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Old 02-24-2010, 09:54 AM   #451 (permalink)
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Originally Posted by Mr. Polonia View Post
The thing with car insurance that pisses me off is that you pay them, lets say 2 grand over a yr,
and u dont get into an accident for 15 yrs of driving, when u add all that up, its 30 grand that you paid them for nothing. And evn if u do get into an accident that was ur fault, they raise ur premium..
Umm hello...what happened to the 30 grand i paid u for 15yrs of safe driving?
I understand that frustration. It's always a gamble but it's there in case an accident happens to protect your ass and cover your vehicle. It's better to have it just for when you need it than not at all.

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Car insurance is the biggest scam ever!! You should pay them monthly, if nothing happens, then that must should accumulate in your own personal " Car Insurance Bank " and if something happens, then they will take that out of ur account.
That is not exactly a sound way of stating it. If it accumulates in your own insurance bank let's say 30k, and something happens that costs over 30k then you're screwed. I believe you're trying to say they should cover us from day 1 AND have our money be rolled over so that after 10 years or so, we shouldn't have to pay them a dime anymore? Is that the plan? There is a method called saving up your money, you don't need to have an insurance policy for this.

Pay yourself whatever you pay now, store it in a safe and drop you insurer then. If you total your vehicle and/or are at fault in a collision, that money is going to look like pennies and nickles when your butt gets sued for having no funds to cover their medical expense as well as losing your vehicle and having to pay for everything else. Of course your rate is going to go up if you're at fault in an accident; you're a more of a liability to them to use their money. If you have a record of incidents then you're getting more than your money's worth so of course they're gonna jack it up to make you pay some more for the breakfast, lunch, and dinner buffet topped off with dessert.

From a medical, at fault in collision, property damage, and legal perspective an insurer makes sense. If you don't think any of this could happen to you and look from just "fixing the car" perspective, then save up your own money and drop your insurer. I wouldn't recommend it.

The biggest scam of all time actually is the printed money we use, ask me why.
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Last edited by Vlaze; 02-24-2010 at 09:58 AM.
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Old 02-24-2010, 10:04 AM   #452 (permalink)
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That is not exactly a sound way of stating it. If it accumulates in your own insurance bank let's say 30k, and something happens that costs over 30k then you're screwed. I believe you're trying to say they should cover us from day 1 AND have our money be rolled over so that after 10 years or so, we shouldn't have to pay them a dime anymore? Is that the plan? There is a method called saving up your money, you don't need to have an insurance policy for this.
Alright let me rephrase that...my anger did the typing.

Im 28 and been driving since 17 accident free. **knock on wood**
I live in NYC where of course, the accident rates are great than in Bumfuck, Nebraska pop. 162

Think of all the money i put into Geico and Allstate combined. Of course all that money i gave them is probably covering Jane Doe who is talking on the texting,driving and putting on make-up and constantly getting into fender-benders.

But why should I get punished for moving into a new neighborhood and having my monthly premium raised??
Dont i deserve a discount or a slap on the wrists if i do get into an accident after 20yrs of safe driving?

Its like, you do a good job, you get the boot.
You eff up, you get 2 boots
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Old 02-24-2010, 10:07 AM   #453 (permalink)
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From a medical, at fault in collision, property damage, and legal perspective an insurer makes sense. If you don't think any of this could happen to you and look from just "fixing the car" perspective, then save up your own money and drop your insurer. I wouldn't recommend it.
From a medical stand point, YES, insurance is a good pay off. And like u said yourself, its a gamble.
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Old 02-24-2010, 10:15 AM   #454 (permalink)
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But why should I get punished for moving into a new neighborhood and having my monthly premium raised?? Don't i deserve a discount or a slap on the wrists if i do get into an accident after 20yrs of safe driving?

Its like, you do a good job, you get the boot.
You eff up, you get 2 boots
I think you're viewing it wrong. You're not being "punished", they increase the rate based on statistical averages of accidents that occur in the said area along with driver's ages. It means no matter how good a driver you are, they're increasing it believing someone else is more than likely to hit you contrast to where you lived last time. Again it comes back to the gamble theory.

There are some insurers I believe that reward you such as All State in regards to having a good record wave by the 1st accident and so forth. Crappy? Yes, but better than nothing.

If I were you, I would work on negotiating skills with them showing your records and working with different insurers to get the rate down. Once they know you're a good driver and the fact you have other options at your disposal instead of just that one insurer (even if they offered you the lowest rate in that area) they'll be willing to negotiate a better rate.
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Old 02-24-2010, 10:25 AM   #455 (permalink)
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If I were you, I would work on negotiating skills with them showing your records and working with different insurers to get the rate down. Once they know you're a good driver and the fact you have other options at your disposal instead of just that one insurer (even if they offered you the lowest rate in that area) they'll be willing to negotiate a better rate.
I had State Farm when i was in the military and lived in north dakota and at the time i was happy with the rates paying for my cavalier. $110 a month...cant beat that.

Then after my tour, moved back to NYC sold the cavalier, got myself a new Civic SI and statefarm said...ok..cough up $475/mo.
I dumped statefarm and got geico. was happy with my premium, until they raised it by $120/mo once i moved from Queens to Brooklyn.
Then i got allstate, was happy until now when some new statistics came out and again the premium got raised.

I think i did all the negotiating that i could. I have no choice BUT to stck with allstate beacuse of theyre accident forgiveness and all the other nuts and bolts
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Old 02-25-2010, 08:21 AM   #456 (permalink)
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Today I hate myself.

If I didn't fuck up my shoulder, I'd be at Jay Peak right now, about to ride in the best conditions I've ever experienced, with the best group of riders I've ever rode with.

I missed a week-long shred/party session, because I tried to hit a jump that I have not the skills for.... and by the time i get better, the season will be over.

fucking great... i'm sooooooo pissed, and there's nothing i can do to make myself feel better.
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Old 02-25-2010, 08:26 AM   #457 (permalink)
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Today i hat waiting.... my MIL went to hospital last night with heart *issues* wont find out anything until later today i guess. I hate that my hubby is a wreck and there is nothing i can do for him.
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Old 02-25-2010, 02:07 PM   #458 (permalink)
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School ski clubs.

Groups of 3 thought they were all gonna go up without alternating lift lines, just three chairs full from the same line. Then the ski club supervisors, not kids, people in their 50s or 60's thought they would snake me in line, I don't fucking think so. Rode right over his stupid skis.
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Old 02-25-2010, 02:53 PM   #459 (permalink)
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School ski clubs.

Groups of 3 thought they were all gonna go up without alternating lift lines, just three chairs full from the same line. Then the ski club supervisors, not kids, people in their 50s or 60's thought they would snake me in line, I don't fucking think so. Rode right over his stupid skis.
you are an angry man. you should seek help.










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Old 02-25-2010, 03:30 PM   #460 (permalink)
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Rode right over his stupid skis.
today some dick with an X8 rode over my brand new skiis.
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