100 Insurers Message Board

Subject: Re: Re: Re: Re: YOUR AUTO INSURANCE --LESSON 1

Comments:
: : You are an amazing character. In your quest to besmirge : : --Its BESMIRCH, you idiot. Besmirge is not a word. : : each and everything (sic) I post even if the subject matter is widgets, if I post an answer "white", you attempt to downgrade my information by saying your wrong the answer is "black". If I post an anwser (sic) to the same question as "Black", you would come back once again questioning my answer posting that the answer is "white". : : --If I do dispute your answer, its because its wrong. : : Your personal fettish (sic) is do deep, : : --Its FETISH, you moron. : : because your PFS message board was thrown off on the location it was on and you had to relocate your board, each and every message board on the internet I contribute to you make it a point to follow me to just so you can twist words and build up a poster's doubt in what I am posting. : : --In your dreams. I havent (and wouldnt) follow you anywhere. In fact, soon after I set up my message board on b2g2, guess who started their own message board at that location? Thats right, YOU. Why is it okay for you to follow someone around to different domains, but not anyone else (not that anyone would)? What a hypocrite! : : You do not now or have you ever held a Property and Casualty License. : : --WAFI you are. Okay, heres the deal. Lets make it a $100,000 challenge. You prove that I am not currently licensed in Property and Casualty and you keep the money. I dont even care if you donate it to charity or not. What do you say, Ken? Youre always the one wanting everyone to take the challenge, you going to step up to the plate and swing your bat? If you dont want to, Im sure everyone will understand. After all, Steve has called you out as well and you wont accept his challenge either. What a hypocrite you are, Ken. So, whats it going to be? Yea or nay? : : You have never been tested and apporved (sic) by any authority to teach not only life and health insurance but also personal lines Property and Casualty Insurance, but you continue to demonstrate your deep fettish(sic). : : --Learn to spell, Ken. : : Now just sit back and learn from a qualified and State Approved teacher and let's examine what you have posted as long as you want to get to specifics. : : --This should be good. : : : : You write, "Example one". " the child ownes (sic) his own car and would not have to be listed on his parents policy". : : Wrong....Doesn't make a difference if he owns his car or not. My example was that he is living at home so he must be listed on his parents policy as a named driver. : : --And you are WRONG. The ONLY people that need to be listed as a driver are (here we go, straight from the underwriting manual again), those who ROUTINELY drive a listed vehicle. : : RATING INFORMATION...All persons living in the same dwelling must be rated to an auto of the parent as a driver. The person living in the home with the worse rating class must be assigned to the most expensive car ie, the child for rating purposes must be rated to say his father's policy regardless if he owns his own vehicle or not. : : --Not true, Ken. When I rate a policy with any of the companies I write for, there are two questions that are asked that contradict what you are saying. The first is, Are there any other licensed drivers in the household for which insurance is not being requested? If the answer is yes (which happens quite frequently), then you have to explain why, i.e. Son has his own car with his own policy. The second question is, Are there any other vehicles in the household for which insurance is not being requested? Again, if the answer is yes, then you have to explain why. Now, if EVERY driver in the household MUST be listed as an operator, why are they asking these questions? The policies get approved whether I answer yes or no, so whats the point of them? : : Say the second child a girl let's say is living at home also, she is rated to the second most expensive car and then mom to the other car if there is one excluding the boy childs car. : : --True, AS LONG AS they are ROUTINELY driving their parents vehicle(s). : : : : Now back to your example number two again. You stated...."This is not true" You went on to yammer additional false information by stating as fact in the example "there would (emphasis) be coverage as the insurance follows the car. : : WRONG AGAIN....In your example the neighbor borrows the car....The NEIGHBOR'S AUTO LIABILITY ONLY FOLLOW THE CAR AND SINCE THE NEIGHBOR is not a named driver of the car only the comp and collision stays with the car. : : --Wrong! The neighbors insurance, if any, pays out as SECONDARY coverage. If the owner of the car has NO insurance, then the neighbors policy becomes primary. Are you sure you were an instructor of this stuff? : : In that same example number #2, if the neighbor was involved in an accident with the car and did bodily injury being at fault, the neighbor's auto liabilty must pay and the owner of the vehicle must pay the deductible on his own car to have it repaired. : : --Wrong! See above reply. : : In instances such as the accident example, the owner of the car's insurer would pay for the repair of the owners car and then subrigate (sic) for reimburse (sic) from the neighbors insurer. : : --Sure, anything you say, Professor. : : Now I ask this of our viewers who at one time have rented vehicles from a car rental firm. You go to pick up the vehicle and the clerk wants your insurance identification on your own vehicle. She tell you that you will have to purchase comp and collision, gives you a premium price and asks you if you want to change the deductible to a zero deductible, right? : : --Right, BUT ONLY because the rental company wants more money. Most personal automobile policies also extend coverage to rentals. Why do you think there is a spot on the rental agreement where you can waive their offered coverage? Most major credit cards will provide this as well if used to pay for the rental. : : Well, contrary to the misinformation posted on your board by Mislead, that is because the rental unit you will be driving has no liability on it and you can not rent it if you do not own liability insurance yourself on your vehicle. Subsequently, the insurance does not always stay with the vehicle as Mislead would Mislead you into believing because any driver listed on the Family Auto Policy would have the vehicles Liability follow him to any vehicle he drives belonging to anyone. : : --WAFI. Read any policy you idiot. Look in the Definitions section under Your Covered Auto, where it states (emphasis added), Your covered auto means:(d) Any auto or trailer you do NOT own while used as a temporary substitute for any other vehicle described in this definition. That means a rental car you imbecile. That was quoted DIRECTLY from my own auto policy. : : Now when the time comes in its turn Mislead, I'll also give you a lesson in "Substitute Vehicles" not listed on the policy. : : --No need, I just posted what policies say about that. : : Next criticism Mislead posted. In his scenario of a child owning his own car and insuring it, he is correct but he is also misinformed and confused. Misled states that the scenario I had posted was known as a "Personal Auto Policy" : : More bad news for you Mislead. The child who owned his own vehicle you brought into my posted sceanrio (sic) owns a Personal Auto Policy, but just as I stated, Dad owns a "Family Auto Policy. : : --They are the same thing, idiot. : : ONE MORE TIME....THE LIABILITY COVERAGE FOLLOWS THE DRIVER REGARDLESS OF WHAT VEHICLE HE IS DRIVING AND IT DOESN'T FOLLOW THE CAR. : : --And one more time, youre WRONG! : : ONCE AGAIN, PLEASE BE VERY QUIET WHEN YOU REMOVE YOUR SHOE OUT OF YOUR MOUTH WHICH YOU READILY FIND PLEASURE IN PLACING IT THERE. : : --Mine isnt in my mouth. Im looking at my own policy and have checked in SEVERAL underwriting manuals and they ALL contradict what you are stating here, Professor. : : Oh by he way, let's pause for a refreshing statement. Today I noticed that you are one of the very few select people who are now not having to register to post messages to the Anti-Ken Young bashing, defaming and libeling board. : : --As usual, you are wrong. I had to register and was approved rather quickly. You on the other hand. : : What next? Is your gang of two or three going to start shredding incrimminating (sic) messages your handfull (sic) posted there are are (sic) you simply going to "burn the books of knowledge" there as did in the 1930s in Germany? : : --The only incrimminating (sic) messages on this, or any other board are your own, incorrect, grammatically incorrect, misspelled postings. : : Therefore once again as usual I ask you that you do not disrupt the flow of information I am volunteering to the viewers and posters of this message board. Once again I ask you to limit your fettish (sic) of Misleading the public to the Wars message board bashing and libeling sticly (sic) there where you are one of the two main players there. : : --LOL. I ask you, that if you are going to volunteer information to the viewers and poster of this message board that you at least offer CORRECT information. : : Now you have failed again and flunked your second lesson Mislead. : : --Only in your mind. : : Could it be that your (sic) are referencing British Columbia Canada Auto policies and not USA policies? Hmmmm : : --No, it couldnt. Why would I want to do that when Im in the U.S.? : : Now when you obtain the level of some accurate knowledge as I have in my little fingure (sic) alone let alone my whole body and obtain some personal credentials for yourself as I have ie (sic), credentials also to teach all lines of personal life insurance then maybe you will be something of value and accuracy when you post messages to any message board on the internet. : : --ROTFLMFAO! Oh great, here we go on the credential thing again. As for you and the accurate (LOL) knowledge you have in your little fingure (sic), Ill pass. I only listen to instructor that teach CORRECT information. : : Buy (sic) the time recorded of your messages, it appears you spend most of your day sitting behind your computer. : : --Actually, I spent very little time on the computer today. For most of the day I was out closing several affinity programs with some local employers so their employees can save money on their auto and home insurance. : : So does "steve". By your display of the fettish (sic) you have for me, so does "steve" display the same fettish(sic). By the manner that you have displayed that you "talk down" to people, it appears that you are parroting steve also. : : --By your display of your bad spelling, incorrect grammar, run-on sentences and general lack of knowledge, it appears that you are an idiot in the first degree! : : How in the world can you both work in the insurance industry, prospecting visiting prospective clients, delivering presentation and writing up applications if you sit behind your computer all day and night? : : --Both of who? Are you referring to Steve? As far as I know, hes not in the insurance industry, you moron. : : Sure doesn't make sense with you although it would with steve staying home all day long. : : --It only makes sense to you, Ken. Everyone else is smart enough to figure it out. : : : : I always thought that it was strange that steve was more upset and he was the spokesperson for your message board being thrown off of the members.boardhost domain. : : --And as usual, youre wrong. : : Come on Mislead, fess up...you're really are steve aren't you? : : --Nope, I sure am not. Now you fess up, youre really an idiot, arent you! : : If it turns at steve's deposition that you really are steve, that really is (sic). : : --The only sick person here is YOU! So, now that were all done with that, what do you say, you want to take my $100,000 challenge? : Can you cover your auto under your home insurance?

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