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11 October 2017, 01:00 PM | #61 | |
"TRF" Member
Join Date: Jul 2017
Real Name: Mike
Location: Georgia
Watch: Hulk 116610LV
Posts: 374
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Quote:
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116610LV, Hulk, March/2018 126655, November/2022 |
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11 October 2017, 01:06 PM | #62 | |
"TRF" Member
Join Date: Jul 2017
Real Name: Mike
Location: Georgia
Watch: Hulk 116610LV
Posts: 374
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Quote:
I will keep waiting for you to 1) refuse to respond; 2) claim that you are still right despite the number one consumer advocate in the history of the U.S.A. totally saying otherwise; or 3) you to actually admit that you were wrong and way out of line. I won't hold my breath on option number three, even though it is the clear choice.
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116610LV, Hulk, March/2018 126655, November/2022 |
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11 October 2017, 01:57 PM | #63 | |
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Join Date: Aug 2015
Location: down by the river
Posts: 4,926
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Quote:
-- $57k claim for a car wreck -- $22k hurricane damage -- $1500 earring -- $19k engagement ring The author wasn't recommending that anyone pay for coverage but not use it. His advice was to buy high-deductible insurance so that small losses aren't claimable in the first place |
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11 October 2017, 09:54 PM | #64 |
"TRF" Member
Join Date: Jan 2009
Real Name: Herbert Frank
Location: Middletown,De
Watch: President
Posts: 1,641
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About Clark Howard. I am listen to many of his radio shows and in my opinion some of the advice he gives out i Aggie with while others do not meet with my views. However to call him an expert is stretching the point to say the least. While is well educated his career was as a travel agent and radio show host giving travel advice. From there he expanded to the current form. He possesses no special qualifications to make him an expert in any specific field other than travel. His advice is opinion only and should be viewed in that respect. Insurance is a complicated subject that is influenced by many different variables. Coming out with a blanket statement like only making a claim for a catastrophe is disingenuous and does not serve The consumer well in my opinion.
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Time and Tide wait for no man Rolex Cellini 4133 Tudor North Flag HERS: Rolex TTDJ |
11 October 2017, 11:20 PM | #65 |
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Join Date: Feb 2013
Real Name: Louis
Location: Bay Area, CA
Watch: PP 5131R
Posts: 4,764
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11 October 2017, 11:31 PM | #66 |
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Join Date: Jan 2013
Location: California
Posts: 3,099
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WhiskeyKoffee why be so offensively rude to people that try to help the OP? We may not be "Clark Howard" but we do have personal experiences to share that may be helpful and are relevant. Like I said in my earlier post maybe it's you that's the problem, your confrontational style is a great way to make enemies and insure nobody takes you seriously.
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9 November 2017, 02:32 AM | #67 |
"TRF" Member
Join Date: Nov 2017
Location: Minneapolis
Watch: 116710LN
Posts: 84
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Looked in to JM but decided against them due to reviews and listening to a sob story from a friend of a friend about their claims experience with them. Ended up with a rider to my homeowners.
Quick and easy. They asked for a copy of the appraisal and 2 color pictures. A bit less than $10 per $1000/yr. Coverage for "all risks". |
9 November 2017, 10:07 AM | #68 |
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Location: .
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I was told by my agent that weather damage, hail to roof etc is not a claim that will cause you to be dropped. However, a fire is now on the line, and when my son's golf clubs were stolen I was advised not to file a claim, and I didn't. I have had only weather claims and I think one would be foolish not to file a claim and pay out of pocket for a roof, siding, etc. That's what I have insurance for.
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28 November 2017, 02:16 AM | #69 |
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Join Date: Aug 2010
Location: Midwest
Watch: Rolex Pepsi 1675
Posts: 62
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I've been with JM since my first new Rolex Sub purchase in 2010 and were highly recommended by the AD. I've also have never had a claim with them. As a rule, JM normally needs an appraisal for any additional pre-owned non AD purchased pieces to be added to the policy however have been accepting a purchase receipt on the last 3 I added. Now to my dismay, this month I just added a no date 14060 Sub with only a e-mail purchase receipt from Crown & Caliber which they did without issue. I also requested to reduce the coverage amounts on 2 other pieces on the policy which I always felt were over appraiser however JM wants a updated appraisal to do so?? To add, they have steadily increased the value on my first Rolex Sub 16610 since 2010 without an updated appraisal or my consent which of course increases the policy amount but will not reduce the value amount on my request on other watches on my policy without a appraisal? I don't get it.
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28 November 2017, 02:22 AM | #70 |
Banned
Join Date: Aug 2015
Location: Ellijay, GA
Posts: 1,504
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This. At that price, just self insure. Figure out a feasible "premium" and pay yourself in a separate account. If one day something happens, you'll have most of, if not all the cash to replace. And, you won't get the headache of making a claim.
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28 November 2017, 02:40 AM | #71 | |
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Join Date: Oct 2017
Real Name: Archie
Location: Washington, DC
Watch: TT DJ 1601
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Quote:
Recommend continue shopping |
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28 November 2017, 02:43 AM | #72 |
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Join Date: Apr 2015
Location: Houston
Posts: 17,622
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Thats relative to the collection.. A watch maybe. As the above poster said with one watch i see the logic in self insuring. With a larger collection insurance is a must. Its catastrophic if you lose a collection on par with the value of a house and you would be nuts not to insure a house.
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28 November 2017, 07:03 AM | #73 |
2024 ROLEX DATEJUST41 Pledge Member
Join Date: May 2008
Real Name: Matt
Location: Wine Country, Ca
Posts: 5,836
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Try State Farm. The premium is roughly $100 annually per $20,000 coverage with zero deductible. A receipt or appraisal is required to verify worth. The policy is itemized per watch and not an umbrella policy like some home owner riders. There are additional fees if a single item is valued over $25K I believe.
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12 December 2017, 03:18 AM | #74 | |
"TRF" Member
Join Date: Jan 2009
Real Name: Herbert Frank
Location: Middletown,De
Watch: President
Posts: 1,641
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Quote:
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Time and Tide wait for no man Rolex Cellini 4133 Tudor North Flag HERS: Rolex TTDJ |
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12 December 2017, 04:29 AM | #75 |
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Join Date: Oct 2017
Location: Chicago, IL
Posts: 713
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I have an 800 credit score, 0 insurance claims ever, live in the wealthiest zip code in my state, and was denied through them too. No idea why but adding a separate policy through my HO policy was half the price anyway.
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12 December 2017, 06:39 AM | #76 |
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Join Date: May 2012
Real Name: CJ
Location: Kashyyyk
Watch: Kessel Run Chrono
Posts: 21,113
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do you have an 800 because you use cash and rarely use credit?
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12 December 2017, 10:14 AM | #77 |
"TRF" Member
Join Date: Oct 2017
Location: Chicago, IL
Posts: 713
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12 December 2017, 12:01 PM | #78 | |
Banned
Join Date: May 2012
Real Name: CJ
Location: Kashyyyk
Watch: Kessel Run Chrono
Posts: 21,113
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Quote:
That makes sense. But not getting the coverage doesn't. Assuming you're a whale, they may not want the risk with your toy levels. Insurance is an odd game. |
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12 December 2017, 12:26 PM | #79 |
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Join Date: Oct 2017
Location: Chicago, IL
Posts: 713
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That’s the thing, I’m not even a whale. Own just $20k in watches (2) that I wanted to insure.
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