Quote:
Originally Posted by pickwithaustin
I'm having a weird thing with my car insurance company. I have 12 cars, I work out of my home and my wife works 1 block away from our home. We don't travel very much - I run to the bank and post office every day (maybe 2 miles) and we do groceries and sometimes put maybe 25-30 miles on one of the cars on a Saturday.
So, I have provided very low miles driven for each car on my policy. I'm sure it affects my insurance cost.
Today, I get a letter from them demanding me explain why I am not averaging 12,000 miles per year, per car, like the rest of the world's drivers. Can't they count? 8 of the cars I have are on that same policy with them, so while they may not know about my others (which I have on classic/antique insurance), surely they can count the 8 (not to mention also a motorcycle).
Now I have to spend the hot afternoon going from car to car to write down the current odometer reading for them and I have to write an exception explanation for each of the cars for them.
I tried calling to explain, but the guy on the phone said three times, "Why do you have so many cars?"
None of his freaking business. 
By their "estimations," I should be driving almost 150,000 miles per year (total) while working from my home and with all the stores and businesses that we frequent each being within a 2-3 mile radius. Oy vey. |
I would understand them having questions if you had eight cars, and all of them were averaging 12K per year... not impossible, but it would be difficult to do, and it would certainly give the appearance that you were sharing your car with lots of people not listed on your policy. THAT might even be a legitimate excuse to ask why you have so many cars... maybe. Still an intrusive question, but would be a line of questioning in trying to get you to trip up and accidentally reveal that you are sharing your cars with a half- dozen homeless people who routinely drive drunk.
But having exceedingly LOW annual mileage reported should be an insurance agent's wet dream... you are paying them to insure cars that never get driven! You'd think that the agent would be giggling uncontrollably over what a jackpot policy he had written, one that rakes in cash every six months, and will almost certainly never have a claim against it.
Sounds like your agent just has a real bad case of dumb... to question a cash cow doesn't seem smart.