Spare Tire...GONE

TimmyG · June 8, 2014

Nice, didnt see the bed cover, but was worth saying in case anyone else was thinking about it

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timstruck · June 9, 2014

Hey guilty, is it 216 for the winch assembly or tire and wheel? Too much trouble for the jackass to let it down, he hate cut the cable

Thanks!

Guilty · June 10, 2014

Hey guilty, is it 216 for the winch assembly or tire and wheel? Too much trouble for the jackass to let it down, he hate cut the cable

Thanks!

Sorry, for the winch assembly. Part # 20870067 - I just looked it up on gmpartsdirect.com and they have it for $136.

Rewillia · June 21, 2014

not worthy of an insurance claim, counts against you and eventually will drive your ins. cost up. i would just buy another rim/time and this time get that matching what you have mounted now vs the OEM temp wheel and tire. Then, take the precautions needed in terms of secondary security if you feel it could happen again..

chances are you were not the only one to lose a spare that day at the swap meet.

bass mechanic · June 22, 2014

not worthy of an insurance claim, counts against you and eventually will drive your ins. cost up. i would just buy another rim/time and this time get that matching what you have mounted now vs the OEM temp wheel and tire. Then, take the precautions needed in terms of secondary security if you feel it could happen again..

chances are you were not the only one to lose a spare that day at the swap meet.

Actually your rates won't go up because of a comprehensive claim like theft, rates go up because of the at fault accidents you have and the tickets you get.

Because both are a direct result of you being a crappy driver.

Theft just happens and has nothing to do with what kind of driver you are. So the rates for comprehensive coverage are already adjusted for that risk.

Insurance is all about cost verses risk, the more of a risk, the more premium you pay! Simple as that!

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Rewillia · June 22, 2014

misnomer, all claims are reported by insurance companies to the Comprehensive Loss Underwriting Exchange (CLUE) and (whether your agent tells you or not) are tracked (regardless of the type as long as a loss was paid out) and considered by underwriters when reviewing consumer's rates or quoting policies coverage.

In fact, I'm 59 and only learned about CLUE 2 years ago when Geico came at me for a rate hike and I shopped around where an Allstate agent shared with me the CLUE report he'd pulled on me. It (Clue report) had both my 29 y/o son's claim as well as others that were not mine on my report (think credit history, or judgements/liens, etc that are not your's ). When I contacted CLUE they advised me that as the consumer it was my responsibility to go to each insurance company (3 of which were not mine) and request that they remove the claims from my insurance history. I did so, but had to write each underwriter and request that the claims be removed by them from my CLUE report.

http://www.insurance.wa.gov/your-insurance/tips/clue.html

Lesson learned - be sure to know what your claim history is - consumers can do so by writing to CLUE and requesting statements. CLUE provides a form that consumers must fill out and mail in to get their claim history.

So with the above, my advice remains the same in that i would not file a claim for a lost spare tire and just replace it out of pocket. thats only my opinion though.

bass mechanic · July 2, 2014

misnomer, all claims are reported by insurance companies to the Comprehensive Loss Underwriting Exchange (CLUE) and (whether your agent tells you or not) are tracked (regardless of the type as long as a loss was paid out) and considered by underwriters when reviewing consumer's rates or quoting policies coverage.

In fact, I'm 59 and only learned about CLUE 2 years ago when Geico came at me for a rate hike and I shopped around where an Allstate agent shared with me the CLUE report he'd pulled on me. It (Clue report) had both my 29 y/o son's claim as well as others that were not mine on my report (think credit history, or judgements/liens, etc that are not your's ). When I contacted CLUE they advised me that as the consumer it was my responsibility to go to each insurance company (3 of which were not mine) and request that they remove the claims from my insurance history. I did so, but had to write each underwriter and request that the claims be removed by them from my CLUE report.

http://www.insurance.wa.gov/your-insurance/tips/clue.html

Lesson learned - be sure to know what your claim history is - consumers can do so by writing to CLUE and requesting statements. CLUE provides a form that consumers must fill out and mail in to get their claim history.

So with the above, my advice remains the same in that i would not file a claim for a lost spare tire and just replace it out of pocket. thats only my opinion though.

FYI the clue report shows the name if the driver and wether or not they were at fault. If Allstate pins the claims that have nothing to do with you, on you then that's their own stupidity.

Our system allows me to dismiss any claims that do not actually belong to my insured.

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Rewillia · July 2, 2014

My suggestion, is only that driver's know what is on their CLUE report and in as much be the wiser consumer when shopping for insurance rates.

They can do that by requesting a copy of their Clue report beforehand. In my case, an unsolicited periodic rate review was conducted by my underwriter wherein the results prompted them to adjust my rate upward. When I question it, I was not given a direct answer from that underwriter and as a result went comparison shopping which led me to be given the results of my Clue report by a competing agency. Only then did I contact Clue, get a report for both my wife and I, then contest the wrongful entries that had been assigned to our claims history. Before this all happened, I did not have a Clue how various insurance companies track claims histories on drivers.

I also gather from your (bass mechanic's) reply that your an agent. If that is correct would you agree that any instance where a claim is paid by an underwriter is reported....such as a claim for a spare tire theft and replacement, a cracked windshield replacement, or similar "no-fault" type scenario? Hence, my suggestion to the OP that he'd be better off just "biting the bullet" and purchasing his replacement spare outright than to claim it on his insurance, particularly when the delta between his deductible and the cost of the replacement is small in comparison to the longer term cost of a claim history.

Bottom line - I only suggest that consumers have a right to obtain their claims history reports from CLUE and be the wiser consumer.

FYI the clue report shows the name if the driver and wether or not they were at fault. If Allstate pins the claims that have nothing to do with you, on you then that's their own stupidity.
Our system allows me to dismiss any claims that do not actually belong to my insured.

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chuckwi11 · July 2, 2014

Can you send a "clue" to a friend that desperately needs one?

In all seriousness... good info. Another thing to look at is a service like Credit Karma where they give you not only your credit score but also your insurance score. Not only does your driving/claim history effect your insurance cost but your credit rating does as well.

bass mechanic · July 2, 2014

My suggestion, is only that driver's know what is on their CLUE report and in as much be the wiser consumer when shopping for insurance rates.

They can do that by requesting a copy of their Clue report beforehand. In my case, an unsolicited periodic rate review was conducted by my underwriter wherein the results prompted them to adjust my rate upward. When I question it, I was not given a direct answer from that underwriter and as a result went comparison shopping which led me to be given the results of my Clue report by a competing agency. Only then did I contact Clue, get a report for both my wife and I, then contest the wrongful entries that had been assigned to our claims history. Before this all happened, I did not have a Clue how various insurance companies track claims histories on drivers.

I also gather from your (bass mechanic's) reply that your an agent. If that is correct would you agree that any instance where a claim is paid by an underwriter is reported....such as a claim for a spare tire theft and replacement, a cracked windshield replacement, or similar "no-fault" type scenario? Hence, my suggestion to the OP that he'd be better off just "biting the bullet" and purchasing his replacement spare outright than to claim it on his insurance, particularly when the delta between his deductible and the cost of the replacement is small in comparison to the longer term cost of a claim history.

Bottom line - I only suggest that consumers have a right to obtain their claims history reports from CLUE and be the wiser consumer.

yes i am, for the past 11 years and although your information is mostly correct, your blowing this way out of proportion.

the CLUE report has been around for a long time. and while it will show any incidents reported by insurance, not all of them are bad.

the bottom line is like credit, claims activity is a valuable tool to an insurance company because the better they know the risk, the more accurately they can put a price or premium on it.

wouldn't you agree that it would not be fair to pay the same price as someone who continually files claims for bad driving behavior? i guess that question will get a different reply based on your actual driving history. in other words if you have had several claims, you might think its unfair that you get charged more. however the same argument can be made for someone who feels they pay a lot but have no claims.

there is a reason why there are 2 different types of property damage coverage. comprehensive and collision the comprehensive is for anything other than an accident and those types of claims will not affect your rate (or shouldn't) because underwriters have already figured out what the odds are of a particular vehicle being broken onto, stolen, and the cost to repair and LIFE scenarios such as hail, flooding things like that..

those figures are fairly constant and can vary by state based on weather patterns and crime history in any location.

collision on the other hand is a totally different ballgame. speaking of ONLY AT FAULT accidents this type of claim is 100% avoidable because it deals directly with your driving habits and your ability to follow the rules of the road and be a considerate driver. it is a direct indicator of your risk as a driver and the potential damage you might cause. followed closely behind is your driving record, as in the number of tickets, the violations and how frequently is another huge factor in how good or bad of a driver you are.

these items will directly impact the cost of your liability, property damage and collision portion of your auto insurance policy.

if you look closely at your declarations page each coverage item mentioned usually has a cost breakdown next to each one.

you will find for a teenager their liability, property damage, collision and if you carry it medical payment or PIP coverage will be higher than that of an adult.

in contrast the comprehensive and uninsured / underinsured motorist premiums stay the same because no matter how old you are or how good of a driver you might be your odds of getting hit by an uninsured motorist are the same (except very by state) and your comprehensive will be only affected by the actual cash value of the vehicle and where you live.

bottom line is ALL insurance no matter the type is all priced on COST verses RISK the higher the risk, the more you'll pay!

so getting back to your original question. if you pose a higher risk, you'll pay more and the ONLY 3 areas that will affect that rate are your accident data from CLUE your motor vehicle report (tickets) and your credit.

and about the tire, if your smart you wouldn't have a deductible below 500 and i am pretty sure he can replace everything that was stolen or damaged for less than that, so if its less than 500 i don't see that he has a claim to file anyway!

before you ask, why credit? ill tell you there is irrefutable evidence that shows a distinct pattern of people who have bad credit tend to file more claims and have more accidents than people with good credit.

why is this? i suspect if you look at a group of individuals with bad credit what can we say about them as a general statement? of course this will not apply to everyone exactly but it is fair to say people who don't follow the rules, can't manage their spending or live irresponsibly usually have bad credit.

they are the same individuals who either don't like to follow the rules of the road, also have less respect for authority, and in some cases if faced with a financial problem do sometimes commit insurance fraud to gain a profit.

think about it.. someone who got into a new car payment, lost their job and are upside down on their loan, might just happen to report their car stolen, or mysteriously it caught fire, was vandalized or maybe was involved in an accident that resulted in bodily injury and are now claiming pain and suffering with mental anguish, hired an attorney and got a settlement.

verses people with good credit for the most part would never even conceive of such stupid acts!

i can tell you from 11 years of experience and over 5000 policies i manage there is a definite pattern as well from people who have bad credit also get more tickets!

so as an insurance company is writing your new policy they have a right to know what kind of risk they are taking on. the fact they do their homework makes YOUR rate lower because without the data they have now they would have to share the risk among all drivers and overall have higher rates to offset the losses (or risks they can't see coming)

however the only state i am aware of whose department of insurance regulations will not allow the use of credit is California. every other state to my knowledge uses it. consequently, CA has some of the higher rates of most other states also.

so if you have activity on your CLUE report that negatively affected your rates but the claims were NOT AT FAULT you need to seek another carrier! but the fact is if you had claims and your rates went up, you get pissed at your present company they are just simply following the terms and conditions of their own contract! in fact if they didn't charge you for the violations or tickets they would actually be fined tens of thousands of dollars by the department of insurance if they ever got audited and it was discovered they did not charge someone appropriately. (which is more common than you might think)

so you get miffed at your company and switch companies, thats where CLUE comes in. in some cases based on credit and claims activity i cannot insure people AT ALL! based on their activity.

but assume the risk is acceptable and i write the business, they will pay more money until the claims or tickets are 3 years old (5 years for major violations reckless driving and DUI)

they may more and rightfully so! (sorry no sympathy here)

for the same reasons you get charged more for not having had prior insurance (thats a whole different discussion)

i hope this helped clear up a few things.

and since your on the subject, i highly recommend you google "top 10 worst insurance companies"

you mentioned 1 of them earlier and i strongly encourage you look up the report published by the american association for justice with that search.

there is a reason why those companies got on the list, and a resin why its been online for several years. trust me insurance companies who are on the list have complained but the reason they couldn't do anything about getting their names off of it is because all the information they speak about is factual and public record.

so if you get burned by one of them, don't say i didn't warn you!

the way i see it, it doesn't make any difference how much money you paid or didn't pay, if the insurance company doesn't pay ALL OF YOUR CLAIM you might as well have been better off paying nothing at all.