I just tried to get insured and got denied because of too many claims (5 total, 4 were theft/vandalism for my 2021 Kia). I’m not even trying to insure the Kia anymore since I don’t have it, but it’s still being used against me. What am I supposed to do? That car literally ruined my life, and getting rid of it didn’t solve my problems.
Try going to a local insurance shop. They might be able to help.
TurboSoulMate said:
Try going to a local insurance shop. They might be able to help.
I think that’s what I’ll end up doing. I just hope I still get a good deal.
So, four crimes of theft and vandalism didn’t ruin your life, but the car did? Really?
Magdalina said:
So, four crimes of theft and vandalism didn’t ruin your life, but the car did? Really?
The car definitely played a big role in it. I spent a ton of money trying to protect it with dashcams, trackers, and stickers. Then, my Christmas gifts were stolen (car got taken an hour after I got home). I lost work shifts, spent money on Ubers, and gave gas money to coworkers. I had to pay $1,000 deductibles each time, $280 for broken windows, and over $600 in personal items that were stolen. I blame the car because it should have been built better or fixed sooner. I also blame the kids who stole it, the salesman who didn’t warn me, and myself for not doing more research. Jesus might not have wept, but I did.
Magdalina said:
So, four crimes of theft and vandalism didn’t ruin your life, but the car did? Really?
The car definitely played a big role in it. I spent a ton of money trying to protect it with dashcams, trackers, and stickers. Then, my Christmas gifts were stolen (car got taken an hour after I got home). I lost work shifts, spent money on Ubers, and gave gas money to coworkers. I had to pay $1,000 deductibles each time, $280 for broken windows, and over $600 in personal items that were stolen. I blame the car because it should have been built better or fixed sooner. I also blame the kids who stole it, the salesman who didn’t warn me, and myself for not doing more research. Jesus might not have wept, but I did.
Don’t forget to blame TikTok for spreading the info.
Have you tried GEICO?
Harper said:
Have you tried GEICO?
GEICO, Progressive, and State Farm all quoted me over $600 a month. I’m still waiting to hear back from AAA and Liberty Mutual.
Harper said:
Have you tried GEICO?
GEICO, Progressive, and State Farm all quoted me over $600 a month. I’m still waiting to hear back from AAA and Liberty Mutual.
That’s crazy!
Harper said:
Have you tried GEICO?
GEICO, Progressive, and State Farm all quoted me over $600 a month. I’m still waiting to hear back from AAA and Liberty Mutual.
Do you have a bad driving record?
Miles said:
Harper said:
Have you tried GEICO?
GEICO, Progressive, and State Farm all quoted me over $600 a month. I’m still waiting to hear back from AAA and Liberty Mutual.
Do you have a bad driving record?
Nope, all the claims were because of the Kia.
Miles said:
Harper said:
Miles said:
Harper said:
Have you tried GEICO?
GEICO, Progressive, and State Farm all quoted me over $600 a month. I’m still waiting to hear back from AAA and Liberty Mutual.
Do you have a bad driving record?
Nope, all the claims were because of the Kia.
Wow! You might have a case for the lemon law.
I’ll look into it and see if there’s anything I can do.
I feel you. They wanted over $500 a month to insure my car. Glad I got rid of it.
Off-topic, but insurance companies like to see continuous insurance history. Switching cars is fine, but if there’s a gap, they might dig into your record.
If you’ve had claims, it’s better to stick with the same company for a few years. Only switch if you’re still insured—no gaps.
KIADOC said:
Off-topic, but insurance companies like to see continuous insurance history. Switching cars is fine, but if there’s a gap, they might dig into your record.
If you’ve had claims, it’s better to stick with the same company for a few years. Only switch if you’re still insured—no gaps.
That’s what happened with AAA. I missed a payment because my car got broken into, and I had to lock my card. By the time I noticed, I was two days late, and they canceled my insurance. Now they want me to pay over $3,000 to get it back, and I can’t afford that.
KIADOC said:
Off-topic, but insurance companies like to see continuous insurance history. Switching cars is fine, but if there’s a gap, they might dig into your record.
If you’ve had claims, it’s better to stick with the same company for a few years. Only switch if you’re still insured—no gaps.
That’s what happened with AAA. I missed a payment because my car got broken into, and I had to lock my card. By the time I noticed, I was two days late, and they canceled my insurance. Now they want me to pay over $3,000 to get it back, and I can’t afford that.
That makes sense. Missing a payment is a breach of contract, which gives them a reason to renegotiate or treat you like a new customer. Hopefully, this helps others avoid similar issues, but the Kia break-ins definitely didn’t help your case.
Miles said:
KIADOC said:
Off-topic, but insurance companies like to see continuous insurance history. Switching cars is fine, but if there’s a gap, they might dig into your record.
If you’ve had claims, it’s better to stick with the same company for a few years. Only switch if you’re still insured—no gaps.
That’s what happened with AAA. I missed a payment because my car got broken into, and I had to lock my card. By the time I noticed, I was two days late, and they canceled my insurance. Now they want me to pay over $3,000 to get it back, and I can’t afford that.
That makes sense. Missing a payment is a breach of contract, which gives them a reason to renegotiate or treat you like a new customer. Hopefully, this helps others avoid similar issues, but the Kia break-ins definitely didn’t help your case.
Yeah, I learned the hard way. I was getting such a good deal, too. That’s what hurts the most.
Miles said:
I just tried to get insured and got denied because of too many claims (5 total, 4 were theft/vandalism for my 2021 Kia). I’m not even trying to insure the Kia anymore since I don’t have it, but it’s still being used against me. What am I supposed to do? That car literally ruined my life, and getting rid of it didn’t solve my problems.
After the second theft or vandalism, I would’ve moved, garaged it, or sold it.
Miles said:
I just tried to get insured and got denied because of too many claims (5 total, 4 were theft/vandalism for my 2021 Kia). I’m not even trying to insure the Kia anymore since I don’t have it, but it’s still being used against me. What am I supposed to do? That car literally ruined my life, and getting rid of it didn’t solve my problems.
After the second theft or vandalism, I would’ve moved, garaged it, or sold it.
I tried. I really did, but at the time, I couldn’t get another car or sell it. So, I just had to deal with it.
Miles said:
I just tried to get insured and got denied because of too many claims (5 total, 4 were theft/vandalism for my 2021 Kia). I’m not even trying to insure the Kia anymore since I don’t have it, but it’s still being used against me. What am I supposed to do? That car literally ruined my life, and getting rid of it didn’t solve my problems.
After the second theft or vandalism, I would’ve moved, garaged it, or sold it.
Not everyone has the money or property to do that. If my car was getting stolen, I’d just have to hope it didn’t happen again. I use a club on my steering wheel, even though they can’t steal my car because of the immobilizer. It’s just to keep them from breaking the windows or damaging the steering column.