Today, my sister got her car insurance quote in the mail. You would think it would go way up after being charged with reckless driving. It went up $1 per month. My insurance went up $100 per month after I tapped someone's bumper a year ago. I wasn't even charged. FML
Collection
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
Today, I received an email from my insurance company about a claim that happened over a month ago when I hit someone from behind. I was very apologetic and stated it was my fault, and now they're trying to claim replacement vehicle costs. I was going under 10mph and their car only had a scratch. FML
Today, after my car got stolen and flipped on its roof three months ago, making it an insurance write-off, and getting a new car a week ago, a drunk driver crashed into my parked car, writing it off. In both instances the drivers were thankfully OK, it's just my insurance premiums skyrocketing, no biggie. FML
Today, I found out that due to the fact that I got divorced, the insurance for my car is going up. A year after she took everything, she is still costing me money. FML
Today, after 2 years of paying off the insurance fees after an accident, I got rear-ended. It was the same driver who crashed into me the first time. FML
Today, I went to get insurance and I have a non-fault third party claim and yet my insurance has gone up. I wasn't even in the car when someone hit it. Why have I got penalised? They claim I'm now "statistically more likely to get in an accident." My car was parked. FML
Today, my mom's boss reversed into my parked car. She expects me to say that it's my fault so she doesn't have her insurance increase. FML
Today, my car was damaged in an accident. At the garage, I happened to find out that if some big insurance company is paying for the repairs, they only charge half the hourly rate they charge people who have to pay from their own meager salaries. FML
Today, I got a pay bonus and spend it on paying for 12 months of car registration up-front for the first time in my life, filled the tank, and got it professionally washed. After all that, I accidentally reversed into my own house, causing major damage. I have to borrow the money for the insurance excess. FML
Today, I finally removed my car insurance after realizing it costs too much money. Since I then had more money, I went to celebrate with ice cream. On the way, I got hit by a truck. FML
Today, my sister got a speeding ticket in the mail. A month ago, I got pulled over and used her name, intending to take care of it but forgot. She's going to the police station to review the footage. FML
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Top comments
jake131000 21
Let's just say that it really depends on the person. The credit score and claims history is most important. It also depends on the quality of the insurance company. I'm Jake and I work at State Farm.
Ethan_Anonymous 28
What car insurance does she have? I want it!
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Comments (40)
Ethan_Anonymous 28
What car insurance does she have? I want it!
jake131000 21
Trust me when I say that in Insurance.... Cheaper is not always better! Quality coverage is so much better than cheap prices in the event of a loss.
Seabass_Chan 33
It's called having ****.
Feklfekl2222 32
It's very possible that her car insurance was sky high to start with, and the accident made a minimal difference to her claims history
Rkikkas9713 25
If your insurance is high and you mess up, it tends to skyrocket more, even with minimalistic issues.
bigmusclebro 20
Insurance companies sure know how to milk every cent out of you... Sorry bud that crap sucks! Mine is still at 260 a month!!!!
achoo123 13
That's crazy high! But it's also because you're an 18 year old male. In a few years it'll go down.
bigmusclebro 20
That is true but I would think that having good grades and an impeccable driving record would make it a little less prominent...
lexos 16
Seriously? That's is really expensive. For my motorcycle I pay 150€ a year that's including road taxes
ThatHorse 15
You'd think that #12, but it's rarely the case. Most insurance companies also compare the time, in years, spent driving. The less time you have with a license the higher they hike your rates.
mcr101 14
I just got my g2 and my insurance is I believe just over 200$. And that's for just starting out
Mike3258 18
damn... I'm 19 and paying 120 a month
Toriahh 21
#2 I've been driving for almost 8 years, nothing on my record and insurance on my own plan would be $300+. There's a reason I had my stepdad cosign my loan so I had to be on his plan where it's only $50 a month. Insurance rates are ridiculous.
bigmusclebro 20
And I'm just on full coverage for a normal car. If I want a Subaru STI it goes up exponentially!!!!
snipesrock 9
Mines 135$ a month, I'm 25 and have a charger. it was 190$ before I turned 25. Also an immaculate record.
jake131000 21
Let's just say that it really depends on the person. The credit score and claims history is most important. It also depends on the quality of the insurance company. I'm Jake and I work at State Farm.
katachristic 19
Unfortunately it also depends on gender and age. Males under 25 get higher rates.
Mike3258 18
yea. even though every teenage girl driver I've known is ridiculously crazy behind the wheel
niallo 23
Don't forget, you actually hit another vehicle, regardless of whether there was damage or not. If you are male, that makes a difference too.
spacefish966 18
If you're a dude ages 16-24 your insurance rates will always be extremely higher than a female driver. One of many ways dudes take it up the ass because of risk factors.
JudgeComrade 17
Gotta love your privilege.
pjsr 33
Tickets often don't show up on a person's insurance for some time. If a claim was filed on your 'bumper tap' then of course that showed up immediately.
ftloosenfanzfree 7
They probably care more about ACTUAL claims like the one that was likely filed after you hit someone, than they do about hypothetical claims that might come as a result of reckless driving. It's also possible that it just hasn't hit her yet--she may see a jump in the future.
nitrojunky24 10
I'd call and bitch them out (with kindness) insurance can be negotiated a lot of the time it's not set stone my parents did when my dad got a ticket he called and the lowered it by a lot they where over charging like crazy.
TriggerDays 15
Are you a guy? And do you drive a two door sports car? If either of these are yes (at least in the US), ANY type of incident will skyrocket your insurance.
samwilliams800 28
My insurance went down after I had my accident in November. But yeah, accident history credit score and a slew of other factors, including car are taken into account for this kind of thing.