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brtlmj

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Posts posted by brtlmj

  1. The weird thing is, I received the approval letter already on Feb. 14, Aren't they supposed to email me that they ordered the card?

    Unfortunately, there is nothing weird about it. Their online system is not exactly reliable and it is not uncommon for email notifications to be delayed for several weeks.

    Here is a little story from my AOS days. I received an interview appointment. A few weeks afterwards I received another notice, canceling the appointment. Then, another interview appointment. Approximately a week before the second appointment, I received an email, canceling the interview. It took me a couple of days to realize that the email was about my first interview, and was simply delayed by a month or so! Had I believed the email, my application would have been considered abandoned and I would have been in deep trouble.

  2. Don't take it personally. It is underwriting. For my first year back, insurance companies kept saying my credit was a negative factor. I have no idea what that meant because my score from all three bureaus was in the mid 700s when I came back.

    They look at a different score. It is based on the same data as the "usual" credit score (i.e. your credit history), but is calculated differently.

  3. Foreign drivers are not higher risk, because anyone who really understands driving knows that driving is the same wherever you drive. It isn't about what side of the road you drive on or what the road signs mean.

    Having driven in a couple of countries, both on the right and the wrong ;) side of the road, I respectfully disagree. It takes a couple of weeks just to get your most basic reflexes right - and that is just the beginning.

    And I stand by everything I wrote before - even though I dislike paying the high premiums. Driver's insurance is a big, well understood market, with a lot of competition. The insurance companies know exactly what their risks are and how to price them. If it was possible to charge less, some company would do so and others would have to follow.

    However, if you are REALLY sure that you are being charged too much, have you considered self-insuring (if your state allows it)? For example, in California you can deposit a bond with the DMV and then legally drive without insurance.

  4. My new wife and I live in Tennessee. She has had her Tennesse driver's license for almost 7 months now. I haven't added her to my auto policy yet. But she is still covered under the "uninsured motorists" clause of my policy.

    I am pretty sure she is not. She might conceivably be insured as an "occasional driver", but most insurers I checked explicitly state that a "member of the household" cannot be an "occasional driver."

    I strongly recommend that you add her to your policy. Yes, your premiums will probably go up. It might help if you "assign" her to the oldest, cheapest car you have (if you have more than one).

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