[R N M]

3 Cars were stolen recently in our neighborhood. The criminals are free to continue and steal while everyone else pays for these losses.

[ASAP]

Originally Posted by dreamingat30fps

So "discriminate" based on risk factors... basically what they do now... but only the factors YOU deem worthy. I hope you get a nobel prize or something.

Originally Posted by Efthreeoh

I still really don't understand what you are saying. WTF does socialism have to do with insurance? You are still considering discrimination as bad. You're confusing the terms discrimination and prejudice. The two are not equal in meaning.

You boys must either work for insurance agencies or like being ripped off... either way, I suppose there is nothing for us to really argue here lol if you think the insurance calcs are just.

[ASAP]

Originally Posted by Efthreeoh

Even with the price increase the second half this year, compared to other's numbers here I'm not going to complain about what I pay, just the rate of increase for the 2nd half of 2023. I don't feel ripped off at all.

I've hit 5 deer in total in two of my cars in the span of 9 years that have added to about $17,000 in damage repairs. Also, another $3,000 in other animal damage (a mouse and one of my pups). So, I've pretty much broken even for the past 11 years or so. I've never had any push back for any of the repairs.

Ah... so that makes sense... then you are the leech and I am the payer. You use and I and others pay for you. Now it's clear... my proposal would make it very costly for you, wheras my rates wouldnt go up seemingly 30% for no reason of my own... like I said, nothing for us to argue here.

[RM7]

Originally Posted by ASAP

Ah... so that makes sense... then you are the leech and I am the payer. You use and I and others pay for you. Now it's clear... my proposal would make it very costly for you, wheras my rates wouldnt go up seemingly 30% for no reason of my own... like I said, nothing for us to argue here.

Sounds like you don't even need insurance.

[ASAP]

Originally Posted by RM7

Sounds like you don't even need insurance.

But see, that's where you're wrong... FL law mandates it.

[dreamingat30fps]

Originally Posted by ASAP

Ah... so that makes sense... then you are the leech and I am the payer. You use and I and others pay for you. Now it's clear... my proposal would make it very costly for you, wheras my rates wouldnt go up seemingly 30% for no reason of my own... like I said, nothing for us to argue here.

Dude you make no sense at all. You can't even keep a consistent argument. You don't want "discrimination" but are now whining that he's a "leech" because he's hit half the deer in town. Maybe his rate IS more than yours BECAUSE he's hit a bunch of deer. Maybe the insurance knows that people who live in the middle of nowhere hit more deer than people in NYC.

Seems you're just upset because YOU don't know the exact formulation used and all the factors they take into account. So it SEEMS random when in fact it's risk based just like your earth shattering solution.

Originally Posted by ASAP

But see, that's where you're wrong... FL law mandates it.

It only requires liability so when you wreck someones car they are not left hanging.

Personally I would love if car insurance were cheaper, hell I want it to be free and I think everyone should be a billionaire. Unfortunately I live in reality.

[KevinC]

Originally Posted by Efthreeoh

I still really don't understand what you are saying.

I gave up trying about 2 pages back. Delusional.

[RM7]

Originally Posted by ASAP

But see, that's where you're wrong... FL law mandates it.

But if you never get in an accident or do anything dangerous, you wouldn't get caught, so you don't need it, amiright?

[ASAP]

Originally Posted by KevinC

I gave up trying about 2 pages back. Delusional.

Originally Posted by Efthreeoh

He doesn't understand what the term "broke even" means.

Ah yes - the modern definition of delusion - not wanting to pay for other's risk... and we wonder how this nation has so many issues.

Originally Posted by RM7

But if you never get in an accident or do anything dangerous, you wouldn't get caught, so you don't need it, amiright?

Incorrect again - any insurance company reports you the moment you cancel or don't carry insurance directly to the state of FL.

[alex2364]

Originally Posted by ASAP

Ah yes - the modern definition of delusion - not wanting to pay for other's risk... and we wonder how this nation has so many issues.



Incorrect again - any insurance company reports you the moment you cancel or don't carry insurance directly to the state of FL.

So move to a state that allows self insurance.

[ASAP]

Originally Posted by Efthreeoh

The insurance company accepts the risk, not insured individuals. That's the concept...

and perfectly in line with our discussion... got my renewal notice today... +21% increase... 0 accidents, claims nor tickets for 20 years of driving... yours was +24%... hmm...

[KevinC]

Originally Posted by ASAP

Ah yes - the modern definition of delusion - not wanting to pay for other's risk... and we wonder how this nation has so many issues.

[M-technik-3]

Originally Posted by Efthreeoh

That sucks. Hopefully, rates will go back down after 2024.

Bhahahahahah That you know is not happening if anything I expect them to increase yet again.