Insurance Company

WHL102 · 02-10-2016, 08:17 PM

Went with Liberty Mutual. They offer a discount on BMW's as well as the OEM guarantee above. Hopefully, peace of mind for a small bump in price.

THANKS ALL!

Cuz5150 · 02-10-2016, 08:33 PM

When you wanna be covert, one word------> AMICA!

shivaswrath · 02-11-2016, 07:40 PM

Quote:

Originally Posted by aerostar

Quote:

Originally Posted by shivaswrath

liberty mutual does OEM, but it's a little more $$. I'm paying $3k a year for 2 cars ('12 335i and '10 RDX).

$3k?!?!

Are you 21 or something?

You must have a lot of accidents or tickets???

I live in NJ-that's cheap here!

oolas3 · 02-11-2016, 08:05 PM

Some of you guys are happy because you never had to file a claim. I know 2 people that have had problems with separate insurance claims and it's with the big companies mentioned here. One of the guys had to file a complaint with the state before the insurance company paid him his full value. Some of these companies have shady practices.

Check this out: http://www.badfaithinsurance.org/indexdetaillist.html

I have Amica and they allowed me to replace my cracked windshield with OE BMW glass without any hesitation. I do pay an extra $30 a year for OE part coverage.

black-box · 02-12-2016, 10:51 AM

Interesting that Allstate is #1 on that list for bad faith. I've had 2 encounters in my ~13 years with them, one for renter's insurance (got a check within a week) and one for a car accident (I was rear-ended, other driver claimed fault). Aside from my refusing the first offer to get a value I was happy with on my car (totaled), everything went pretty smoothly, I had my first check within a week of my acceptance of the 2nd offer, and I got my deductible back later. Perhaps they were just "easy" claims or they already feel they've gotten their money's worth out of me

mike@Vossen · 02-16-2016, 06:38 PM

State Farm is higher but always been pleased with service and they have covered modified parts and value for them. Well that has been my experience.

MKSixer · 02-16-2016, 07:21 PM

Quote:

Originally Posted by shivaswrath

liberty mutual does OEM, but it's a little more $$. I'm paying $3k a year for 2 cars ('12 335i and '10 RDX).

This.
I won't even say what I'm paying.

I have 2 more vehicles than listed in my signature.

aerostar · 02-17-2016, 10:30 AM

Quote:

Originally Posted by MKSixer

This.
I won't even say what I'm paying.

I have 2 more vehicles than listed in my signature.

Well, with just an i8 I would assume your premium is insane.

eflatminor · 02-17-2016, 10:50 AM

All the carriers you mentioned are very similar in the coverage and service they provide, which is to say...about average. They're middle of the road carriers for mid net worth individuals. Fine, but not great.

If you want the right to use any repair shop you like, a guarantee of OEM parts, broad/high limit cover and quick, hassle-free claims settlements, you'll want a high net worth carrier. It'll cost more, but that's the way it works. Possible carriers to check out:

Chubb (now owned by ACE)
Fireman's Fund (also owned by ACE)
AIG Private Client
Crestbrook (new carrier out of the Southwest)
PURE

Good luck

02-10-2016, 08:17 PM	#23
WHL102 First Lieutenant 126 Rep 391 Posts Drives: '16 GTI S, DSG, 4-Door Join Date: Jan 2014 Location: Northern NJ iTrader: (0)	Went with Liberty Mutual. They offer a discount on BMW's as well as the OEM guarantee above. Hopefully, peace of mind for a small bump in price. THANKS ALL!
	Appreciate 0 Quote

02-10-2016, 08:33 PM	#24
Cuz5150 Major 224 Rep 1,489 Posts Drives: 06-M3ZHP/04-M3 Vert/02Duc998 Join Date: May 2008 Location: NJ iTrader: (0)	When you wanna be covert, one word------> AMICA! __________________ -Diplomacy is saying, "nice doggie while trying to find a rock"- 07-Z4 coupe-Black/Black/6MT/sport/premium/X 04-M3 vert-Black/Imolla/6MT/Cold/Xenon/HK/ 06-M3 Coupe-Mystic/Black/6MT/ZCP/Xenon/HK/ 09-135i- AW/Bk-Lette/6MT/M-pac/Nav/Hi-Fi/Usb-Ipod/SOLD
	Appreciate 0 Quote

02-11-2016, 08:05 PM	#26
oolas3 Captain 395 Rep 876 Posts Drives: BMW Join Date: May 2015 Location: United States iTrader: (0)	Some of you guys are happy because you never had to file a claim. I know 2 people that have had problems with separate insurance claims and it's with the big companies mentioned here. One of the guys had to file a complaint with the state before the insurance company paid him his full value. Some of these companies have shady practices. Check this out: http://www.badfaithinsurance.org/indexdetaillist.html I have Amica and they allowed me to replace my cracked windshield with OE BMW glass without any hesitation. I do pay an extra $30 a year for OE part coverage.
	Appreciate 0 Quote

02-12-2016, 10:51 AM	#27
black-box New Member 2 Rep 29 Posts Drives: 2013 X1 xD35 (1998 M3 RIP) Join Date: Aug 2015 Location: Chicagoland iTrader: (0)	Interesting that Allstate is #1 on that list for bad faith. I've had 2 encounters in my ~13 years with them, one for renter's insurance (got a check within a week) and one for a car accident (I was rear-ended, other driver claimed fault). Aside from my refusing the first offer to get a value I was happy with on my car (totaled), everything went pretty smoothly, I had my first check within a week of my acceptance of the 2nd offer, and I got my deductible back later. Perhaps they were just "easy" claims or they already feel they've gotten their money's worth out of me
	Appreciate 0 Quote

02-16-2016, 06:38 PM	#28
mike@Vossen 326 Rep 896 Posts Drives: BMW Join Date: Jan 2012 Location: Miami \| Atlanta iTrader: (0)	State Farm is higher but always been pleased with service and they have covered modified parts and value for them. Well that has been my experience.
	Appreciate 0 Quote

02-17-2016, 10:50 AM	#31
eflatminor Private 58 Rep 93 Posts Drives: 2016 228i Join Date: Feb 2016 Location: CA iTrader: (0)	All the carriers you mentioned are very similar in the coverage and service they provide, which is to say...about average. They're middle of the road carriers for mid net worth individuals. Fine, but not great. If you want the right to use any repair shop you like, a guarantee of OEM parts, broad/high limit cover and quick, hassle-free claims settlements, you'll want a high net worth carrier. It'll cost more, but that's the way it works. Possible carriers to check out: Chubb (now owned by ACE) Fireman's Fund (also owned by ACE) AIG Private Client Crestbrook (new carrier out of the Southwest) PURE Good luck
	Appreciate 1 Quote