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Old 03-24-2003, 08:08 PM   #16
Foc us
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Re: Re: Re: Insurance in Ontario



Quote:
Originally posted by Fernando
It's called the Ontario Insurance Industry Superintendant Report, and it's published anually. Regarding efficiency, an adjuster at any given time is expected to handle 60-120 active files. Try juggling that! The superintendant's report shows loss ratio, ie:1.05:1.00, meaning $1.00 paid for every $1.05 received which is common.

BTW I don't think you have much to worry about as I don't think your rates reflect those of someone driving a Bimmer!!!

Cheers,

Fern
You mean I don't have to pay for Insurance??
oh....and one more thing....Brokers will ask you if you got any tickets, they don't care if your ticket was fought off or you're convicted, insurance will still go up, you think that's fair??
This is not just me but it's about all the drivers on the road who got ripped inside out by theose money sucking insurance companies, they think of everything just to make sure they're getting a profit, then they're worried being taxed so they provide us with all those "adjusted" accounting reports by their high priced accountants, so yeah, F... Them!

Last edited by Foc us; 03-24-2003 at 08:22 PM.
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Old 03-24-2003, 08:12 PM   #17
Mr seville
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i pay $6000/year on my car. not a very fun thing. that is with the 40% discount i got with MTO if i didn't have it i'd be paying around $10000. i'm dying here and thats where all my mod moneys going
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Old 03-24-2003, 08:30 PM   #18
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I’ve never liked dealing with Insurance companies. It’s probably too late for most of us, but when I was looking for Insurance a long time back, I asked a few key questions.

A) Obviously Price and Coverage

B) What would be my Star Rating (and say one year later with a clean record)

C) What would be my star rating if I got one speeding Ticket

D) What would be my star rating if I had one at fault accident.

E) What would be my star rating if I had one no fault accident (innocent victim of someone else’s driving)

I was shocked at what several insurance companies said. Blair Air, TD, Erb & Erb, etc all said I would loose all my stars and go back to being equivalent to a new driver if I had options C, D, and maybe E. How’s that fair???

Statefarm was the only one that said I would loose 1 Star at the most, or perhaps just my discounts (10-15%) because of my previous clean record. Needless to say, I went with State Farm. They had good prices (perhaps not the cheapest), and are more forgiving.

I also checked a few weeks ago…. My agent said, if I had an at fault accident today, my premium would only go up by $350 / year and I would remain a 6 Star.
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Old 03-24-2003, 11:27 PM   #19
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I had the same problem..I got 6 tickets in a year and they raised my insurance so much I had to sell my car...I got kicked off my parents policy....the only place that insure me was something called "facility"...basically if you want insurance they can charge you whatever they want and then on top it the government makes it "the law" that you have to have insurance...f*&king Canadian Gov't....

I love my country but I am tired of being over taxed, under paid, over worked, paying too much for car parts I order them from the US....my wife won't move to the US....at least they stick together..Canadians sit on the fench and screw each other...which other country gives anyone instant OHIP, welfare yada yada as soon as they land on Cdn soil and makes it's own tax paying citizens pay for all this when they sponsor someone legally like I did (my wife..)...

What can you do????
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Old 03-25-2003, 12:56 AM   #20
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my insurance increased by almost 200% and all I did was let my policy lapse for more than 30 days!. So now who feels ripped off. No tickets no accidents at fault or otherwise.Plus I am over 25. I went from6 star to zero in 35 days. tell me that dosent f@#kin suck.
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Old 03-25-2003, 02:59 PM   #21
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wait, how did u smash a car that bad in a parking lot? what were you doing 80?!?!? and slipping on ice in a parking lot requires some speed to do..
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Old 03-26-2003, 01:33 AM   #22
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I had a similar problem with those jerks last year. I put in a claim for tire damage caused by running over a tire in the middle of the road. I was told to cancel my claim within 48 hours. I didn't and when I called to cancel they said the same crap. When the renewal came the rates went up and my rating dropped. I didn't even get the car fixed. So, I called my insurance back and told them if they proved they had paid out for the claim then I wouldn't argue. Since they didn't they restored my rating.
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Old 03-26-2003, 04:53 AM   #23
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Betray - it does not matter how fast I was going in the parking lot, there was no posted speed limit and I was on private property!

Fern,

F that! Fraudulent claims..... give me a F'ing break..... you can easily hire a P.I. and have them investigate the person. Secondly... do you see what happened here.... by bringing in "No Fault" you just killed two industries.... just goes to show you that the gov't should not interfear with the PRIVATE sector..... fact is... no fault insurance was designed by the INSURANCE companies for the benefit of them..... PERIOD.

I am seriously going to try to set up a web site that will collect signatures and names to get something done about no fault.... it has to be unconstitutional or as I mentioned beforelegalized extorsion.

CANADIANS ARE AFFRAID OF COMPETITION IN BUSINESS..... THIS FEAR F'S THE CONSUMER.... AND THEN YOU END UP WITH PRICE INCREASES AND PEOPLE BEING TAKEN ADVANTAGE OF.... SIMPLE REASON.... AS THE CONSUMER YOU HAVE NO LEVERAGE. IT'S LIKE YOU ARE STUCK INBETWEEN 2 BULLIES, ONE BIGGER THAN THE OTHER.

TELL ME SOMETHING FERN.... HOW THE F*CK DO YOU JUSTIFY CHARGING PEOPLE DIFFERENT RATES BASED UPON THE SEX AND COLOUR OF THE CAR? IS THAT NOT DISCRIMINATION? DON'T GIVE ME ANY BULLSH*T ABOUT THE "STATS PROOVE IT"....... WHEN I LIVED IN THE USA , IN THE STATE OF N. CAROLINA - 18-25 MALE/FEMALE WITH ANY COLOUR CAR.... ONE RATE.... COME ON FACE IT.... WE ALL KNOW THAT THERE ARE CERTAIN ETHNICITIES AND AGE GROUPS THAT ARE THE WORST DRIVERS....IF THEY ARE GOING TO BASE IT UPON SEX, WHY NIT ETHINICITY AS WELL....???

I HATE THIS COUNTRY.. GOD DAM SOCIALISTS RUINED IT FOR EVERYONE.... I AM GOING BACK TO AMERICA IN A FEW YEARS.... I AM NOT GOING BE A SUCKER FOR SOME FAT F'ER IN THE INSURANCE COMPANY TO RAPE ME OR SOME DUMB ASS WHO GOES INTO THE BANK WITH A WELFARE CHEQUE AND 3 CHEUES MADE OUT TO CASH..... I HOPE THAT SOME OF YOU CANADIANS LOOK AT THIS AND A LIGHT GOES ON...... IT'S GOT TO STOP OR THIS COUNTRY IS DONE.....

And.... I am going to the States tomorrow... I am embarassed to say that I am Canadian.... after Chretien and his f'ing lack of support with the usa.... I am glad the Us embassy in toronto acknowledged it and I got new for you Canada... don't turn to the USA if and when someone f's with you.... i will be the 1st American to turn my back on ALL of you!



Mike.
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Old 03-26-2003, 06:14 AM   #24
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Quote:
Originally posted by punnzzells

GOD DAM SOCIALISTS RUINED IT FOR EVERYONE.... I AM GOING BACK TO AMERICA IN A FEW YEARS.... I AM NOT GOING BE A SUCKER FOR SOME FAT F'ER IN THE INSURANCE COMPANY TO RAPE ME OR SOME DUMB ASS WHO GOES INTO THE BANK WITH A WELFARE CHEQUE AND 3 CHEUES MADE OUT TO CASH..... I HOPE THAT SOME OF YOU CANADIANS LOOK AT THIS AND A LIGHT GOES ON...... IT'S GOT TO STOP OR THIS COUNTRY IS DONE.....

I am embarassed to say that I am Canadian.... after Chretien and his f'ing lack of support with the usa.... I am glad the Us embassy in toronto acknowledged it and I got new for you Canada... don't turn to the USA if and when someone f's with you....
Mike.
Partially agreed, that's why I edited the quotes and in some cases I'd rather the US invade Canada ....
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Old 03-26-2003, 07:22 AM   #25
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Smile Change in original topic

Sounds like at some point folks we got off topic...

From insurance rate increases to U.S. invading Canada?

BTW the opposite of Socialism is Communism, think about it...
Socialism is what so many people died fighting to get...
Communism is what so many people died at the hands of...

Guys,

The end of it all is everyone has their issues with insurance, including myself.

This issue of red cars paying more insc than white cars is bull---t!
But then again when you buy a new car the dealer will charge you a premium for certain colours also.. WTF does is cost more to paint pearl than it does regular white???

Cheers,
Fern
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Old 03-26-2003, 02:10 PM   #26
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Re: Change in original topic

Quote:
Originally posted by Fernando
This issue of red cars paying more insc than white cars is bull---t!
But then again when you buy a new car the dealer will charge you a premium for certain colours also.. WTF does is cost more to paint pearl than it does regular white???

Cheers,
Fern
Ummm.......usually special colours are patented i.e. Audi Pearl white, every body colour has a RGB colour code and if it's a metallic paint, costs are gonna be a bit more. So I do understand why people have to pay more when buying a new car. On the other hand I don't understand why insurance charges more for a red car? So, I'd say the insurance is absolutely ripping people off!
As for the invasion thingie, I'd rather US take over Canada, since we're all over taxed, our government is weak and doesn't want to help our neighbour (which 90% of our money come from the states) and we're getting more and more moronic laws.
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Old 03-26-2003, 03:06 PM   #27
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Focus..... well said....

Fernando...... Socialism is a lighter form of Communism.... people died fighting for CAPITLAISM you F'ing NIMB ROD! Socialism only benefits the low class. A lot of British civil Servants that came to Canada and got into gov't are the ones responsible for the implementation of these stupid social programs, plus you have Canadians who are sheep and do not open their mouths..... ooo..wait.... they do ... " protest a war that they should be behind.... and like I said earlier.. " i do not see one of those C sukers protesting that the Gas prices went down ".. mother fashas!

That is not Bullshiot about being charged for the colour of your car... it is a true fact... and they say that RED is the highest colour becasue it;s the sportiest and when you are in a panic you thend to move towards the red colour..... so their stats say... F that!

Mike.
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Old 03-26-2003, 03:09 PM   #28
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Oh and I add....

The dealer may charge you more for that piant colour because that is not a high production colour, so they either have to spend time and $ transporting the car to the dealer and/or it becomes a special order...

Fenando..... how old are you? i am just curious, b/c i have a hunch on what has happened with the schooling of many of you younger Candians....
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Old 03-26-2003, 03:09 PM   #29
Foc us
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Quote:
Originally posted by punnzzells
That is not Bullshiot about being charged for the colour of your car... it is a true fact... and they say that RED is the highest colour becasue it;s the sportiest and when you are in a panic you thend to move towards the red colour..... so their stats say... F that!

Mike.
Ummmm.....doesn't red means danger in usual cases?? Why would they say people tends to move towards the red moving object? It doesn't make sense to me
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Old 03-26-2003, 03:10 PM   #30
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So I guess I should be glad I'm paying $1200/yr for my 540 eh?
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