I'm tired of paying for fucking broke, irresponsible, losers.

[L-Pink]

Like the title says. I get my motorcycle insurance bill today from GEICO ……….

Body injury liability ……………………….. $66.00
Property damage liability ………………. $19.00
Comprehensive ………………………………. $125.00
Collision ………………………………………….. $195.00

Uninsured motorist ………………………… $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?

So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!

.

[ctggls]

Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...

[Klen]

Originally Posted by ctggls

Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...

Wot?Health insurance is free,and ordinary insurance is cheap as fuck,like 20$ per year here in europe.

[Paully]

Uninsured motorist only pays for medical bills so if you already have medical insurance just ditch it.

[Seth Manson]

If you get hit by a hit & run driver, you'll damn sure wish you had it.

Or if you get hit by an illegal alien.

[Seth Manson]

Originally Posted by Paully

Uninsured motorist only pays for medical bills so if you already have medical insurance just ditch it.

^^ worst advice ever

You obviously dont understand how it works, and what an attorney can do to an insurance company.

[Barefootsies]

If insurance premiums were more affordable, maybe the lowlifes would actually pay for theirs. That is typically the argument you hear about why they do not have it. Does it hold water? I dunno. I think that auto insurance rates can be ridiculous, but it is what it is. You have to have it for the 'just in case'.

[Adult-biz]

This is something I get pissed at. My premiums go up every year and when I question it, I`m told it`s because those fuckers who don`t have insurance.

[Paully]

Originally Posted by Seth Manson

If you get hit by a hit & run driver, you'll damn sure wish you had it.

Or if you get hit by an illegal alien.

Your health insurance isn't going to just pull the plug. I get the under-insured shit but either way you will be treated for what you need and your car/bike will be fixed or totaled by the insurance company.

Most you'll be out is your health ins. deductible. What am I missing?

[aka123]

Originally Posted by L-Pink

Like the title says. I get my motorcycle insurance bill today from GEICO ……….

Body injury liability ……………………….. $66.00
Property damage liability ………………. $19.00
Comprehensive ………………………………. $125.00
Collision ………………………………………….. $195.00

Uninsured motorist ………………………… $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?

So, if you already have insurance for your injuries, damages you make, etc., what is the insurance for the "uninsured motorist"? What it insurances?

In here we have mandatory insurances to cover other parties damages, injuries, etc., and if you want to cover your own, you will have to have additional insurance, but the other partie (if the accident is your fault) is always covered. Although basic health care is always mostly free (paid with taxes), so this applies mostly for property damages and lost income (because of injury), etc.

[Paully]

Originally Posted by aka123

So, if you already have insurance for your injuries, damages you make, etc., what is the insurance for the "uninsured motorist"? What it insurances?

In here we have mandatory insurances to cover other parties damages, injuries, etc., and if you want to cover your own, you will have to have additional insurance, but the other partie (if the accident is your fault) is always covered. Although basic health care is always mostly free (paid with taxes), so this applies mostly for property damages and lost income (because of injury), etc.

It's to cover your health costs if they have no insurance or like Seth said above is a hit and run. If you have insurance I don't see it as very important. It will cover your health deductible and your health cost to whatever they are insured for. After that your own insurance foots the bill anyways.

If they don't have insurance your own health ins. covers it and youre out your deductible. A grand to 5 grand usually.

Someone correct me if I'm wrong though. It has happened before. Summer of '93 I believe.

[aka123]

Originally Posted by Paully

It's to cover your health costs if they have no insurance or like Seth said above is a hit and run. If you have insurance I don't see it as very important. It will cover your health deductible and your health cost to whatever they are insured for. After that your own insurance foots the bill anyways.

If they don't have insurance your own health ins. covers it and youre out your deductible. A grand to 5 grand usually.

I don't get that deductible stuff (like bonuses or something?), but nevermind. In here you are always covered for health stuff if you have the mandadory insurance. If it's hit and run or whathever, your own insurance company takes the "hit". This is just a matter of legislation.

[Paully]

Originally Posted by aka123

I don't get that deductible stuff (like bonuses or something?), but nevermind. In here you are always covered for health stuff if you have the mandadory insurance. If it's hit and run or whathever, your own insurance company takes the "hit". This is just a matter of legislation.

Deductible is them saying yeah we'll pay your bills but you pay the first 1000 dollars and then we'll handle the rest. The lower the deductible the higher the insurance rate.

For a 20 year old with no medical problems and likely won't be having any serious condition they may choose a higher deductible 5000 and then their monthly premium is lower.

[aka123]

Originally Posted by L-Pink

So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!

I already did post this in another thread, but actually you are paying for this:

"The US government does not represent the interests of the majority of the country's citizens, but is instead ruled by those of the rich and powerful, a new study from Princeton and Northwestern Universities has concluded."

"Researchers concluded that US government policies rarely align with the the preferences of the majority of Americans, but do favour special interests and lobbying organisations: "When a majority of citizens disagrees with economic elites and/or with organised interests, they generally lose. Moreover, because of the strong status quo bias built into the US political system, even when fairly large majorities of Americans favour policy change, they generally do not get it." "

http://www.telegraph.co.uk/news/worl...concludes.html

[aka123]

Originally Posted by Paully

Deductible is them saying yeah we'll pay your bills but you pay the first 1000 dollars and then we'll handle the rest. The lower the deductible the higher the insurance rate.

Okay, I get it, we have just a different name for it, basically "My share of the bill".

[MaDalton]

Originally Posted by ctggls

Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...

nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries

[CurrentlySober]

i kunt a4d insurance...

[Sid70]

Originally Posted by MaDalton

nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries

Ya, apparently, even if it's parked it has to be insured, WTF?

[mineistaken]

Originally Posted by ctggls

Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...

The opposite in Europe - you are insured against uninsured. There are special "funds" that pay you if you are hit by the driver who has no insurance.

[mineistaken]

Originally Posted by MaDalton

nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

You can (illegally) drive without insurance. Let's say your insurance is expired and you continue to drive. But, like I said, even if you are hit by such a driver you still get paid. Not by his insurance company, but from special "fund" that is used for such cases.

[mineistaken]

By the way - thread title would perfectly represent the situation when quality citizen (right economic wing) is pissed that he has to "redistribute his wealth" to irresponsible and lazy citizen (welfare monger left wing).
Unfortunately - at least half of society (famous 47 percent lol) are losers thus making quality citizens pay for them. Life is not fair to quality citizens because of all kinds of leftist loser mentality mongers.
/rant

[Barry-xlovecam]

Originally Posted by MaDalton

nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries

• Up to 30% drive uninsured in many places in the USA. They buy coverage by the month, get a license plate and registration for the year, then stop making payments, rinse and repeat the next year. They steal license plate renewal stickers and put them on their vehicle's license plate or put mud over expired license plate stickers, and hope they don't get stopped or have an accident. They have suspended driver's licenses (for DUI (driving under the influence -- alcohol)) related offenses) so if they get stopped they are ticketed or arrested and jailed.

• Medical insurers can exclude auto accident related medical expense (this is legal in this state now) my autos' catastrophic medical doubled last year. I just went through this -- the law changed -- Obamacare or the state insurance commission? I don't really know. The difference was about $400. What is did was negotiate a discount for an annual insurance policy one time payment for the year. Allstate gave me a discount so I paid it all at once. Would have paid it all anyway ...

[L-Pink]

Originally Posted by Barry-xlovecam

• Up to 30% drive uninsured in many places in the USA. They buy coverage by the month, get a license plate and registration for the year, then stop making payments, rinse and repeat the next year. They steal license plate renewal stickers and put them on their vehicle's license plate or put mud over expired license plate stickers, and hope they don't get stopped or have an accident. They have suspended driver's licenses (for DUI (driving under the influence -- alcohol)) related offenses) so if they get stopped they are ticketed or arrested and jailed.

• Medical insurers can exclude auto accident related medical expense (this is legal in this state now) my autos' catastrophic medical doubled last year. I just went through this -- the law changed -- Obamacare or the state insurance commission? I don't really know. The difference was about $400. What is did was negotiate a discount for an annual insurance policy one time payment for the year. Allstate gave me a discount so I paid it all at once. Would have paid it all anyway ...

If you back the theft part of my insurance out and just look at my accident coverage I'm paying just $280.00 a year for coverage but $859.00 for uninsured coverage. A difference that just doesn't make sense.


.

[Grapesoda]

Originally Posted by L-Pink

Like the title says. I get my motorcycle insurance bill today from GEICO ???.

Body injury liability ?????????.. $66.00
Property damage liability ??????. $19.00
Comprehensive ????????????. $125.00
Collision ????????????????.. $195.00

Uninsured motorist ?????????? $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?

So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!

.

illegal immigration

[Grapesoda]

Originally Posted by Barefootsies

If insurance premiums were more affordable, maybe the lowlifes would actually pay for theirs. That is typically the argument you hear about why they do not have it. Does it hold water? I dunno. I think that auto insurance rates can be ridiculous, but it is what it is. You have to have it for the 'just in case'.

the personal injury lawyers I know carry about 2 mil in liability

[Grapesoda]

Originally Posted by aka123

I already did post this in another thread, but actually you are paying for this:

"The US government does not represent the interests of the majority of the country's citizens, but is instead ruled by those of the rich and powerful, a new study from Princeton and Northwestern Universities has concluded."

"Researchers concluded that US government policies rarely align with the the preferences of the majority of Americans, but do favour special interests and lobbying organisations: "When a majority of citizens disagrees with economic elites and/or with organised interests, they generally lose. Moreover, because of the strong status quo bias built into the US political system, even when fairly large majorities of Americans favour policy change, they generally do not get it." "

http://www.telegraph.co.uk/news/worl...concludes.html

nothing gets by you does it?

[Grapesoda]

Originally Posted by MaDalton

nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries

that's the way it is here Ma 'HOW FUCKING EVER' it's illegal to check if people have ins UNLESS they are pulled over for a traffic violation

[Grapesoda]

Originally Posted by mineistaken

You can (illegally) drive without insurance. Let's say your insurance is expired and you continue to drive. But, like I said, even if you are hit by such a driver you still get paid. Not by his insurance company, but from special "fund" that is used for such cases.

actually you need car ins if you have a DL because you might be driving a car

[aka123]

Originally Posted by Grapesoda

nothing gets by you does it?

Just reading the news.

[Grapesoda]

Originally Posted by L-Pink

If you back the theft part of my insurance out and just look at my accident coverage I'm paying just $280.00 a year for coverage but $859.00 for uninsured coverage. A difference that just doesn't make sense.


.

always keep this in mind when you deal with the ins industry.. in WWII the Nazis where killing so many jews the ins companies where going broke on the life ins payments...

SO the ins industry forced the Nazis to place the camps in Poland and Austria, SO then the jews were written off as immigrating and the life ins was voided

[Barry-xlovecam]

Originally Posted by L-Pink

If you back the theft part of my insurance out and just look at my accident coverage I'm paying just $280.00 a year for coverage but $859.00 for uninsured coverage. A difference that just doesn't make sense.


.

I know it's the same here -- it's ridiculous. Worse part is I don't drive many miles a year. So, for the below normal mileage, and less auto accident exposure, do I get a radical discount? Fuck no ...

[aka123]

Originally Posted by Grapesoda

that's the way it is here Ma 'HOW FUCKING EVER' it's illegal to check if people have ins UNLESS they are pulled over for a traffic violation

LOL. "Spying" with drones is OK, but not checking insurance or such. There are even registration plate scanners for that (you don't need to pull off people).

[aka123]

Originally Posted by Grapesoda

always keep this in mind when you deal with the ins industry.. in WWII the Nazis where killing so many jews the ins companies where going broke on the life ins payments...

SO the ins industry forced the Nazis to place the camps in Poland and Austria, SO then the jews were written off as immigrating and the life ins was voided

Sounds like total bullshit. To whom the insurance payments would even had been paid? Jews had no fucking rights, property confiscated and so on, like they would got any payments at all at that stage.

[mikesouth]

And to think when the insurance were selling that mandatory insurance law in your state it was telling you that the premiums would go way down because uninsured motorist coverage wouldnt even be necessary

[mineistaken]

Originally Posted by Grapesoda

actually you need car ins if you have a DL because you might be driving a car

Huh? You get car insurance only after you get a car, lol. And even if you have a car you can drive it without (of course you risk fines) insurance. Unless you re talking about US, but I was talking about EU.

[Tom_PM]

Careful.. if you speak as if something is too expensive then people might think you are nearly broke too. In that instant you become one of THEM.

[dyna mo]

Originally Posted by Barry-xlovecam

• Medical insurers can exclude auto accident related medical expense (this is legal in this state now)

this can't be true. I googled and got nothing also.

[sarettah]

Originally Posted by L-Pink

I'm tired of paying for fucking broke, irresponsible, losers.

Dude, I told you I would pay you back. I mean it was just a couple of beers and a hooker. Did you really have to out me on it?



.




Edited in: Ooops, you are talking about insurance. I have to learn to read the fucking thread before posting dammit. Nevermind.

[MaDalton]

Originally Posted by mineistaken

You can (illegally) drive without insurance. Let's say your insurance is expired and you continue to drive. But, like I said, even if you are hit by such a driver you still get paid. Not by his insurance company, but from special "fund" that is used for such cases.

Originally Posted by Barry-xlovecam

• Up to 30% drive uninsured in many places in the USA. They buy coverage by the month, get a license plate and registration for the year, then stop making payments, rinse and repeat the next year. They steal license plate renewal stickers and put them on their vehicle's license plate or put mud over expired license plate stickers, and hope they don't get stopped or have an accident. They have suspended driver's licenses (for DUI (driving under the influence -- alcohol)) related offenses) so if they get stopped they are ticketed or arrested and jailed.

true - there might be a few without an insurance driving illegally - but far far from those 30%

[mineistaken]

Originally Posted by Tom_PM

Careful.. if you speak as if something is too expensive then people might think you are nearly broke too. In that instant you become one of THEM.

Only dumb rabble would think so. Intelligent people knows that rich people knows how to count their money and how to value things and how to dislike overpaying.

[baddog]

Originally Posted by Paully

Uninsured motorist only pays for medical bills so if you already have medical insurance just ditch it.

That is not even close to accurate.

[Sly]

Originally Posted by Paully

Your health insurance isn't going to just pull the plug. I get the under-insured shit but either way you will be treated for what you need and your car/bike will be fixed or totaled by the insurance company.

Most you'll be out is your health ins. deductible. What am I missing?

You're missing everything really. Have you ever needed to use insurance?

My car was parked in front of my brothers house. It was rear-ended and totaled by a 16-year-old girl that OD'd on pills while driving. My insurance didn't want to pay because the accident was caused by another driver. Her insurance didn't want to pay because she was under the influence. After many months my insurance company finally got her insurance company to pay, I think they had to go to court. If that judgment had not fallen in my favor I would have been fucked.

That's only one example of many that I have of insurance companies doing everything they can to get out of paying a bill that they should be paying. When your own insurance company fights to screw you, guess what the other person's insurance company is going to do.

[Paully]

Originally Posted by dyna mo

this can't be true. I googled and got nothing also.

Any medical insurer excluding your healrh coverage for any reason would be a good reason to switch medical coverage. Thats pretty fucked up.

[Paully]

Originally Posted by Sly

You're missing everything really. Have you ever needed to use insurance?

My car was parked in front of my brothers house. It was rear-ended and totaled by a 16-year-old girl that OD'd on pills while driving. My insurance didn't want to pay because the accident was caused by another driver. Her insurance didn't want to pay because she was under the influence. After many months my insurance company finally got her insurance company to pay, I think they had to go to court. If that judgment had not fallen in my favor I would have been fucked.

That's only one example of many that I have of insurance companies doing everything they can to get out of paying a bill that they should be paying. When your own insurance company fights to screw you, guess what the other person's insurance company is going to do.

Uninsured motorist only pays for your medical bills if youre injured by an uninsured motorist. They wouldnt have fixed your car anyways. I have gone over this shit many times.

[Paully]

Originally Posted by baddog

That is not even close to accurate.

No. Its close. It does cover lost wages and pain and suffering in some cases and some states. Looking at the numbers Id dump it.

[CarlosTheGaucho]

Originally Posted by Sid70

Ya, apparently, even if it's parked it has to be insured, WTF?

Over here in Czecc, unless you take your license plates and put it to an official deposit, you always have to have basic car insurance, no matter if you drive or not, there is a dedicated law regarding this.

If your insurance expires, there is a central register, and you get automatically fined a fee for every month uninsured, every month costs you almost an equivalent of yearly basic car insurance, and it doesn't provide ANY insurance.

So if you would cause an accident when your car insurance is no more valid, all the damage gets out of your pocket.

[Tom_PM]

Originally Posted by mineistaken

Only dumb rabble would think so. Intelligent people knows that rich people knows how to count their money and how to value things and how to dislike overpaying.

And now lets get on with our lives and stop wasting more precious money on other human beings while there are still things left to buy, but not overpay for.

[Barry-xlovecam]

Originally Posted by dyna mo

this can't be true. I googled and got nothing also.

That is what I thought before I got the fkn bill. New law or rule in this state maybe. When did you last renew your auto policy? This was in February, 2014.

I had to pay so it's true.

[L-Pink]

Various websites list the percentage of uninsured Florida motorists at 23 to 30 percent. So 1 in 4 people are driving illegally and causing potentially devastating hardship to themselves as well as others. How much do these people add each year to our already high health care costs?

Isn't one in four breaking the law enough probable cause to start enforcing the law? Driving is a privilege not a right, so start enforcing the most basic of traffic laws.


Not to turn this into an immigration thread but as Grapesoda pointed out, what do illegal immigrants add to everyone's insurance as well as medical bills? According to a 2010 New York Times investigation an estimated 4.5 million illegal immigrants nationwide are driving regularly, most without licenses.

It's probably safe to assume no one in this country illegally, without a license, is paying for auto insurance.

edit; This $859.00 is just for my motorcycle coverage, when I'm drunk I'm going to see what it also adds to my automotive coverage …….

.

[Rob]

Originally Posted by Paully

Uninsured motorist only pays for medical bills so if you already have medical insurance just ditch it.

Horrible advice, bro! That's not remotely close to being true.

Where I live us honest hard working people are forced to get uninsured along with comp and collision. That's if you have the title of your vehicle, if you still owe on it, it's a lot more. I messed up and bought my daughter a new car on her 17th birthday. The full coverage on the vehicle with reasonable deductibles was $3,800 a year. The insurance payment was the same as the car payment.

My oldest is now 21 and has never even received so much as a parking ticket since she's been driving. Her premium dropped a little when she turned 21, but not by much. Especially all the times it has increased over the years.