Car insurance scheme - has anyone heard about this?

[ScribePharisee]

Our local TV news reported it; I barely heard it and it was on to something else - haven't found it on their website. But it went like this: While car insurance rates should be expected to go down with less cars on the road due to energy conservation and less fuel being burned up, the insurance industry was going to raise rates if one carpooled, saying that carrying multiple people posed an extra risk.

If this is true, then holy ****. If they can't screw you one way, they'll screw you another.


If you've seen a thread on this, post it.

 

[RossLT]

It's insurance, it's all a ****ing scam

 

[Shoeless Joe]

Haven't heard it but it doesn't surprise me one bit. They ask you how far you live from work and everything else. A friend of my got run off the road into some trees by a drunk (who was charged and arrested) and the drunk's insurance tried every way in the world not to pay. "Well, he didn't actually hit you. You chose to swerve."

Chose to swerve? You've got to be kidding.

 

[BTExpress]

This reminds me of the water restrictions Florida has been under for much of the past year.

Now that people are being forced to use less water, the cities are not getting as much revenue as they are accustomed to.

So they are raising the rates to help make up the shortfall.

 

[trifectarich]

So, how's the insurance company know if you ride to work with some co-workers? For 20 years my insurance company has thought I worked at home.

 

[schiezainc]

**** insurance.

The only reason I carry it is because I am financing a car. That's it. That's all.

I went two years without it when I first got my license and only once got into any kind of accident. I bumped a guy in front of me that stopped short in a drive-thru, got out, checked his bumper. There was no damage, I handed him a $20, we were good.

That's the way it should be.

Car insurance is a joke and I dare anyone who tells me different to explain why I have to pay more than my girlfriend does when A.) I've never been in an accident and B.) She's been in four. I'm 23, she's 25 and apparently those two years are the difference between paying $109 a month and $240.

 

[Dickens Cider]

Maybe your insurer knows you personally.

 

[Ace]

**** insurance.

The only reason I carry it is because I am financing a car. That's it. That's all.

I went two years without it when I first got my license and only once got into any kind of accident. I bumped a guy in front of me that stopped short in a drive-thru, got out, checked his bumper. There was no damage, I handed him a $20, we were good.

That's the way it should be.

Car insurance is a joke and I dare anyone who tells me different to explain why I have to pay more than my girlfriend does when A.) I've never been in an accident and B.) She's been in four. I'm 23, she's 25 and apparently those two years are the difference between paying $109 a month and $240.

So if you ran into a guy and his 3-year-old daughter died, what would you do? Hand the guy a $50?

 

[schiezainc]

**** insurance.

The only reason I carry it is because I am financing a car. That's it. That's all.

I went two years without it when I first got my license and only once got into any kind of accident. I bumped a guy in front of me that stopped short in a drive-thru, got out, checked his bumper. There was no damage, I handed him a $20, we were good.

That's the way it should be.

Car insurance is a joke and I dare anyone who tells me different to explain why I have to pay more than my girlfriend does when A.) I've never been in an accident and B.) She's been in four. I'm 23, she's 25 and apparently those two years are the difference between paying $109 a month and $240.

So if you ran into a guy and his 3-year-old daughter died, what would you do? Hand the guy a $50?

If I ran into a guy and his three-year old daughter died, my first thought wouldn't be "How can I make this go away?"

 

[SoCalDude]

This happened to a friend. She moved from a metropolian area (lots of traffic) to a suburban area (fewer cars) and was counting on her insurance going down. It goes up. She calls to ask why and is told that since there is a prison on her smaller town, there is more risk of auto theft, therefore higher rates. She points out that in order for an escaped prisoner to steal her car, he would have to elude the guards, cross a freeway, walk two miles uphill into a rural area (passing hundreds of cars on the way) and steal her car out of a locked garage.
Sorry, thems are the rules.

 

[Shoeless Joe]

Hey Schiez, what are you going to do when you get stopped by the cops, show him a 20 in your wallet as your proof of insurance?

Around here, and my guess in most states, insurance is required by law.

I hate insurance companies and would like to see claims people get a real bad case of the crabs, but don't think that defense would hold up in court.

 

[Baron Scicluna]

**** insurance.

The only reason I carry it is because I am financing a car. That's it. That's all.

I went two years without it when I first got my license and only once got into any kind of accident. I bumped a guy in front of me that stopped short in a drive-thru, got out, checked his bumper. There was no damage, I handed him a $20, we were good.

That's the way it should be.

Car insurance is a joke and I dare anyone who tells me different to explain why I have to pay more than my girlfriend does when A.) I've never been in an accident and B.) She's been in four. I'm 23, she's 25 and apparently those two years are the difference between paying $109 a month and $240.

Actually, you have had an accident. It was the bump at the drive through. I know people who have been in serious pain from a slight fender-tapper because they weren't able to brace their bodies for the bump.

The payments are a joke, I agree. What drives me nuts is that someone I know got hurt in an accident. It was clearly the other guys fault. My friend had injuries, which the medical was paid through no-fault. But when my friend had sued for other damages (lost wages, pain and suffering, etc.), the company took two years before settling. I understand that they want to collect the interest on the money they eventually paide out for the two years, but it's almost seems like a waste of the court system when you know that both sides were going to settle.

 

[ArnoldBabar]

**** insurance.

The only reason I carry it is because I am financing a car. That's it. That's all.

I went two years without it when I first got my license and only once got into any kind of accident. I bumped a guy in front of me that stopped short in a drive-thru, got out, checked his bumper. There was no damage, I handed him a $20, we were good.

That's the way it should be.

Car insurance is a joke and I dare anyone who tells me different to explain why I have to pay more than my girlfriend does when A.) I've never been in an accident and B.) She's been in four. I'm 23, she's 25 and apparently those two years are the difference between paying $109 a month and $240.

So if you ran into a guy and his 3-year-old daughter died, what would you do? Hand the guy a $50?

If I ran into a guy and his three-year old daughter died, my first thought wouldn't be "How can I make this go away?"

OK, let's say she doesn't die. Let's say she is seriously injured, requiring multiple operations and months of hospitalization and specialized care.

In your "I'm-too-cool-for-insurance" world, who pays for this? You sure as hell can't. Should taxpayers foot the bill? Is the girl just **** out of luck? Please explain.

 

[Ace]

Yeah, I'm pretty sure insurance wasn't invented to handle $20 fender benders.

 

[sportschick]

Schzienainc continues to prove he is a foof of the highest order.

 

[schiezainc]

**** insurance.

The only reason I carry it is because I am financing a car. That's it. That's all.

I went two years without it when I first got my license and only once got into any kind of accident. I bumped a guy in front of me that stopped short in a drive-thru, got out, checked his bumper. There was no damage, I handed him a $20, we were good.

That's the way it should be.

Car insurance is a joke and I dare anyone who tells me different to explain why I have to pay more than my girlfriend does when A.) I've never been in an accident and B.) She's been in four. I'm 23, she's 25 and apparently those two years are the difference between paying $109 a month and $240.

So if you ran into a guy and his 3-year-old daughter died, what would you do? Hand the guy a $50?

If I ran into a guy and his three-year old daughter died, my first thought wouldn't be "How can I make this go away?"

OK, let's say she doesn't die. Let's say she is seriously injured, requiring multiple operations and months of hospitalization and specialized care.

In your "I'm-too-cool-for-insurance" world, who pays for this? You sure as hell can't. Should taxpayers foot the bill? Is the girl just **** out of luck? Please explain.

If that happens, then I'm the idiot who should have had insurance.

Until then, however, I refuse to acknowledge the benefits of paying $240 a month JUST IN CASE something bad happens.

It's like staying in the house on the off chance you might get murdered in the subway. It doesn't make sense.

Again, I'm not saying I'm uninsured. I have to pay every month like everyone else. My hatred, while completely illogical and immature, is pretty much just a way to vent at a system I feel is ****ing retarded.

But, then again, maybe I'm not a big fan of being required by law to pay my money into a system that has no problem descriminating against me because of my age and sex.

Oh, and sportschick, I love you too.

 

[BTExpress]

$240 a month?

Criminy, I wasn't paying that nearly that much when I was 25 and driving a brand new Toyota Supra.

At 47 and driving an 18-year-old Lexus, I pay about $46 per month. And it will go down even more (I hope) when I'm married.

 

[Batman]

Biggest joke in these parts a couple years back was when the state passed a mandatory car insurance law. The insurance industry claimed they weren't happy with it because they'd be taking on more risk. These are the same assholes who tried to weasel out of paying Katrina claims (the wind vs. water debate) and bailed, en masse, on the state's home owner's insurance market when they lost the lawsuits.
Common sense has no place in the insurance world. There was no more or less risk of a hurricane hitting on Aug. 30, 2005, than there was on Aug. 28, 2005, yet in their ****ed-up world view another one was sure to hit the next week. Get one ticket in 10 years? By god, you need to pay us a $3,000 fine for the next three years because you're sure to get another one. **** insurance companies. I hope there's a nice, extra hot corner of hell reserved for them.
When I got a ticket and my rates went up to $170 a month on the heap I was driving, I used to write "for legalized extortion" on the check's memo line every month. It was a little therapeutic, at least.

 

[Ace]

I don't understand why you're not required to have health insurance but you are required to have auto insurance even in no-fault states.

So if that guy you hit can't get money from you or your insurer, why force you to have insurance?

(Not saying it's smart to go without it, though)

 

[BTExpress]

I don't understand why you're not required to have health insurance but you are required to have auto insurance even in no-fault states.

For many people, health insurance is just not affordable.

A cheap, high-mileage car almost anyone can afford to insure.