08-25-2005, 10:54 AM
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#1 |
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Chief of Naval Operations
  
Join Date: Aug 2002
Location: San Diego
Posts: 10,086
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Which kinds of car insurances do you pay for?
Two questions. Is there any reason not to go for the $1000 deductable? And this one's more tricky: what about uninsured motorist. Won't my health insurance cover me? How about comprehensive? The insurance company has to make money off this so it makes sense that in the long run you're better off without it right?
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As for our common defense, we reject as false the choice between our safety and our ideals. Last edited by InfiniteNothing : 08-25-2005 at 12:51 PM. |
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08-25-2005, 11:00 AM
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#2 |
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Rear Admiral Lower Half
 
Join Date: Jul 2001
Location: Colorado
Posts: 2,743
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I remember in my girlfriends case, to go for a lower deductible (in her case, from $500 to $250), cost like $2/month. So, in her case, as long as she got into an accident every 10 years, it made sense.
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08-25-2005, 12:20 PM
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#3 |
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Admiral
Join Date: Jan 2002
Location: NorCal
Posts: 6,124
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I currently have a $500 deductable because the cost difference between $500 and $1000 wasn't very much. The difference between $250 and $500 was significant, though.
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I think over again My small adventures, my fears. The small ones that seemed so big, For all the vital things I had to get and to reach. And yet there is only one great thing, the only thing: To live to see the great day that dawns, And the light that fills the world. -old Inuit song |
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08-25-2005, 12:25 PM
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#4 | |
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Chief of Naval Operations
Join Date: Aug 2002
Location: San Diego
Posts: 10,086
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Interesting. I quit writing the thread and decided not to post it half way into the poll. I guess you can't quit that late. I'll edit the question.
Quote:
Hah! So we're betting against ourselves? I don't really plan on getting into an at fault accident in the next 10 years. Last edited by InfiniteNothing : 08-25-2005 at 12:53 PM. |
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08-25-2005, 01:11 PM
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#5 |
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Admiral
Join Date: Jul 2003
Location: California
Posts: 6,681
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trust me you want uninsured motorist. If I had it when my cutlass was hit I could've fixed it, they give your around 3500 for the whole deal.
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"I remember my first orgasm, I just wish someone was there to share it with me..."11-05-2003 05:33 AM - Topane They that can give up essential liberty to obtain a little temporary safety deserve neither liberty nor safety. - Benjamin Franklin Religion is the sigh of the oppressed creature, the heart of a heartless world, & the soul of soulless conditions. It is the opiate of the masses. - Karl Marx Hell is other people - Jean-Paul Sartre 
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08-25-2005, 02:07 PM
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#6 |
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Admiral
Join Date: Feb 2001
Location: Maryland
Posts: 6,578
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Sometimes although you're not at fault, the other guy can claim that in fact you are. Get the uninsured motorist coverage...I got hit by someone who gave me all their insurance info but it turned out she stopped paying her car insurance 2 months before. Also get the rental coverage IMO...it cost like 50 bucks more but if your car is ever in the shop for more than 2 days which in my cases it was for 2 weeks, it pays for itself. M
My deductible is 250 for collision and 200 for comp.
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08-25-2005, 02:26 PM
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#7 | |
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Chief of Naval Operations
Join Date: Aug 2002
Location: San Diego
Posts: 10,086
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Quote:
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08-25-2005, 02:32 PM
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#8 | |
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Chief of Naval Operations
Join Date: Aug 2002
Location: San Diego
Posts: 10,086
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Quote:
Rental coverage? $50 per.... You mean if you're in the shop for more than two days every 6 months? |
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08-25-2005, 02:47 PM
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#9 |
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Commander
 
Join Date: Dec 2004
Location: Land of fruits and nuts
Posts: 1,124
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All it takes is one big accident whether it was your fault or not and you will wish you had all of those coverages. I say better safe then sorry. You are trying to save pennies when it is going to cost you dimes if you ever have a significant accident. You may be plannig on never having an accident but what about the other million or so drivers on the roads who don't give a sh*t whether you have insurance or not. They don't ,
 so they don't care what happens.....and their driving proves it.
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My grandkids are cuter than yours ! Rock on Chargers ! Lets go Padres !! All the way in 2009 |
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08-25-2005, 03:01 PM
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#10 | |
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Chief of Naval Operations
Join Date: Aug 2002
Location: San Diego
Posts: 10,086
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Quote:
Well... replacing my car is an acceptable risk. If I get into a big accident and they don't have enough coverage... I'll buy another car tapping into the savings I made from not having to pay UIM. The insurance company knows what the risk is of an uninsured motorist hitting me. It's not save nickles pay dimes. It's save a penny each year for 10 years but pay 9.9 pennies at the end of the year. Last edited by InfiniteNothing : 08-25-2005 at 03:03 PM. |
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08-25-2005, 03:10 PM
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#11 |
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Lieutenant Commander
Join Date: Jun 2000
Location: CO
Posts: 690
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Tapping into the savings.... Thats assuming every dollar you are saving you put away for this very fact. Maybe you are stricter than I am but when I have tried to do this in other situationos it just doesn't work. Better safe than sorry.
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08-25-2005, 03:19 PM
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#12 | |
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Rear Admiral Lower Half
Join Date: Jul 2001
Location: Colorado
Posts: 2,743
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Quote:
However, if you're the unlucky guy who gets hit and has your car totalled and $300k of medical bills, you beat the insurance company. Strange thing, insurance. Basically, you're betting something bad will happen to you. |
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08-25-2005, 03:33 PM
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#13 |
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Chief of Naval Operations
Join Date: Aug 2002
Location: San Diego
Posts: 10,086
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But medical insurance would cover my medical bills. You haven't beat anyone.
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