I think I'll stay fully covered.

[Kamatari+]

Last night I was thinking about switching my insurance coverage from full coverage to the state minimum. There isn't any real need for my switch, just something I considered. Then, this morning happened.

[Warning, only mildly interesting].

As I was on my way to work, I saw a honda civic driver who was too impatient to wait for the line of cars heading towards the stop sign, so he decided to leave his spot on drive on the shoulder of the road , where children were standing as they waited for their school bus, just to merge further ahead. "Wow" my spouse and I say outloud.

I get to a stop light a few yards away. The oposite lane had their left turn green light and are subsequently turning left ( I need to make a right.) Once their light goes off so my side of traffic can go forward (and in my case, right) the oposite lane is still making left turns. "Okay-dokay" . It's now dangerous to make a right turn when I have the green light to do so.

Must be the Mondays

I'm making my way to the highway portion of my commuite still within 5 miles of the last two events and a driver of a toyota cam sqeezes behind me , then jumps out of lane in front of me where there was bearly 2 inches of clearence. We were going close to 50 miles an hour. Now I'm waiting in the same lane at a stop light. One car drove practically diagonally to get in front of me. Once again, there was little space between the car on my right and myself.

Must still be the Mondays

I'm at the end of the highway and close to my work place waiting nearing a red light. A driver comes from the back of the line and merges in front of me. After the light has been red for about 5 seconds he decided he was going to go through it. "That was dangerous" I thought out loud. Once I creep to the pedestrian line before the light, another impatient driver cuts her car in front of me, then asks if she can.. cut in front of me. "By all means" I say. "You already started the process."

Short version:
Aaaand now I'm at work. None of the events above ended in an accident, but all had the potential to. So I think I'm convinced to stay fully insursed. I don't remember having a day where I drove to work and became struck by anxiety. It was only a 45 minute drive!

ಠ_ಠ arruggh

[Joey GT-R]

If you can afford it, keep everything with wheels parked at your house with full coverage. Insurance companies try to say, "It's not worth it". But for us it really is. For that $80-$150 a month that you could save, could you really replace your CB? More importantly, could you replace yourself?

[toycar]

I am older so I'll offer up my advice.


As you get older, insurance gets cheaper as long as you don't drive like an asshole.

I pay about $80/month for full coverage on my cd5 and my wifes 2012 Fiat 500(combined) and that is for 150/300k limits and FULL coverage.

When you are younger, they just fuck you raw over insurance. Keep the full coverage, it'll pay off in the long run.

It gets cheaper, and its totally worth it. I have full coverage on all my cars. My sons civic was going to cost $119/month for liability only(in his name) or $26.85/month for full coverage for it to be in my name.


Just stick it out. It gets cheaper and is totally worth it. We had a Ford Explorer get totaled and it was parked when the accident happened. Nobody was even inside it. Driver drove off.

If I didn't have full coverage, I wouldn't have gotten shit out of the deal. Just fuck you, explorer is totaled and have a nice day.

[trickedaccord92]

It isn't about Monday it is about Florida LOL. I hated driving to work in Orlando and Kissimmee when I lived down there. People have no common since what so ever lol. Hell my father in law is still recovering from some lady running him over last month while he was riding his Harley. I mean she just straight up pulled out of a parking lot and run him over.

[GeoffM]

Things I've learned from situations like this:

• When someone cuts me off, or doesn't use a blinker, I turn my brights on. I don't flash them, I turn them on and leave them on until they switch lanes or opposing traffic flashes me.
• Be more aggressive with your horn
• Everyday I give more and more weight to the idea of installing paint ball guns in my bumper.

[toycar]

Things I've learned from situations like this:

• When someone cuts me off, or doesn't use a blinker, I turn my brights on. I don't flash them, I turn them on and leave them on until they switch lanes or opposing traffic flashes me.
• Be more aggressive with your horn
• Everyday I give more and more weight to the idea of installing paint ball guns in my bumper.

Paintballs freeze, and make awesome ammo. Gobstoppers work pretty good too.


Lol

[red07frontier]

I got 130watt 8" flood lights mounted on my ARB winch bumper. Someone cuts me off they regret it real fast. I blinded a stupid kid in a civic once that I saw tailgating and screwing with an elderly woman minding her buisness. I got behind him and flashed all my lights on at once, he smashed up onto the curb, bet he won't do that again.

Totally keep the full coverage though, as was said before you never know when you'll need it.

[oyajicool]

If you could afford to drive to commute to work in other time frame, please do so.

What I am saying is to drive 30 minutes to 60 minutes earlier or later than majority of commuters do. That way, you could avoid having majority of idiots around you.

And as suggested already, if you could afford having a full coverage then might as well do so. As they say, shi* happens, to all of us one day, no matter what.

[Leung]

When i had my Dodge Dakota, i was thinking of switching to liability insurance but once i had my accident in which it was my fault, i was glad i never made that call. I only paid $2200 for the truck but got $3300 back from insurance; i guess it was worth more than i thought it was.

[deevergote]

I have my Fit and my CTS-V fully covered, since they're still worth something. The CB7 really isn't worth anything to an insurance company, so I wouldn't get much if I wrecked it. Plus, I'd need to buy it back from them if it was fixable... since they'd probably total it for a simple fender-bender!

I'm thinking of taking the Fit off of full coverage, since it's already beat to shit, and has over 300,000 miles on it. The CTS-V isn't in fantastic shape, being a 7 year old car with over 100,000 miles... but it's still a fairly valuable car. Still worth more than my other cars combined!

My insurance for 3 cars right now is like $4200 a year, though. It's pretty brutal. NJ sucks.

[Tippey764]

I wouldn't pay for full coverage insurance for any of the cars i own now. The extra i will spend a year will be more than the car is worth. If i wreck it i'll just buy another.

[deevergote]

Exactly. And with our old CB7s, an insurance company won't value it at anywhere near what we put into a serious hobby car. Unless full coverage is dirt cheap, I wouldn't do full coverage on an old CB7. I love my car, and it's essentially irreplaceable... but an insurance company MIGHT give me $1000 for it. If I'm lucky.

[red07frontier]

That's why you tell them the modifications that are done and what it is worth in fair market and they insure you for that. Ya it's a little more but it's worth it. You insure a stock car if its stock. Not if its got 5k in upgrades. Just tell them and have as much documentation to back up your value, I.E. recipts, pictures, serial numbers and such. You can't claim it had a massive stereo and have no proof.

Also $4200 a year is insane money, whys it so much money there?

[toycar]

Damn Deeve, $4200/ Thats like $350/month. For 3 cars? You been stealing school buses or something?


Christ.



I pay about that much for full coverage on a bunch of cars.

-3 dsms
-cd5 accord
-CB7 accord(not anymore)
-2005 dodge ram
-2012 fiat 500
-1968 firebird

And my policies are 150/300k policies too. Not the entry level 50/100k deal.



I can't believe how bad people get fucked around on insurance. My sons shit was going to almost 5x more for liability on his own policy vs me insuring with full coverage.

[GHOST 2.2]

when my 4door was totalled in 2006 it was under full coverage.

with all the mods and everything, the insurance offered 3500 for the whole car. 2500 if i didnt surrender the car to insurance.

so i took the 2500 and parted out the extras. which in the end i got about 4000.

im sure now, we'll see nothing like that.