Insurance.....makes no fucking sense!

[Glides]

I think I need Mike's help with my car situation. lol

But best of luck, insurance companies do try to fix everything even if it's totaled just to save $10. I can't believe insurance companies are this ridiculous. I'm better off not having insurance and paying the shit myself. What in the world are people paying monthly/yearly for? Obviously nothing but paychecks to others.

Actually, what you just said is the dumbest statement I think I have heard in awhile on this site. SO let's break it down.

It's better off to have no insurance? Hmmm. You owe 5k on your car.....then you hit a woman in a nice Mercedes, totalling hers out, she owes 42K on hers. Her car is only worth 32K right now, but with your logic you owe 42k since a cars value is what you owe on it right? Not actual cash valiue.

Since your wonderfully smart choice to have no insurance is in effect, you now owe 5k on your car, 42k on her car and let's say she has has a neck injury requiring an emergencey room visit totalling a whopping 10k as well, 1k ambulance ride and whatever else they tack on there. You will now owe that as well.

So she has uninsured motorist coverage. They will work on her claim and........then her insurance company sues you. You lose...because you will since you were the degenerate that didn't have auto insurance (Which is against the law) and caused this poor womans acident leading to her distress and fear of Lexus SC 300s...which she adds onto the suit for mental anguish and goes for punitive damages. So let's say you get off lightly.
Her car...42K
Your car 5K.
Her medical bills - God knows.
Court fees. Because yes, you DO pay them when you lose.
Punative damages. God knows again.
So light side....100k.

All because you decided that you were better off with no insurance.

As for paying what they pay, to save $10. Once again, stupid comment. Let's break that one down in Import Atlanta style.
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A guy wants to sell a stock 98 Civic. He wants 9K for it because that's what he owes. Of course, that busted joint isn't worth that. Would you pay that for it? Hell no, you would be one of the first ones in his thread telling him his asking price was stupid. Insurance companies are the EXACT same way, they just don't have a catchy screen name and green rep bars to hide behind.

It's just simple business. Nobody sees that because they only time they deal with insurance companies is when they get in an accident. It's the same as any other business out there. I know you won't run around with no insurance, what you said was a statement to get people to agree with you. But some folks ACTUALLY feel that way and try to get around it....and they get popped. Not a pretty place to be in man. I see it every day.

[Buttons]

Actually, what you just said is the dumbest statement I think I have heard in awhile on this site. SO let's break it down.

It's better off to have no insurance? Hmmm. You owe 5k on your car.....then you hit a woman in a nice Mercedes, totalling hers out, she owes 42K on hers. Her car is only worth 32K right now, but with your logic you owe 42k since a cars value is what you owe on it right? Not actual cash valiue.

Since your wonderfully smart choice to have no insurance is in effect, you now owe 5k on your car, 42k on her car and let's say she has has a neck injury requiring an emergencey room visit totalling a whopping 10k as well, 1k ambulance ride and whatever else they tack on there. You will now owe that as well.

So she has uninsured motorist coverage. They will work on her claim and........then her insurance company sues you. You lose...because you will since you were the degenerate that didn't have auto insurance (Which is against the law) and caused this poor womans acident leading to her distress and fear of Lexus SC 300s...which she adds onto the suit for mental anguish and goes for punitive damages. So let's say you get off lightly.
Her car...42K
Your car 5K.
Her medical bills - God knows.
Court fees. Because yes, you DO pay them when you lose.
Punative damages. God knows again.
So light side....100k.

All because you decided that you were better off with no insurance.

As for paying what they pay, to save $10. Once again, stupid comment. Let's break that one down in Import Atlanta style.
.
A guy wants to sell a stock 98 Civic. He wants 9K for it because that's what he owes. Of course, that busted joint isn't worth that. Would you pay that for it? Hell no, you would be one of the first ones in his thread telling him his asking price was stupid. Insurance companies are the EXACT same way, they just don't have a catchy screen name and green rep bars to hide behind.

It's just simple business. Nobody sees that because they only time they deal with insurance companies is when they get in an accident. It's the same as any other business out there. I know you won't run around with no insurance, what you said was a statement to get people to agree with you. But some folks ACTUALLY feel that way and try to get around it....and they get popped. Not a pretty place to be in man. I see it every day.

you're reading way too far into what i'm saying. i was recently in a wreck and it feels like that don't do much. they won't total a car even if it should be totalled. they are trying to save every dollar they can. they have an extra $6K bill on them for not totalling my car in the first place. jesus. My car is only worth $500 more, but they wanted to save the $500 more.

you're an ignorant. i was "over exaggerating." Ever heard of that? You need to get off the internet. You take things WAYYYY too serious.