"Most Dangerous Car in America"

[otterhere]

Is this true (according to a study that just came out), or is someone jerkin' my chain?

[tk-421]

link?

[otterhere]

Someone told me on Facebook. Yeah, I know, but... Let me look...

[otterhere]

http://www.latimes.com/business/auto...,1218868.story

[NEexpat]

That's right, that's right we're dangerous!

[AlphaCentauri]

Los Angeles Times 09/20/2012 Reported Don't get in a traffic accident in a Toyota Yaris. It has a higher rate of personal injury claims than any other auto, according to the Highway Loss Data Institute. The research arm of the insurance industry said Yaris drivers or passengers filed personal injury claims 28.5 times for every 1,000 model year 2009-2011 Yaris subcompacts insured by the industry.

http://www.latimes.com/business/mone...,4970490.story

[tk-421]

thread merge incoming...

[MadMax]

Yet there are numerous accident threads on this forum where Yaris occupants survived relatively unscathed (thank God!) ...

Cheers! M2

[fnkngrv]

Originally Posted by MadMax

Yet there are numerous accident threads on this forum where Yaris occupants survived relatively unscathed (thank God!) ...

Cheers! M2

It has actually been amazing what some folks have come out of for Yaris accidents and walked away. It think that it has been established that even a few folks that should have actually died survived.

[12 yaris]

Hell,Every car is dangerous with a careless driver.

[tooter]

Originally Posted by 12 yaris

Hell,Every car is dangerous with a careless driver.

Absolutely.

The most dangerous part in every car is the nut behind the wheel.

[matti]

Crazy question: If more similar data was released, could this affect insurance rates for Yaris drivers?

[nookandcrannycar]

Originally Posted by MadMax

Yet there are numerous accident threads on this forum where Yaris occupants survived relatively unscathed (thank God!) ...

Cheers! M2

That's because we are a group of skilled, thoughtful drivers!

[jayeh]

Originally Posted by matti

Crazy question: If more similar data was released, could this affect insurance rates for Yaris drivers?

Your area doesn't do this already?

Quotes I received here...

2008 Corvette $105 per month
2008 Ford Crown Vic $75
2008 Yaris HB $125



Anything made by Honda or Toyota is an extra $20 a month easily. I've noticed that most Yaris/Echo drivers are especially bad but not the overly aggressive bad, or the lazy bad (not signalling etc), but the "I'm so scared I might actually crap my pants if I drive over 55mph, but I'll cut across 6 lanes of highway without even looking" totally-fucking-stunned clueless type.

[JumpmanYaris]

So is the smart car in second place?

[tooter]

Insurance on my 2012 Yaris costs 75 cents a day because I only buy the minimum required to register the car.

[edmscan]

Originally Posted by jayeh

Your area doesn't do this already?

Quotes I received here...

2008 Corvette $105 per month
2008 Ford Crown Vic $75
2008 Yaris HB $125

I am paying 75$ per month for my 2007 Yaris RS 3 Dr LB ... and that is with collision and 2 million liability.

So .. I knew the rates in Ontario were high but that is quite high. But then again, I am getting the best rate that the insurance company offered due to many years of accident free driving.

Originally Posted by tooter

Insurance on my 2012 Yaris costs 75 cents a day because I only buy the minimum required to register the car.

That is very cheap .. but I am not surprised as the rates in the US are generally lower than Canada where we are turned upside down and shook til all our money falls out .. then they shake us some more to make sure they got it all.

[nookandcrannycar]

Originally Posted by edmscan

I am paying 75$ per month for my 2007 Yaris RS 3 Dr LB ... and that is with collision and 2 million liability.

So .. I knew the rates in Ontario were high but that is quite high. But then again, I am getting the best rate that the insurance company offered due to many years of accident free driving.



That is very cheap .. but I am not surprised as the rates in the US are generally lower than Canada where we are turned upside down and shook til all our money falls out .. then they shake us some more to make sure they got it all.

It's not that cheap. Tooter isn't paying that much, but he's not getting that much coverage either. The minimum coverage to register a car in California is 15 Thousand Per Person/30 Thousand Per Accident Bodily Injury and 5 Thousand Property Damage. I just looked it up and was amazed it is still that amount. It was the same when I started driving and at that time I remember my mother told me it had been at that same level since at least the early 1970's. Tooter would be paying more if he lived in Bell, Compton, or Inglewood and he'd be paying less if he lived in the NW part of Woodland Hills or in Hidden Hills.

Do you have to have collision in Canada? or is it like here in the U.S. where if you paid cash for the car, you don't have to have collision? Do Canadian insurance companies ask you how many miles you drive and base your rate on that? Years ago here they asked you your annual miles when you got the policy and that was it. Then 10 + years ago insurance companies (at least in California) started asking that question every year. In Texas you have to give an affidavit of your odometer reading (at least with my company and I know some others) to get the 'mileage discount'. There really isn't any point in not giving the mileage because you have to get your car inspected every year and the inspection station gives the odometer reading to the State and the insurance company can get that information from the state. I don't carry collision and I don't think I have since I was a teenager. Many U.S. insurance carriers have a 750k to 1 million dollar liability limit on their auto policies and then the amount above that is picked up on an Umbrella Policy if you choose to have one. For me, the underlying amount below my umbrella policy is 1 million. My first insured year here (car wise) I paid 434.00 for that 1 million coverage based on 15-20k miles per year. The next year my mileage increased to 20-25k per year and my premium increased 6 dollars to 440.00. The next year (which just started a few weeks ago) my mileage increased to their 30-40k per year band and my premium increased to 480.00 per year. Given your location, liability amount, and that you're paying for collision, your rate doesn't seem high.

My zip code here in Texas = low crime rate . It is almost exactly the same as Calabasas/Hidden Hills in California.