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Just thought of this... car insurance question

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    #1

    Just thought of this... car insurance question

    I just read someone mention that their car insurance went up. I assume this happened after they filed? We are about to switch car insurance because right now it's with USAA and once they realize we aren't paying our mortgage anymore (I'm really really really sad about screwing with USAA... such a great bank ) then they won't renew our car insurance or home insurance anymore. (which I'm confused about because if we are supposed to keep home insurance even after we stop paying for our mortgage well how would that work? USAA holds our mortgage AND our housing insurance)

    When putting our expenses down to file... our car insurance will be less than after we file. How much should I expect it to go up?

    We will be able to file Chapter 7 but what about those with Chapter 13... if you are budgeting for one amount but the rates rise after you file... doesn't that mess them up after?
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    #2
    We have USAA. We filed against them on 2 cards. We still have all our insurance policies(nothing went up) and our banking.
    Last edited by Cali; 11-12-2008, 01:13 PM.

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      #3
      We have our mortgage with them though. We just canceled our ACH for that and got a new bank. I'm too scared to assume they will keep our car insurance and not get someone new... I've heard stories of them not renewing so I don't know what to do. I can't really ask them this right? "We are ditching our mortgages with you but can you keep our car insurance?". I seriously have no idea what to do. I don't want to switch but I feel like I could be asking for it if they do cancel and then we have no insurance. Wouldn't be a big deal here in Wisconsin as it isn't even required (which is so freaking stupid) but in Ohio I'm sure it is.

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        #4
        Originally posted by hopeforus View Post

        We will be able to file Chapter 7 but what about those with Chapter 13... if you are budgeting for one amount but the rates rise after you file... doesn't that mess them up after?
        I'm in a Chapter 13, and my car insurance rates did not go up.
        Filed: 5/22/07; 341 Hearing: 6/27/07;
        Confirmed: 8/13/07; DISCHARGED 4/17/2012

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          #5
          well that's good to know. maybe it's not that common?

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            #6
            I wouldn't think C13 rates would go up anyway, since they are paying something back for the most part.

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              #7
              Originally posted by Cali View Post
              I wouldn't think C13 rates would go up anyway, since they are paying something back for the most part.
              For the life of me, I cannot see what your credit rating is if you insure? You pay the premiem, if BANG you should be paid to make you whole? 'Hub
              If I knew it all, would I be here?? Hang in there = Retained attorney 8-06, Filed 12-28-07, Discharge 8-13-08, Finally CLOSED 11-3-09, 3-31-10 AP Dismissed, Informed by incompetent lawyer of CLOSED status, October 14, 2010.

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