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Questions About Auto Insurance & Accidents

5324 messages,  Last post on May 09, 2013 at 1:37 PM

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What is this discussion about? Buying Insurance

Messages Page 514 of 534

#5122 of 5324 Re: Insurance [steve_] by victor23

Oct 18, 2012 (9:49 am)

Replying to: steve_ (Oct 18, 2012 9:41 am)
and I love my mp3
 
I like it too. But I have to admit that since even the basic tune info (singer, title) and music file navigation (folder browsing) became available, it became more of a distraction than I would be comfortable with.

#5123 of 5324 Re: Insurance [steve_] by euphonium

Oct 18, 2012 (10:38 am)

Replying to: steve_ (Oct 18, 2012 9:41 am)
then have them raise my rates? Previous to your being at fault, you fooled the company into believing you deserved "Preferred" rates. Now that they know what your driving ability really is, you are regarded accordingly with their Standard rate. And that is as it should be.

#5124 of 5324 Re: Insurance [euphonium] by steve_ HOST

Oct 18, 2012 (10:47 am)

Replying to: euphonium (Oct 18, 2012 10:38 am)
Maybe I was at fault because of the bee that got in the car and that's why I rear-ended the guy in front of me. Is there an actuarial table for that?
 
Since I moved, I've been with the same insurance company for two years now. Almost a record.

#5125 of 5324 Re: Insurance [steve_] by busiris

Oct 18, 2012 (2:20 pm)

Replying to: steve_ (Oct 18, 2012 10:47 am)
Having grown up with a neighbor that has been a life-long insurance actuary (several math degrees), and me being 58 now, she has told me stories that I found hard to believe, but to answer your question, according to her it wouldn't be any surprise to see actuarial tables on "bees, birds, skunks, etc." causing driving distractions/accidents.
 
The availability of computerized models at low costs help make a myriad of actuarial charts easier to compile and update.

#5126 of 5324 Re: Insurance [busiris] by Mr_Shiftright HOST

Oct 19, 2012 (8:14 am)

Replying to: busiris (Oct 18, 2012 2:20 pm)
The American public has become completely desensitized to the carnage occurring on public roads. If, for instance, instead of 40,000 dead Americans from highway fatalities, we demanded sacrifice of 40,000 Americans a year to the god Kali, there would be national outrage. But we seem content to give up a football stadium full of people every year as just part of life's risk,a risk that most of us are willing to take.

#5128 of 5324 Cost of Repairs by houdini1

Oct 19, 2012 (8:36 am)

A friend of mine who drives a Ford F150 P.U., recently had his driver side rear view mirror taken off by a city bus. A weird accident, and no other damage was done. I was astounded that the repair estimate was over $1800.

#5129 of 5324 Re: Insurance [Mr_Shiftright] by kirstie_h HOST

Oct 19, 2012 (8:55 am)

Replying to: Mr_Shiftright (Oct 19, 2012 8:14 am)
Not really a fair comparison. Most Americans would be outraged at sacrifice to the god Kali because they would not perceive any benefit. Plus, that would be a guaranteed death of 40,000 Americans, without regard to whether they had any input into their demise.
 
Most Americans DO see a benefit to the risk of driving. I'm less concerned about dying in an auto accident than I am wasting precious hours of my life trying to get from point A to point B. Sure, I could walk to the grocery, at a cost of 1 hour of my life every day (every day, because there's only so much I can carry). I could walk to the nearest bus station, 20 miles away, when I want to visit my parents, and then walk another 5 miles to their house. But why?
 
Plus, there are plenty of traffic deaths that are avoidable or caused by the person who meets their demise - alcohol, distraction/inattention, inadequate safety features in vehicle or failure to use features (seatbelts, headlights), driving in known dangerous conditions (icy roads)... there are choice that affect your likelihood of survival.

#5130 of 5324 Re: Insurance [kirstie_h] by Mr_Shiftright HOST

Oct 19, 2012 (9:20 am)

Replying to: kirstie_h (Oct 19, 2012 8:55 am)
Alcohol and smoking deaths are self-inflicted but on the highway there are people ready to kill you. There is a difference there.
 
Think about how long it took for tougher drunk-driving laws. Or think about how anyone with a body temperature of 98.6 can pass our ridiculously simple driving tests and go out any buy a 600 HP car. Scary stuff.

#5131 of 5324 Re: Insurance [Mr_Shiftright] by fezo

Oct 19, 2012 (9:28 am)

Replying to: Mr_Shiftright (Oct 19, 2012 9:20 am)
Driving advice.

Messages Page 514 of 534

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