[BMWCSRegistry] Re: Coupe Insurance Information

[Michael Thompson]

My 325iS has been rear ended twice. The body shop in the local BMW 
dealer is an Allstate Pro Shop so I just dropped it off there. 
Nothing to do on my part. They called every few days to give me an 
update on the repairs. I was happy with the quality of the work and 
they guarantee the repairs for 10 years. My wife's wagon got rear 
ended so hard it looked like a sedan. The other drive had no 
insurance even though it is required. (No ticket was issued to the 
other driver, but that is another story.) The first value that they 
put on the car was very low, but I think that is normal procedure for 
any insurance company. We negotiated a fair value and had a check 
within a week.

We also get a discount because the house and cars are all with 
Allstate. I have been happy with them so far, but we haven't had a 
tornado go through our neighborhood either.

At 02:11 PM 3/20/2007, Art Wegweiser wrote:
>  Michael,
>Read the fine print and then read it again. Over time I have heard a 
>number of unpleasant tales about Allstate (and other) insurance. 
>They are not usually rated very high in their industry.
>(If they are still part of Sears, however, Craftsman tools do live 
>up to their claims).
>
>Anybody have a real life experience making an insurance claim to this outfit?
>Call me paranoid, but if you have seen their commercials claiming to 
>reduce your premium under certain circumstances, I am suspicious -it 
>is not quite specified what that charming young man on TV is selling 
>or what the ubiquitous fine print says even if plain English.
>
>Garaged and with a 7500 mile limit are the only restrictions in 
>their policy?  7500 is sort of reasonably substantial if you live 
>where, as I do, the months of Coupe driving are limited to about  5 
>or 6 but In SoCal and such that could probably be eaten up rather quickly.
>
>And many of us know that Coupe odometers often give up after many 
>years. How then can you document, and will Allstate accept, your 
>mileage statements or give you the New Orleans treatment?
>
>Art
>
>At 2:55 PM -0400 3/18/07, Michael Thompson wrote:
>>I negotiated a low rate with Allstate with the restriction that it 
>>is garaged and I limit the miles per year to 7,500. In RI if you 
>>have more than one car insured in your name then you have to pick 
>>one as your daily driver. The other is a "pleasure vehicle" and 
>>gets a discount.
>
>--
>
>
>