This is discrimination, plain and simple
#1
This is discrimination, plain and simple
I was thinking about buying an Ultra Classic when I found out my Harley insurance costs are so high because of the area I live in. The insurance company said because of the high thief and claims in this area, insurance would always be expensive. Sure enough, after contacting other insurance companies they say the same thing. I've never had a clam or defaulted on a loan payment. One insurance company said, the longer I live in the area the higher the insurance costs will be for that reason. Anyone else ever heard anything like that?
Last edited by shortride; 02-01-2010 at 07:22 AM.
#2
Join Date: Dec 2007
Location: Lake City, Florida (Native)
Posts: 9,255
Received 280 Likes
on
215 Posts
Not Fair But True
I was thinking about buying an Ultra Classic when I found out my Harley insurance costs are so high because of the area I live in. The insurance company said because of the high thief and claims in this area would always be high. Sure enough, after contacting other insurance companies they say the same thing. I've never had a clam or defaulted on a loan payment. One insurance company said, the longer I live in the area the higher the insurance costs will be for that reason. Anyone else ever heard anything like that?
#3
Join Date: Oct 2007
Location: Western South Dakota
Posts: 55,909
Received 75,253 Likes
on
22,615 Posts
#4
got a friend who lives out in the boonies? change the address on your drivers licence and registraion and insurance to a boonies address. when i lived in ontario i hadthe same problem plus if your address was inside of a certain geographical area you needed emissions testing but outside of the geographical area you didnt need it.
its not "illegal" and i never had any problems with my coverage doin it
its not "illegal" and i never had any problems with my coverage doin it
#5
got a friend who lives out in the boonies? change the address on your drivers licence and registraion and insurance to a boonies address. when i lived in ontario i hadthe same problem plus if your address was inside of a certain geographical area you needed emissions testing but outside of the geographical area you didnt need it.
its not "illegal" and i never had any problems with my coverage doin it
its not "illegal" and i never had any problems with my coverage doin it
#7
Trending Topics
#8
Committing fraud (that is what lying on an insurance application is) on an insurance policy is risky because if you have a loss like collision, theft, etc. and make a claim that the insurance company investigates for whatever reason, the insurer can generally void the policy back to inception.
I know, because I am an attorney that used to represent insurance companies and we used to recommend denial of claims all of the time where the insured used someone else's address to avoid paying higher premiums and/or so that insurance was available. A material false statement on an insurance application usually led to the insured also lying during the insurance company's investigation, which is also additional grounds for denying a claim. The only good news: you ususally are entitled to a refund of your policy premium when the policy is voided for material mistatement/fraud.
Lying on an insurance application is also a crime in most states. I'm not defending the insurance companies by any stretch, but facts are what they are.
I know, because I am an attorney that used to represent insurance companies and we used to recommend denial of claims all of the time where the insured used someone else's address to avoid paying higher premiums and/or so that insurance was available. A material false statement on an insurance application usually led to the insured also lying during the insurance company's investigation, which is also additional grounds for denying a claim. The only good news: you ususally are entitled to a refund of your policy premium when the policy is voided for material mistatement/fraud.
Lying on an insurance application is also a crime in most states. I'm not defending the insurance companies by any stretch, but facts are what they are.
#10
That may work for some. My region includes all of North Texas, Southeastern Oklahoma, Southwestern Arkansas and Northwestern Louisiana. Unfortunately, I can't afford to move. My house is paid for and I would never afford to live where I would like to move to. I guess I'm stuck here. It doesn't make much sense to move only because of insurance cost. I am just venting.