Hagerty Insurance

[Camaro_Fuzion]

USAA is also great for anyone who has served in the military, I'm a member.

[MSgt O]

USAA doesnt cover mods anymore, not for like 5 years now...

[RupertPupkin]

I'm claiming 35k value, 50/100 across the board, and 25 for property damage. 0 deduct for non collision and 500$ for collision. It's @ 115$ a month

[Danial]

[QUOTE=Aqua Blue RS/SS;11224313]Hell yea I did, knocked my monthly insurance bill with geico almost in half.

/QUOTE]

Good to know! I actually don't have much concern over coverage amounts. I am just anti-insurance as a matter of principal and so the less I can pay, the better.

I think government mandated auto insurance was institued primarily to benefit insurance companies and the legislators they backed, that passed this requirement back when I was about 16 years old.

If I am going to take the risk to drive my cars on the road, then I should be able to decide if I want to pay for insurance. If I decide to not buy insurance that's on me. I know I sound like the odd man out here, but my position is solid. If I am concerned about the risk of someone uninsured hitting me, then it should be on me to make the decision to buy uninsured motorist protection. This should not be mandated by government or by insurance companies that make hefty donations to political parties in order to keep this charade going.

[Aqua Blue RS/SS]

[QUOTE=Danial;11224472]

Originally Posted by Aqua Blue RS/SS

Hell yea I did, knocked my monthly insurance bill with geico almost in half.

/QUOTE]

Good to know! I actually don't have much concern over coverage amounts. I am just anti-insurance as a matter of principal and so the less I can pay, the better.

I think government mandated auto insurance was institued primarily to benefit insurance companies and the legislators they backed, that passed this requirement back when I was about 16 years old.

If I am going to take the risk to drive my cars on the road, then I should be able to decide if I want to pay for insurance. If I decide to not buy insurance that's on me. I know I sound like the odd man out here, but my position is solid. If I am concerned about the risk of someone uninsured hitting me, then it should be on me to make the decision to buy uninsured motorist protection. This should not be mandated by government or by insurance companies that make hefty donations to political parties in order to keep this charade going.

I do not disagree, in the same token; if I don’t want to wear my seatbelt that’s my prerogative and I know the consequences. I don’t need big brother in my life any more than absolutely necessary.

[Royal Tiger]

Originally Posted by Danial

Good to know! I actually don't have much concern over coverage amounts. I am just anti-insurance as a matter of principal and so the less I can pay, the better.

I think government mandated auto insurance was institued primarily to benefit insurance companies and the legislators they backed, that passed this requirement back when I was about 16 years old.

If I am going to take the risk to drive my cars on the road, then I should be able to decide if I want to pay for insurance. If I decide to not buy insurance that's on me. I know I sound like the odd man out here, but my position is solid. If I am concerned about the risk of someone uninsured hitting me, then it should be on me to make the decision to buy uninsured motorist protection. This should not be mandated by government or by insurance companies that make hefty donations to political parties in order to keep this charade going.

So if I’m driving along minding my own business and you plow into me, that’s my responsibility to have uninsured motorist coverage? I’ll pass on that bullshit.

[Danial]

Originally Posted by Royal Tiger

So if I’m driving along minding my own business and you plow into me, that’s my responsibility to have uninsured motorist coverage? I’ll pass on that bullshit.

You took the risk - why shouldn't you pay for taking it? On the flip side, there is always civil court. That's why we have them. Why should I pay for you taking the risk? Should I also pay for your home owner's insurance? You know, in case my fat ass combined with yours, falls through the porch?

[morepowerjoe]

[QUOTE=Aqua Blue RS/SS;11224481]

Originally Posted by Danial

I do not disagree, in the same token; if I don’t want to wear my seatbelt that’s my prerogative and I know the consequences. I don’t need big brother in my life any more than absolutely necessary.

The problem with that scenario (I'm not saying you) that a lot of people out there don't have bodily injury high enough on their insurance and their health insurance won't cover your accident related bills because you choose to not wear your seat belt. Then WHO pays for your stupid decision not to wear your seat belt.

[Danial]

[QUOTE=morepowerjoe;11224491]

Originally Posted by Aqua Blue RS/SS

The problem with that scenario (I'm not saying you) that a lot of people out there don't have bodily injury high enough on their insurance and their health insurance won't cover your accident related bills because you choose to not wear your seat belt. Then WHO pays for your stupid decision not to wear your seat belt.

In this country, medical establishments harass you for payment until you die. No one paid my medical bills. I did. As I should have. It took years, but I did.

I realize there is a segment that falls under the radar who don't have an ability to pay, I get that. That's why we pay taxes - to catch those folks with medicaid or whatever state health plan they have.

[morepowerjoe]

[QUOTE=Danial;11224492]

Originally Posted by morepowerjoe

In this country, medical establishments harass you for payment until you die. No one paid my medical bills. I did. As I should have. It took years, but I did.

I realize there is a segment that falls under the radar who don't have an ability to pay, I get that. That's why we pay taxes - to catch those folks with medicaid or whatever state health plan they have.

Ok so where do your bills go when you die? Do they magically go away or does the tax tayer pay for that too?

[Danial]

[QUOTE=morepowerjoe;11224494]

Originally Posted by Danial

Ok so where do your bills go when you die? Do they magically go away or does the tax tayer pay for that too?

Having a family member in the medical billing field allows me to answer that with some second hand authority - the practice is to attach the estate if the bills are large enough. If the estate can't pay it or the bills are small enough, they just go away. This has been pretty much the norm for decades. In the case of my grandmother, she racked up $50,000 plus, before she died. They asked my grandfather if he could pay it and he said he could give them $100 a month. They accepted that. When he passed, the bill was absorbed by the hospital. There were no tax payers involved.

Now if you have a complaint about medicare or medicaid or whatever state health plan you have where you're at, that's a different matter.

However, we're getting off topic here, I think. I am still against the idea of mandated/forced auto insurance. Grin!

[Royal Tiger]

Originally Posted by Danial

You took the risk - why shouldn't you pay for taking it? On the flip side, there is always civil court. That's why we have them. Why should I pay for you taking the risk? Should I also pay for your home owner's insurance? You know, in case my fat ass combined with yours, falls through the porch?

I do have uninsured coverage but you’re missing the point. Why should I pay to have to cover my own damage when it was you who caused me harm? You get off scott free, no insurance and have nothing to lose so oh well? I can sue you and be told you have nothing of value so again, oh well? It happens daily with these uninsured idiots here with no licenses. Again, no thanks.

YOU damaged my car YOU pay to fix it. If you can’t that’s why you have insurance. If you didn’t have any and can’t come up with $20k, why is that MY problem?

[Danial]

Originally Posted by Royal Tiger

I do have uninsured coverage but you’re missing the point. Why should I pay to have to cover my own damage when it was you who caused me harm? You get off scott free, no insurance and have nothing to lose so oh well? I can sue you and be told you have nothing of value so again, oh well? It happens daily with these uninsured idiots here with no licenses. Again, no thanks.

YOU damaged my car YOU pay to fix it. If you can’t that’s why you have insurance. If you didn’t have any and can’t come up with $20k, why is that MY problem?

I think you're missing my point about taking responsibility for the risks you choose to take. We shall have to disagree....grin...

As for the uninsured with no licenses, that's why YOU should be able choose to have uninsured motorist insurance. If you choose not to buy it, that's on you. The government shouldn't be forcing you to buy a product you may not want. Take the crash up in civil court. That's why we have them. Financed cars of course are a different matter. Finance companies can dictate whatever they want and if you disagree, you have the right to shop somewhere else.

[Royal Tiger]

Originally Posted by Danial

I think you're missing my point about taking responsibility for the risks you choose to take. We shall have to disagree....grin...

If everyone could write a check for $20k on the spot like you and me than maybe, the problem is a vast majority can’t. Or won’t.

I understand risk and personal responsibility fine. I’ve been in law enforcement for 27+ years and I’m a veteran. The issue is that’s it’s not my risk sitting at a red light when you are on your phone and plow into me. That’s a risk you took by breaking the law. You caused me harm, you took your risks, and you are responsible for making me whole. That’s the sad reality of why we need insurance because people can’t cover their mistakes and making the victim pay is wrong on so many levels.