States

#18 May 5, 2013
You ARE getting something in return; you just don't realize it. Insurance is similar to a bet. You pay for the peace of mind that nothing will happen--but if something DOES happen, your butt is covered.

BTW, if you put $20 in the slot machine in the casino and don't win anything should you get your money back?
Living Large In 13492

Albany, NY

#19 May 5, 2013
I think it's safe to assume the OP isn't a surgeon. He could however be a CO or a utica city planner.
Rash Alert

Gouverneur, NY

#20 May 5, 2013
Living Large In 13492 wrote:
I think it's safe to assume the OP isn't a surgeon. He could however be a CO or a utica city planner.
Warning: This is Cliffy above. He refuses to admit that he's a coward although he knows exactly where to find the posts where he agreed to waddle his fat blob rashed azzz to Utica for a beat down.
Living Large In 13492

Albany, NY

#21 May 5, 2013
Rash Alert wrote:
<quoted text>
Warning: This is Cliffy above. He refuses to admit that he's a coward although he knows exactly where to find the posts where he agreed to waddle his fat blob rashed azzz to Utica for a beat down.
Post that link whitesboro trash unless it just simply doesn't exist.

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