It sure looks like they paid for PR not because they believed they had to. It doesn't take much lawyering or consultant fees to vastly exceed the value of a vehicle. Hurt someone and see how well your plan works. They won't be nearly as amenable when staring at a six or seven figure issue.They paid the kid. You are wrong.
Already explained that, it’s called ex gratia payments. You are still wrong and will continue to be wrong.They paid the kid. You are wrong.
I'm not so sure about that. Winter's now are nothing like they use to be. Roads are kept better than they ever have been. Toronto get lower snowfall than where I live in ontario. If people were to actually drive according to weather conditions and not rely upon tracking systems, abs and winter tires for poor driving habits there would be a big difference. As a professional driver I see a lot of needless accidents simply because of driver error. And even with winter tires, abs and traction control it is no substitute for good driving habits. But yes I'm sure they might help in a situation where proper driving habits like driving slower and defensive for adverse weather conditions are happening. Something that doesn't seem to happen like it should these days.If you live in Toronto, you usually need snow tires one or two days per year. Other places, you'll need them more often. They make a difference.
I'm talking about cases where they didn't lie. Of course if you get caught in a lie you shouldn't expect to be covered.A lot of people lie on their life insurance applications. Then they die and the investigation starts . Let’s say you claim you don’t smoke , then you die and it’s proven you did smoke , or you lie about family history, or you lie about previous medical conditions ? should they still pay you? Of course not. People are stupid and think they can lie and no one will find out. Insurance companies even get your ohip records after you die....so don’t be stupid and don’t be dishonest.
People for the most part are not honest when it comes to filling out forms. It’s their fault not the insurers fault.
Don’t lie , read your policy and you will not have issues .
People think they are smart . They aren’t
I'm talking about cases where they didn't lie. Of course if you get caught in a lie you shouldn't expect to be covered.
It's the family medical history where people usually have problems. That's private between the family member and the doctor. Not everyone shares their medical history with their family. So how would I know if my grandmother who I never met had cancer, for example?
Because you’re supposed to disclose it on the application. Go apply for life insurance and see the questions you are asked. It’s not private information when you’re applying for insurance. You have no idea what you’re talking about.
And you have a comprehension problem. When I said my family's medical history is private, that meant private from ME, so I don't know every detail of their history. And you sure like to assume a lot.
Read what I posted .I acknowledged that. You have the comprehension problem. I said if you didn't know its not a problem. Don't quote only part of what i said so you can pretend to be right
Sounds like a shady broker that just wants to keep your business any way possible. It's your signature on the policy, where you agree that you've answered all the questions truthfully without misrepresentation.I agree about the contract stuff. And perhaps I learned something from this. Although my car is not modified in anyway other than typical tint and of course I always change the tires over (winter and summer)
A few days ago, I called my insurance broker to tell them that I want to cancel at the conclusion of this contract. They said, they will call me back and give me new rates should I re-consider, basically to lower my premium.
On the phone, they asked me how many kilometres I drive to work. I told them 20 km. They said, we will put down 5 km to keep the premium lower. What am I supposed to do! Say no to that! Be like, no its okay, I am super ethical and I prefer to pay more even though you are trying to save me money. Of course not.
I guess this is where my opinion (not fact) comes into play. They want to keep my business so the broker is lying on my behalf to the insurer. But god forbid something terrible happens. They will use my km's against me, and they wont back me in any way, and the fact that my broker helped me secure a better premium will be denied and vanish from existence.
I get that the contract is the contract. But we can all agree the insurance brokers/companies are not ethical in the least. This is where my grievance lies.
Hagerty makes it relatively simple. If your car is stock, the premium is X. If you car is modified, tell us what you did and the premium is 2X. It doesn't appear they differentiate based on type/function/extent of mods.I think the interesting thing, or maybe the concering thing, would be to get an accurate definition of what type of "modification" would effectively nullify your insurance policy. Examples below.............
In a brief conversation with an insurance broker they mentioned "performance modifications" as being the concern and definitely said exhaust changes would be a modification, as would increasing engine HP through turbo or supercharging. I didn't go through the above list so no opinion expressed on other items. They did say that any modification that was not disclosed, but one that did not void the contract, would be excluded from any payout. So if you added $3,000 worth of rims and tires and your vehicle was totalled it would have no impact on the settlement.
- Modified exhaust system
- Different or reflashed ECU
- Adding a turbo or supercharger
- Changing suspension components in a way that changes ride height / tire camber
- Wheels / tires that are wider / taller than stock
- fender flares / wings / air dams / splitters
- changing out OEM type brakes / rotors / calipers for performance versions
- tinted windows
I think the insurance companies have a lot of discretion in how this clause is administered.
I camt find any pics of the exhaust in question but the kind of person that puts a $2000 exhaust on a leased car also puts huge tips with fake ti heat markings on them. The general condition pics may have shown that things were different..Okay so how did the insurance company found out he had a modified muffler?
Yeah okay, snow tires don't last 10 years, they only last 3 years if you buy them new. You only wear them for Christmas? I put my on from November 1st to April 15th."Even if the tires had lasted for two seasons"? What planet are you from? My current snows are almost 10 years old and still have one more season left in them.
Mine go on and off based on the weather. I dont know what to tell you. I bought these ones in fall 2012. I havent measured them but they are not near the bars yet. Current car is awd and I dont drive all that much right now so they will do. They are still infinitely better than the almost new all-seasons that came on the car.Yeah okay, snow tires don't last 10 years, they only last 3 years if you buy them new. You only wear them for Christmas? I put my on from November 1st to April 15th.