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Originally posted by Monkeygod333
The only way I see insurance as a problem is when government makes it law that every driver has to have insurance cover. Other than that it's personal choice.
You can stop paying insurance and save up the money to the value of your own car, but then a third party liability clai could cost millions.
Otherwise you can always get pay-as-you-drive insurance, but then they have to install a gps tracker in your car.
I dont see how it is a conspiracy, insurance is a daily need, a nescessity, much like water and sewerage services. Has been since the London burnings in 1666.
There's no 'system', just cover for when you personal shtf.
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Originally posted by JibbyJedi
Mass. cops ruined my driving record in 1 year, my insurance went from $400/yr to $3600/year, and after they hiked the rate, they demanded I pay for the whole year in full up front or they'd cancel my insurance.
I was driving a $400 crap box at the time. I laughed at the insurance agent and told her absolutely no way I can do that. She said then I'd be driving illegally, to which I said oh well I guess so. Then I moved to NH where auto insurance is optional.
Originally posted by benrl
Driving is a PRIVILEGE not a right, You are driving on roads collectively paid for by ALL our taxes, as a requirement you need to be able to pay the damages you may cause to say a driver like ME...
Originally posted by DIDtm
Originally posted by wishful1gnorance
I probably wouldn't be so bad off, because I would by $20,000 richer. I'm a very cautious driver, I'll take my chances about something being my fault. I've been driving for 9 years now and have not been in or caused an accident, despite other people trying to hit me at times.
More to the point I'm already in the hole, and not by my own volition. This is one of the arguments disputed in the thread I posted. Read their points, it will put my view on your point in perspective.
Just throwing this out there.
20K may seem like a lot of money....and it is a lot of money.
But how far would 20K go if you fell asleep at the wheel or swerved to miss a deer and jacked some doctors 100K Mercedes, put his wife in the hospital and in the process caused 50K in property damage to the homeowners property the accident happened in front of/on?
It wouldn't go very far.
Throw in a lawsuit he the wife died. Medical bills, burial expenses, loss of income, etc....
Insurance can and will pay for a lot more than just your 2000 truck. It can, for a lack of better wording, save your life.
Originally posted by wishful1gnorance
I'm paying several grand for some medical bills for a really bad hangover ....
Originally posted by UKWO1Phot
Here in the UK the smaller the vehicle the cheaper your insurance..
Get rid of the truck and get a smaller car.
Originally posted by Maxatoria
the main question with insurance is that can you afford to pay should you put some 5 year old onto 24x7 critical care costing lord knows how much per hour, if so then it doesnt matter if you have to spend 2-3 million a year on some poor kid for the next 60-70 years but if you cant afford the costs then its time to pay the insurance company to take the hit for you
i dont know about american insurance but perhaps a nice bike with a 600-1000cc engine which will eat the miles up and be alot more fuel efficient than some 20 year old rust bucket that does gallons per mile