Why You Don't Lie To Your Insurance Company...
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- เผยแพร่เมื่อ 4 ต.ค. 2024
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My wife heard the intro music and immediately said from the other room " is that the tiny man in a garage with freckles" such a good description
You shoulda responded Yes, "Rob Ferretti's here".
I miss the old days when he did cool shit, not just reporting from the garage.
@@TheCowboy1973 so go watch the older videos
v a What does a garage freckle look like?
@@TheCowboy1973 I miss it too, but I can see why he doesn't do stuff like that anymore. Or at least doesn't film it and post it. He's got a lot more to lose now than he did 10 years ago or whatever.
The BUILT protein bar is the new RAID:Shadow legends amongst you tubers lol
All these paid youtubers act like they play shadow legends lol like who df would wanna play that shit lol
Outright bars are the real shit
Unlike RAID built bar is actually good.
i don't understand why anyone would believe a youtuber would play mobile games
I bet you guys think athletes eat wheaties too
Spaghetti should start his own insurance agency
Nah he should start a rental company he seems to know alot
@@alexcreighton5621 he already has a rental company.......
@@AMSUDZ Thats the joke
@@Verdant02 ha
insurance agency is not an insurance carrier/company, agents are just salesmen and have no bearing on claims, they just take 10-15% of the premium, so cutting out the agent, and getting the policy directly thru the carrier will save you 10-15%..... kinda like that commerical says
Mr. Spaghetti explains why it's a bad idea to lie about the ingredients inside your meatballs
I totally read that as "Why don't you lie to your insurance company?"
I'm an insurance agent, this is absolutely true. Frequently teens and young twenty year olds will have their insurance policies registered to their parents house because the rates are better. Shit hits the fan when they try to file a claim and aren't using the correct garaging address.
The insurance would have been cheaper in Florida in the first place
What a dumb move
Taxes, inspection, and registration too. Do they even plug in to inspect cars down there, or is it, "No check engine light? Pass!"
Cheezy Dee neither
I think Florida would be cheaper and easier for all things car-related, especially compared to my state. I've considered "moving to Florida" on paper and being on an "extended vacation" in my current state just for those reasons. However, now I don't really have a reason to because my cars are old enough to be exempt from a lot of the bs in my state and insurance is pretty cheap.
their snowbirds and probably super old and didnt realize what they were doing
@@CheezyDee texas runs a scanner and vapor test. Glass lights and sniffer. Money scam really. Just register Oklahoma.
I thought this was going to be about someone wrecking one of Rob's cars again and the insurance company not paying up, again.
A 500K Lambo yet he cheaped out on Insuarance
Great point. My car is reguistered in Montana but 100% insured under Louisiana where the car is currently at 98% of the time.....and 2% of time in MS.
I used to handle liability claims for a big insurance company. At least in my company/office, we did NOT look for ways to deny claims. Our jobs were WAAAAY easier when we could just cover and pay everything. When people lied and did stupid shit, then it becomes a pain in my ass because denials are way more work than paying.
We'd do recorded statement to determine liability or ensure coverage was appropriate and claimants would talk themselves right into fraud or fault. I'd even ask leading questions trying to help them, and they'd still be too stupid to not bury themselves.
Property insurance... now thats a different monster.
How to never mess up with insurance? Move somewhere where insurance is reasonable and the court system isn't bullshit. Aka...south east.
As a log haul trucking company owner , I deal with insurance alot. My policy for one truck is 100k cargo value and 1 mill umbrella on top of truck and trailer value and under or un insured policy.
I have had cargo and damage claims and the insurance company will do everything they can to avoid paying. They have lawyers who find the smallest of loop holes to not pay. It their job.
By you lying to them, you just gave them a free DONT PAY card. They may know your lying and still take your money and not call you on it. But once a claim happens, they call you on the lie and say good bye and keep your money.
I seen it happen to other trucking companies.
You lie, they will more then likely catch you in the end. Maybe even after they pay they will come back after you. I seen that also.
I garage my summer/winter vehicle when I’m not driving them. 100 miles away. In the same state. I STILL notified my insurance company lmao.
Rob promoting protein bars 😂
Ikr😂
I used to work for Geico and am currently an LEO and I can say that just because someone is given a citation at an accident, in no way deems who is at fault, in any way. Just FYI
Very true. That doesn't even mean the officer is in the right for giving said citation either. I was in an accident around 2 years ago, I was not at fault. To make a long story short, I was given a citation for an improper lane change even though that wasn't the case. I believe the officer misunderstood the situation.
Regardless, you can still dispute the citation in court, so its not something that can be considered as fact until its ruled on.
The INS situation went as annoying as you think it could go, especially given the citation, but I stood my ground and they eventually backed down. This is pretty unheard of, and I've been screwed in a few situations by insurance, but I learned my lesson, don't back down, regardless of how bad the situation looks. In the end, just don't waste your time with the company and tell them to see you in court.
Also, just an FYI to the point rob was speaking on, he was speaking about how committing fraud (lying) will get you no coverage but they won't refund your premium, I'm not sure if this is state-specific but they will refund your premium. If you lie and your policy is void then it technically never existed. You will get all of your premium's back, however, you also will be considered to not have insurance for however long you were with that company, or in other words, you have history of having no insurance, and over-all, I do not recommend lying for coverage, its just dumb, but yes, you will get your premiums back.
More times than not it will.
thats like saying just because a cop, who didn’t witness the accident gave you a citation and you’re automatically guilty - the judge/court determines guilt, not the cop
@@tmwall25 More time then not it settled way before it gets to that point by insurance companies and more times than not they will go by what the cops saids not only by the ticket but what he writes what he thinks happened . I know I wouldn’t want to be the one getting the ticket.
@@ViolentMLG That is the case in California and Texas. This is call a policy rescission and the policy premium is refunded up to the point of misrepresentation whether it be at the a specific policy renewal or since the policy inception. The premium refunded is also prorated so it would be less then what you actually paid the agent that sold you the policy but pretty close.
Every claim is case by case. The laws of the state, city, county, etc all effect the claim as well as the policy agreement. Also even if a coverage issue is deemed to be material the insurance company the company still has the discretion to extend coverage if they want to . This may be done if you are a long standing customer with little to no accidents (they may not want to lose a customer who has paid 10k in premiums over the last 10 years with no incidents over a 1k accident) or if the accident is minor and the company stands to lose more in rescinding the policy than paying out the claim (such as a 800 fenderbender when the policy rescission would result in a refund of 1.5k).
This kinda reminds me how Royalty Exotics has Alaska plates on their cars even though they’re in Vegas.
Rob does this too, Montana tags though.
Facts
Your insurance does not have to match the registration. Our company trucks are all registered in the state where our Corporate office is located, but insured to the cities they are used in.
registration and insurance are different things
@@MX304 so if a accident happens your claim will be accepted? Also what do you do about local cops pulling you over and over for the out of state tags
His face when he’s eating the Built bar 😂 I don’t know if it was that good lol
Let me get this, A hole with lambo dodges insurance cost by registering somewhere else, must be nice to skirt the system even when you have the cash.
In this episode, Mr Spaghetti tells us why you shouldn't lie to the head chef about stealing meatballs
As someone who works for a major automotive insurance carrier in the US, i gotta say that this advice is spot on and i hope a lot of people see it because there have been too many times to count while I've seen a client denied a payout due to lying about things on their insurance
I don’t own a car.
I just ride bicycles
So I rent a car 2-3 times a week.
I get all the ins I can
Even though I know it’s a ripoff.
It’s worth it just in case.
As someone who may or may not have had to un-modify a car overnight before it was collected by insurance, *don't lie to them!!!*
Collected by insurance? Keep the car minus $500 and McGyver it back together or just sell it wrecked clean title. It will show it was wrecked but won't be salvage.
What happens? My shit is still on wheels and coilovers & is going to the shop tomorrow, probably a total loss. What should I do to get my parts back?
@@lordvader3538 You can usually make more money by parting out the car if it's an enthusiast car, like the type people like to heavily modify. If you don't want to go through the effort of parting out the car partially or completely you can just swap out the more valuable parts to then sell in a market place or if you want to buy the same car again, you will want the parts to salvage the custom parts to install in the new car.
Consider the worth of the vehicle and the insurance payout. It may be a total loss but you could just tell the insurance you want to repair it anyway so you can they buy the same car again and swap out the parts to the new car, part out the totaled car after getting what you need and then junking it.
There is a YT video where a kid talks with the insurance company over getting back his modifications and he goes to the insurance lot with tools and swaps out his wheels, suspension and other parts.
I totaled a car and my insurance payout for a car that is not on a loan was max $4,000 for total loss. I just chose to rebuild it anyway and I was paid $3,500 instead. It had over $8,000 in installed aftermarket parts. I could buy the same car for between $2,000 - $8,000 depending on condition and since I have spare parts from the wrecked car I could save money by buying a car with a bad suspension, wheel bearings, bad engine, transmission etc.
Today Mr. Spaghetti tells us why to always tell your mom exactly how many noodles you have.
Just one correction, the garaging coverage issue would result in a rescission of the policy. The insurance company would refund the policy premium paid. At least that's the case in California and Texas. Policy premium would be refunded up to the period where the misrepresentation is present. So most policy premiums are for 6 month policies. If the policy was for January 2021 to June 2021and the accident happened in May and the policyholder only started garaging the vehicle in Florida in December 2020, the misrepresentation occurred at the renewal in January 2021 so all premiums paid from January 2021 to present would be refunded at prorate. If the vehicle have been kept at Florida address since May 2021 then the misrepresentation occurred when the policyholder renewed the policy in June 2020 and all premiums pay from June 2020 to present would be refunded prorated. Now the is just a general example. All claims are handled on a case by case basis and everything is dependent on the laws of the respective state and the policy agreement. I am an auto insurance adjuster. Just my 2 cents for those that want it.
I always licensed and insured my vehicles to the same address. No matter where I actually lived.
You spent a minute pissing off all your subscribers for a dumb protein bar. Genius
The mans gotta get payed
Ever heard of fast forward?
Today: How another chef can burn YOUR sauce.
Massachusetts is one of if not THE most expensive states for insurance ESPECIALLY compared to Florida. Also mass has inspections and Florida doesn’t. This doesn’t make any sense.
This case was contributory fault - nothing at all to do with inspections.
This has nothing to do with saving money honestly the people that own the suv couldn't/didn't want to bring the car back to Mass so they left it in FL and let people in FL drive the car... The real issue here is that they told the insurance that the car in is Mass but they left it in FL and let other people drive it around FL. This could have been fixed it they listed additional drivers or told the insurance that they left the car behind in FL
@@MagicBrownMan Where the car is located is immaterial. That was decided in court cases long ago. A policy in MA is still valid in FL. In fact, any policy north of the Mexican border is valid in all states and Canada as long as the registration hasn't changed. The catch _MIGHT_ be one of the additional drivers could have been uninsurable or might have a suspended license, THEN there's a problem.
@@dieselscience The argument wasn't where the car was located it was that the car was in FL for more than 6 months and it was never reported to the insurance. which is something they ask when you get insurance (where the car will be parked/stored) and insurance will try to to use any technicality to not cover costs when it involves a 100k plus car (in this case the lambo wasn't their customer and they just wanted to not pay for that)
@@MagicBrownMan That IS the argument, watch with the sound turned up.
Lying to the carrier is the difference between being covered and very, very, very likely being covered. They sound the same but are not
You might set up a Florida residence to save on taxes. NOBODY insures a vehicle in FL to save money. The highest in the country PERIOD
Actually most expensive is Brooklyn NY
So as somebody who used to sell insurance, I saw this way more often than I should have. People lie to save money. They think it's inconsequential, until they get dropped by their insurance company or a claim will not be covered because they didn't tell their insurance company something truthful. Also, the process of your insurance company stepping in when you are being sued by the other insurance company, it's called subrogation. You are literally paying your insurance company to provide you legal services in the event of an accident. The other thing people don't think of, is commercial activity on a personal policy. If you have a personal Auto policy, and you do something like Uber or Lyft, or food delivery, and you get in an accident while on the job, your insurance company has every legal right to not cover it. If you want insurance for a commercial purpose, pay for commercial or business insurance. It's more expensive, and there's and there's a reason for that.
As an owner of an insurance agency I love this video. Rob is dead on that when there is a large claim the insurance companies will do a thorough investigation. If they find you lied or misrepresented material info like where the car is garaged or who regularly drives the car, they will definitely decline the claim. The most common gap I see is kids graduate from college and then move out of their parent’s home, but take the parent’s car. The parents keep the car insured con their policy, not knowing they now have no coverage. What is equally as bad is that the kid had no uninsured motorist coverage to protect them if they are injured by a drunk driver with no insurance. This is why everyone should have their own independent agent.
this is why i drive stolen cars, when i crash them i just move on.
Wait whattt lol
On today's episode, Bob Spaghetti teaches us how to plate our meatballs
Would this be similar to something like, say, registering your car in Montana for tax purposes?
As those are registered to companies I would suspect no unless you tell the insurance company that the car is garaged and kept in Montana
I personally prefer to perform tax evasion.
Does the kettle call the pot black? This message coming from someone with cars registered in Montana... huh, strange.
When I had multiple places and left cars at each, they were stated as being in the state/locale they were in.
This dude always either gets scammed or taken advantage of and looses shit but still remains a positive person !
Lmaoo this is a story of another person most of the stories are his but not this one
So much gray area here. Once you get into LLCs and vehicles registered to them, the LLC files for bankruptcy, protecting the owner. And then there's always the umbrella policy you can buy from a 3rd party... When Lambos are involved, every insurance company will try to get out of paying. No matter what. They'll exploit every technicality, explore every legal option, go back on their word, they're the real crooks. And besides, if rates were standardized nationwide, people would have no reason to do this.
Rates can't be standard nationwide since risk isn't standard nationwide.
Except for the cost of litigation generally exceeds the payout. Like when the dude that hit me insurance sued me for liability of a $13k motorcycle. No way they spent less on depositions, attorney fees, and everything else than the bikes value.
It sounds like they just forgot ...insurance in MA is way more than FL
“I spend my days taking risks, but when it comes to car insurance, I don’t take any chances!”
That is like the Joker and the IRS
Think about the potential risk of a high speed accident. You wouldn't want to be staring down the barrel of a $1.4 mil liability lawsuit and have no coverage because you lied to your insurance company.
This is all very click-baity - read the linked article. The Lambo coverage was not the issue. The Highlander was the problem and it was unintentionally left in Florida in 2018 for health reasons. So most likely an error of omission rather than intentionally lying to save insurance money. Unlike, say, having Montana plates when you don't live in Montana.
agreed everything you said is correct except the last sentence, while it is frowned upon its fine to register your car in other states, it is legal as long as you insure it where your driving it. Example a company HQ is in Texas but hey have long term contracts in NY, all their cars can be register in TX and insured for NY. Its a legal loophole for the same reason, but the tax fraud come in cause the cars aren't being used for a commercial purposes and the LLC is just to avoid taxes.
The owner of the vehicle does reside in Montana. The vehicle owner is a corporation that resides in Montana.
@@Hosz688 Well I hope the fine state of Montana provides Rob’s infrastructure, roads, fire, ambulance, police, schools, public health, etc. since tax evasion via loopholes is just legalized tax evasion and taxes actually serve a purpose. The Montana plates people are always so defensive about it because deep down inside they know they are wrong.
@@Ficon you're right. All tax loopholes should be eliminated. The home interest deduction, ev tax credit, deduction for student loan interest, etc. are all legal tax loopholes that let people pay fewer taxes. But as long as it is legal to take advantage of these loopholes, I really can't criticize anyone for taking advantage of them.
@@Hosz688 Tax breaks specifically designed to be that are not loopholes. They help people buy homes, start careers after school, adopt new technology. Registering a Ferrari in another state just makes you an entitled rich a-hole.
Unless you're in Ontario CANADA. Where its $1000 a month for insurance in one spot and a street over its $300.
Those Montana tag holders come to mind!
I had a similar situation. moved to a different state and just didn't bother to update my insurance address. Got into an accident and this was brought to me. My dl my proof of address everything was from the new city. Thankfully didn't got in trouble but learned that it is better to have things as straight as possible
I just hate all insurance company’s 😂😭 $591 a month to Gieco on 3 cars in Florida 🤢 also have a commercial insurance policy for one of my businesses that’s $2300 a month 😂🤦🏽♂️
Hate 'em till you need 'em. Then they are your best friend, lol!
They know so much more then people think and share a lot of information. Don't risk it
Mr. Spaghetti shows us his new Dried Spaghetti bars
If insurance don’t pay, the insurance should return all money the customer pay monthly for insurance.
If you're going to try something like this, to protect your backside, everything should be "owned" by a corporation that you happen to be the owner of. If the car is totaled, the insurance company can't sue you personally, they have to sue the corporation. You can do things to dissolve the corporation and migrate all that it owns to a new corporation that the insurance company can't sue. Some shady rich people use tactics like this all the time to limit their personal liability and save money. If there is a loophole, it will be abused.
God... Insurance in America is terrifying. I’m just imagining a bunch of fools dropping their insurance now “because Rob said so”!
Are you allowed to lie to insurance companies in your perfect country or are you just jumping on the america hating bandwagon like everyone else? I swear Americans just breath and some guy will yell at them about how they do it wrong in America
I'm going through something similar right now, can't relate more details due to current litigation. Sucks big time as the receiver of the damage.
After just one Built Bar, I turned my Spaghetti Arms into Linguine Arms! Thanks Built Bar and thank you Mr. Spaghetti.
I thought you had to have insurance based on where your primary residence is, not the state your car is primarily used in. I don't remember being asked the question about where my car is primarily used.
Garaged, not used. If you live in Wisconsin and commute to work in Chicago you need Wisconsin insurance...
I went to Olive Garden last week and insured my spaghetti
I thought about cutting corners isn't the smartest idea and it comes to burn you on the long run. It's the difference between eating gourmet spaghetti and the cafeteria crap.
Good candy bars. I thought for a sec it was your Lambo because it sounds like your luck.
I’m just blown away that Massachusetts auto insurance is less than Florida. I thought Florida was one of the cheaper states for insurance.
Florida has no fault and they require you to have a separate medical policy attached to your regular coverage (pip coverage), and yes it’s expensive.
Oh I got a story for ya....my best friend runs a cab company and delivery service and some his employees don't want to pay the monthly fee for car and use there own well this always caused argument as the drivers who use personal cars gives other guys hard time in lunch room as they clam they make more.......well one them got into accident with personal car well he tells adjuster he is is ingredients car for work😑🤔 so the adjuster pens up a statement in buddy's words gets him to sign it and leaves.......one week later gets letter with a check........for his last year insurance and the letter stated he was not insured for the accident and he lied ... now if your going to PLAY THE GAME do it right....I think buddy moved back to Pakistan to run from litigation. I was in office when he got mad at the boss my buddy but he said I pay ya as subcontractors and you must have proper paperwork.....so I don't think he made and money in long run...
Judging by the comments calling out robs Montana plates I’m guessing this video will either get deleted or he’s going to make a Pt. 2 soon on his Montana registration loophole video 😂
he registers them in mt, but i am sure he insures them where they are driven
My car is registered in North Carolina, but is garaged and insured in Colorado. I'm sure he has a similar setup...
@@tennysonjames2969 isn’t that illegal
@@paladin3116 Short answer: no.
Long answer: if he is misrepresenting something to his insurance company, it could be fraud, but if you tell your insurance company my car is registered in x state but I drive it in y state and the insurance company is okay with it, there is nothing illegal about that. It all depends on the company. Some care, some dont.
@@Hosz688 maybe insurance, but you’re supposed to register you car in the state it’s located after so long. People with RV’s in Mass got in trouble for having Montana plates and registering after 90 days.
Rob must have grown up in a middle class suburb family he talks so proper lol
this is a great value PSA. good for you for posting it.
So if you’re a TH-camr that lives in say Florida with multiple supercars registered in Montana that have never spent even an hour on Montana soil how exactly does that kind of fraud work with regards to insurance? 🤔
Registration of vehicles doesn't come into play with insurance. Insurance cares about garaging location and use.
@@superspeeders what about state government ? For taxes don’t they want their cut
@@superspeeders so if you have a Montana tag in Florida would you have to have Florida insurance
@@superspeeders I feel like if people like you can register your cars in states they aren’t in to avoid taxes I should be able to tell my state that I live in another state I don’t that doesn’t have state income taxes so I don’t have to pay those. 🤷♂️😉
@@charlie1832 you can pay state taxes to make the local crooks I mean local government happy then just register the car in Montana to avoid inspections and smog tests and have permanent plates but idk just guessing. I want to know his secret lol how does he do the Montana registration but have the cars insured in his state because he said the insurance cares about where the cars are stored
After a few build bars Rob swill go from weighing the same as dry spaghetti noodle to a wet spaghetti noodle
Speaking of wet spaghetti noodles., check how small his bulge is now......
ROBBO 4 PRESIDENT
You just need an insurance policy to cover the case where your insurance won't pay.
What if it was a different situation? If the car was registered in Mass. with MA plates but the owners had Florida insurance? Would that have saved them?
You’re telling me that I shouldn’t commit insurance fraud?
its not a good idea and if you can make it work its only within the same state and its a short term solution
I was cackling for the entire intro
Built Brands, LLC "Built Bars" has an F rating with the BBB! 32 complaints in the last 12 months. Scroll drown past all the shipping complaints and read the complaints of mold and the response by the company. Regarding the mold complaints, Built Bars stated some of the time the bread goes bad early before the expiration date, this is exactly how Built Bar's are in regards to mold.
At first I understood Bulk Barn...
I was like, Rob Spaghetti is bying meatballs in bulk now?
State of North Carolina Tags all of it's cars in South Carolina.
Very well explained. Thank you Mr Rob Spaghetti
Always make sure your spaghetti is fully cooked
So what happens if you don't stay anywhere more than a month or two?
Today Mr Spaghetti tells us not to lie when insuring your meatballs
LMFAOOOO 😅
A less shitty insurance company would’ve covered this... cheap companies don’t bail people out for small mistakes.
Or.... just tell them you drive it back and forth. Sounds like the owner/ driver got himself in trouble by running his mouth
When they sue you and get a judgement file bankruptcy on it.
And then the court sizes all of your assets ( property, bank accounts, personal goods, other vehicles, ECT) to pay off the debts you owe. Everything short of retirement plans. Trying to ditch the assets to friends or family will be found as they see it all the time. Most states also have options in place to seize future income. MI for instance can take 25% for 10 years... Not a good plan.
Lie of 2021 home gym... a stationary bike maybe :D
Spaghetti says you don't lie to Gecko if you do . There is no cheese for your pasta . And then your just a wet noodle.
I'm confused, where do I sign up for spaghetti insurance?
How did the insurance company discover the car was primarily kept in Florida?
They likely asked questions such as "if its registered in Michigan, why was the car in Florida" then you have to come up with a reason. You can't just say you were visiting on a road trip when the insurance can then find you in another lie such as your secondary residence, other insurance policies, the car has been paying tolls in that state for months. etc. The investigation insurance companies do is on the level of IRS or FBI.
@@Sizukun1 Yep, one of my colleagues has a vacation house in Florida, we are in Michigan and he has a car registered here that he leaves here and another registered in Florida that he uses down there.
@@venom5809 Thats when the insurance company will want to talk with that colleague. Now you're roping someone else into your lie.
So this is like taking your spaghetti to a different restaurant and complaining that it is cold.......
Except Massachusetts has sone of the highest rates in the nation
Cheaper to get insurance in MA than in florida, HUH?!!!
Florida is one of the most expensive places in the US to insure. Lots of tourists from other countries who aren’t familiar with driving in another country. There are also higher rates of uninsured motorists. When I moved out of FL my insurance rates dropped 50%.
@@jwright2227 you must never have been to ny or jersey before
@@jwright2227 oh, jesus lol
Massachusetts doesn’t have cheap insurance tho Good vid I’m not trying to say your not true but I’m paying close too $4,000 a year for a 2011 Jetta and I have no tickets and no crashes. Surprisingly
so basically super car with Montana plates but driven in metro cities are really not covered?
Commercial insurance for his company works completely different than personal insurance...
Huh? What? Did Mr. Spaghetti say something about "Schwety meat balls"?
Drives high end exotic car
Uses scam to save a couple bucks...
This has nothing to do with the coverage of the exotic car.... this is GIECO sueing the insurance of the SUV cause GIECO has to pay out for the lambo and the other insurance just said its not out problem cause we don't want to cover it because the owners of the SUV didn't properly inform them that the car is in FL not Mass.
Hoovie's Garage + Bill Burr
I would never tell anyone to lie to an insurance company, I would tell you to shop around and find one that doesn't ask as many questions so you dont have too
And that's how you end up with the wrong coverage... Instead of looking to duck an insurer, maybe sit down with them and discuss what's going on. At least you will come away knowing what you are paying for and what's available.
@@jeremiahdecker4921 And i would say that its literally insurance companies job, to pay out and replace things when there is an accident... Not try to "duck" your coverage by finding loop holes to not have to do there job..
Big insurance companies do the exact same thing
HGH should be your next sponsor
You can tell as MANY lies as you want when you buy online car insurance to get the premium down and they will still take your money ...
JUST TRY MAKING A CLAIM 🤣😂🤣😅😆😅🤣😂
I dont do bussiness with insurance companies.
Then you take all of the liability for any damages on personally, as well as any legal fees. And you may be violating state laws as well... Good luck when you have an accident.
So I still don't get how the Montana registration works with insurance. If you register a car in Montana and garage it in New York, how are you going to be covered? According to this video your not...
Commercial insurance works completely different than personal insurance.
I'll tell you what is shocking: This was done because it was CHEAPER to insure in Mass than in Floriduh ?