Mandatory car insurance being challenged in California. YES!!!

[wolfstrike]

Mandatory car insurance being challenged in California.


so lets do a quick summery of the largest monetary scam ever implemented in a state in America.

1) so the state comes in and tells you that you MUST purchase "insurance" from a private company.
somehow they think this constitutional because you have a couple of companies to select from.
therefor they gloss over the fact they are FORCING you to be a customer for big business.

2) the insurance company assess an estimate of how much money is needed to cover accidents, lawyers, inflated medical bills, wages for their employees, their brand new multimillion dollar house, a Ferrari for their 15 year old kid, and their high standard of living.

they gather with other insurance company owners and create a minimum fee to cover all of this.

3) so each citizen who owns a car pays an "insurance" amount that after a couple of years is more than the Bluebook value of their car

4) then when you go to file an insurance claim, they try to get you to settle for a low amount

5) if it's a large claim they will hire a lawyer, with your money, to fight the case against you.

6) then they use paperwork tricks so they don't have to cover anything

7) of course they will raise the prices every year or so to support this disgusting system.


America's think this system is acceptable why?

because a bunch of guy in suits said this was a good thing?

OK let's here it from the left-wing big business wing nuts. "driving is not in the Constitution"

neither is breathing air.

so because it's not outlined in the Constitution, that gives a green light for mass corruption? i don't think so.

the case is being made that mandatory insurance is harming the standard of living for people in California

Americans have a RIGHT to not participate in businesses and scams they don't agree with.
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we recently had a case in Los Angeles where a home was flooded by a broken water main and the insurance company said their flood insurance didn't cover water damage


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[snewman24]

You're absolutely right, WolfWhine!!! Why should we have to pay for insurance!! I should be able to get drunk, run a red light, and T-bone your car with you in it, paralyze you from the neck down, and not have to worry about a thing. Sue me?? Sure, go ahead, but you can't get money out of a loser like me. I guess you'll have to go on Medicaid and have the tax payer pay for your medical care for the rest of your miserable, bed-ridden life. And what will happen to your family with no bread winner to support them? Ain't my problem just I'm just a drunk anyway. But, boy I sure like saving money not having to purchase that 'spensive insurance, it leaves me lots more drinkin' money. Bottoms up!!

[wolfstrike]

...so we're both agreed there are other solutions

[snewman24]

...so we're both agreed there are other solutions

Sure...maybe you can post a $100,000. cash bond in lieu of buying insurance. Got the money to do that?

[bb]

Don't Drive

[hvactech13]

Just hop on a bus and don't worry about needing insurance. I am sure they wouldn't mind you bringing your torch set, refrigerant tanks, etc on the bus. If they don't like it......call a taxi. I am sure taxi fares around town will end up being cheaper than paying insurance premiums. :eek2:

[Special Ed]

always be "self-insured". Rich people are & they don't buy insurance.

[printer2]

...so we're both agreed there are other solutions


America's think this system is acceptable why?


Hey wolfie, there is always the public option, mind you it might take you down the socialist path.

http://www.mpi.mb.ca/english/english.html

http://www.mpi.mb.ca/AnnualReport2008/PDFs/2008ARcomplete.pdf

[Baja500]

After disputing the increase in my insurance premium, having zero tickets or accidents, the insurance Co, sent me their idiotic response, the increase in you insurance premium was based on your most recent credit history report, you had an automobile repo in 09 , your new premium is based in your new fico score, statistics show that drivers with low fico scores have more accidents, base on your credit history you are a risky driver.
Do you guys think this is fair? what we pay for insurance, is based in our credit! its a rip off!! insurance companies are also benefiting from the foreclosure fiasco , you loose your home fico goes down and speed cameras 3 penalty points on your dmv in AZ ,yes we need insurance, but somebody needs to put a leash on them.

[DavyB]

After disputing the increase in my insurance premium, having zero tickets or accidents, the insurance Co, sent me their idiotic response, the increase in you insurance premium was based on your most recent credit history report, you had an automobile repo in 09 , your new premium is based in your new fico score, statistics show that drivers with low fico scores have more accidents, base on your credit history you are a risky driver.
Do you guys think this is fair? what we pay for insurance, is based in our credit! its a rip off!! insurance companies are also benefiting from the foreclosure fiasco , you loose your home fico goes down and speed cameras 3 penalty points on your dmv in AZ ,yes we need insurance, but somebody needs to put a leash on them.

What a sorry excuse to cheat someone. Drop that company. If I ever received a letter like that from Geico I'd ditch them in a heartbeat. BTW, I did a voluntary surrender (repo) in '08 and have never had an increase in my auto insurance because of it.

[maintenanceguy]

I'll go even farther. I'm opposed to having to have a license to drive a car because it obviously doesn't keep the bad drivers off the road.

I'm even opposed to having to register your car. I'd be less offended by "registering" my car if they were honest and just called it a car tax.

[VTP99]

Ones i hate ( Have to keep classic car insured over winter because sticker is valid. Could risk getting random letter from BMV to prove its covered.) or ( Have to have sticker on car for zoneing laws then have to have insurance for sticker. ) Car never leaves drive thru winter. Should be on the list of things you have do in life like DIE & PAY TAX.

[snewman24]

After disputing the increase in my insurance premium, having zero tickets or accidents, the insurance Co, sent me their idiotic response, the increase in you insurance premium was based on your most recent credit history report, you had an automobile repo in 09 , your new premium is based in your new fico score, statistics show that drivers with low fico scores have more accidents, base on your credit history you are a risky driver.
Do you guys think this is fair? what we pay for insurance, is based in our credit! its a rip off!! insurance companies are also benefiting from the foreclosure fiasco , you loose your home fico goes down and speed cameras 3 penalty points on your dmv in AZ ,yes we need insurance, but somebody needs to put a leash on them.

Some employers use it to screen job applicants as part of a background check, too. There's a relationship between personal character and credit history.

[Baja500]

Some employers use it to screen job applicants as part of a background check, too. There's a relationship between personal character and credit history.

Credit dictates how we drive? my Job influences how I drive! do not know what influences others, but me its my job and when we look for service techs first question to them,, How is your dmv record ?, not your fico!!,,, bad record, adios have a good day!!!!


:LOL:

[wolfstrike]

If I ever received a letter like that from Geico I'd ditch them in a heartbeat.


you don't understand it doesn't matter what company you drop.

you're forced to throw money into the pot no matter what kind of insurance it is.

the purpose of FICO and credit score ratings is to make sure you are paying more than your share into the system

[Baja500]

you don't understand it doesn't matter what company you drop.

you're forced to throw money into the pot no matter what kind of insurance it is.

the purpose of FICO and credit score ratings is to make sure you are paying more than your share into the system


:couch:depressing !but the truth.

[snewman24]

the purpose of FICO and credit score ratings is to make sure you are paying more than your share into the system

The purpose of FICO and credit scores is to show that you have a history of being responsible and paying back your debts. What does that have to do with paying more than your fair share? Fair share of WHAT??

[Baja500]

[QUOTE=snewman24;5830162]The purpose of FICO and credit scores is to show that you have a history of being responsible and paying back your debts. What does that have to do with paying more than your fair share? Fair share of WHAT??[/QUOTE


Just a scam that's it, applied for credit! its dinged, take a dump! it gets dinged. call gran ma'! it gets dinged, no other country uses it, they have better control of lending practices and banking management, here its about the mula. money and how much profit the banks and institutions can give their share holders. thats also why banks failed,,,GREED.

[snewman24]

[QUOTE=snewman24;5830162]............ here its about the mula. money and how much profit the banks and institutions can give their share holders. thats also why banks failed,,,GREED.

Of course it's about the money, that's our capitalist system If you could figure out how to force your employer pay you $100 per hour plus fantastic benefits, you'd do it, even if you didn't deserve it. That's self-interest (greed).

[woodsman]

There are more people with excellent driving records than there are with excellent credit scores. Using credit scores allows them to justify stealing more money from excellent drivers. As long as our elected lawmakers let it happen it will happen. Just my 2 cents.

[wolfstrike]

The purpose of FICO and credit scores is to show that you have a history of being responsible and paying back your debts. What does that have to do with paying more than your fair share? Fair share of WHAT??


how do you think this insurance/credit owners became some of the richest businessmen in the world?

through savings and wise investment?

you may think it's not a big deal you are paying $200 bucks a month for "insurance", but you are paying more than your fair share

the insurance and credit industries have the same problem Social Security , Medicare, and the soon to be mandatory Health insurance industries have,

the bigger the pot gets, the more people are sticking their grubby hands in it for a living, and the more they have to raise the prices.

we need to work on the solution, which is giving people back their freedom to opt out.

[Tool-Slinger]

you may think it's not a big deal you are paying $200 bucks a month for "insurance",

Liability insurance costs me about 30 bucks a month, I think 'uninsured motorist' adds another five to that. Who pays 200?

[Joe Harper]

you may think it's not a big deal you are paying $200 bucks a month for "insurance",

Liability insurance costs me about 30 bucks a month, I think 'uninsured motorist' adds another five to that. Who pays 200?

Many people do.
Back in 2001 I bought a new (first and last "new" car I will ever buy) Mercury Cougar for my wife. The payment was $385 a month, short term loan. The insurance was $425 !!! I didnt understand why untill she ran into the back of my service van :argue:... The total damage to the car was a fog light, and front plastic air dam bumper thingy. The van needed a new rear bumper and that plastic curve on the back door of chevy vans.
Total damage was $6700. $4300 was for the car, and 2400 for the van. Those were mid level estimates from reputable shops. All from a strike at 5 mph. $4300 to fix the bumper on a $14000 car. There is the start of the insurance affordability problem.

[Tool-Slinger]

Many people do.
Back in 2001 I bought a new (first and last "new" car I will ever buy) Mercury Cougar for my wife. The payment was $385 a month, short term loan. The insurance was $425 !!! I didnt understand why untill she ran into the back of my service van :argue:... The total damage to the car was a fog light, and front plastic air dam bumper thingy. The van needed a new rear bumper and that plastic curve on the back door of chevy vans.
Total damage was $6700. $4300 was for the car, and 2400 for the van. Those were mid level estimates from reputable shops. All from a strike at 5 mph. $4300 to fix the bumper on a $14000 car. There is the start of the insurance affordability problem.
Full coverage, check. If you don't actually own your car, been there done that. I don't think that is required anywhere, just liability as an owner.

[wolfstrike]

Total damage was $6700. $4300 was for the car, and 2400 for the van.

who says that's the price to fix those cars?

i was shopping for a bumper for my car a couple months ago, i found it on Ebay, brand new, for $300.

why do body shops charge prices like four grand?

because everyone knows the insurance companies are holding a giant pot of public gold over the rainbow, its the custom for an insurance company to low-ball the price of the repair,

so the body repair industry got together to agree to come up with minimum prices so the insurance company would HAVE TO pay higher prices,

they give the insurance company an outragous price so they can collect a high price.


a body shop would never charge 4 grand for a bumper before car insurance became mandatory.
...and the real kicker is, they still pay their employees 8 bucks an hour to breathe that crap all day long.

[coolerfixer]

[QUOTE=wolfstrike;5833072]



so the body repair industry got together to agree to come up with minimum prices so the insurance company would HAVE TO pay higher prices,

QUOTE]

Wolfwhine, have you EVER had an estimate done from a body shop? They use flat rate books, just like many in our trade do. You just seem so clueless about reality, it's stunning. There are at least as many business expenses in the auto body repair industry as in HVAC/R. I don't know of any in that biz that are fat cat rich guys. You just need to edumicate yusself.

[Joe Harper]

who says that's the price to fix those cars?

i was shopping for a bumper for my car a couple months ago, i found it on Ebay, brand new, for $300.

why do body shops charge prices like four grand?

because everyone knows the insurance companies are holding a giant pot of public gold over the rainbow, its the custom for an insurance company to low-ball the price of the repair,

so the body repair industry got together to agree to come up with minimum prices so the insurance company would HAVE TO pay higher prices,

they give the insurance company an outragous price so they can collect a high price.


a body shop would never charge 4 grand for a bumper before car insurance became mandatory.
...and the real kicker is, they still pay their employees 8 bucks an hour to breathe that crap all day long.

I went to four repair shops, all were in range of each other. The kind of car that you have will determine the bumper cost. When the bumper for the car incorporates a front end spoiler, and lights and has to be put on and painted, its not going to cost $300. You have shop expenses, labor, insurance, taxes, etc. to operate the business. I dont think you run $20.00 service calls and give parts at cost do you??

[printer2]

I knew a guy in the autoparts industry a few years ago. He said a fender for a domestic car was over $1200 for a truck but dropped to $700 (Same part from the OEM) the next year. The same year that China made a knockoff of the same part.