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04-07-2013, 07:29 PM | #55 | |
Asshole
Drives: 2012 and 2013! Join Date: Aug 2012
Location: Your moms house.
Posts: 392
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Quote:
Collision is high in Socal, due to the uninjured drivers here. Also a minor fender bender in LA causes the car to be totaled.
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Cheapest DD I could find!! |
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04-07-2013, 10:22 PM | #56 | |
Drives: '08 Yaris LB Join Date: Jan 2012
Location: British Columbia, Canada
Posts: 328
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A Corvette would be cheaper to insure. |
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04-07-2013, 10:50 PM | #57 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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04-07-2013, 11:03 PM | #58 | |
play every day
Drives: 2012 Yaris L 2dr 5sp Join Date: Apr 2012
Location: Los Angeles
Posts: 1,961
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Public liability and property damage... just the bare minimum required to legally register the car.
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Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions. |
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04-07-2013, 11:17 PM | #59 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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I don't have liability either. I look at (given my confidence in my driving ability and (except for 1 overall winter) living through the mild winters of coastal areas of California or SE Texas) what is the likelihood of my getting in an accident that is my fault and having to write a check for a new car (I almost always pick inexpensive new cars). I don't think the likelihood is very high (and I can afford it). Significant number of uninsured drivers in your area, and another post indicates the same is true in Florida. I'd love to know what the uninsured motorist statistics are for my area and if it dials down to just zip code or if which county also makes a difference. A couple of years ago I got into a conversation with a bank teller at a branch of my bank in Yarflana's neck of the woods. She told me 'we (she and her husband) can't wait until we move to Montgomery County (my county) so (among other savings) we can pay less for our insurance package (homeowner's and cars)'.
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04-07-2013, 11:33 PM | #60 | ||
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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04-08-2013, 01:21 AM | #61 | |
Drives: 2020 Corolla Join Date: Apr 2012
Location: Canada
Posts: 549
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Quote:
I just got my car fixed about a week ago ... and really it showed no matter how careful (or how good of a driver you think you are), things happen and it is just very very risky not to have adequate insurance coverage. |
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04-08-2013, 01:38 AM | #62 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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04-08-2013, 02:01 AM | #63 | ||
play every day
Drives: 2012 Yaris L 2dr 5sp Join Date: Apr 2012
Location: Los Angeles
Posts: 1,961
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Quote:
Which is why it's my own personal responsibility to be fully aware of what I'm doing and to be mindful of the consequences my own actions spin into motion. Assuming that personal responsibility alters a person's behavior by calling up something from inside of them which has the capacity to meet each new situation properly. Quote:
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04-08-2013, 02:26 AM | #64 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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04-08-2013, 01:10 PM | #65 | |
Asshole
Drives: 2012 and 2013! Join Date: Aug 2012
Location: Your moms house.
Posts: 392
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Quote:
You do know what happens if you're held liable for a collision, and your bare minimum ($5,000) insurance isn't enough to cover the other guys car damage?? Or your ($15,000) injury liability won't cover someones ER bill? It comes out of your pocket. I have an extra $1000,000.00 umbrella policy that costs $200 year to cover!!
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Cheapest DD I could find!! |
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04-08-2013, 01:12 PM | #66 | |
Asshole
Drives: 2012 and 2013! Join Date: Aug 2012
Location: Your moms house.
Posts: 392
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Quote:
No one here knows how to drive in the rain........or on a clear day as a matter of fact.
__________________
Cheapest DD I could find!! |
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04-08-2013, 02:58 PM | #67 | ||
play every day
Drives: 2012 Yaris L 2dr 5sp Join Date: Apr 2012
Location: Los Angeles
Posts: 1,961
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Quote:
I should pay in full for any injury or damage I cause. That's what choosing to assume personal responsibility is all about. And it is awareness of that choice which modifies behavior accordingly. Quote:
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04-08-2013, 04:34 PM | #68 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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04-08-2013, 04:49 PM | #69 | |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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Quote:
I guess my point is that tooter is obviously a happy, competent person who is likely already aware of what we are telling him...but knows we (active Yarisworld members) like to put our 2 cents in and only mean well, so he replies in a good natured manner. I HATE giving money to insurance companies, but I would HATE EVEN MORE giving money to a lawyer who extracted it out of me re an accident...so...like you...I pay for that privilege. |
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04-08-2013, 05:11 PM | #70 |
Drives: 08 Yaris Sedan Join Date: Oct 2008
Location: California - Bay Area
Posts: 2,773
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After reading all theses posts now that I paid my car off it looks like its time to drop to liability insurance.
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04-08-2013, 06:05 PM | #71 | |
Drives: '08 Yaris LB Join Date: Jan 2012
Location: British Columbia, Canada
Posts: 328
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04-08-2013, 06:37 PM | #72 |
Drives: 2('14+'07)MT 3d ,wHandCrWndws! Join Date: May 2009
Location: S.MontgomeryCnty,TX(HoustonMSA) '07=BayouBlue=300,125miles=OrigOwnr '14=ClassicSilvr=29,059miles
Posts: 4,839
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