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09-02-2023, 05:44 AM | #89 |
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3 Cars were stolen recently in our neighborhood. The criminals are free to continue and steal while everyone else pays for these losses.
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09-02-2023, 07:02 AM | #90 | |
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09-02-2023, 11:16 AM | #91 | |
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09-02-2023, 11:40 AM | #92 | |
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09-02-2023, 12:33 PM | #93 |
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But see, that's where you're wrong... FL law mandates it.
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09-02-2023, 02:04 PM | #94 | |
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Seems you're just upset because YOU don't know the exact formulation used and all the factors they take into account. So it SEEMS random when in fact it's risk based just like your earth shattering solution. It only requires liability so when you wreck someones car they are not left hanging. Personally I would love if car insurance were cheaper, hell I want it to be free and I think everyone should be a billionaire. Unfortunately I live in reality. Last edited by dreamingat30fps; 09-02-2023 at 02:30 PM.. |
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09-02-2023, 02:23 PM | #95 |
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09-03-2023, 11:51 AM | #96 |
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But if you never get in an accident or do anything dangerous, you wouldn't get caught, so you don't need it, amiright?
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09-03-2023, 11:57 AM | #97 |
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Ah yes - the modern definition of delusion - not wanting to pay for other's risk... and we wonder how this nation has so many issues.
Incorrect again - any insurance company reports you the moment you cancel or don't carry insurance directly to the state of FL.
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09-03-2023, 12:29 PM | #98 |
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So move to a state that allows self insurance.
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09-04-2023, 03:26 PM | #99 |
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and perfectly in line with our discussion... got my renewal notice today... +21% increase... 0 accidents, claims nor tickets for 20 years of driving... yours was +24%... hmm...
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09-04-2023, 04:06 PM | #100 |
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06-04-2024, 09:44 AM | #103 |
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Yeah my insurance makes no sense.
22 CT5BW a sports sedan with almost 700hp 800$ every 6 months. 23 M550 same sports sedan with 550hp 1700$ every 6 months. Zero accidents or tickets since 2009.
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06-04-2024, 10:27 AM | #104 |
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BMW repair cost?
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06-04-2024, 11:17 AM | #105 |
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Greed, inflation, various damaging weather events over the years, continuing rising costs of auto repair (EVs will make things worse given the rate they are easily totaled), labor costs/shortages, etc. have all played into these insane home and auto insurance rate increases. There's no smoking gun.
In the end, the insurer and the insured will eventually have to come to some sort of equalization, because like many things that have greatly outpaced inflation, this level of increase is simply not sustainable. Too many companies have enjoyed the profitability of COVID and they now expect that level of profitability. A majority of companies are guilty of this. The consumer is also guilty by believing they would have an abundance of income and lived beyond their means. Let's face it, a majority of us live a FAR more fruitful life in terms of the "things" we had growing up. We are just as much to blame.
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06-04-2024, 03:56 PM | #106 | |
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But when they know they probably won't get charged because a progressive DA isn't going to charge them because of whatever B's reason, they're free to keep committing crimes until they're stopped. |
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06-04-2024, 05:46 PM | #107 |
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Insurance companies...biggest scam going. They take our money, but if we need to file a claim they do anything & everything to not pay.
Why don't we get some sort of refund for not filing claims? F these giant companies
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06-04-2024, 06:32 PM | #108 | |
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While I understand the ease of saying "these big insurance companies are all colluding to keep rates high and make crazy money", one has to wonder why aren't there non profit insurance groups like the credit unions are to banks? Surely if it was a feasible thing, someone would have done it and made a major dent in the insurance industry. To me it says that the profit portion of the premiums just isn't that large, and they wouldn't really be a competitive option. |
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06-05-2024, 11:12 AM | #109 | |
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06-05-2024, 11:56 AM | #110 |
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That's a very simplistic answer. There's plenty of greedy non profits out there, so if it was really greed someone would have a non profit insurance company so they could all pay themselves exorbitant salaries as part of a nonprofit. That's how a LOT of big non profits are.
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