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gwen
gwenix
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April 2011
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gwen [userpic]
End of the insurance saga...

By the way, I am going to continue coverage by being put on my mom's policy in the interim. So I do have a solution to this, but it seems to me like it's a poor one as a general case (what about people who don't have parents they can go to with this problem, for instance?)

To address this point, though, the agent's solution other than going on my mom's policy (which she also handles, so that was easy) was to reduce my coverage to minimum coverage, but leave it attached to the last vehicle I owned. This is also the solution I was offered the last time I did something like this.

The problem I have is that.... I don't care about the money spent in this interim, I'm more worried about still having any responsibility attached to a vehicle I no longer own. So while this "solution" is technically available, I found it less than suitable and also half-assed of the insurance industry.

Comments

This is a PA thing. We don't insure drivers, we insure vehicles in VA. If I don't own a car, I don't have insurance (I wouldn't be surprised if I COULD get insurance without a vehicle, but it's not required and not having insurance isn't penalized if you don't own a vehicle).

What I was told when I tried to get insurance without a vehicle at the time was that it could be done but was very difficult (and expensive): insurance rates and many other things are based on the insured vehicle, but they'd have to assume worst case if I didn't have one.

(addendum: I was asking Allstate, IIRC)

Edited at 2008-05-12 03:49 pm (UTC)

Your agent has no idea what they are doing.

The problem I'm having with this, Rapier, is that you've continually stated this, but all the evidence I have from not just this agent, but others and others' experiences is pointing to the contrary. So, I'd rather find out from you the facts and policies, like names and etc, that allow me to get insurance without a vehicle attached to the policy.

Further, this could be an insurance company specific thing to which you are referring, and I would like to explore that attack if it is possible. However, of the companies cited (and the one I am working with), 3 of 4 of them have no policies for non-vehicle insurance. The fourth has a prohibitive cost.

If you have further information on this, I would love it. However, to just say, "My agent is an idiot," is not really helpful here. She is relaying what her underwriter told her at this point, and they may very well have this unhelpful policy.

What I had to do is call USAA and say I need non-owner's/driver's/liability only insurance. They said "Yes, no problem". That was that. I had this insurance that all these people say doesn't exist and getting it was that easy.

Its not the most common instrument in the world and as such most agents - which are often more like resellers than actual employees of the insurance compan - might not be familiar with it. However, its certainly not unknown and there was no reason why you shoudl have had to jump through those hoops. As such, I really don't think your agent knew what they were doing.

http://www.insure.com/articles/carinsurance/non-owners-policy.html

My State Farm agent just said they know exactly what non-driver's insurance is, and they can provide it no problem. I'm beginning to think your agent is less than informed on this particular matter.

I did not check price, but if you want their number I'd be happy to provide a reference.

fwiw - I _am_ exploring this issue on my end.

Not on your behalf, but inspired by your experience. It's not _technically_ my job, but I do believe we (both my company and the industry) should be able to do business in a better way than this....