So it is manditory that i have car insurance, and i do.

I am 38 years old, and to date i have paid State Farm Insurance $92,412.56 in insurance bills, and have never made a claim, nor have i had a ticket in nearly 20 years.

Since i have owned no vehicle that is worth more than $12,000, i'm curious how much does one have to pay the auto insurance agencies before they owe me at least one car?

lawmakers, lobbiests' bitches, can we make it a law that if one does not make a claim, and has paid the insurance companies 10 times more than what their car is worth, that the insurance companies must manditorily provide their customer with one brand spanking new vehicle?

....or maybe some help buying a home/house?

just a thought.


on this beautiful sunny memorial day,
anyone in d.c. looking at it from our way?




[edit on 31-5-2010 by Esoteric Teacher]

when i buy insurance, that money is spent buying insurance on my car, not money i am spending that money to cover flood insurance in new orleans, no offense.

approximatly 1/3 of my taxes go towards that cause, or should at least.

insurance companies are not a government agency.

nor should their agenda of profits over-rule logic.

i have paid 10x more in car insurance than what i have ever used.

to spend that much on something i never used ....

If anyone is interested i'm opening up a business ....

Anyone want to buy an extended warranty on their coffins?

lucrative business, and it runs parrallel with the ideologies of insurance agencies.

I'm not sure how this thread didn't get more attention.

I'm a young male driver that has never been in an accident. However I lived in a town polluted with police. It was difficult not to obey every law of the road at every second. Some things were my fault, others were perpetrated by the police state needing funds. Either way, I now have points on my license, from roughly 3 years ago.

I pay roughly $200 a month for a v8 2door 8' bed chevy pickup. It guzzles gas, with how gas prices look now, I pay literally $125-$150 to fill up my tank. It's payed off but it's 20 years old and needs repairs every few months. I budget my stuff pretty well, but I'm paying several grand for some medical bills for a really bad hangover and a broken nose. I'm literally broke, I work full time and go to school full time and have little to no social life, I pick up side jobs, I tutor, fix computers, provide consultation to several people for networking services, I mow lawns, I draw stencils for ice carvings, I make custom designed plastics, I produce video montages, I do what ever is necessary to make ends meet. However, I've run out of options

The bottom line is, I was looking for ways out of paying auto-insurance. I'm only 25, and I've already payed roughly $20k in auto-insurance that has never covered me, on a $2,000 truck. I've only been able to afford liability up until recently. Needless to say, with all of bills I have due I am in the red every month. Auto-insurance is something that I gut-wrenchingly pay every month, because every penny I earn is extremely valuable to me.

There are all these videos out now, saying STOP PARTICIPATING! Unfortunately, I don't have the means to do so, I don't own my own land, I rent an apartment, I try to grow a garden, which gets torched by the sun because the plants are on a patio, I need gas, food, shelter, water, electricity, internet (primarily for school, I take half of it with online classes), among virtually countless other small necessities that spring from my entrepreneurial enterprises. I figured the first step to not participating is building funds, Car Insurance should be the first thing to go, because I get nothing out of it.

I live in a town where everything is too far away to ride a bike every place, there is NO public transportation, so I have to have a car, I tried the scooter for a while, but I almost died literally 15x in the span of year because people don't give a s**t about scooters.

So how do I stop participating? Where can I start? How should I start with out being jailed or fined? Who do I turn to? I need help. I am exhausted.