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Joined 11 months ago
Cake day: December 16th, 2023
  • deltapi@lemmy.worldtoFuck Cars@lemmy.world•As a bike rider, I forget this is a thing. Asked my neighbor, he pays $350/month in insurance alone 🙃English
    4·
    15 days ago

    I had a shitty white Kia Rio that I wrote off in a snowstorm. I borrowed my dad’s car to drive while I looked for a replacement I could afford, and after a few weeks my insurance said ‘we paid you the coverage. If you don’t put a new car on your policy, we’ll cancel it.’ ok, fine. I put my old junker (car before the Rio) on it - wasn’t even road worthy, but I had accident forgiveness on this policy and if I had to start over I’d get higher premiums.

    I found a car a week later. Called the broker to switch the policy.

    'we can’t remove this car from the policy unless we contact your bank first ’

    What.

    They claimed because I had bought my Rio with a bank loan that they couldn’t remove my junker without permission from the bank.

    I argued with this person politely for 10 minutes, pointing out that I’d paid the car off 2 years prior. They said ‘well I’ll need to check with the underwriter then.’ fine. I get a call back 30m later, same person. ‘no, we need permission from the bank according to the underwriter.’

    This pissed me off because I knew I was being lied to. “Now I know you’re lying to me. I have the cheque from the underwriter cashed in my account. They would not have issued it to me if there was any issue with the bank. I am not a customer of that bank, have not been for 2 years.”

    ‘well sir, I need to confirm that with the bank’

    “If you contact the bank in reference to me in any way, shape, or form, I will sue you for breach of privacy and file complaints with every government office that I can. DO NOT CALL THE BANK. SWITCH IN THE NEW CAR.”

    They refused. I called back 2 hours later, got someone else. Told them I needed the new car switched in.

    They did it, and a week later I filed a written complaint to the broker about the other rep, firmly underscoring the lying.

    No idea if it was related or not, but the branch got downsized away less than a year later.

    Anyway, fuck insurance companies.