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| Car insurance - the issue no one talks about (1994071) | |
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| (1994071) | |
Car insurance - the issue no one talks about |
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Posted by Peter Rosa on Sat Aug 10 11:10:19 2024 My car insurance has increased 25% in the past year despite no claims, a perfect driving record, a car that's gotten a year older, and living in what seems like a relatively low-risk suburban area. From what I've gathered my experience is not at all unusual. Car insurance is becoming a real financial burden for more and more people, and of course more spending on it means less spending on everything else.Of course, the government will do nothing. |
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| (1994073) | |
Re: Car insurance - the issue no one talks about |
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Posted by Fisk Ave Jim on Sat Aug 10 11:19:04 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. Where you live is the key, in addition to what kind of car you drive. That said, the govt should do nothing & let the free enterprise/market control the rates. We have enough govt controls in this country. Competition is the name of the game.Like Smokey Robinson and the Miracles said..."Shop Around"! |
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| (1994074) | |
Re: Car insurance - the issue no one talks about |
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Posted by AlM on Sat Aug 10 11:21:06 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. 1. What do we mean no one talks about it? I read about it all the time.2. We don't have a socialist government. And even if we did, the current Supreme Court would almost certainly rule price controls to be unconstitutional. |
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| (1994075) | |
Re: Car insurance - the issue no one talks about |
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Posted by mtk52983 on Sat Aug 10 11:55:29 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. Thanks for confirming that you are a socialist. Plenty of people talk about it. The biggest driver (pun intended) of this is the lack of production has drastically increased the cost of replacement parts so more vehicles are being declared total losses. |
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| (1994076) | |
Re: Car insurance - the issue no one talks about |
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Posted by Peter Rosa on Sat Aug 10 12:20:09 2024, in response to Re: Car insurance - the issue no one talks about, posted by mtk52983 on Sat Aug 10 11:55:29 2024. The biggest driver (pun intended) of this is the lack of production has drastically increased the cost of replacement parts so more vehicles are being declared total losses.According to a piece I read in (IIRC) Jalopnik, 25% of crash claims result in total losses today vs. 10% pre-Covid. Replacement parts can be impossible to obtain. Another consequence of Covid is that driving seems to be much worse and there is still a lot less police enforcement than before. |
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| (1994078) | |
Re: Car insurance - the issue no one talks about |
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Posted by AlM on Sat Aug 10 12:28:49 2024, in response to Re: Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 12:20:09 2024. Yeah, it's not only the cost of cars. My liability-only car insurance is costing a lot more these days too. |
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| (1994081) | |
Re: Car insurance - the issue no one talks about |
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Posted by BILLBKLYN on Sat Aug 10 13:45:45 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. You're (we're) paying for the uninsured who get into accidents with the ensured. |
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| (1994082) | |
Re: Car insurance - the issue no one talks about |
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Posted by BILLBKLYN on Sat Aug 10 13:56:07 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. You're (we're) paying for the uninsured who get into accidents with the insured. |
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| (1994086) | |
Re: Car insurance — the issue no one talks about? |
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Posted by Olog-hai on Sat Aug 10 14:18:31 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. Wow, you really do live under a rock.The same thing happened in the 1990s in Democrat/RINO strongholds. Only by reversing regulation did rates go down. You don't recall the insurance companies fleeing NY and NJ back then, or were you too young or something? The government caused this. Of course they will "do nothing" unless you oust them and replace them with non-leftists. |
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| (1994109) | |
Re: Car insurance - the issue no one talks about |
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Posted by bingbong on Sat Aug 10 16:36:50 2024, in response to Re: Car insurance - the issue no one talks about, posted by Fisk Ave Jim on Sat Aug 10 11:19:04 2024. There's a lot of things to consider about insurance companies. Like if they'll pay the bill. Like if they steer you to their shops and get you an inferior repair. Like they won't arbitrarily total your car. Sometimes it's worth paying a touch more for the service you'll get when the chips are down and the tires are flat.I don't think allowing "free enterprise" run the show is necessarily what we want. Especially since car insurance is mandatory in most states now. |
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| (1994111) | |
Re: Car insurance - the issue no one talks about |
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Posted by mtk52983 on Sat Aug 10 16:42:56 2024, in response to Re: Car insurance - the issue no one talks about, posted by bingbong on Sat Aug 10 16:36:50 2024. Free enterprise is always a better solution |
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| (1994112) | |
Re: Car insurance - the issue no one talks about |
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Posted by bingbong on Sat Aug 10 16:46:11 2024, in response to Re: Car insurance - the issue no one talks about, posted by mtk52983 on Sat Aug 10 16:42:56 2024. No, it isn't. |
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| (1994113) | |
Re: Car insurance - the issue no one talks about |
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Posted by AlM on Sat Aug 10 16:56:52 2024, in response to Re: Car insurance - the issue no one talks about, posted by mtk52983 on Sat Aug 10 16:42:56 2024. Free enterprise is always a better solutionYeah, the private railroads will do a much better job of passenger rail service. (Oops, sorry, on-topic.) PS. I do have memories of riding the New Haven Railroad and Penn Central. |
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| (1994114) | |
Re: Car insurance - the issue no one talks about |
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Posted by Train Dude on Sat Aug 10 17:03:10 2024, in response to Re: Car insurance - the issue no one talks about, posted by bingbong on Sat Aug 10 16:46:11 2024. Fucking communist bitch. |
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| (1994116) | |
Re: Car insurance - the issue no one talks about |
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Posted by Fisk Ave Jim on Sat Aug 10 17:05:50 2024, in response to Re: Car insurance - the issue no one talks about, posted by AlM on Sat Aug 10 16:56:52 2024. Apples/Oranges deal. Insurance companies make $$$. New Haven & Penn Central RRs did not. |
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| (1994117) | |
Re: Car insurance - the issue no one talks about |
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Posted by AlM on Sat Aug 10 17:13:53 2024, in response to Re: Car insurance - the issue no one talks about, posted by Fisk Ave Jim on Sat Aug 10 17:05:50 2024. mtk said private enterprise is always the better solution. I was pointing out a counterexample. |
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| (1994119) | |
Re: Car insurance - the issue no one talks about |
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Posted by DANd124 on Sat Aug 10 18:23:16 2024, in response to Re: Car insurance - the issue no one talks about, posted by AlM on Sat Aug 10 11:21:06 2024. 2. We don't have a socialist government. And even if we did, the current Supreme Court would almost certainly rule price controls to be unconstitutional.What the government can do is lock criminals up so they don't steal things. |
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| (1994120) | |
Re: Car insurance - the issue no one talks about |
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Posted by Olog-hai on Sat Aug 10 18:24:19 2024, in response to Re: Car insurance - the issue no one talks about, posted by Fisk Ave Jim on Sat Aug 10 17:05:50 2024. Wow, these threads get hijacked quickly, don't they. |
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| (1994121) | |
Re: Car insurance - the issue no one talks about |
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Posted by DANd124 on Sat Aug 10 18:26:10 2024, in response to Re: Car insurance - the issue no one talks about, posted by DANd124 on Sat Aug 10 18:23:16 2024. People defending the riots in 2020 said it wasn't a big deal because the costs would be paid by insurance. Now insurance companies are passing on the costs to customers. |
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| (1994123) | |
Re: Car insurance - the issue no one talks about |
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Posted by AlM on Sat Aug 10 18:58:24 2024, in response to Re: Car insurance - the issue no one talks about, posted by DANd124 on Sat Aug 10 18:26:10 2024. What do the views of people defending the riots have to do with this conversation? Any more than the views of, say, Vladimir Putin? |
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| (1994125) | |
Re: Car insurance - the issue no one talks about |
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Posted by AlM on Sat Aug 10 19:00:11 2024, in response to Re: Car insurance - the issue no one talks about, posted by Olog-hai on Sat Aug 10 18:24:19 2024. How was this hijacking the thread? It was relevant to the discussion.Free enterprise is always a better solution |
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| (1994126) | |
Re: Car insurance - the issue no one talks about |
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Posted by DANd124 on Sat Aug 10 19:02:30 2024, in response to Re: Car insurance - the issue no one talks about, posted by AlM on Sat Aug 10 18:58:24 2024. So is your opinion that insurance companies cover the costs out of pocket without passing it on? |
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| (1994128) | |
Re: Car insurance - the issue no one talks about |
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Posted by DANd124 on Sat Aug 10 19:08:06 2024, in response to Re: Car insurance - the issue no one talks about, posted by DANd124 on Sat Aug 10 19:02:30 2024. Here's an article about the effect of wildfire(many of them arson) on insurance in California.https://www.npr.org/2023/06/14/1182238344/californias-wildfire-risk-is-so-high-and-costly-some-insurers-are-leaving-the-st, |
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| (1994130) | |
Re: Car insurance - the issue no one talks about |
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Posted by Spider-Pig on Sat Aug 10 19:14:19 2024, in response to Re: Car insurance - the issue no one talks about, posted by mtk52983 on Sat Aug 10 16:42:56 2024. IAWTP |
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| (1994131) | |
Re: Car insurance - the issue no one talks about |
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Posted by Spider-Pig on Sat Aug 10 19:15:45 2024, in response to Re: Car insurance - the issue no one talks about, posted by DANd124 on Sat Aug 10 18:23:16 2024. They can also deport people who drive without insurance. |
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| (1994133) | |
Re: Car insurance - the issue no one talks about |
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Posted by Fisk Ave Jim on Sat Aug 10 19:19:44 2024, in response to Re: Car insurance - the issue no one talks about, posted by AlM on Sat Aug 10 17:13:53 2024. Understood. "Always" is rare. There are "always" excerptions when you look deep enough. |
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| (1994134) | |
Re: Car insurance - the issue no one talks about |
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Posted by Fisk Ave Jim on Sat Aug 10 19:21:24 2024, in response to Re: Car insurance - the issue no one talks about, posted by Olog-hai on Sat Aug 10 18:24:19 2024. Just roll with it. This forum is not "Meet The Press" |
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| (1994135) | |
Re: Car insurance - the issue no one talks about |
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Posted by AlM on Sat Aug 10 19:25:52 2024, in response to Re: Car insurance - the issue no one talks about, posted by DANd124 on Sat Aug 10 19:08:06 2024. And?I never said that crime is not part of high rates. I know very well that it is. I just don't understand what the opinions of the idiots you cited have to do with anything. Would you bring up the opinions of Mexican cartel leaders when discussing illegal drugs? |
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| (1994137) | |
Re: Car insurance - the issue no one talks about |
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Posted by Dand124 on Sat Aug 10 19:33:11 2024, in response to Re: Car insurance - the issue no one talks about, posted by AlM on Sat Aug 10 19:25:52 2024. They made it sound like the insurance companies would just cover the cost and not pass it on to customers. |
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| (1994141) | |
Re: Car insurance - the issue no one talks about |
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Posted by Olog-hai on Sat Aug 10 20:03:27 2024, in response to Re: Car insurance - the issue no one talks about, posted by Fisk Ave Jim on Sat Aug 10 19:21:24 2024. Well, I'm glad about that at least.I do have to say that outfits like the PC and predecessors were victims of punitive taxation and regulations. |
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| (1994142) | |
Re: Car insurance - the issue no one talks about |
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Posted by Fisk Ave Jim on Sat Aug 10 20:27:02 2024, in response to Re: Car insurance - the issue no one talks about, posted by Olog-hai on Sat Aug 10 20:03:27 2024. Maybe so. What doesn't make sense is that all that govt dictated "punitive taxation and regulations" would hasten their dive into bankruptcy and then need govt bailouts to save them. So all the $$$ they got from the taxation had to be given back in the form of subsidy's, loans and bailouts within bankruptcy protection.Something aint right here. |
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| (1994147) | |
Re: Car insurance - the issue no one talks about |
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Posted by Train Dude on Sat Aug 10 21:11:56 2024, in response to Re: Car insurance - the issue no one talks about, posted by AlM on Sat Aug 10 17:13:53 2024. Really? What publicly funded rail service shows a profit? |
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| (1994152) | |
Re: Car insurance - the issue no one talks about |
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Posted by https://salaamallah.com/ on Sat Aug 10 22:19:41 2024, in response to Re: Car insurance - the issue no one talks about, posted by Fisk Ave Jim on Sat Aug 10 11:19:04 2024. BULLZSJHIT !!!!SAME RATES EVERYWHERE SAME RATES EVERYWHERE YOU SHOP AROUND LOOKING EVERYWHERE !!\\ NO BREAK NO RELIEF JUST SKY HIGHER AND HIGHER RATES ALL 0VER EVERYWHERE !!!!!!!!!!! !@##w%^e%$^e$a&^t&ie$%t%^(t^^^&ou*o)**pio_p{y&^^e$%w# |
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| (1994169) | |
Re: Car insurance - the issue no one talks about |
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Posted by bingbong on Sun Aug 11 10:16:48 2024, in response to Re: Car insurance - the issue no one talks about, posted by Train Dude on Sat Aug 10 21:11:56 2024. Amtrak's Auto train, Northeast corridor and Acela are the three profitable rail lines they operate. That's why these lines are the focus of funds to improve and expand service. |
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| (1994183) | |
Re: Car insurance - the issue no one talks about |
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Posted by https://salaamallah.com/ on Sun Aug 11 12:46:17 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. IT IS TOO DAMMED HIGH ^^^^^^^^^ |
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| (1994186) | |
Re: Car insurance - the issue no one talks about |
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Posted by Orange Blossom Special on Sun Aug 11 12:58:49 2024, in response to Car insurance - the issue no one talks about, posted by Peter Rosa on Sat Aug 10 11:10:19 2024. I found out I'm paying more or the same for living in a no-where "nice" area as I would in a big crime ridden city.Some of the companies are shit too. My rates if I shop around could double or triple depending on the company All of this junk about zip codes, color of car, etc. is nonsense. And if the gov't obamacared or student loaned the auto insurance industry, look for that to be unaffordable too. |
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| (1994194) | |
Re: Car insurance - the issue no one talks about |
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Posted by Peter Rosa on Sun Aug 11 13:14:35 2024, in response to Re: Car insurance - the issue no one talks about, posted by Orange Blossom Special on Sun Aug 11 12:58:49 2024. Switching companies might lead to some savings for the first six months but then the rates usually will go up. In addition, if you've been with the same company for a number of years they may give you a break if you make a claim. |
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| (1994201) | |
Re: Car insurance - the issue no one talks about |
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Posted by Orange Blossom Special on Sun Aug 11 14:41:02 2024, in response to Re: Car insurance - the issue no one talks about, posted by Peter Rosa on Sun Aug 11 13:14:35 2024. So far so good, but scared to death that at any moment they'll figure out they can charge me 225% more and be in line with everyone else."In addition, if you've been with the same company for a number of years they may give you a break if you make a claim." I don't believe this. This may have been the case in 1990, but everything is automated and outsourced. I don't see anything in the system that show me there is a cog that will give me a break upon seeing my longevity. Maybe I missed something, but in my experience with 21st century corporate, I think this is a myth from some simpler time. Unless some AGFA or USAA company does it. |
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| (1994207) | |
Re: Car insurance - the issue no one talks about |
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Posted by 3-9 on Sun Aug 11 15:14:50 2024, in response to Re: Car insurance - the issue no one talks about, posted by Fisk Ave Jim on Sat Aug 10 20:27:02 2024. Well, it did get the govt off their backs about passenger rail, but it was too little, too late. You think Penn Central let itself fail on purpose so that the govt would take it's unprofitable rail operations off its hands? Not the first time a business expected the govt to bail them out. Now Penn Central is a profitable real estate company. |
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| (1994208) | |
Re: Car insurance - the issue no one talks about |
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Posted by 3-9 on Sun Aug 11 15:16:43 2024, in response to Re: Car insurance - the issue no one talks about, posted by bingbong on Sun Aug 11 10:16:48 2024. They can cover their operating costs, but the capital costs are something else. |
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| (1994209) | |
Re: Car insurance - the issue no one talks about |
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Posted by 3-9 on Sun Aug 11 15:17:17 2024, in response to Re: Car insurance - the issue no one talks about, posted by AlM on Sat Aug 10 17:13:53 2024. Health insurance is another. |
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| (1994210) | |
Re: Car insurance - the issue no one talks about |
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Posted by 3-9 on Sun Aug 11 15:26:41 2024, in response to Re: Car insurance - the issue no one talks about, posted by BILLBKLYN on Sat Aug 10 13:56:07 2024. But doesn't that assume that one of the drivers has coverage in case the other driver is at fault and isn't insured or has crappy insurance? Otherwise, the first driver's insurance company is off the hook. |
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| (1994213) | |
Re: Car insurance - the issue no one talks about |
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Posted by BILLBKLYN on Sun Aug 11 15:42:30 2024, in response to Re: Car insurance - the issue no one talks about, posted by 3-9 on Sun Aug 11 15:26:41 2024. The insured can make their own company pay. |
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| (1994216) | |
Re: Car insurance - the issue no one talks about |
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Posted by Train Dude on Sun Aug 11 16:17:13 2024, in response to Re: Car insurance - the issue no one talks about, posted by bingbong on Sun Aug 11 10:16:48 2024. Amtrak as an entity is not profitable. If you are going to pick out one or two products that are profitable and say they are representative of Amtrak in total, that is dishonest. |
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| (1994218) | |
Re: Car insurance - the issue no one talks about |
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Posted by Fisk Ave Jim on Sun Aug 11 16:41:35 2024, in response to Re: Car insurance - the issue no one talks about, posted by 3-9 on Sun Aug 11 15:14:50 2024. Penn Central was top heavy with duplicate freight lines in many areas.Duplicate lines meant duplicate redundant crews and maintenance with a huge payroll.. They were more than happy when Amtrak took over long distance & commuter services were spun off to state agencies. When Penn Central was forced to include the New Haven in the merger, that was just another ball and chain around the neck. The govt had no choice but to bail PC out. |
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| (1994221) | |
Re: Car insurance - the issue no one talks about |
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Posted by bingbong on Sun Aug 11 16:59:37 2024, in response to Re: Car insurance - the issue no one talks about, posted by Train Dude on Sun Aug 11 16:17:13 2024. Where did I say? Why are inferring I said anything different. YOU asked:Really? What publicly funded rail service shows a profit? The Auto train, Northeast region and Acela DO. They are the only publicly funded rail services that do. What is so difficult or confusing about that? |
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| (1994231) | |
Re: Car insurance - the issue no one talks about |
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Posted by Train Dude on Sun Aug 11 19:20:45 2024, in response to Re: Car insurance - the issue no one talks about, posted by bingbong on Sun Aug 11 16:59:37 2024. They are patt of Amtrak and amtrak as a whole does not make money. You are being dishonest again. |
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| (1994244) | |
Re: Car insurance - the issue no one talks about |
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Posted by bingbong on Sun Aug 11 21:58:50 2024, in response to Re: Car insurance - the issue no one talks about, posted by Train Dude on Sun Aug 11 19:20:45 2024. They are publicly funded rail lines. I am not aware of any other rail lines than Amtrak, excluding light commuter focused rail around some major cities. Given how unprofitable NYCT,LIRR etc are I doubt there’s any. Only the three mentioned do provide a profit for Amtrak. AFAIK, there are no others.I was never dishonest. And its getting annoying that you keep saying I was. Three Amtrak lines are profitable, why is that so hard for you to understand? Stop being stupid. |
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| (1994248) | |
Re: Car insurance - the issue no one talks about |
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Posted by Olog-hai on Sun Aug 11 22:11:01 2024, in response to Re: Car insurance - the issue no one talks about, posted by Fisk Ave Jim on Sun Aug 11 16:41:35 2024. The government wanted to bail PC out as an excuse for what followed—government takeover in the form of Conrail. Otherwise they would have deregulated much earlier.Is any road a "duplicate" of any other? Why then are railroad lines tarred with that brush? |
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| (1994249) | |
Re: Car insurance - the issue no one talks about |
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Posted by Train Dude on Sun Aug 11 22:12:57 2024, in response to Re: Car insurance - the issue no one talks about, posted by bingbong on Sun Aug 11 21:58:50 2024. Who are you calling stupid, you miserable cunt? Amtrak is comprised of more than 3 routes and overall, loses money. Why is that so fucking hard for you tobunderstand? |
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