Can You Buying Collision Without Comprehensive?

[sam816]

I am told by a prospect recently moved from California to Arizona that big captives like Farmers or State Farm would sell her collision coverage without comprehensive. I have not been able to find a carrier in AZ that is willing to do so (I am an independent, have access to more than a dozen carriers in AZ).

Just curious, are there any carriers that are offering collision without comp in AZ or CA?

TIA.

 

[hello..]

I know for a fact that State Farm, Allstate, and Farmers will. i have worked for all 3.

 

[djs]

why would you want to though? There is some lack of understanding here. Yes, comp claims aren't the norm, but that's why comp coverage is pretty cheap.

Dan

 

[Guest]

yes, you can pick and chose which one you want, not a big deal

 

[sam816]

why would you want to though? There is some lack of understanding here. Yes, comp claims aren't the norm, but that's why comp coverage is pretty cheap.

Dan

I think people tend to ask independent agents "Why can't you offer this when Farmers or other captives can?"
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yes, you can pick and chose which one you want, not a big deal

Can you be more specific? which carriers will allow this? Thanks.

 

[Aram Fingal]

In WA I don't know of any carriers that will allow you to get collision without comp. Not even Farmers (I used to work for them). It might be a WA thing though.

 

[djs]

I can't see a reason why someone would want to do this. Because of that, I've never tried to do it with any of the carriers.

 

[Aram Fingal]

I can't really see anyone ever wanting to do that either, and definitely wouldn't recommend it. But I've botched up clicking on coverages and had the system give me a pop up window telling me I can't do that.

I can't see a reason why someone would want to do this. Because of that, I've never tried to do it with any of the carriers.

 

[djs]

Botched up clicking? When that happens, I throw my mouse across the room and hire a new one. I make sure it understands if it botches up like its predecessor, it will be in the mouse pile as well.

I go through about 10 mouses a day.....

 

[TeePee]

If the vehicle is financed, I don't think the lender will allow?

I have been in insurance for over 17 yrs and to cover my arse, I refuse to do such OR write out exactly what is NOT covered without comp and make the insured sign and sign again and again.