No Prior Insurance
- Thread starter CIGIRL
- Start date
- Thread starter
- #12
Thanks everyone for your responses. This information is helpful. And XRAC, I probably shouldn't have let Red Blooded's response bother me, but my god, I don't have much patience with snarky, immature people who make sarcastic comments, while hiding behind their computer screens. 
- 11,997
Thanks everyone for your responses. This information is helpful. And XRAC, I probably shouldn't have let Red Blooded's response bother me, but my god, I don't have much patience with snarky, immature people who make sarcastic comments, while hiding behind their computer screens.
Easy killer. You should have chilled out about it to begin with. Now you're just adding more insults?
- Thread starter
- #14
What some here fail to realize is that most people don't live in the forum world like us here do, so when someone is new, they don't know forum "etiquette" (probably because they aren't members of any forums) and for some reason it bothers people. I have no idea why it would bother anyone, but then again, I'm easy going. Im glad you were able to get your question answered, if you have anymore, don't hesitate to ask.
To add to what was already said about no prior insurance. Having prior insurance shows responsibility. The less responsible you are, the more likely to file a claim.
To add to what was already said about no prior insurance. Having prior insurance shows responsibility. The less responsible you are, the more likely to file a claim.
For the record, some states, like California, do not surcharge for no previous insurance. We also don't discount for having previous insurance with another carrier, though that might change soon.
I think CA is the only state (only one I'm aware of) that previous coverage doesn't have an impact on rates. In other states, it seems to have varying degrees of impact.
Dan
I think CA is the only state (only one I'm aware of) that previous coverage doesn't have an impact on rates. In other states, it seems to have varying degrees of impact.
Dan
Never an underwriting thing, always a state intervention. Similar to how we don't use credit scoring.
Ironically, a voter passed initiative is working to change this, where you can get your loyalty discount transferred. I laughed at the way it was presented, basically, they talked the public into supporting a rate increase and the public feel for it.
Dan
Ironically, a voter passed initiative is working to change this, where you can get your loyalty discount transferred. I laughed at the way it was presented, basically, they talked the public into supporting a rate increase and the public feel for it.
Dan
Do you speak English?
- 1,016
speaks fluent English for a robot. 
Similar threads
