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07-12-2024, 12:04 AM | #155 |
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Bro wtf? How many cars you got? 😵
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07-12-2024, 01:17 AM | #156 |
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9, and I can only drive one at a time and I have garage keepers insurance for the ones at my shop...
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07-12-2024, 08:11 AM | #157 |
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I just got my letter in the mail yesterday from State Farm; very similar to many other posts. Our condo insurance will go up about 18% and car insurance somewhere between 9% to 15% but they are "still applying for NJ Bank & Insurance approval" so it is not final yet.
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07-27-2024, 08:08 AM | #159 |
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Got my car insurance (State Farm) renewal notice in the mail the other day.
2023 M2: $684/6 months. 2024 230ix: $738/6 months. From memory -- saves me digging through my files -- the above prices are at least $100 more per 6 months than the prior 6 month premiums. Retired. Both cars are pleasure cars. No tickets. No claims since January 2018. Both cars garaged. Put around 7K miles on the M2 in a year's time. Will have about 7K miles on the 230 when its one year anniversary (Dec) rolls around. I've owned two cars since early 2002. I'm seriously thinking of selling the 230ix and just "making do" with the M2. |
07-29-2024, 09:37 PM | #160 |
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For everyone in this forum... here's a conceptual idea: If you were part of an extremely wealthy cabal with ties to banking, would you not attempt to create companies that handle insurance (for shipping, health, car, home, every aspect of life), lobby government as to mandate it, and punish anyone that does not acquiesce to this system in order to forcibly tie the populace, into a system, that you ultimately profit from at the general expense of the peasants? Just spitballing. I assume questioning widely-accepted societal conventions is frowned upon by those that have always accepted them. |
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07-30-2024, 07:36 AM | #161 | |
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Soon Powerflex diff brace, Akropovic axle back for sale. |
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07-30-2024, 03:36 PM | #162 |
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08-01-2024, 01:35 PM | #163 | |
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08-01-2024, 04:25 PM | #164 | |
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I view insurance similarly. The yambag that T-bones you and has no insurance, or a dime to his name, is why insurance is mandatory in some places. It isn't a nanny state, it is a yambag world.
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08-03-2024, 12:43 PM | #166 | ||
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I don't know of any other insurance that just covers YOUR property that is mandated? |
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08-03-2024, 06:28 PM | #167 |
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Just in case anyone is unclear on the terminology or concepts, when you get hit by an uninsured driver, your insurance doesn't pay to fix your car, even if you have "uninsured/underinsured" coverage. UI coverages are about bodily injury only. If your $100K car is totally by an uninsured motorist, your agent will tell you to pound sand. In a nice way, of course.
Your only recourse is to hire an attorney and sue for damages, assuming they can actually pay. Everyone should want mandatory auto insurance with tight enforcement.
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08-03-2024, 06:31 PM | #168 | |
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I am all for it.
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08-04-2024, 12:25 AM | #169 | |
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For example, here is a source that contradicts your opinion. https://www.cato.org/immigration-res...ion#background |
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08-04-2024, 12:57 AM | #170 | |
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If you are involved in an accident with someone that does not have insurance coverage or are involved in a hit-and-run that totals your car, uninsured motorist coverage would reimburse you for the ACV of your vehicle. This coverage is a requirement for Massachusetts auto policies. I also read that although MA had the second lowest uninsured driver rate in the country (3.5%), we border one of the 2 states in the country that do not require car insurance (NH - Live Free or Die). |
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08-04-2024, 03:09 AM | #171 | |
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08-04-2024, 04:39 AM | #172 | |
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Here in Australia, if you’re involved in an accident that isn’t your fault and you have comprehensive insurance (as opposed to third party property), you’re still best to put in your claim with your insurer and let them sort it out with the other party. I was hit by a driver that claimed she was insured, but it turns out she was insured as of an hour AFTER the crash. I had already claimed through my insurance, so I’d say rather than risk a charge for fraud she decided to pay for it. Since I went through my insurance chasing her down for the $25k+ repair wasn’t my problem. Third party injury coverage is a mandatory part of registration and is separate. |
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08-04-2024, 09:41 AM | #173 | |
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Illinois: Uninsured Motorist Bodily Injury (UM) Coverage Covers you for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no auto liability insurance. Currently, Illinois law requires uninsured motorist limits of at least $25,000 per person and $50,000 per accident."
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08-04-2024, 09:47 AM | #174 | |
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Interestingly, my wife was side-swiped by a fellow who had let his insurance lapse by a week or so. There was apparently a grace period and he paid his premium and the insurance company handled it.
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08-04-2024, 09:51 AM | #175 | |
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Her new insurer rang me to confirm the timeline of events, and I had images of the scene and her licence all time and GPS stamped. Unsurprisingly she withdrew the claim when she realised she was staring down the barrel of insurance fraud. |
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08-04-2024, 09:53 AM | #176 | |
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