Never Buy This Car Insurance
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- Опубліковано 6 чер 2019
- Never Buy This Car Insurance, DIY and car repair with auto mechanic with Scotty Kilmer. If you're buying a car don't use this car insurance. Car insurance scams. The worst car insurance you should stay away from. Bad car insurance to avoid. Here's why car insurance companies are scamming you. Car insurance explained. Car Advice. DIY car repair with Scotty Kilmer, an auto mechanic for the last 50 years.
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This is the people's automotive channel! The most honest and funniest car channel on UA-cam. Never any sponsored content, just the truth about everything! Learn how to fix your car and how it works. Get a chance to show off your own car on Sundays. Or show off your own car mod on Wednesdays. Tool giveaways every Monday to help you with your own car projects. We have a new video every day! I've been an auto mechanic for the past 50 years and I'm here to share my knowledge with you.
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Scotty Kilmer hi Scotty love the videos
Edit:my whole family does they’re super helpful
Hey scotty what do you think of the 2019 Kia stinger
My dad many years ago had Allstate,(Sears and Roebuck)this was many decades before the internet and you either paid your bill at a Sears retail store or you mailed it in.
Dad had just made his premium payment for the year and about 3-4 months later,he gets his check back with a letter about not wanting his business anymore,dad NEVER had a claim with Allstate the 20+years he was with them.(Sears is where America shops...REALLY??)
Good thing my dad never had an accident because most likely he'd have to sue them.
I have Progressive,so far,this is the cheapest insurance that I can find,I'm always checking rates of the competition,but so far,Progressive is the cheapest.(Flo must be buying generic💄⬅lipstick these days HAHA!!)
Scotty, my 2009 sonata is coming up on 185k miles.
Thought I could get an upgrade going used. Smooth comfortable ride with a little power is what I'm looking for. I live in a rural area, it's almost all highway speeds all the time. What do ya think I should look at?
Scotty, I know you mentioned this before, but what is the site to go to for torque specifications for a relatively new car 2014 and newer?
In my opinion if you don't make a claim on your policy, the insurance company should have to return a percentage of your money. Should be law.
Working in the auto insurance industry I'd like to see that also.
Just told a friemd this yesterday ..his eyes lit up hahah
Smart
I don't need that to be law, but don't jack up my insurance by 50 a month when I've never had an accident. Bad enough I live in the city and it's high just because of that
I'm with USAA and they have something called a subscribers savings account. they basically put a portion of their profits into an account that I get if I ever cancel my insurance with them. I've been with them for 30 years and it is up around $5,000 and every year I get a dividend last one was around $200.
Mentions robbery, shows Goldman Sachs.
I love it.
Scotty knows whats up
Yes I caught that too
I laughed at that point as well
What's funny is that you elected a president that chose ex-Golman Sachs employees (read criminals that ruined the life of million of peoples) as part of his cabinet. As if it was not good enough to bailout them, get robbed by them before and after the last economical crisis, you're now literally governed by them. Enjoy your oligarchy while it lasts!
@@bengagnon2894 I didn't do that
Ive been in the insurance industry almost 30 years. It’s a total scam and as bad as they treat the policy holders, they treat their employees worse.
Is putrid wasteland
Damn. If I'm reading what I think I am. My dad and brothers wasted money on car insurance
Scotty is right about what he’s saying ! Insurance companies make ALOT of money.
Steal a dollar, go to jail. Steal a million dollars, incorporate.
Well said
@Susan Louis Bitter loser much?
Its not theft when people willingly give you the money.
insurance adjusters , Lyers, thieves & tweekers !!!!!
ghhff fghhg they give it to them thinking the are legitimate but turns out they are thieves
No tickets, accidents or claims of any kind in over 25 years. I am a cash cow for them.
Crazy thing is here in Cali my insurance has been going up 10% a year for the past few years. Remember the days went it went down the longer you had your car?
Sorry, you have to pay to cover all of the uninsured motorists, of which California has more of each year.
@@blisterbrain illegals
Mine is going down ..not much but it is. I pay $504 a year been with the same company since 2002 maybe before that too..I don't recall. (Progressive)
I have Progressive Car and Motorcycle insurance..... Yes I know I heard a lot of bad stuff about Progressive BUT my insurance rates HAVE BEEN GOING DOWN.... The first major drop was when they gave me this device to plug into my car to measure my driving patterns..... After they got the device back and checked it, I received a significant reduction since I do not drive much. Now my van is 17 years old and the rates keep dropping "a little" every year..... not a lot... but a little.... ;-)
I'm right here with you! I remember that too but then they came up with "market adjustment".
I had progressive car insurance in the mid 90s . I bought an brand new eagle talon at the time. I had the car for 2 weeks when I was driving through tobyhanna pa in a snow storm lost control of the car and hit a snow mound knocked off the oil filter which froze the engine. Progressive insurance said it was a manufacturing problem and Chrysler said it was an insurance problem. I got stuck putting an engine in the car with my expenses. I never bought any Chrysler products or progressive car insurance ever since.
That was a collision ...per your explanation,.. if you had collision insurance it was covered... contact a good lawyer... then sue the pants off progressive comp
Philip Banks The glory of capitalism baby!
THAT SUUUCCCKKKSS!!
Should've watched Scotty's videos on how lousy Chrysler products are. I I think they put engine and suspension components together with JB weld and silly putty!
Never Fiat Chrysler
you explained the american health care system as well.
LMAO true
It's why you should never be required to buy anything...insurance included
He explained AMERICA
Matthew Way eh I under stand insurance mostly people don’t have the money to spend $$$$ on a car if it crashes.
If the law required that car insurance cover routine or elective maintenance, like it does for health "insurance", car insurance/car maintenance would be equally absurd.
My Grandfather, who has been dead since 1974, always said: insurance is a scam!!!
Everyone who sells it knows it.
Your Grandpa was right.
im glad i know he died in 1974 to know insurance is a scam
Central Intelligence Agency
What?
@@ChadEAult cant dumb it down any further
I try to avoid the companies that have obscenely large advertising budgets. That's tough to do though.
Yeah. Progressive has been good to me. But the amount of money they piss away on commercials is sickening.
Bradley Thomsen they suck! I used them in the past... Higher rates than almost everyone' else!
Yeah GEICO the same way over $1B annually in commercials
Entire insurance industry. Particularly auto ..is a racket..big time. I have 2 teenage drivers..good grades. .no tickets or accidents..policy is 3 to 4 hundred per month more . Per kid. Complete nonsense! Thanks for discussing this important topic scotty
I use Amica auto insurance a very good company. I have friends who use Auto Owners Insurance and get great rates and service.
The more I watch this channel, the more I want to sell my car and give up driving.
Sun Rise ...in a way I know what you mean, but we need to get from here to there and that might be 27 miles one way, like my work, so we’re stuck! And if I took public transportation it would take me 3 times the time it takes to drive. I think Scotty is honest and a straight shooter. At least he steers us to reliable cars (slightly used is best) ...all the best SunRise!
Yeah I hear ya.
I'm actually thinking of using a bike very soon
It’s not worth it trust me.
haha
From my experience, ALL-STATE was a nightmare. Let this be a grave warning.
Horrible company screwed me twice once on my home then my car, criminals.
Interesting i had many claims and all been hassle free
I just got insurance with Allstate, 🤨
Refused to pay renters insurance claim...All State sucks.
@@wayward03 they dont just refuse, their has to be a reason and your just ignorant in reading your policy
LOL - 185 insurance companies and their minions dislike your vid Scotty - keep it up!!
253 now!
Only 20 grand for a deductible? Yeah! Lemme pull it out of my shoe! :D
I thought you were 6ft tall...
Frosty you got a big shoe size then. Lol
lol
Can i barrow ur shoes
@Frosty I can appreciate the joke, but would you rather get a loan for 20k or a loan for the entire cost the house?
That's why you buy a reliable used car and pay pennies on the dollar for basic coverage vs full comprehensive insurance that over the years could have paid for your used car many times over. Basically think of your car as disposable.
That's what I do. My wife and I pay less than $300 a year on 2 cars and have for over a decade.
Bingo!
Great info thank you.
I agree, but I feel like it depends on each individual. I have liability only on my car because I'm not worried about anybody trying to sue me, I don't have anything to lose really lolz. My 90 yr. old grandma who still drives her 2010 Toyota FJ Cruiser 4WD has great coverage because she has many assets to protect.
damnit, now I had to go and calculate how much I've paid for insurance since I was 16... ~$39,000 so far.. and 0 claims..
As an auto glass shop owner. I agree with met-life being terrible. They are a nightmare to deal with and to get paid for. They also refuse to pay the going rates for repairs.
Top 5 worst insurance companies to deal with.
1.Met-life
2. Geico
3. Progressive
4. Farmers
5. Safeco
Auto-Owners Insurance Group Has Excellent Products For Business And Personal Auto Policies. They Are Great!!!
@@dav35601 couldn't agree more. That's who I use.
@Paul Stejskal Auto-owners, insures my auto and home.
👎 with Geico!
Older vehicles and a good attorney
Best 1-2 punch policy available
Hello, Geico? Can I please talk to that damn lizard....LMAO.
Geico screwed my girlfriends car. She rolled it 3 times when she got cut off by a big truck and they told her they wont cover it because she didnt hit a guard rail.!!! Hilarious!! LOL I'm sure a lot of you got burned as well but they scammed me pretty good. Now Im with Fred Loya but until another accident happens,Ill know if they are good or just like the others.
"Bank Robbers" *shows Goldman Sachs* well played. 🤣
the biggest BS here in Canada is that when you turn 25 you get a big premium reduction. when i turned i didnt even save enough to buy a coffee.. Total BS
Please be careful Scotty. Usually when people start talking about the truth they get silenced. Thank you though! Love your stuff!
@Thiss** Guyy* amen to that. stand up is what this country needs.
Tin foil hat wearer detected.
ya mean, dont have anything on HRC.... or Scotty might disappear...
Its best to exercise your freedom of speech (Sadly while UA-cam still allows it here)...
I think he'll be safe as long as he doesn't fix any cars for the Clinton's.
For the truth on Insurance Companies, watch "The Incredibles" - the scene where Mr. Incredible's boss calls him into his office.
i had Geico for 3 years and after renewing again for no reason they raised my premium from $522 (6mo) to $711(6mo), no coverage changes, no tickets, no accidents.....
Geico is infamous for doing that. They say it’s b/c they got permission from your state.
Car insurance seems to scam in many ways. One way is to charge 1 owner over and over for multiple cars. How about insure the driver, not the cars?
Exactly right! Glad you see it. If you have 2 vehicles and are the only driver, you can only drive 1 at a time, therefore only 1 can represent a risk at any moment. SCAM!!!
They make more money the way they do it. LOL
@@abelincoln332
Very true, but we can retaliate by checking rates everytime the renewal is coming up and jumping ship if necessary. It works and it saves hundreds. Cases in point! 2011- changed to Utica Ins Co, rate $700 or $800 annually. 2 years later they wanted $1000-$1100, jumped ship with Travelers for $850 & 2 years later they wanted $1150. Jumped ship with them in 2016 for $850 with Safeco. 2 years later they wanted $1150 and they are a Liberty Mutual Co. However the quote to replace them from Liberty Mutual was around $800-$850 but Progressive quoted $720. Went with Progressive! Here we go 'round the Mulberry bush. I can do it every year if I have to! They're all a bunch of whores!
@@1redrubberball 🤣🤣🤣
You used to be able to buy personal liability insurance that covered your liability in any car you drove. You couldn't let others drive your car but you could drive theirs and be covered.
Scotty tackling the tough topics
Scotty 2020!
Scotty for Democratic President 2020!
Scotty for the mechanic president2020!! Fixing the country.
@@chardmbLOL
chardmb he’s too intelligent to run as a stupid democrat.
@@chardmb Consverative Scotty
Never go with liberty mutual. Raised my rates every year even though I haven't had any accidents
They once told me “We’re raising your rate because there are a lot of accidents in your area”. I replied, “So what, they weren’t my accidents “.
I'm about to leave that crappy company.
North Carolina has cheap auto insurance but, it’s the worst state for auto registrations. I went to the NC DMV and they said that I have valid auto insurance. They said that my auto policy never lapsed. But, they want an FS-1 from my auto insurance carrier proving that my coverage never lapsed. So, they already knew my auto insurance coverage never lapsed but, they want a form from my auto insurance carrier that it never did. Now, they revoked my auto registration. What a bunch of morons😡
Scotty, this is the first time I have agreed with you 100%. Insurance companies have a license to steal and have done so for many years. Most people see the commercials and think they are in good hands. Truth is the insurance company has its "hands in our pockets" and they only care about making a profit.
What do u so for a living ? Why do u get to make a profit . Car insurance is super regulated . No one is ripping you off .
You don’t like there is an insurance department .
2:12
*MORE THAN 50K AGENTS*
Shows a bunch of clowns lmao
Plymouth Rock now forces you to run a tracking app AT ALL TIMES to have a policy with them. I just turned down a discounted rate because of that. I will not run an app in my car every single time I drove, 364/365 days a year to have a policy. Ridiculous.
it sure is refreshing to hear the truth explain so simply and truthfully. Thanks Scotty keep up the good work and stay safe
When I had my 1994 civic 3 years ago I was paying more in insurance premiums than the car was worth with not a single claim paid in my life driving since I was 16 now age 55
Try raising your deductible and just pay cash for any repairs you get must of the time it's just body repair or replacement and insurance usually pays out a few thousand on top of your deductible.
Lots of reasons that makes sense. If you had collision coverage then an older car is more likely to be toltaled of an accident happens.
That’s true for most vehicles. My RX-8 I got for less than $3500, spent $1000 on new tires (that’s with a discount, I need those tires for pulling G’s in the corners), but within 3 years my insurance will be more than that (also probably even my gasoline bills, which at single digit MPG, is not like that’s cheap...). My prior car was a super easy to work on and reliable Mercedes 300d (legendary W123 classy, also could change oil in a suite and tie without getting dirty, excellent car for normal people and mechanics both!), but the yearly rate was more than what it cost...
The absurd insurance price (no change regardless of car) was so high, I decided to buy more exotic expensive cars since what’s $1000 tires and a $3000 blown engine every few years compared to the known scalping of $1.2k per year? I wasn’t going to drive some $400 to $500 car and pay the $1000+ yearly insurance for! It means that over the ownership, the fun track cars really don’t cost you that much more since insurance costs more than even drag cars that do wheelies! (It’s $8-10k for drag cars with preinstalled wheelie bars, extra for the parachutes).
That's your fault, not the insurance company.
You're my kind of driver Dave. Houston is home to the shittiest drivers in the world I believe.
“House insurance...” shows house
“Health insurance...” RIP grave LOL
Love Scotty! All of your video are loaded with wonderful information!!!
Thank you for this very informative video, Scotty--MAJOR thumbs up! Although this may seem obvious, many people still do it: NEVER let an insurance company have a car monitoring system installed in your vehicle. It gives them incredible ammo to do anything from raising your rates to outright refusing claims. You can also kiss your privacy and credit rating goodbye.
Scotty, I am willing to drive from my home in Washington, DC to the great state of Texas just so I can have the opportunity for you to inspect my car. You're a great American. Keep up the amazing work!
Progressive did me wrong, no claims ever, tried to jack rates 25% goodbye to them
Never trust a lawyer politician or an insurance company!
Same here. After Hurricane Harvey, Progressive tried to jack up my rates 20%, even though I've never filed a claim. I switched over to GEICO.
@@MrSgtau Yes, but this game goes on among a number of insurance companies. I get new quotations every year now. Typical scenario now is I get a quote 1st year for $850, then 2nd year for $1020, then 3rd year for $1163, etc. No change in coverage, no claims, no tickets, I'm the only driver and have a clean record. They're all mostly a bunch of whores. No loyalty to the customer, so no customer loyalty to them. Get new quotes every year, save $$$, hundreds of $$$.
Had the exact opposite experience. What a trip.
Progressive tried to jack my rate up almost $100 a month. I got a new policy from GEICO for about the same rate as my old progressive rate and I got more coverage.
I am 51 and haven't had a car insurance claim since I was 22 years old (minor accident $400 or so). Anyways, it seems to me that all insurance companies start out giving you a low rate, and leave it low for a few years, then start raising it every year until after 7 or 8 years, your rate is almost double what it started at. I think they count on a certain amount of people not wanting to bother switching again and just staying, albeit the higher rate. Seems abnormal and non-competitive to some degree. I hate all insurance.
Insurance is like marriage. You pay and pay, and never get anything back!
-Al Bundy
Al was truly a sage.
@Robin D. Exactly. Especially when the minimum required insurance is so low that someone with zero assets only has the minimum and then trashes someone. Their insurance company charges quite a bit but only pays out $15000-$25000 for an accident that results in $100000's of damages. So people need to get underinsured policies, too.
Yes, I agree with everything said here... however try not having insurance and getting into an accident, regardless who was at fault!
or imagine driving home one day and some crackhead throws himself on your car! Seen it many times!
I know you're joking, but marriage worked out pretty well for me. And, I ended up with two wonderful sons.
You get what you give...😉
Call me crazy, but I think this has been on Scotty's mind for a while 🤣
I got rear ended sitting at a red light. Their insurance said my car wasn't worth fixing. Paid me less than half the cost to repair my car. Lawyers said they can do that. Still driving it with the bumper and trunk lid damage. Insurance is a scam.
Payment is always: loss-deductible subject to limitations. If your loss wasn't near 80% of the car's value, then they should have paid minus the deductible. I'd need to see your car's KBB value and the invoice to repair to know for sure, but if they truly paid much less than they should have, you can report them to tmyour states insurance commission (or whatever it's called for you) and you'd have a bad faith claim in court which can cost them much, MUCH more than of they'd paid in the first place. You have he right to hire your own adjuster, but bear in mind, they charge a percentage of the claim. (Tx no more than 10%, as example)
Had farmers. It took 5 months to settle a $198 claim. Only settled after I threatened to sue!
All insurance is just dressed-up gambling. You're gambling you will need to claim, and the insurance company is gambling you won't.
and the corrupt politicians say you have to play!
The best insurance is to drive a Toyota of 94!! I love you Scotty
Χερι 😂😂😂👊🏼
40 insurance companies have watched this video, so far.
It's only logical that it would be insurance companies down voting.
My insurance on my $400 truck works out to $1.19 per mile.
0† 4 that's terrible! It makes you want to go without it and play it safe, keep your fingers crossed, and the hell with them!
looks like 167 insurance rats didnt like this video
189
200!!!!
Good information as usual Scotty! I totally agree. And also with home warranty companies operate basically the same( scammers) ahs is one of the worst! Thanks
Scotty you’re like an uncle that gives us good advice, thank you 🙏
Now let's talk about heath insurance and everything they don't pay for!
Healthcare are a rip off too girl lol
Yeah, up in Canada had a heart attack, 17 days in hospital. Total cost 84.00 CDN. My sister is in the states, she had to have a kidney stone removed, but they needed 6,000.00 US from her before admitting. enjoy!!!!!
@@soisaidtogod4248 keep in mind that 6000 is with insurance.
@@soisaidtogod4248 been through the whole kidney stone thing several times. The bill(s) I ended up paying was the doctor, anesthesiologist, hospital and urologist apart from what my insurance paid on top of co-pays.
They are the absolute worst. We need a single payer system. Medicare for all.
Its sooo nice to have a person like scotty that actually has a soul and works hard and informs his fellow humans of great knowledge! you give me hope in this screwed money pit world.
Scotty is great!! All the success to you. It is well deserved.
I had Hartford thru AARP, supposed to be great for seniors, ha! No tickets or accidents for 15 years, had an accident caused by a commercial truck, only paid me 20k less than the value of my low mileage vehicle they totalled and auctioned off!! Then proceeded to raise my rates by 50 percent!! Went to Erie insurance company, lowered my rate with increased coverage!! Shop around!!
Mapfre's stock start it to go down right after Scotty released this video
😂😂😂
For real?
I'm the same never submitted an insurance claim my whole life yet my rates continually went up
That is when you threat them to leave or shop around. I did it to Progressive and they dropped $10 off my monthly payments. $60 every 6 months. I like Progressive, they are cool and polite to me.
Same! No accidents or tickets in over a decade. When I hit 35 I thought I'd see it go down, but nope! Just keeps going up.
lol
Same here.
Shop around never stay longer than 3 years same company...that way you can get better quote. But everything goes up some.
Hey Scotty, I completely agree with you! Could you research and let us know what you think about root and lemonade? They’re insurance apps that you use on your phone and are supposed to eliminate the nonsense that goes along with insurance. Love the videos.
Scotty Insurance...don't leave home without it. Scotty raises his hood to give insurance rant. Cornelius Vanderbilt owned a lot of ships....the insurance was too high...he became his own insurance co.
The big giants are smarter than that. Apart form recent cutting the Tax, by their orange puppet, they have well established a system that if you get smart and decide to pay for yourself or don't joint them, you'll instantly face Law enforcement (Long arm of Green) and go to downtown, on bare feet!
Sam Sen their " Orange Puppet"? A thousand times better than the Black puppet to The MUSLIM Brotherhood
@@joelspivak6622 Both Obummer and the orange Cheeto are Zionist puppets for Israel. The Muslim Brotherhood is a small political party in Egypt with no power. Their leader was overthrown and is being held prisoner. If they had any power, their leaders wouldn't be sitting in prison.
Absolutely blows my mind when people pay more for insurance than their car payment
I bought my car for $1500.
My insurance is $80 a month.
19 months of insurance is worth more than my car.
No wonder people drive with no insurance and no registration. They easily exceed the value of your in a short period.
Even my RX-8 is just like 3 years of insurance... my old Mercedes was MONTHS of insurance... other cars I was looking at were the same as 2.5 months of insurance, hence I said screw it, the insurance is the same, I’m getting a fire spitting gas hog that can whip a Farrari on the race track! No point in buying a cheap car when insurance costs more yearly...
just subscribed but binge watch u all the time scotty, thanks for being so honest, you really help alot of people, thank you thank you thank you!!!!!!
That is so crazy. I think that is so cool that you do this. Thank you what you do.
Absolutley right Scotty !!!!! Excellent work by finally coming out to address this issue!! Thank you very much !!!!
Yeah Scotty! All the thumbs down must be from insurance agents.
Not all
Fine fine. All thumbs downs are from Ex insurance agents and/or politicians and/or their significant others or others who don't know any better. There we go, that's better.
My dad was in the Navy which allowed me to get car insurance from USAA. I have a 2014 VW Jetta GLI. My monthly insurance premium was $75/mo until I got 2 California rolling stop tickets in Beverly Hills. My premium doubled with two tickets to $150/mo. But after talking to other insurance salespeople I learned USAA would only increase my premium for 3 years while most insurers increase it for 5 years.
Use an independent agent always. That way you have options and someone who can shop the rate in-house when your rates go up. Stay away from captives, Allstate is about to take a 40% rate increase
I mainly watch these videos for the cards in the upper right corner. Hilarious. Keep up the great work.
Scotty, run for congress. Reform the whole industry. We believe in you!
Or vote for Elizabeth warren...
@@nogodsnomasters666 what???? so we can get socialist car insurance too?
One person can not change congress
Scotty has my vote
@@AceJams You don't know what you're talking about.
Legends come from Texas! Take Scotty and Chuck Norris!
Good advice. In my instance I owned AAA for most of my life, and by the time I got my 3rd car (2019), they really jacked up my rates despite all my discounts. My other cars are rare (1995 and 2005 turbo cars) but still pricey to insure. Every year I would check the popular Insurance companies and the rates were similar. By switching to Liberty Mutual I saved 1,800 bucks a year compared to AAA and have some inexpensive gap insurance from Grundy.
You have to love these insurance companies. They bought everyone on Capitol hill to write their own rules. 🤣
and change the rules as they go along...
lol
Wow...
You're very brave, Scotty, calling out the insurance mafias' racket. You've earned my respect.
I like the information you give about Insurance companies ,
Liberty Mutual gave me a great rate for one year.
Then jacked it up like crazy. I haven't had a claim in over 15 years. Said it was because it cost more to repair cars.
In 12 months it costs that much more?
They just want me to pay for their stupid commercials.
So glad I dropped them!
Liberty mutual is for the rich.
@@jacobhouk7016 Liberty Mutual is for the Stupid. 🤪
I had one car incident where I drove into my sister's garage 15 yrs. ago 😂 and the last time I tried to apply for insurance 5yrs. ago, it was still ridiculously unaffordable.
That garage incidents cost was about $2500.
Here's a man telling the truth. Watch your back Scotty.
He's gonna end up as a human Guinea pig at Area 51
Your joking but it's not. Any person who thinks these organizations can't flip a switch and you never come home, are living in la la land.
Jack Savage, I'm surprised he made it this far. God bless him.
bridamy yeah, the CLINTONS are the perfect example! Killery has had more people bumped off!
Joel spivak,lock her up,lock her up
Thanks Mr Kilmer! Love the honesty!! Keep us informed old timer! Im an everyday scotty kilmer browser!! 👊👊✊✊
I worked as an investigator for many years. Most of my clients were insurance companies. I have worked cases where the injured claimant could have easily settled to only have his medical bills paid. What happened? "Someone" at the insurance company decided to spend over $50,000 "defending" the claim even after I told them that my undercover investigation found the claimant would be happy if only his doctor bill was paid. My investigation bill was over $43,000 on this assignment and they tried to not pay my bill. Later, I discovered a kick back scheme between a claims examiner and a "friend" on a different claim and they decided to pay me my money but refused to hire me after that. I did not tell them what they wanted to hear. IMHO most insurance investigators are in the same murky swamp. Tell the insurance company ALL information that they do not want to hear and goodbye. I do not know of any insurance company for life, home or auto insurance that I trust. When in doubt, seek a public adjuster (former insurance claims adjusters) or a GOOD trial attorney ( no ambulance chasers) and they may know a way to keep them honest.
My buddy got dropped by Allstate he never had a claim. He called and asked why they dropped him they said he was due for an accident.
Minority Report insurance company.
😂😂😂
What????
I’ve never heard that one before
Allstate increased every year just because the amount of claims in my region changed. I told them the state insurance dept had no proof of this (there's one that represents the state government in every state). Reasons to raise rates has no government oversight whatsoever. There will always be a better insurance company that will change this with competition.
Thank you soooo much. This was very informative and factual. 🤙🏾
Glad to see you back here tks
227 thumbs down....from insurance agents and executives.
2 MetLife executives hated this video
more like 14
Don't worry, more of them are coming cause they the only ones who will be down voting this video
64 now. LOL
Good video Scotty. My AAA auto insurance went up because people in L.A. were getting into accidents and tickets. My wife and I have not had a ticket or wreck in last 40 years or more. Your right Scotty, its truly legal robbery! SAD!
Oh, almost forget. During a big, big, storm hail and some really big winds here in Norther California. My roof leaked and caused interior damage, this is so stupid, they paid to fix the interior ceiling, which was least amount to pay, but wouldn't fix the roof. The storm caused the roof to leak. LOL or Not!
Michigan, highest rates in the country. In 20 years I spent 45 grand. All because of the Michigan catastrophic claims fund.
I moved from MI to WA in 2020. My rates stayed the same, but now I don't have the catastrophic coverage (MCCA). If you look at it in those terms, my cost went up by maybe 25%.
I’m going into the insurance business! I’m getting tired of knocking over kwik marts!😜
Lol
I’ve been with USAA for over 40 years; home and auto. Absolutely outstanding company to deal with. Claims are handled fast and don’t jack your rates for a claim. 👍
My experience with them is the same. Excellent company.
Is it only for military related?
Hui Li yes.
USAA has been great to me and my family as well. Only insurance company i have ever trusted.
I feel like they're hard to beat.
Years ago I got a notice in the mail that Allstate was cancelling my coverage. I asked why, my agent at first, wouldn't even talk to me. I went directly to Allstate, and they said I was involved in a vehicular homicide. Turns out I had my car in the shop for engine repairs at the time they said I had the so called accident. When I showed proof the car couldn't have been involved, they took a week to then inform me that my social security number was mixed up with with someone else's . I went back to the agent, who was too ashamed to look me in the eye, and told me I was reinstated. No apology. I promptly told him where he could stick his insurance.
Thanks 🙏 for sharing with us
Scotty ,
Thanks for letting us know Mapfre / Commerce Insurance, Boston
are NG !
Good luck with Liberty Mutual. We had to sue them for non-payment. They , after a year, paid a big fine (hahaha!) and wrote a large check to cover what they owed us. They also had to cover our lawyer's fees.
Their quotes suck as well.
Subscribed. Inspirational as always.
Progressive and geico are decent, as far as paying, but they have their own adjusters that tend to put all used and aftermarket junk on your car.
Me trying to insure my vehicle
*SCOTTY: STOP*
You can put the state minimum and you can legally drive
Scotty: Get Toyota's Car insurance. They are the best!
@@jimmytimmy3680 they would be
@@robertbennett2796 yeah but then you are paying money to receive no service. Than of course someone hits your car. Than you wish would have spent the extra money each month.
Plus if you have a new or newer car there really is no way to get away from it.
@@josemartin598 true unless ur rich u can be selves insured
Good stuff man. Thanks Scotty.
👍👍👍👍👍
When AARP recommends the Hartford run away they will Jack up your rates as soon as they can
Hmmm, I have Hartford and have been with them for 4 years. Their premium rate has gone down every year. I am now paying $640 per year for full coverage. Should they raise it at any point, I will instruct my agent to "shop" it. Of course, I have an impeccable driving history (no tickets, claims, or accidents for well over 30 years), and that no doubt influences the rate.
@@bishop9598 So, how long have you been a hartford ins. agent ?
@@ar1701 Never have been one. I switched to them 5 years ago when I found that my 6 month rate dropped from $835 (Nationwide) to $384. Yep less than half.
As far as what Den S said (that they will jack up rates after they get you signed on), I have found just the opposite. My rate has actually gone down as I am paying $365 for 6 month coverage now.
May depend on your driving habits tho'. No tickets or accidents, or claims for over 30 years here. That rate is for Central Florida, although, I switched when I resided on South Florida's Gold Coast. It a comprehensive policy, that includes No-fault, collision, OEM replacement, road-side assistance, and all the bells and whistles I've always had.
IF you can get a policy in the first place - I've been an AARP member since I was first eligible AND even worked a little over 3 years at a one time The Hartford subsidiary connected with AARP AND been claim free for over 10 years but they declined to give me a homeowners' quote. I suspect but can't prove that they redlined me since I live in Philly - and I really should drop my AARP membership like a bad habit.
You were talking about Ins. for cars or trucks. I have a story. I drove a School Bus for 21 years, during that time I tried to get different Insurance for my car, I called "Progressive" they told me I had to take a class of 10 hours for safe driving or they wouldn't insure me? I tried to explain to them as a school bus driver we have to have 10 hours of classroom every year just to keep our cert. They wouldn't except the classroom for school busing, said I had to go to the school they wanted me to go to. I didn't go with them.
So glad you mentioned MetLife. I used to be with them, never had a claim and got dropped with no explanation and even their local agent didn't warn us we were going to be dropped. That's how MetLife does business.
Thanks Scotty for shining the light of truth on these cockroach companies. I've been a good customer of 21st Century Insurance for over 20 years and they've been pretty good to me and have consistently had very competitive rates for auto insurance. On the other hand, my former health insurance company, Aetna, was one of the worst companies that I've ever had the displeasure to deal with.
Hey Scotty, there's a Houston based company called ACCC insurance. They have an F rating from the Better Business Bureau and are terrible at claims. One of the reps actually told us to only write liability only policies because they don't want to pay out any claims for cars with coverage.
Hey Scotty. You were spot on regarding these rip-off insurance companies! I've had experiences exactly like yours here!