Thursday, August 25, 2005

You're Not Chinese??? and Insurance Games People Play

These are the words that prospective neighbors of ours said to my wife when she answered the door. Not "hello", not "Hi, We're looking at buying the house next door", just "You're Not Chinese!" The ladies apparently looked at the owner's name and just assumed.

My wife and I went out tonight with a friend she has made at her work and her boyfriend. The couple was very nice and we went to Carrabba's for dinner (this is heartily recommended if you have one in the area). Other than going to boss's house one night, this was our second social visit we've had since we've been down here.

So, information about insurance, not that anyone cares about this but me. I've had a certain company all my life. Lets just say their name rhymes with "Hate Farm". Its been a good run since I've had their insurance since I started driving. Well, we move here and they tell us due to speeding tickets we've had we're going to increase your premiums by 50%. We need insurance though, so looked at the tickets at I had one on there that was dated 3/2000, which is like 5 and half years ago! They are only supposed to take tickets 3 years or newer and all the older ones are not looked at. I was in freaking college in 2000 and not even dating my wife, whom we are celebrating our 3 year anniversary next month.

What were you doing in March of 2000? I mean, c'mon! The reason it showed up was the conviction date was 7/2003, so it still barely was on the record and will continue to be there until 7/2006. This is because it was an out of state ticket that I could not find information on where to pay it since I had lost it and finally tracked it down after 3 years. So, I called the Illinois DMV. No help of course. Called the state of Missouri (where the ticket was from) - they can't change anything, but suggested calling the court where I got the ticket. Of course, I have no idea what court it was and asked for the number.

They give me a wrong number.

So after doing a long internet search I eventually found a number that I knew would be wrong but could direct me to the right place. After explaining my situation to 3 people, I eventually got to someone that could talk with me. Their answer was - we can't change sealed files without an attorney - and that probably wouldn't help anyways since you didn't really plead guilty until you paid it in 7/03. GREAT

So I call back the insurance company and get the real scoop. Apparently the state of North Carolina changes taxes on insurance and you get penalized and have to pay additional taxes for insurance if you have any points on your license EVEN FOR TICKETS IN OTHER STATES. So basically, if you get pulled over anywhere and get a ticket for any reason, North Carolina is getting a cut. And it makes me want to hold out on getting our plates registered for our cars to give them as little money as possible.

It makes you think twice about how much that fine is really and makes me willing to hire a lawyer to dispute any ticket and go to court for all of them.

End up, I ask how much different I'm paying for having this ticket and the insurance company said about $80 every six months. Its not that big of a deal but it will happen 3 times total when it really shouldn't.

The good news is at least this insurance period their paperwork is all out of whack and they don't appear to be charging us for having any tickets.

Haha. I wasn't about to correct them.

"Hate Farm" - I'll see you again for another face off in 6 months.

1 comment:

belle said...

That sucks about your tickets. I guess $80 every 6 months isn't that bad, well at least it could be worse. I have a bad ticket experience that I might post, but it makes me very angry so we'll see.
On a good note I absolutely agree that Carraba's is awesome! Let's put that on the list of places to go when we come visit!