Search found 1015 matches

by talzara
Sun Feb 02, 2020 1:08 pm
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 108
Views: 7845

Re: Do You Do Your Taxes by Hand? Reporter doing story

I suggest that all you proud hand-fans at least use computer forms and efile. I costs at lot of money for the IRS to deal with all that paper. The IRS is still having to deal with 12 million mailed-in paper tax forms every year. The IRS only spends $4 to process a paper tax return. That's not a lot...
by talzara
Sun Feb 02, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Do You Do Your Taxes by Hand? Reporter doing story
Replies: 108
Views: 7845

Re: Do You Do Your Taxes by Hand? Reporter doing story

Does anyone know if data submitted on free fillable forms still goes through a third party? "The IRS promotes Free File Fillable Forms as an alternative to pencil-and-paper forms. If you think you are filing directly with the IRS when you e-file with Free File Fillable Forms, you would be wrong, al...
by talzara
Sat Feb 01, 2020 5:18 pm
Forum: Personal Investments
Topic: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?
Replies: 31
Views: 2696

Re: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?

As a public university, UMN is not at risk of being sued over its retirement plan. All of the 403(b) lawsuits were filed against private universities. Here's the thread on the 403(b) lawsuits: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=197130 Why is that, talzara? Do state universities e...
by talzara
Sat Feb 01, 2020 4:32 pm
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 97
Views: 15245

Re: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]

I've found these university 403b lawsuits puzzling. While I've never worked as an employee at any of the defendant universities, I work at a similar large university, and our 403b, which has options at Fidelity and TIAA, is excellent; far and away better than anything any of my partner or family me...
by talzara
Sat Feb 01, 2020 1:22 pm
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 97
Views: 15245

Re: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]

Anyone with knowledge of the merits able to comment on why MIT seems to have had the least favorable/most expensive settlement? It comports with my general feelings towards the institution and its recent direction, but I'm curious why this was the case. Is it entirely about the Fidelity kickbacks? ...
by talzara
Fri Jan 31, 2020 3:13 pm
Forum: Investing - Theory, News & General
Topic: Legibility - age-old issue of form vs function
Replies: 19
Views: 1261

Re: Legibility - age-old issue of form vs function

I’m wondering if you are having the considerable difficulty I am having trying to study the data presented by Fidelity (my broker) and Morningtstar (a main info source - premium member). Both sites seem afflicted with the disease of preferring form (slick graphics) over function (effectively commun...
by talzara
Fri Jan 31, 2020 2:11 pm
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 97
Views: 15245

Re: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]

Thanks for the updates, talzara! These summaries are impressive. Any themes or patterns in which cases are going to trial or getting settled v. getting dismissed? I can't see any patterns in the disposition of the cases. NYU's plan was not the best of the bunch, but NYU went to court and won on eve...
by talzara
Fri Jan 31, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for car insurance anonymously and privately
Replies: 33
Views: 2629

Re: Shopping for car insurance anonymously and privately

Used to be...... after decades and 3 or more cars went online (it took 24 minutes) to Progressive and cut 800.00 off annual bill with identical coverage. Called our SF agent and asked .. Can you match this? The response was, That is my annual profit sharing..... This is a common misconception about...
by talzara
Thu Jan 30, 2020 7:40 pm
Forum: Investing - Theory, News & General
Topic: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]
Replies: 97
Views: 15245

Re: [403b fiduciary lawsuits: MIT Yale NYU Duke Hopkins Penn Vanderbilt Emory Columbia]

More updates:
  • Johns Hopkins settled for $14 million in September 2019.
  • MIT settled for $18.1 million in September 2019
Other cases are still working their way through the courts.
by talzara
Thu Jan 30, 2020 7:24 pm
Forum: Personal Investments
Topic: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?
Replies: 31
Views: 2696

Re: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?

You might remind them of some of the lawsuits on this. You might try to find stories about some of them and use the most relevant examples. As a public university, UMN is not at risk of being sued over its retirement plan. All of the 403(b) lawsuits were filed against private universities. Here's t...
by talzara
Thu Jan 30, 2020 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for car insurance anonymously and privately
Replies: 33
Views: 2629

Re: Shopping for car insurance anonymously and privately

We have this guide in Maryland published semi-annually. Maybe your state has something similar. https://insurance.maryland.gov/Consumer/Documents/publications/AutoRateGuide2020.pdf I haven't found it to be super accurate though. For me, it suggests that Horace Mann might have a low rate, but I foun...
by talzara
Thu Jan 30, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for car insurance anonymously and privately
Replies: 33
Views: 2629

Re: Shopping for car insurance anonymously and privately

Royal Blue wrote:
Thu Jan 30, 2020 4:32 pm
It’s only available in Florida right now, but Squeeze.com does just that. They’re expanding nationwide this year.
No, it doesn't. You have to give them your name, address, driver's license number, and birthday. That's not anonymous.
by talzara
Thu Jan 30, 2020 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for car insurance anonymously and privately
Replies: 33
Views: 2629

Re: Shopping for car insurance anonymously and privately

I read an article that said/claimed that credit score was a much better predictor of auto insurance claims than actual claims history. I find that very, very puzzling. Why and how is a driver with a low credit score a bigger risk? Any ideas? Statistically, poor credit is correlated with higher clai...
by talzara
Thu Jan 30, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance (HO/Car/Umbrella Qs)
Replies: 6
Views: 445

Re: Insurance (HO/Car/Umbrella Qs)

3) IIRC, I read an old thread suggesting that S.F. at one time was adjusting rates based on how likely they thought you were to switch. i.e. It implied that loyal customers might get worse rates, because they wouldn't likely switch even with bad rates. Accurate? State Farm does not do price optimiz...
by talzara
Tue Jan 28, 2020 12:45 pm
Forum: Non-US Investing
Topic: [Non-US] What makes iShares so popular? How much does that matter?
Replies: 31
Views: 4600

Re: What makes iShares so popular? How much does that matter?

Is that really a quarterly figure? Or yearly? The wording is a bit unclear on that. That article is behind a paywall so I can not check if there is additional details. 3.05 points per quarter is 4 × 3.05 = 12.20 points per year = 0.122% per year. More than I expected. SPDR MSCI World UCITS ETF woul...
by talzara
Mon Jan 27, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule E not showing on Free Fillable Forms
Replies: 11
Views: 414

Re: Schedule E not showing on Free Fillable Forms

I get my all my free fillable forms here, and I download them directly from the IRS website: https://apps.irs.gov/app/picklist/list/formsPublications.html;jsessionid=sKcO-ehZN5xYilv77J1Jn7yc.20?value=1040&criteria=formNumber&submitSearch=Find What does Intuit have to do with anything? You are talki...
by talzara
Mon Jan 27, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule E not showing on Free Fillable Forms
Replies: 11
Views: 414

Re: Schedule E not showing on Free Fillable Forms

Going on a tangent: Was the freefillableforms site always hosted by intuit? I don't recollect it being so last year. Free File Fillable Forms has always been operated by Intuit. The 4th Memorandum of Understanding (2009) requires only that "a Free File Alliance Member" operate the "Unbranded Fillab...
by talzara
Mon Jan 27, 2020 2:02 pm
Forum: Non-US Investing
Topic: [Non-US] What makes iShares so popular? How much does that matter?
Replies: 31
Views: 4600

Re: What makes iShares so popular? How much does that matter?

FTSE charges less than MSCI for its indexes. Vanguard tracked the MSCI indexes until 2012, and then it started moving its funds to the equivalent FTSE index. The transition took place over several months, since they had to buy and sell a lot of stocks. So what does FTSE or MSCI charge? We do not kn...
by talzara
Thu Jan 23, 2020 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Div not matching VG distributions
Replies: 25
Views: 2852

Re: 1099-Div not matching VG distributions

There is confusion going on due to imprecise terminology. In the above, I'm not sure if you are referencing Vanguard as the mutual fund company or the broker. Mutual funds may, or may not, pass along the tax. You might want to review irs pub 514. They may be in a situation at year end in which they...
by talzara
Thu Jan 23, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: [Are there brokerages who report qualified dividends in real-time?]
Replies: 23
Views: 287

Re: 1099-Div not matching VG distributions

Are there any brokerages that report qualified dividends real-time? Qualified dividends depend on the holding period. They can tell you that the dividend is not yet qualified, but they do not know if they will become qualified in the future. It's not like foreign dividend taxes, which are imposed a...
by talzara
Thu Jan 23, 2020 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Div not matching VG distributions
Replies: 25
Views: 2852

Re: 1099-Div not matching VG distributions

Hmmnn. I was thinking US code where there are different brackets. If the foreign tax system was the same they would not know what my tax rate was so I assumed that it was the companies tax rate. The US tax code is the most complex in the world. Using the US tax code to think about taxation in other...
by talzara
Thu Jan 23, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Div not matching VG distributions
Replies: 25
Views: 2852

Re: 1099-Div not matching VG distributions

There seems to have been an assumption by some that all the foreign tax paid is tied to dividends, but why would that be true? Might be for capital gains. I'm not up on all foreign tax rules, but do know that some US companies can make a distribution in December & then "recharacterize" it in Januar...
by talzara
Thu Jan 23, 2020 1:07 pm
Forum: Investing - Theory, News & General
Topic: Want to buy -- Poster "Stamp Out Index Funds"
Replies: 18
Views: 2526

Re: Want to buy -- Poster "Stamp Out Index Funds"

That poster was made by the Leuthold Group, a mutual fund company. It is still under copyright, and they probably wouldn't be willing to license it for reproduction. Whether it is still under copyright depends on a number of factors, such as when it was first published and whether proper copyright ...
by talzara
Thu Jan 23, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Div not matching VG distributions
Replies: 25
Views: 2852

Re: 1099-Div not matching VG distributions

Dividend withholding is imposed directly on the dividends. The company's own tax rate does not matter, so its fiscal year also does not matter. Any timing differences also do not matter, since dividends are only withheld when the dividends are actually paid. I don't think this is right. The tax tha...
by talzara
Wed Jan 22, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Div not matching VG distributions
Replies: 25
Views: 2852

Re: 1099-Div not matching VG distributions

Maybe your stocks announce the foreign tax when they report the stock dividends. But I don't see how they can until they prepare their returns. Now if the stock has a fiscal year ending say in July and they don't pay out the dividend for for another 30 days they may be able to report the tax when t...
by talzara
Wed Jan 22, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Div not matching VG distributions
Replies: 25
Views: 2852

Re: 1099-Div not matching VG distributions

Fund vs. individual stock? I only have foreign holdings in funds/ETFs and I don't know how much the foreign tax amount is until I get my 1099's. My broker doesn't report foreign taxes for Vanguard ETFs either. They can't do it, because Vanguard isn't reporting the information for its funds. When I ...
by talzara
Wed Jan 22, 2020 1:28 pm
Forum: Investing - Theory, News & General
Topic: Want to buy -- Poster "Stamp Out Index Funds"
Replies: 18
Views: 2526

Re: Want to buy -- Poster "Stamp Out Index Funds"

There are many stories of the infamous poster that stated "Help Stamp Out Index Funds -- Index Funds are UnAmerican". A picture of the poster is included in this article. Does anyone know where I could buy a copy of that poster? That poster was made by the Leuthold Group, a mutual fund company. It ...
by talzara
Wed Jan 22, 2020 1:22 pm
Forum: Non-US Investing
Topic: [Non-US] What makes iShares so popular? How much does that matter?
Replies: 31
Views: 4600

Re: What makes iShares so popular? How much does that matter?

That raises another interesting topic that could be discussed... why does Vanguard follow FTSE indices for their benchmark whereas State Street/SPDR and BlackRock/iShares follow MSCI for their benchmarks? Does that matter much? FTSE charges less than MSCI for its indexes. Vanguard tracked the MSCI ...
by talzara
Wed Jan 22, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-Div not matching VG distributions
Replies: 25
Views: 2852

Re: 1099-Div not matching VG distributions

They probably cannot account for foreign taxes until the companies in the fund report their foreign tax paid and there is no way this can be done by December 31st. Whenever a foreign stock pays a dividend, my broker reports the gross dividends and the amount of foreign taxes withheld. This informat...
by talzara
Tue Jan 21, 2020 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Self tax preparation for a newby
Replies: 15
Views: 1689

Re: Self tax preparation for a newby

Buy the Download TT only if you want/need to manipulate the forms to create what-if scenarios as saved files. Or if you want to keep your data on your own computer until you e-file. Or if you want to file two returns without paying Intuit twice as much. Or if you want to prepare a state return with...
by talzara
Sun Jan 19, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Self tax preparation for a newby
Replies: 15
Views: 1689

Re: Self tax preparation for a newby

The cost of buying TT download (for what-if purposes) for next to nothing on Black Friday/Cyber Monday (and not filing) and THEN buying TT Online to file, is still significantly below a tax preparer. I have used TT since the 95 tax year and filed with Online for 9 years or so. The convenience of th...
by talzara
Sat Jan 18, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Free tax filing
Replies: 14
Views: 946

Re: Free tax filing

Thanks for this information. I’m under the income limit but over the age limit for some of these services. I wonder why some have an age limit? The Free File agreement requires the companies to offer it to at least 70% of taxpayers. However, an AGI limit of $69,000 would make the software available...
by talzara
Sat Jan 18, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Free tax filing
Replies: 14
Views: 946

Re: Free tax filing

Perhaps you are thinking of Free File Fillable Forms (linked to here: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free). This is an online system, not the pdf's from the IRS site. It's not advertised, but the IRS does not run this service. The user guide has this line Free File F...
by talzara
Sat Jan 18, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Free tax filing
Replies: 14
Views: 946

Re: Free tax filing

clown wrote:
Sat Jan 18, 2020 5:47 pm
Question: where does your income data reside? On your computer? On the provider's?
The data is stored on the tax software company's server. All of the Free File programs are online.
by talzara
Sat Jan 18, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Free tax filing
Replies: 14
Views: 946

Re: Free tax filing

Be aware - various wrinkles can jeopardize the free status. For example, the need to account for certain kinds of income, like capital gains. I think it may sometimes be necessary to start up the software package from the right entry point, as opposed to just googling for a generic link. (Can't rea...
by talzara
Fri Jan 17, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: cheap-o rental car chains
Replies: 46
Views: 3100

Re: cheap-o rental car chains

A few months ago I had an Enterprise rental car that had a tire with a slow leak that I saw the first evening after I got the car. I suspect that the prior renter has just filled up the tire before they returned it so they would not have to deal with it. I was about an hour from the airport but sti...
by talzara
Wed Jan 15, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: NJ Shared Responsibility Payment
Replies: 11
Views: 761

Re: NJ Shared Responsibility Payment

Is NJ taxing or is it a Penalty? I suspect it is the latter - hence including the tax exempt interest. So any state can tax "tax-exempt" interest by calling it a penalty instead of a tax? There is one difference though, a tax is something you cannot avoid paying. A penalty could be avoided complete...
by talzara
Tue Jan 14, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Med-Pay “P.I.P” Coverage In Auto Insurance
Replies: 13
Views: 885

Re: Med-Pay “P.I.P” Coverage In Auto Insurance

Is there perhaps a $10,000 sales limit on med pay in Nevada? I doubt it and we think the agent is either out to lunch or is blowing smoke. Any input on this situation would be appreciated. Personal Injury Protection is no-fault insurance. Med-pay is a limited form of PIP that only pays for medical ...
by talzara
Fri Jan 10, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2428

Re: Home Insurance Policy Increased by 26.8%!!

Hurricanes, earthquakes, ... We all have to pay for it. Mine went up 30% and I live in a state that doesn’t have hurricanes or earthquakes. Are you saying that I’m paying for another states problems? :x Yes. This is a common misconception that comes up a lot on Bogleheads. For the most part, a Virg...
by talzara
Fri Jan 10, 2020 12:57 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2428

Re: Home Insurance Policy Increased by 26.8%!!

I just received my home insurance renewal notice from Erie Insurance and the premium increased by 26.8%. I was just flabbergasted since I did file any claims or change any coverage. My home value has been steady as well. I called my insurance broker. She explained Erie did an across the board rate ...
by talzara
Sun Jan 05, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Insurance in Central Europe (Prague to Dubrovnik)
Replies: 19
Views: 751

Re: Rental Car Insurance in Central Europe (Prague to Dubrovnik)

Rental Car Insurance in Central Europe (Prague to Dubrovnik) Insurance is cheap compared to the cross-country fee from Czechia to Croatia. Avis and Enterprise won't even quote a one-way rental from Prague to Dubrovnik. Hertz, Europcar, and Sixt are quoting cross-country fees of $900 to $1,300. That...
by talzara
Sun Jan 05, 2020 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Insurance in Central Europe (Prague to Dubrovnik)
Replies: 19
Views: 751

Re: Rental Car Insurance in Central Europe (Prague to Dubrovnik)

I’ve done this route before and understood that the state-mandated liability insurance throughout the region is quite high such that I didn’t have to buy my own—and that supplemental wasn’t available anyway. The European Union requires cars in Czechia to carry third-party liability insurance of at ...
by talzara
Sat Jan 04, 2020 8:12 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 271
Views: 9844

Re: Vanguard phasing out regular mutual fund shares?

Maybe I am mistaken in assuming that buying $3000 of VFSVX, then converting $2000 of it to VSS, then buy another $2000 VFSVX, convert that, etc., etc., etc. would add costs to the mutual fund. The costs are minimal. The mutual fund would incur the same trading costs if the investor had purchased sh...
by talzara
Sat Jan 04, 2020 4:36 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 271
Views: 9844

Re: Vanguard phasing out regular mutual fund shares?

As a mutual fund shareholder, I find it a bit annoying that Vanguard thinks it is okay for me to subsidize small accounts and even to subsidize shenanigans to game the system, such as that described above: I used to keep dual positions in VSS/Vanguard FTSE All-world ex-US Small Cap and VFSVX, the I...
by talzara
Sat Jan 04, 2020 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Drops Agreement Not to Compete With TurboTax
Replies: 82
Views: 9901

Re: IRS Drops Agreement Not to Compete With TurboTax

The IRS only accepts e-filing from software companies. They do not allow individual taxpayers to e-file directly with the IRS. That prohibition has been lifted according to the OP's referenced article. Perhaps the IRS will now set up some sort of direct online filing system. That is only a proposal...
by talzara
Sat Jan 04, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Drops Agreement Not to Compete With TurboTax
Replies: 82
Views: 9901

Re: IRS Drops Agreement Not to Compete With TurboTax

The article doesn't really say anything about the IRS creating their own tax software, just that the IRS was prohibited from creating their own online filing system. Yes, that's what I've been pointing out several times on this thread. People are reading more into the agreement than it actually say...
by talzara
Sat Jan 04, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Drops Agreement Not to Compete With TurboTax
Replies: 82
Views: 9901

Re: IRS Drops Agreement Not to Compete With TurboTax

I would e-file if I could send my filled-in .pdf's directly to the IRS, which appears to be allowed now (just need the IRS to set it up). A few states used to let you upload PDFs. It couldn't just be any PDF -- you had to fill in their PDF. Their computer would then read the numbers right out of th...
by talzara
Sat Jan 04, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?
Replies: 27
Views: 2029

Re: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?

Potential higher cost would be the biggest risk it seems. I got turned off after a $2000 COMPREHENSIVE claim with a $1000 deductible turned in to a $800/year increase for 3 years... Now I carry (high) liability only and just self-insure. Same thing happened to my father. $4,000 accident and his pre...
by talzara
Sat Jan 04, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?
Replies: 27
Views: 2029

Re: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?

I count $1,500 premium increase (three years at $500 per year). I would not count the deductible here because you will pay that whether you file the claim or not. You can't subtract the deductible from one side and not the other. If you subtract $500 from the claim, then you also have to subtract $...
by talzara
Sat Jan 04, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?
Replies: 27
Views: 2029

Re: auto accident (no other vehicle)... $2400 to repair... file a claim or pay out of pocket?

It isn't this accident to think about. It is the next one. What if in the 3 year period you have another? That is where your rates skyrocket or you get dropped. I want to stay 1 accident away from the "big one". Usually it takes more than 2 claims to get dropped. However, some of the preferred carr...