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Medical Forum / Diseases and Disorders / Diabetes / January 2007Glad He didn't Ask
Bought a new truck. Just got back from switching the insurance from the old to the new truck and putting plates on the new truck. I thought for sure that the insurance rep was going to ask me if I had diabetes. Sure glad that he didn't ask. The annual premium went up a bunch - about 35%. Not happy about that fat increase. Damn insurance companies sure know how to jack up the premiums. Wonder how much diabetes would increase it further? > Bought a new truck. Just got back from switching the insurance from > the old to the new truck and putting plates on the new truck. I [quoted text clipped - 3 lines] > companies sure know how to jack up the premiums. Wonder how much > diabetes would increase it further? Probably not as much as it'll cost you if you need to make a claim and they discover your diabetes.  SignatureBeav VN 750 Zed 1000 OMF# 19 [Default] On Mon, 18 Dec 2006 21:37:49 GMT, "Beav" <beavis.original@ntlwoxorld.com> Giggled into the madness of usenet: >> Bought a new truck. Just got back from switching the insurance from >> the old to the new truck and putting plates on the new truck. I [quoted text clipped - 6 lines] >Probably not as much as it'll cost you if you need to make a claim and they >discover your diabetes. it wouldn't make a difference if had to make a claim and they learned of his diabetes. "UNLESS" the diabetes was a contributing factor. Simply being diabetic is not enough. If it wasn't a factor in causing the accident, it has bearing on the claim. SignatureMâck©® Deltec CoZmore Pumper Type 1 since 1975 http://www.alt-support-diabetes.org http://www.diabetic-talk.org http://www.insulin-pumpers.org http://www.pandora.com enter "Jason & Demarco" "To announce that there must be no criticism of the President, or that we are to stand by the President right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public." ...Theodore Roosevelt (o ô) --ooO-(_)-Ooo-------------------- "I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve." ....Bilbo Baggins DISCLAIMER If you find a posting or message from me offensive, inappropriate, or disruptive, please ignore it. If you don't know how to ignore a posting, complain to me and I will be only too happy to demonstrate... . [Default] On Mon, 18 Dec 2006 21:37:49 GMT, "Beav" <beavis.original@ntlwoxorld.com> Giggled into the madness of usenet: >> Bought a new truck. Just got back from switching the insurance from >> the old to the new truck and putting plates on the new truck. I [quoted text clipped - 6 lines] >Probably not as much as it'll cost you if you need to make a claim and they >discover your diabetes. it wouldn't make a difference if HE had to make a claim and they learned of his diabetes. "UNLESS" the diabetes was a contributing factor. Simply being diabetic is not enough. If it wasn't a factor in causing the accident, it has NO bearing on the claim. SignatureMâck©® Deltec CoZmore Pumper Type 1 since 1975 http://www.alt-support-diabetes.org http://www.diabetic-talk.org http://www.insulin-pumpers.org http://www.pandora.com enter "Jason & Demarco" "To announce that there must be no criticism of the President, or that we are to stand by the President right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public." ...Theodore Roosevelt (o ô) --ooO-(_)-Ooo-------------------- "I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve." ....Bilbo Baggins DISCLAIMER If you find a posting or message from me offensive, inappropriate, or disruptive, please ignore it. If you don't know how to ignore a posting, complain to me and I will be only too happy to demonstrate... . > [Default] On Mon, 18 Dec 2006 21:37:49 GMT, "Beav" > <beavis.original@ntlwoxorld.com> Giggled into the madness of usenet: [quoted text clipped - 13 lines] > it wouldn't make a difference if had to make a claim and they learned > of his diabetes. "UNLESS" the diabetes was a contributing factor. It would here in the UK. It comes under the heading of "not supplying material facts" or some such bollocks. Mind you, declaring diabetes desont impact on the cost or availability of insurance these days. It did 20 years ago when my first post dx quote came in 100% higher than my previous. > Simply being diabetic is not enough. If it wasn't a factor in causing > the accident, it has bearing on the claim. It's the not telling them bit they use as an "out". SignatureBeav VN 750 Zed 1000 OMF# 19 > Wonder how much > diabetes would increase it further? None of my premiums for anything went up. I'm hoping the annuity when I retire will assume a premature death and pay me lotsa money - but neither my car insurance nor my travel insurance turned a hair. Nicky. SignatureA1c 10.5/5.5/<6 T2 DX 05/2004 100ug Thyroxine 95/72/72Kg > Bought a new truck. Just got back from switching the insurance from > the old to the new truck and putting plates on the new truck. I [quoted text clipped - 3 lines] > companies sure know how to jack up the premiums. Wonder how much > diabetes would increase it further? Depends on the type of diabetes and how well controlled it is. I would think that insurance would not be that different. I would try other insurance companies. You have nothing to lose, except higher bills. Jeff Why would an auto insurance rep ask you about diabetes? I have never had a question like that from them. All they ever ask me is how many miles I drive per year, and if your truck is new, your premiums will go up. -- Cheri >> Bought a new truck. Just got back from switching the insurance from >> the old to the new truck and putting plates on the new truck. I [quoted text clipped - 12 lines] > >Jeff >Why would an auto insurance rep ask you about diabetes? I have never had >a question like that from them. All they ever ask me is how many miles I >drive per year, and if your truck is new, your premiums will go up. Don't some states ask that on when you renew your drivers license? Yes, when you renew your drivers license some states do, but I never heard of an automobile insurance agent asking health questions before insuring your automobile. -- Cheri Hi_Therre wrote in message ... >>Why would an auto insurance rep ask you about diabetes? I have never had >>a question like that from them. All they ever ask me is how many miles I >>drive per year, and if your truck is new, your premiums will go up. > >Don't some states ask that on when you renew your drivers license? >Yes, when you renew your drivers license some states do, but I never >heard of an automobile insurance agent asking health questions before >insuring your automobile. All it takes is one company to start, and you can bet, *all* other insurance companies will follow. I was quite apprehensive to enter the agents office yesterday. Damn insurance is sky high already. [Default] On Tue, 19 Dec 2006 09:28:54 -0600, Hi_Therre <Bruce_The_KnotHead@Rosebud.com> Giggled into the madness of usenet: >>Yes, when you renew your drivers license some states do, but I never >>heard of an automobile insurance agent asking health questions before [quoted text clipped - 3 lines] >insurance companies will follow. I was quite apprehensive to enter >the agents office yesterday. Damn insurance is sky high already. That would require state law to allow it. SignatureMâck©® Deltec CoZmore Pumper Type 1 since 1975 http://www.alt-support-diabetes.org http://www.diabetic-talk.org http://www.insulin-pumpers.org http://www.pandora.com enter "Jason & Demarco" "To announce that there must be no criticism of the President, or that we are to stand by the President right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public." ...Theodore Roosevelt (o ô) --ooO-(_)-Ooo-------------------- "I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve." ....Bilbo Baggins DISCLAIMER If you find a posting or message from me offensive, inappropriate, or disruptive, please ignore it. If you don't know how to ignore a posting, complain to me and I will be only too happy to demonstrate... . > All it takes is one company to start, and you can bet, *all* other > insurance companies will follow. I was quite apprehensive to enter > the agents office yesterday. Damn insurance is sky high already. Our insurance went up a hundred dollars a year when we _removed_ one vehicle. The _alleged_ reason was our credit rating. It's hard not to suspect that the real reason was the accident that made us remove the totalled vehicle, even though it was not charged against my driving record (which would make it illegal to base policy changes on it). SignatureWes Groleau Heroes, Heritage, and History http://freepages.genealogy.rootsweb.com/~wgroleau/ [Default] On Wed, 20 Dec 2006 02:02:55 GMT, Wes Groleau <groleau+news@freeshell.org> Giggled into the madness of usenet: >> All it takes is one company to start, and you can bet, *all* other >> insurance companies will follow. I was quite apprehensive to enter [quoted text clipped - 7 lines] >against my driving record (which would make it illegal >to base policy changes on it). it could very well have been your credit rating. Insurance companies have lobbied and gotten laws passed making it legal to raise your rates based on poor credit scoring. The lower your credit score the higher your rates. Although your credit rating has no bearing on your ability to drive safely. SignatureMâck©® Deltec CoZmore Pumper Type 1 since 1975 http://www.alt-support-diabetes.org http://www.diabetic-talk.org http://www.insulin-pumpers.org http://www.pandora.com enter "Jason & Demarco" "To announce that there must be no criticism of the President, or that we are to stand by the President right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public." ...Theodore Roosevelt (o ô) --ooO-(_)-Ooo-------------------- "I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve." ....Bilbo Baggins DISCLAIMER If you find a posting or message from me offensive, inappropriate, or disruptive, please ignore it. If you don't know how to ignore a posting, complain to me and I will be only too happy to demonstrate... . >[Default] On Wed, 20 Dec 2006 02:02:55 GMT, Wes Groleau ><groleau+news@freeshell.org> Giggled into the madness of usenet: [quoted text clipped - 16 lines] >higher your rates. Although your credit rating has no bearing on your >ability to drive safely. You sure about that? Credit card companies jack up the cc rates for a bad credit score or a late payment of any sort. But, I'm unaware that insurance companies can do the same. I know of people with just horrible credit ratings, and their auto insurance rate is lower than ours. And, we have a perfect credit rating and driving record. A family member living in California paid lower rates than we do a few years ago. Go figure. [Default] On Wed, 20 Dec 2006 04:59:39 -0600, Hi_Therre <Bruce_The_KnotHead@Rosebud.com> Giggled into the madness of usenet: >>it could very well have been your credit rating. Insurance companies >>have lobbied and gotten laws passed making it legal to raise your [quoted text clipped - 9 lines] >family member living in California paid lower rates than we do a few >years ago. Go figure. http://www.progressivedirect.com/insider/credit.asp http://www.iii.org/media/hottopics/insurance/creditscoring/ http://www.ext.colostate.edu/PUBS/COLUMNYM/ym423.html just a few that came up when googling "auto insurance credit rating" SignatureMâck©® Deltec CoZmore Pumper Type 1 since 1975 http://www.alt-support-diabetes.org http://www.diabetic-talk.org http://www.insulin-pumpers.org http://www.pandora.com enter "Jason & Demarco" "To announce that there must be no criticism of the President, or that we are to stand by the President right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public." ...Theodore Roosevelt (o ô) --ooO-(_)-Ooo-------------------- "I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve." ....Bilbo Baggins DISCLAIMER If you find a posting or message from me offensive, inappropriate, or disruptive, please ignore it. If you don't know how to ignore a posting, complain to me and I will be only too happy to demonstrate... . >[Default] On Wed, 20 Dec 2006 04:59:39 -0600, Hi_Therre ><Bruce_The_KnotHead@Rosebud.com> Giggled into the madness of usenet: [quoted text clipped - 20 lines] > >just a few that came up when googling "auto insurance credit rating" Never knew that. Maybe the newly elected Democrat Congress will push legislation to stop such predatory and abusive bullshit. _____________________________________ http://www.healthdiabeticsoftware.com/ Free >>[Default] On Wed, 20 Dec 2006 04:59:39 -0600, Hi_Therre >><Bruce_The_KnotHead@Rosebud.com> Giggled into the madness of usenet: [quoted text clipped - 23 lines] >Never knew that. Maybe the newly elected Democrat Congress will push >legislation to stop such predatory and abusive bullshit. I highly doubt that. -- BlueBrooke T2/D&E/June 2005 The things that come to those who wait will be the things left by those who got there first. Yeah, really. I highly doubt it too. :-) -- Cheri BlueBrooke <.@.> wrote in message ... >>Never knew that. Maybe the newly elected Democrat Congress will push >>legislation to stop such predatory and abusive bullshit. [quoted text clipped - 4 lines] >BlueBrooke >T2/D&E/June 2005 >>[Default] On Wed, 20 Dec 2006 02:02:55 GMT, Wes Groleau >><groleau+news@freeshell.org> Giggled into the madness of usenet: [quoted text clipped - 24 lines] > family member living in California paid lower rates than we do a few > years ago. Go figure. They just f.cking hate you:-) SignatureBeav VN 750 Zed 1000 OMF# 19 Hi_Therre wrote in message ... >>Why would an auto insurance rep ask you about diabetes? I have never had >>a question like that from them. All they ever ask me is how many miles I >>drive per year, and if your truck is new, your premiums will go up. > >Don't some states ask that on when you renew your drivers license? The question I've seen bundles uncontrolled T1, uncontrolled epilepsy, uncontrolled narcolepsy and maybe some other conditions. They want to know if you have lost consciousness or the like (incapacitation) such that you needed assistance from others within the last 6 months. Regards Old Al >Hi_Therre wrote in message ... >> [quoted text clipped - 8 lines] >if you have lost consciousness or the like (incapacitation) such that you >needed assistance from others within the last 6 months. You can bet I got my butt out of the govt office the moment I registered and got the plates for the truck. Every time I put plates on the truck or pay the insurance premium, I always think, the bastards will ask me if I have diabetes. Wish I didn't have this blanking disease. [Default] On Mon, 18 Dec 2006 16:58:16 -0600, Hi_Therre <Bruce_The_KnotHead@Rosebud.com> Giggled into the madness of usenet: >>Why would an auto insurance rep ask you about diabetes? I have never had >>a question like that from them. All they ever ask me is how many miles I >>drive per year, and if your truck is new, your premiums will go up. > >Don't some states ask that on when you renew your drivers license? Insurance and DMV are not the same entities, regs or laws. SignatureMâck©® Deltec CoZmore Pumper Type 1 since 1975 http://www.alt-support-diabetes.org http://www.diabetic-talk.org http://www.insulin-pumpers.org http://www.pandora.com enter "Jason & Demarco" "To announce that there must be no criticism of the President, or that we are to stand by the President right or wrong, is not only unpatriotic and servile, but is morally treasonable to the American public." ...Theodore Roosevelt (o ô) --ooO-(_)-Ooo-------------------- "I don't know half of you half as well as I should like; and I like less than half of you half as well as you deserve." ....Bilbo Baggins DISCLAIMER If you find a posting or message from me offensive, inappropriate, or disruptive, please ignore it. If you don't know how to ignore a posting, complain to me and I will be only too happy to demonstrate... . In alt.support.diabetes on Mon, 18 Dec 2006 14:40:32 -0800 in Msg.# <y6ednRKthYUrhRrYnZ2dnUVZ_segnZ2d@inreach.com>, "Cheri" <gserviceatinreachdotcom> wrote: > Why would an auto insurance rep ask you about diabetes? I have never had > a question like that from them. All they ever ask me is how many miles I > drive per year, and if your truck is new, your premiums will go up. Indeed, that's what I was wondering. Although tickets, accidents, points off your license, etc. can cause a change in rates, as well as the kind of 'rating' your overall state or region has & if it changes. SignatureDonnaB : ^> shallotpeel <*> Yahoo Messenger: shallotpeel >In alt.support.diabetes on Mon, 18 Dec 2006 14:40:32 -0800 in Msg.# ><y6ednRKthYUrhRrYnZ2dnUVZ_segnZ2d@inreach.com>, "Cheri" [quoted text clipped - 7 lines] >your license, etc. can cause a change in rates, as well as the kind of >'rating' your overall state or region has & if it changes. Call it paranoia. In alt.support.diabetes on Tue, 19 Dec 2006 09:28:26 -0600 in Msg.# <n81go2t2aqkggvs8as71f4ecn94afml3kj@4ax.com>, Hi_Therre <Bruce_The_KnotHead@Rosebud.com> wrote: > >In alt.support.diabetes on Mon, 18 Dec 2006 14:40:32 -0800 in Msg.# > ><y6ednRKthYUrhRrYnZ2dnUVZ_segnZ2d@inreach.com>, "Cheri" [quoted text clipped - 9 lines] > > Call it paranoia. Kewl. I can relate. SignatureStill catching up from the holidays, ... DonnaB : ^> <*> 06-07-06 Diagnosis T2 hbA1C 8.1, D&E & Metformin 500mg. 09-11-06 hbA1C 5.0 |
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