when does it become your business?

[wildchild]

ok APOC made a comment in the license thread about it being no one's business if someone had ins.
the fact is I agree 100% with that. Why do people feel the need to know everything about other people's lives and ensure that they are living up to "their" standards?
we have a home cleaning business that my girl runs. A guy here at work is constantly asking me when we file our taxes, what we claim as expenses, how we claim the vehicles and other stuff. he just wants to make sure no one gets over on the system if he can't. I pretty much got him to shut up about it when I told him to check the web like he does on all of his neighbors. Apparently he knows a site where you can look up people's income and tax level and what not.
why do people feel the need to "check up" on others? Maybe they can't afford to have everything just right. maybe they're trying to get ahead, maybe they feel it's worth the risk. If it doesn't affect you directly why worry about it?
as far as insurance. Does anyone here really think your rates would go down if everyone had insurance? actually your rates would probably go up. it would mean more payouts by the companies. The payouts far outweigh the rates of a few slackers who currently don't have ins.

[the chi]

:lol: I think alot of the issue today is that people are so OPEN with their business, and they share so much, its hard not to know what others are doing. The dude you spoke of is RUDE however, good heavens, who ASKS things like that?!

And opinions are like assholes, we all have one about ourselves and everyone else, as much as we'd like not to...as for on the board, I think most of us are bored at work and when asked have no problem giving input...its something to do at least...:shrug:

[zed]

last I looked uninsured motorist was the biggest expense on my insurance bill.

[pauldun170]

I would want to know if my neighbor didn't have insurance so that I can avoid him at all costs.

[Rangerscott]

As a motorist it is my responsablity to know. Having insurance is part of being responsible driver. Ya it sucks paying for it but your an idiot if u dont have it and your a bigger idiot if u dont have home insurance.

I work my ass off to buy my things and maintain them. I'll be damned if some idiot wrecks my stuff and is too much off a fucking idiot to not pay for insurance. Also because of lazy ass idiots i have to pay more to protect myself because of these lazy ass idiots.

[nhgunnut]

As luck would have it I live in one of the few states where auto insurance is not mandatory ( seat belts aren't either) It very quickly becomes my business when they hit something of mine. The law is some case allows my to attach their property , but I dint need a 15 year old Cavalier or the furnishings in their rented trailer. With most of it belonging to renta center anyway

[CrazyKell]

It's called having a social conscience and not just looking out for yourself but rather thinking about yourself AND other people. :shrug:

Some people like to know everything about everyone else. It's in their nature.

[wildchild]

quick note to add. Of course it becomes your business when they hit you without insurance or damage your possession in some way through their lifes choices.

I'm just talking about in general, no direct influence on you, why do you need to know.

probably all of us on here would agree it's stupid not to have ins on everything you own. hell I pay full coverage rates on a truck that hardly ever leaves my driveway.
i know people who don't have ins. no way in hell am I going to try and pressure them into getting it or publicly announce to other people they don't have it. I know people who don't have a drivers license to, but I'm not calling the law on them. it's their choice. yes it's illegal, but it doesn't affect me. why call?

[wildchild]

:lol: I think alot of the issue today is that people are so OPEN with their business, and they share so much, its hard not to know what others are doing. The dude you spoke of is RUDE however, good heavens, who ASKS things like that?!

And opinions are like assholes, we all have one about ourselves and everyone else, as much as we'd like not to...as for on the board, I think most of us are bored at work and when asked have no problem giving input...its something to do at least...:shrug:

that is all so true. :)

[SteveP]

I think issues like vehicle insurance should be public information.

[RACER X]

I think issues like vehicle insurance should be public information.

in TX now, an LEO can pull up a license plate, and it'll tell them if they have valid ins or not.

[Papa_Complex]

quick note to add. Of course it becomes your business when they hit you without insurance or damage your possession in some way through their lifes choices.

I'm just talking about in general, no direct influence on you, why do you need to know.

probably all of us on here would agree it's stupid not to have ins on everything you own. hell I pay full coverage rates on a truck that hardly ever leaves my driveway.
i know people who don't have ins. no way in hell am I going to try and pressure them into getting it or publicly announce to other people they don't have it. I know people who don't have a drivers license to, but I'm not calling the law on them. it's their choice. yes it's illegal, but it doesn't affect me. why call?

Personally, I don't care if someone has insurance on their life or home. If they don't have insurance on their CAR, then it's my business because they are a potential financial burden to me, because they are breaking the law.

The above is an unpaid programme by someone who was taken to hospital after having his bike destroyed by an uninsured motorist, and is not the opinion of this station or its management.

[HurricaneHeather]

Well, in my case, this girl has openly offered up every bit of information to several people about her license status. I wouldn't ever ask about it. I don't care that much.

When she is driving around without a license, that is on her and will only affect her and her family. But when she is driving without insurance, she could seriously alter someone else's well being if she hits them. I guess in my mind, I am thinking about the people she might hit someday and how that would affect them. I've just become highly sensitive to this stuff lately.

[Apoc]

probably all of us on here would agree it's stupid not to have ins on everything you own. hell I pay full coverage rates on a truck that hardly ever leaves my driveway.



Yup. I pay for insurance on a vehicle, sled, and motorcycle. Its there to protect me from idiots with no insurance. But, if some idiot with no ins hits me, im still covered, so why should I give a fuck. They are the one up shit creek.

Its really no more of a headache to me either way. So why should it bother me?

[CrazyKell]

Being curious, wanting to know, etc. is very different from actually making a call. ;)

[Papa_Complex]

Yup. I pay for insurance on a vehicle, sled, and motorcycle. Its there to protect me from idiots with no insurance. But, if some idiot with no ins hits me, im still covered, so why should I give a fuck. They are the one up shit creek.

Its really no more of a headache to me either way. So why should it bother me?

Because if it's the other person's fault it typically costs you nothing but if that other driver is uninsured, then in most places you end up having to pay your deductible.

[Apoc]

being curious, wanting to know, is being nosy. Which im not a fan of either.

Being pissed about it like HH was, is uptight and senseless.

[wildchild]

Personally, I don't care if someone has insurance on their life or home. If they don't have insurance on their CAR, then it's my business because they are a potential financial burden to me, because they are breaking the law.

The above is an unpaid programme by someone who was taken to hospital after having his bike destroyed by an uninsured motorist, and is not the opinion of this station or its management.

so if someone is a professional or even ranked amateur fighter you feel it's your businesss to know if they have their hands registered with local PD? I mean after all if they walk by you it's a potential financial cost to you if they decide to hit you. I mean if their not insured against punching someone who knows what could happen. the potential is there for them to hit you.
yeah I know apples to oranges right?

BTW in Wis they are not breaking the law by now having insurance. the only time it is required by the state is if you have had an accident and been unable to pay for damages you caused. Then you go on what is called SR22 insurance. then they will take your license if you do not have insurance in your name.

A side note. I have lived in a couple states where it was required and I liked it that way. I'm not saying it shouldn't be required just that it's their choice if they want to risk it. If they cause a wreck I think they should lose everything they have and be held actually responsible for paying it. unfortunately that doesn't happen. I have had a few friends get their vehicles wrecked by uninsured. it sucks. where I work it's generally assumed 80 % of drivers are not insured. If you drive down here it better be a vehicle you can afford to replace on your own or have uninsured motorist coverage. Very good chance if you get hit they will try to sue your insurance for their vehicle.

[z06boy]

I would want to know if my neighbor didn't have insurance so that I can avoid him at all costs.

Agreed. Well I don't know about the "avoid at all cost" part :lol: but I know what you're saying.

As far as the guy at the office asking about your personal tax info...fvck him...it is NONE of his business.

[HurricaneHeather]

Being curious, wanting to know, etc. is very different from actually making a call. ;)

And talking about it online amongst people who don't and will never know her is very different from asking her personally or gossiping about it at work with co-workers.

And I never made a call. Probably never will. It still pisses me off. But that is just me being uptight and senseless. :lol:

[Apoc]

Because if it's the other person's fault it typically costs you nothing but if that other driver is uninsured, then in most places you end up having to pay your deductible.

So, my bike gets wrecked (I have replacement value ins.), it costs me 500$ for a brand new one when its two years old? If im not seriously injured, then bonus.

I guess I have a different outlook on these things than most. I've got my own problems to deal with most days, so I dont feel the need to concern myself with the actions of others who could be in far worst financial shape than I am. I know poor people. I grew up and live in a poor community. And I know sometimes people struggle to get by, and that no insurance can be a product of circumstance, of people struggling to get by, and that 200$/month is the difference between groceries and insurance, because the industry (forestry) that they've depended on for years is no longer profitable. They still need a vehicle.

I know how lucky I am to make 80k/year (with overtime) as a single man, and understand how someone making 15k/year could maybe not afford insurance when they have a family to look after.

[Papa_Complex]

I grew up poor too. We still abided by the law. There are far too many people around who either have money for a nice car/bike OR insurance. Buy a beater and play it legal.

[the chi]

The poor folks are the ones who need it more than those who have the money to pay the medical or replacement costs if something happens.

Heres a hypothetical: A person makes 15K a year, they dont get insurance because its too expensive and they have to "take care of their family". Are they responsibly taking care of their family if they arent providing insurance in the case of an emergency?

[z06boy]

The poor folks are the ones who need it more than those who have the money to pay the medical or replacement costs if something happens.

Heres a hypothetical: A person makes 15K a year, they dont get insurance because its too expensive and they have to "take care of their family". Are they responsibly taking care of their family if they arent providing insurance in the case of an emergency?

No not really because what if they get hit by someone with no insurance ?

Of course the flip side is that they may be doing all that they can at the moment and just flat out can't afford it and have to have a car to get to work...doctors...blah..blah.

They "shouldn't" be having kids imho but of course things happen.

I guess they could depend on state run hospitals...which opens up another whole topic to argue. :lol:

Tough situaton for sure.

[the chi]

No not really because what if they get hit by someone with no insurance ?

Of course the flip side is that they may be doing all that they can at the moment and just flat out can't afford it and have to have a car to get to work...doctors...blah..blah.

They "shouldn't" be having kids imho but of course things happen.

I guess they could depend on state run hospitals...which opens up another whole topic to argue. :lol:

Tough situaton for sure.

Of course theres always other ingredients to the situation, I was avoiding them for simplicity.

Like - if they can afford a car but no insurance, why not take public transportation, then it can lead to -what if there is no transportation available...should they walk? THEN- if they are walking to and from work, with no car to pay insurance, how do they get around in the event of an emergency - theyd need to get to their family fast, cant do that walking, insurance may not provide for ambulance...etc etc etc...

[z06boy]

Of course theres always other ingredients to the situation, I was avoiding them for simplicity.

Like - if they can afford a car but no insurance, why not take public transportation, then it can lead to -what if there is no transportation available...should they walk? THEN- if they are walking to and from work, with no car to pay insurance, how do they get around in the event of an emergency - theyd need to get to their family fast, cant do that walking, insurance may not provide for ambulance...etc etc etc...

You are correct. :willy:

[Papa_Complex]

No not really because what if they get hit by someone with no insurance ?

Of course the flip side is that they may be doing all that they can at the moment and just flat out can't afford it and have to have a car to get to work...doctors...blah..blah.

They "shouldn't" be having kids imho but of course things happen.

I guess they could depend on state run hospitals...which opens up another whole topic to argue. :lol:

Tough situaton for sure.

They have a "right" to have kids. They have a "responsibility" to insure a vehicle, if they're using it on public roads. It's amazing how many people scream about getting their rights, who also conveniently forget about their responsibilities.

[HurricaneHeather]

They have a "right" to have kids. They have a "responsibility" to insure a vehicle, if they're using it on public roads. It's amazing how many people scream about getting their rights, who also conveniently forget about their responsibilities.

:dthumb:

[Tmall]

A responsible person would phone the police if they knew somebody was breaking the law. Right?

[z06boy]

They have a "right" to have kids. They have a "responsibility" to insure a vehicle, if they're using it on public roads. It's amazing how many people scream about getting their rights, who also conveniently forget about their responsibilities.

Agree 100 %

I'm the opposite...no kids and we have full coverage on everything.

[Kerry_129]

Does anyone here really think your rates would go down if everyone had insurance? actually your rates would probably go up. it would mean more payouts by the companies. The payouts far outweigh the rates of a few slackers who currently don't have ins.

I think you're kidding yourself. My under/un-insured coverage is about twice what liability-only costs me. Meaning I would pay three times what I currently pay, just to cover other peoples' lack of responsibility. :skep: I have health ins. & paid-in-cash bikes without an accident claim in over a decade, so I'm taking that gamble rather than pay several hundred extra dollars a year.

I bet a big factor in the high u/ins. rates is that many of the people running around without ins. are also the douches that drive drunk.

[Papa_Complex]

A responsible person would phone the police if they knew somebody was breaking the law. Right?

Sure, within reason. There would have to be demonstrable proof, or you're wasting everyone's time.

For instance I found out after I was hit by that uninsured motorist that a whole patio bar full of people had witnessed him hit a parked vehicle, hard enough to knock it off its rear axle, in the same parking lot that he was exiting when he hit me two weeks before my incident. No one reported him, despite his being a delivery guy for a pizza place in the very same strip mall as the bar. It wasn't their car that was hit, so no one cared.

Imagine being the guy who is being loaded on a stretcher after going head on into a car and hearing that little gem.

[zed]

quick note to add. Of course it becomes your business when they hit you without insurance or damage your possession in some way through their lifes choices.

I'm just talking about in general, no direct influence on you, why do you need to know.

probably all of us on here would agree it's stupid not to have ins on everything you own. hell I pay full coverage rates on a truck that hardly ever leaves my driveway.
i know people who don't have ins. no way in hell am I going to try and pressure them into getting it or publicly announce to other people they don't have it. I know people who don't have a drivers license to, but I'm not calling the law on them. it's their choice. yes it's illegal, but it doesn't affect me. why call?

a non licensed and probably non insured driver doesn't affect you? I'm not following that. you like rolling the dice that they won't hit you? then it really becomes a big problem for you, they don't need to hit you. insurance pays out they pass it along.

guess guys wheeling down a busy road don't affect you either?

[CrazyKell]

being curious, wanting to know, is being nosy. Which im not a fan of either.

Being pissed about it like HH was, is uptight and senseless.

Can't all be perfect like you. :shrug:

[Tmall]

Can't all be perfect like you. :shrug:


Keep trying, and some day it might happen. :lol:

[zed]

As far as the guy at the office asking about your personal tax info...fvck him...it is NONE of his business.

agree. things like that are personal information, not generally public knowledge.

[CrazyKell]

Keep trying, and some day it might happen. :lol:

The program worked for you? :whatwhat:

[wildchild]

a non licensed and probably non insured driver doesn't affect you? I'm not following that. you like rolling the dice that they won't hit you? then it really becomes a big problem for you, they don't need to hit you. insurance pays out they pass it along.

guess guys wheeling down a busy road don't affect you either?

no i have under/un insured mot ins. really how many times does that need to be said.

ok so let's these people get covered then i can drop that extra coverage right? no way in hell unless we stop letting illegal aliens get free licenses or drive without. there will always be a risk to you financially. you always need to protect your own assets. if your simply counting on laws or others insurance companies to protect you, that i would not understand.
they don't affect me unless they hit me. then we have a problem

insurance pays out so they pass it along? we're talking about people without ins here. the insurance wouldn't pay out, unless it was your insurance. what would be the difference if they had ins, oh yeah then their insurance would pay out and still pass it along.

this wasn't started just about car insurance more about life in general. why do people feel entitled to know so much about other people's personal business? why do they feel the need to "correct" other people from doing things that they don't approve of?

[Rangerscott]

I' a BIG believer in if you cant support yourself then there is no reason to be popping out kids. I'm 24 and not even close to considering getting married. Why in the hell would I want to drag my financial burdens onto someone else or even a child. Its selfishness.


Also theres no such thing as an accident birth unless a guy is walking around with a hard on and trips into a woman's vagina. Condoms dont cost much and they hand them out for free at clinics.

[CrazyKell]

I' a BIG believer in if you cant support yourself then there is no reason to be popping out kids. I'm 24 and not even close to considering getting married. Why in the hell would I want to drag my financial burdens onto someone else or even a child. Its selfishness.


Also theres no such thing as an accident birth unless a guy is walking around with a hard on and trips into a woman's vagina. Condoms dont cost much and they hand them out for free at clinics.

:?::?:

[HurricaneHeather]

this wasn't started just about car insurance more about life in general. why do people feel entitled to know so much about other people's personal business? why do they feel the need to "correct" other people from doing things that they don't approve of?

In my case, the info was offered up freely. I didn't feel entitled, nor did I ever want to hear it in the first place.

And things I don't approve of and things against the law are different.

Also, correcting someone for things I don't approve of and bitching about it online where it isn't affecting anything except post counts are very different things.

[Papa_Complex]

In my case, the info was offered up freely. I didn't feel entitled, nor did I ever want to hear it in the first place.

And in your position I would be worried that said asshole might clip my car in the parking lot at work.

[Rangerscott]

I wanna know who doesnt have insurance so i can throw nerf balls at them.

[Apoc]

Can't all be perfect like you. :shrug:


No, I know that...

But you could all try... :rockwoot:

The difference is that I dont pretend to have a shit ton of morals. My life is much easier that way, and yours would be too. I am who I am, and I give my opinion when asked (these threads are specificly to ask for opinions). Im a 'Do what ya think is best' kinda guy. I dont judge when people do things their own way, legal or not. It doesnt affect me in any way.

[Amber Lamps]

As a motorist it is my responsablity to know. Having insurance is part of being responsible driver. Ya it sucks paying for it but your an idiot if u dont have it and your a bigger idiot if u dont have home insurance.

I work my ass off to buy my things and maintain them. I'll be damned if some idiot wrecks my stuff and is too much off a fucking idiot to not pay for insurance. Also because of lazy ass idiots i have to pay more to protect myself because of these lazy ass idiots.


Aren't you at work now playing on the internet?!?:lol:

[Amber Lamps]

I think issues like vehicle insurance should be public information.

You're right! All medical and criminal records should be public as well! You may have a thief living next door or that girl you are dating may have had Gonorrhea or had an abortion... :idk:

You buy insurance to protect yourself, not other people. Even liability insurance is in place to protect you from being sued. It's not there because you care about your neighbors or have a "social conscience"...:lol: You take care of yourself and your family/property and let everyone else worry about their damn selves! My insurance takes care of my property, I don't really care what happens to the other guy in an accident.:idk: If the other person had had insurance, it wouldn't have prevented the accident from happening so what difference does it make?

[Amber Lamps]

Personally, I don't care if someone has insurance on their life or home. If they don't have insurance on their CAR, then it's my business because they are a potential financial burden to me, because they are breaking the law.

The above is an unpaid programme by someone who was taken to hospital after having his bike destroyed by an uninsured motorist, and is not the opinion of this station or its management.

How? Your insurance will pay for your car, medical bills, property, etc... In most cases their insurance doesn't pay for YOUR losses anyway. Maybe it's different in Canada but here my insurance pays for my damage in an accident.:idk: Didn't your insurance pay for your bike? Weren't your medical bills covered?

[Papa_Complex]

You're right! All medical and criminal records should be public as well! You may have a thief living next door or that girl you are dating may have had Gonorrhea or had an abortion... :idk:

You buy insurance to protect yourself, not other people. Even liability insurance is in place to protect you from being sued. It's not there because you care about your neighbors or have a "social conscience"...:lol: You take care of yourself and your family/property and let everyone else worry about their damn selves! My insurance takes care of my property, I don't really care what happens to the other guy in an accident.:idk: If the other person had had insurance, it wouldn't have prevented the accident from happening so what difference does it make?

Mandatory insurance is there to protect others and The State.

[Amber Lamps]

Well, in my case, this girl has openly offered up every bit of information to several people about her license status. I wouldn't ever ask about it. I don't care that much.

When she is driving around without a license, that is on her and will only affect her and her family. But when she is driving without insurance, she could seriously alter someone else's well being if she hits them. I guess in my mind, I am thinking about the people she might hit someday and how that would affect them. I've just become highly sensitive to this stuff lately.

Seriously, if she hits you, won't your insurance cover you?:idk:

[Papa_Complex]

How? Your insurance will pay for your car, medical bills, property, etc... In most cases their insurance doesn't pay for YOUR losses anyway. Maybe it's different in Canada but here my insurance pays for my damage in an accident.:idk: Didn't your insurance pay for your bike? Weren't your medical bills covered?

My insurance paid for my bike because the other guy didn't have insurance. I still was out a $500 deductible. In our system your insurance only pays for your own vehicle so far, then the company of the at-fault driver must make up the difference. It all happens behind the scenes though.

*EDIT* If the other driver had insurance, my deductible wouldn't have been charged.

[Amber Lamps]

Yup. I pay for insurance on a vehicle, sled, and motorcycle. Its there to protect me from idiots with no insurance. But, if some idiot with no ins hits me, im still covered, so why should I give a fuck. They are the one up shit creek.

Its really no more of a headache to me either way. So why should it bother me?

EXACTLY my point. What difference does it make?

[Amber Lamps]

Because if it's the other person's fault it typically costs you nothing but if that other driver is uninsured, then in most places you end up having to pay your deductible.


You should get broadform insurance. If it's the other driver's fault then your deductible is waived. Don't they offer that up north?:lol:

[HurricaneHeather]

Seriously, if she hits you, won't your insurance cover you?:idk:

After my deductible. I shouldn't have to be out my deductible if she was responsible. And I am not sure because I haven't had it happen to me, but I think my premiums would go up since I had a claim. Not sure about that one though.

[wildchild]

In my case, the info was offered up freely. I didn't feel entitled, nor did I ever want to hear it in the first place.

And things I don't approve of and things against the law are different.

Also, correcting someone for things I don't approve of and bitching about it online where it isn't affecting anything except post counts are very different things.


didn't mean for this to be about you. just I know many people who get in other's business and was curious why they think it appropriate to do that. it was actually APOC's response that got me thinking about it. "you mean there's someone else who thinks the way I do about it" kind of thing.
Personally I couldn't care less what other people do with their life.

sorry if it came off as about you.

[Papa_Complex]

You should get broadform insurance. If it's the other driver's fault then your deductible is waived. Don't they offer that up north?:lol:

Up here you don't pay your deductible if it's the other driver's fault unless it's an uninsured motorist.

If any of your politicians start pushing mandatory "no fault" insurance, kill him before he breeds.

[wildchild]

After my deductible. I shouldn't have to be out my deductible if she was responsible. And I am not sure because I haven't had it happen to me, but I think my premiums would go up since I had a claim. Not sure about that one though.


actually many times you end up paying deductible even if they have insurance, or you can take them to small claims court to make them pay the extra. that will get you a big bad judgement against them which is worth absolutely nothing. this I know for a fact.

[HurricaneHeather]

didn't mean for this to be about you. just I know many people who get in other's business and was curious why they think it appropriate to do that. it was actually APOC's response that got me thinking about it. "you mean there's someone else who thinks the way I do about it" kind of thing.
Personally I couldn't care less what other people do with their life.

sorry if it came off as about you.

Well since you didn't start off with: 'why the fuck do you care? RARRRR, I'm angry at you for being angry!!!' I wasn't too worried about it. :lol:

Oh, and you didn't feel the need to compare me to French people. I'm a Texan. French Canadian references don't mean much to me. :shrug:

[Amber Lamps]

I grew up poor too. We still abided by the law. There are far too many people around who either have money for a nice car/bike OR insurance. Buy a beater and play it legal.

I won't call you a liar but if you really believe that your parents never cut any corners to raise you, then you weren't really poor. People make decisions everyday whether or not to pay a $50 parking ticket or buy groceries.... Heck, I had my license suspended from not paying tickets. It was pay the ticket or pay the rent.:idk:

[wildchild]

Well since you didn't start off with: 'why the fuck do you care? RARRRR, I'm angry at you for being angry!!!' I wasn't too worried about it. :lol:

Oh, and you didn't feel the need to compare me to French people. I'm a Texan. French Canadian references don't mean much to me. :shrug:

so basically you're angry at me no matter what I do. :lol just like a woman. :scared:

[HurricaneHeather]

I won't call you a liar but if you really believe that your parents never cut any corners to raise you, then you weren't really poor. People make decisions everyday whether or not to pay a $50 parking ticket or buy groceries.... Heck, I had my license suspended from not paying tickets. It was pay the ticket or pay the rent.:idk:

He said they abided by the law. So, I'm guessing a parking ticket wasn't a concern.

I can't afford to pay a speeding ticket, so I go the speed limit. It's pretty simple.

[Amber Lamps]

Agree 100 %

I'm the opposite...no kids and we have full coverage on everything.

Same here! I protect myself and my property, fuck everyone else!:lol:

[HurricaneHeather]

so basically you're angry at me no matter what I do. :lol just like a woman. :scared:

Sorry, I think you misunderstood me. I was not even remotely angry at you. I was quoting my intepretation of someone else's accusations toward me in the other thread. :wink:

[Papa_Complex]

I won't call you a liar but if you really believe that your parents never cut any corners to raise you, then you weren't really poor. People make decisions everyday whether or not to pay a $50 parking ticket or buy groceries.... Heck, I had my license suspended from not paying tickets. It was pay the ticket or pay the rent.:idk:

I ate Kraft Dinner, canned spaghetti, or Lipton chicken noodle soup with bologna sandwiches for a whole lot of meals. When we had a car, it was a clapped out Chevy Nova. After my parents split I went for a year with one pair of pants and not knowing where my next meal was coming from so I was going to high school full time, while working full time. Sleep was a luxury.

The biggest corners were cut by my father who left us with crushing debt, because he just had to have his couple of two-fours a weekend.

Next?

[Tmall]

Pffft.

A car and a dad. You had it good...

Next! :lol:

Next! :lol:

[CrazyKell]

Pffft.

A car and a dad. You had it good...

Next! :lol:

I ate Kraft Dinner, canned spaghetti, or Lipton chicken noodle soup with bologna sandwiches for a whole lot of meals. When we had a car, it was a clapped out Chevy Nova. After my parents split I went for a year with one pair of pants and not knowing where my next meal was coming from so I was going to high school full time, while working full time. Sleep was a luxury.

The biggest corners were cut by my father who left us with crushing debt, because he just had to have his couple of two-fours a weekend.

Next?

Ya. Don't you know that if you weren't from the hood and didn't have to "do what you had to do" to survive your story doesn't hold any water around here? :lol

[Kerry_129]

What difference does it make?

THIS difference.

I think you're kidding yourself. My under/un-insured coverage is about twice what liability-only costs me.
Everybody that actually pays their insurance, and carries under/un-insured coverage is paying for those that don't - and generally paying a good bit, not some trivial amount.

How is that so seemingly difficult to understand?

[Papa_Complex]

Pffft.

A car and a dad. You had it good...

Next! :lol:

Next! :lol:

Dads actually COST money AND he took the car :p

Would have been better off without him and on welfare, but we were too proud.

Ya. Don't you know that if you weren't from the hood and didn't have to "do what you had to do" to survive your story doesn't hold any water around here? :lol

What Tmall and Apoc don't seem to realize, is that I was born in their neck of the woods ;)

[Amber Lamps]

And in your position I would be worried that said asshole might clip my car in the parking lot at work.

See but I worry about that now so... I bought full coverage insurance. All my stuff is paid for so I could carry liability only if I wanted. Btw uninsured motorist coverage is a scam perpetrated by the ins companies. In no-fault states YOUR insurance pays for your vehicle and medical bills so what does it matter to your insurance company if the other guy isn't covered? It's ridiculous.

[Papa_Complex]

See but I worry about that now so... I bought full coverage insurance. All my stuff is paid for so I could carry liability only if I wanted. Btw uninsured motorist coverage is a scam perpetrated by the ins companies. In no-fault states YOUR insurance pays for your vehicle and medical bills so what does it matter to your insurance company if the other guy isn't covered? It's ridiculous.

An even bigger scam is medical coverage on your auto policy. We have universal health care and I have a heap-load of supplemental coverage through work for all sorts of upgrades yet I have to pay for supplemental medical on my insurance, so that they can never pay out.

[the chi]

:lol: On the poor argument, I would just like to say for the record...

If you didnt grow your own food, you werent poor!!!

I dont really mean that, but altho I didnt grow up in the "hood", I had no father, my mother and I grew our own food when times were really bad, and I remember a few winters with no heat because there was no money to pay the bill. My mother still did what she needed to do, including walking to work when there was no car or money for gas, and didnt break the law while still taking care of us.

That means my word is law right? :wink:

[Amber Lamps]

After my deductible. I shouldn't have to be out my deductible if she was responsible. And I am not sure because I haven't had it happen to me, but I think my premiums would go up since I had a claim. Not sure about that one though.

Man again get broadform insurance! If it's not your fault, you don't pay a deductible. Also, your insurance "shouldn't" raise your rates for non-at-fault accidents. If they do, start shopping for insurance. I did that recently because my insurance was trying to charge me for last year's deer accident. I made some calls and saved $300 every six months.:rockwoot:

[wildchild]

Sorry, I think you misunderstood me. I was not even remotely angry at you. I was quoting my intepretation of someone else's accusations toward me in the other thread. :wink:

rats, I thought I had evoked some emotion.

I'll try harder next time. LOL

NO problem either way, all in fun.

[Amber Lamps]

Up here you don't pay your deductible if it's the other driver's fault unless it's an uninsured motorist.

If any of your politicians start pushing mandatory "no fault" insurance, kill him before he breeds.

Last time, doesn't your insurance company offer BROAD FORM coverage? It costs me like $16/6 months and waives my deductible if I am not at fault. Like I said, cover your own ass and quit worrying about everyone else. Yea you lost $500 but the other person lost their vehicle, possibly their freedom, a butt load of money in fines, possibly their job, etc, etc. I know it's their own fault but I think they are punished. Everyone is talking like these uninsured people walk away Scot-free from these incidents. They get what's coming to them and you're covered so....:rockwoot: I keep saying this, the lack of insurance didn't CAUSE the accident...:idk:

[CrazyKell]

Last time, doesn't your insurance company offer BROAD FORM coverage? :idk:

Last time....insurance in CANADA is different than insurance in the US. :skep: ;)

[Amber Lamps]

He said they abided by the law. So, I'm guessing a parking ticket wasn't a concern.

I can't afford to pay a speeding ticket, so I go the speed limit. It's pretty simple.

Yea I have problems with people would claim to "always" obey every law... I find it very hard to believe. Btw you've never gone 30 in a 25 mph zone or 60 in a 55 mph zone... yea right.:pebbs::lol:

[Papa_Complex]

Last time, doesn't your insurance company offer BROAD FORM coverage? It costs me like $16/6 months and waives my deductible if I am not at fault. Like I said, cover your own ass and quit worrying about everyone else. Yea you lost $500 but the other person lost their vehicle, possibly their freedom, a butt load of money in fines, possibly their job, etc, etc. I know it's their own fault but I think they are punished. Everyone is talking like these uninsured people walk away Scot-free from these incidents. They get what's coming to them and you're covered so....:rockwoot: I keep saying this, the lack of insurance didn't CAUSE the accident...:idk:

You can buy the deductible down to zero, but it's prohibitively expensive. you can even sue for the deductible, but blood from a stone and all that.

The person who hit me was out on the road, driving illegally and delivering pizzas, within 48 hours of having hit me. I reported him but his address on his license was old, and he dodged police until he could pay his fines to have his license reinstated, then got a back-dated insurance card.

He ended up being out something like $7K on the "no valid insurance" charge, a couple of hundred bucks for "failure to yield right of way", and a damaged clunker that he replaced with another clunker within 2 days. He was back to making untaxed earnings while driving illegally. I doubt that having his license suspended stopped him from driving for a living for a single day but I actually had to work for a living, so I couldn't keep trying to get him nailed.

Pretty damned close to scott-free, by my books.

[the chi]

Oh come on Tig, just because you arent perfect doesnt mean the rest of us cant be.

I have never *crosses fingers* sped on a public road, in my car or on the bike, I always obey laws and all the requirements of every place I am in and I am truly an exemplary and "perfect" person. Swear.

:angel:

I couldnt even type that with a straight face...

[Amber Lamps]

THIS difference.


Everybody that actually pays their insurance, and carries under/un-insured coverage is paying for those that don't - and generally paying a good bit, not some trivial amount.

How is that so seemingly difficult to understand?


Do you really believe that the ins companies would stop charging that if more people got insurance? It's a scam! My insurance pays for my vehicle no matter the circumstances. It's bullshit. Then the states get involved with their cute little charge on our insurance that's supposed to cover uninsured motorists but isn't that WELFARE or medicaid? Like I said it's all bs and it's not predicated on what percentage of the populous has insurance. They could easily make people get it if they wanted to. In NC the DMV, ins co and license bureau is CLOSE! They all are linked and know immediately if your situation changes. At least that's the way I hear it. Besides this insurance business is more about lawsuits than it is about property or medical bills.:idk:

[azoomm]

You know what? You're correct, I don't NEED to know. So why the fuck would you TELL me?? Especially if you KNOW it's not legal - or if you know my elitest attitude at all... why would you TELL me that you are making a conscious effort to break the law around me. Park your illegal ass next to me, and drive the same streets / parking lots as I do.

THEN it becomes my business. And, if there were more people that were socially aware, we might not have the huge problem that we have about such illegal behavior. But, by knowing it and letting it go - I'm endorsing the behavior.

[Papa_Complex]

Oh come on Tig, just because you arent perfect doesnt mean the rest of us cant be.

I have never *crosses fingers* sped on a public road, in my car or on the bike, I always obey laws and all the requirements of every place I am in and I am truly an exemplary and "perfect" person. Swear.

:angel:

I couldnt even type that with a straight face...

It was the 1970s. A speeding ticket for 20 over might as well have been a slap on the wrist, but back then they would even let you drive home rather than hit you with an impaired driving charge. We were in a city with pretty good mass transit so the barely working car didn't get much of a workout, and full coverage insurance was under $200/yr on that POS.

But I guess there aren't too many people here who can relate to a time when the youngest Jackson had just started out and looked black.

[Amber Lamps]

Last time....insurance in CANADA is different than insurance in the US. :skep: ;)

I wonder... Kelli, call your agent and see if they offer broadened coverage, pretty please.

[CrazyKell]

I wonder... Kelli, call your agent and see if they offer broadened coverage, pretty please.


According to John Watson, State Farm Agent in Cambridge, Ontario, there is no such thing as "broad form" insurance coverage in Ontario.

Ontario is a no fault insurance province which means that you only deal with your own insurance company and not theirs. Damages to your vehicle are covered by your insurance.

I wonder... Kelli, call your agent and see if they offer broadened coverage, pretty please.

My name is KellY or Kell.

Sorry....noticed you've spelled it differently a few times. :lmao:

Not being a bitch...just pointing it out. ;)

[shmike]

Ontario is a no fault insurance province which means that you only deal with your own insurance company and not theirs. Damages to your vehicle are covered by your insurance.




That is weird.

Florida is a no fault state. I got into an accident and it was entirely the other person's fault.

Her insurance company handled everything, right down to my rental car. I paid no deductible and when I called my agent, he didn't even report it to my insurance carrier. :idk:

[Amber Lamps]

You can buy the deductible down to zero, but it's prohibitively expensive. you can even sue for the deductible, but blood from a stone and all that.

The person who hit me was out on the road, driving illegally and delivering pizzas, within 48 hours of having hit me. I reported him but his address on his license was old, and he dodged police until he could pay his fines to have his license reinstated, then got a back-dated insurance card.

He ended up being out something like $7K on the "no valid insurance" charge, a couple of hundred bucks for "failure to yield right of way", and a damaged clunker that he replaced with another clunker within 2 days. He was back to making untaxed earnings while driving illegally. I doubt that having his license suspended stopped him from driving for a living for a single day but I actually had to work for a living, so I couldn't keep trying to get him nailed.

Pretty damned close to scott-free, by my books.

Believe it or not, I understand where you are coming from but the real problem is he hit you no? No amount of insurance is going to take away your pain and suffering. I mean are you angry you didn't have someone to sue?:idk:

Btw speaking of the op's topic, how in the hell do you know so much about this guy's personal life?:lol:

[Amber Lamps]

That is weird.

Florida is a no fault state. I got into an accident and it was entirely the other person's fault.

Her insurance company handled everything, right down to my rental car. I paid no deductible and when I called my agent, he didn't even report it to my insurance carrier. :idk:

Bike or car? There are different rules if it's a car-bike accident. The no fault rules are scrapped and if it is the car's fault, their insurance pays for everything.:rockwoot:

[Amber Lamps]

According to John Watson, State Farm Agent in Cambridge, Ontario, there is no such thing as "broad form" insurance coverage in Ontario.

Ontario is a no fault insurance province which means that you only deal with your own insurance company and not theirs. Damages to your vehicle are covered by your insurance.



My name is KellY or Kell.

Sorry....noticed you've spelled it differently a few times. :lmao:

Not being a bitch...just pointing it out. ;)


So the only way to not pay a deductible would be to get zero deductible insurance? Hmmm... then what is all of this talk about the other guy's insurance paying your deductible?:idk:

[shmike]

Bike or car? There are different rules if it's a car-bike accident. The no fault rules are scrapped and if it is the car's fault, their insurance pays for everything.:rockwoot:

Yeah...I'm going to need to see that in writing...

My accident was car-car.

[HokieDNA01]

My dualsport insurance costs $18/year. My uninsured motorist insurance (required by the state of TN) is $150/year. Pisses me off!

[Amber Lamps]

My dualsport insurance costs $18/year. My uninsured motorist insurance (required by the state of TN) is $150/year. Pisses me off!

Yea that's a bunch of bullshit! Here's the thing, let's say that the state has a legitimate case concerning the cost of treating all of these deadbeats. Well why don't they crack down on the people breaking the law? Why is it our responsibility to pay for their medical coverage? Hey if they get universal health care passed will they drop this charge from now on?:idk: I still think it's bullshit! My ins pays for me and your insurance pays for you. Why would my ins cares if you have ins? As far as the state goes, don't we already pay for all of these people's health care with our taxes? Aren't charity cases part of the reason that hospitals are so expensive? How many times are we going to be charged for the same problem/issue?:idk: Oh and it's always been bullshit for you to have to pay the state charge on every vehicle you insure. If anything, it should be a one time charge... Hit everyone for an extra $50 on their driver's license or get charged once per policy regardless of the number of vehicles.:idk:It's basically another tax and a fee that probably keeps poor people from buying insurance...vicious circle anyone?:wink:

[Apoc]

What Tmall and Apoc don't seem to realize, is that I was born in their neck of the woods ;)

I realize that, I never once said anyone wasnt entitled to their opinion. Mine just differs from yours. Ive seen tons of people lose their jobs in the last couple of years because of the economy, and struggle to get by, or lose everything. So like I said, if that 200$/month insurance is 200$ that needs to be put somewhere else, so be it.

Im not complaining because its none of my business. Its no one else either. Like I said, if I get hit by someone with no insurance, im covered, and that is frankly all that matters to me.

[azoomm]

Tigger, in all your ranting, it's difficult for me to understand your position on this. In one post you come off as implying we should just suck it up and work the insurance system. Then go off on why it is even happening.

It's happening because everyone just turns a blind eye.

Oh, and we know so much about people's personal life because they offer the information. Most are proud of the fact that they are fucking over the "system," they fail to realize that by fucking over the system they are actually fucking over everyone else around them with said system...

[wildchild]

yeah, I'm just proud that I finally started a topic that hit 10 pages in just a few hours. :)

[Apoc]

You need more threads per page then :p Only on the second here!

[HurricaneHeather]

yeah, I'm just proud that I finally started a topic that hit 10 pages in just a few hours. :)

:lol:

Good job.

[Papa_Complex]

So the only way to not pay a deductible would be to get zero deductible insurance? Hmmm... then what is all of this talk about the other guy's insurance paying your deductible?:idk:

That's about it. Let me introduce you to another website that I operate:

http://www.ontariomotorcycleinsurance.com/

[Amber Lamps]

Tigger, in all your ranting, it's difficult for me to understand your position on this. In one post you come off as implying we should just suck it up and work the insurance system. Then go off on why it is even happening.

It's happening because everyone just turns a blind eye.

Oh, and we know so much about people's personal life because they offer the information. Most are proud of the fact that they are fucking over the "system," they fail to realize that by fucking over the system they are actually fucking over everyone else around them with said system...

Ah I'm not sure what you mean? I think that it's bullshit that the state charges a fee for uninsured motorists on each and every vehicle covered. I was trying to say that we are being charged repeatedly for the same problem. I also believe that everyone needs to cover themselves with insurance and not worry about what someone else does. If I get into an accident, I'm covered and that's all I care about.:rockwoot: People without insurance are gambling with their lives/property/finances not mine. If they get into an accident with me, my shit gets fixed and they're fucked, that works for me!:lol: Quite frankly, the possibility does exist that the accident was my fault. Everyone is talking like the uninsured person is always at fault for the accident. I seriously doubt that is the case.:wink: All the insurance in the world won't prevent the accident, if it would then I'd be right with you. Since it won't I'll keep covering my ass and not care about yours.

[Amber Lamps]

yeah, I'm just proud that I finally started a topic that hit 10 pages in just a few hours. :)

Well alright!!!:bfp: