I hate them with the fury of 10000 suns
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Intel 4004 wrote:
My license was taken away from me for not having insurance.
Good. What happens when your layabout ass hits someone and damages their property? Do you have 10K in the bank to pay?
Intel 4004 wrote:
I couldn't afford insurance in the first place, so now they enslave me with higher costs.
Then you shouldn't be driving.
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Synaptrik wrote:
I disagree heavily with forced insurance.
Ok, how about you keep enough cash in the bank to pay for any damages you may do to somebody's property or health? Having insurance when you drive is sensible and responsible.
Synaptrik wrote:
Talk about TAXES!
You don't have to drive you know. And since you've mentioned the "commons" to me in the past wouldn't you be endangering the commons by driving without insurance?
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Intel 4004 wrote:
Most people do, it should be a right not a privilage to transport yourself using your own vehicle.
Do you realize that when you drive without insurance you are risking not only your transportation but other people's as well? Regardless of how good of a driver you are accidents do happen, I went well over a decade before having my first. Assuming an accident does happen in which you are at fault, how will you compensate the other party for the damage you did? Will you even try? Will you be just another scab and force them to sue you and never collect a dime even though you did damage their property?
Intel 4004 wrote:
Should I pay bike insurance too?
p=mv
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Intel 4004 wrote:
Most people do, it should be a right not a privilage to transport yourself using your own vehicle.
Do you realize that when you drive without insurance you are risking not only your transportation but other people's as well? Regardless of how good of a driver you are accidents do happen, I went well over a decade before having my first. Assuming an accident does happen in which you are at fault, how will you compensate the other party for the damage you did? Will you even try? Will you be just another scab and force them to sue you and never collect a dime even though you did damage their property?
Intel 4004 wrote:
Should I pay bike insurance too?
p=mv
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
Chris Austin wrote:
Do you realize that when you drive without insurance you are risking not only your transportation but other people's as well?
The transportation is under risk regardless. A crash is a crash.
Chris Austin wrote:
Assuming an accident does happen in which you are at fault, how will you compensate the other party for the damage you did
Lets put it this way, I was paying about 500 something every six months for basic insurance. I'm not giving insurance companies my hard earned money. If I owe someone for damages, they will get paid with the money I saved not paying for insurance. I paid thousands already, thousands I could have stashed away in a CD or something.
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Chris Austin wrote:
Do you realize that when you drive without insurance you are risking not only your transportation but other people's as well?
The transportation is under risk regardless. A crash is a crash.
Chris Austin wrote:
Assuming an accident does happen in which you are at fault, how will you compensate the other party for the damage you did
Lets put it this way, I was paying about 500 something every six months for basic insurance. I'm not giving insurance companies my hard earned money. If I owe someone for damages, they will get paid with the money I saved not paying for insurance. I paid thousands already, thousands I could have stashed away in a CD or something.
You have $10k in the bank?
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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You have $10k in the bank?
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Intel 4004 wrote:
10k ain't sh*t.
Agreed. But, do you have enough money in the bank to replace or repair somebody's new car?
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Intel 4004 wrote:
10k ain't sh*t.
Agreed. But, do you have enough money in the bank to replace or repair somebody's new car?
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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I disagree heavily with forced insurance. Talk about TAXES! I've paid enough insurance over the last 24 years to buy a new car and never filed a single claim.
This statement is false
Synaptrik wrote:
I disagree heavily with forced insurance
It depends if you are talking insurance for property damage or insurance against injuring someone... Over here, your car registration includes a (quite hefty) portion that pays for your CTP insurance - compulsory third party insurance that covers you against injuring or killing another person. It doesn't cover you for property damage. If you don't have CTP (and the only way that can happen here is if your vehicle is unregistered) there are hefty fines. HOWEVER - you do not have to have normal insurance (to cover damage to property), and I personally know people who "self insure", ie: they don't pay an insurance company and are happy to cover damages privately. I did this when I had a motorbike worth $2000 that was going to cost me $900/year to insure.
Knowledge is knowing that the tomato is a fruit. Wisdom is not putting it in fruit salad!! Booger Mobile - Camp Quality esCarpade 2010
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In surveys, around 85% of drivers state that they are above average or better.
Knowledge is knowing that the tomato is a fruit. Wisdom is not putting it in fruit salad!! Booger Mobile - Camp Quality esCarpade 2010
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Ok ok, I concede. Speaking of the French, is there a surrender icon?
This statement is false
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What kind of road were you on? If in a built-up area with a school with a very low speed limit, then this 4km/h could be important. If not, the authorities are being somewhat pedantic. You mentioned "margin of error", that is a very credible defense. Reason, vehicle odometers are legally permitted (in Britain) a tolerance of +- 10% accuracy, unless you knew you were exceeding whatever the speed limit was, in which case, you are probably on to a losing wicket. However, long time no speak. How are things in general ?
Autoroute with limit in excess of 90 km/hr. It's pedantic and as a result, ridiculous. Aside from this last stupidity, things are fine. What I hadn't mentioned was that I just bought a new car and came home from the dealership only to get this ticket in the mail...
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Synaptrik wrote:
I disagree heavily with forced insurance.
Ok, how about you keep enough cash in the bank to pay for any damages you may do to somebody's property or health? Having insurance when you drive is sensible and responsible.
Synaptrik wrote:
Talk about TAXES!
You don't have to drive you know. And since you've mentioned the "commons" to me in the past wouldn't you be endangering the commons by driving without insurance?
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
Chris Austin wrote:
Ok, how about you keep enough cash in the bank to pay for any damages you may do to somebody's property or health? Having insurance when you drive is sensible and responsible.
I've already paid 20,000 on the assumption that I will cause damage. Really this is wealth redistribution. I'm forced to pay because someone else caused damage they weren't able to cover. Its forced. Just glad to see that you agree with forced payments for something you don't use. Kinda like Medicare and Social Security. Good to see that you support FICA.
This statement is false
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Synaptrik wrote:
I disagree heavily with forced insurance
It depends if you are talking insurance for property damage or insurance against injuring someone... Over here, your car registration includes a (quite hefty) portion that pays for your CTP insurance - compulsory third party insurance that covers you against injuring or killing another person. It doesn't cover you for property damage. If you don't have CTP (and the only way that can happen here is if your vehicle is unregistered) there are hefty fines. HOWEVER - you do not have to have normal insurance (to cover damage to property), and I personally know people who "self insure", ie: they don't pay an insurance company and are happy to cover damages privately. I did this when I had a motorbike worth $2000 that was going to cost me $900/year to insure.
Knowledge is knowing that the tomato is a fruit. Wisdom is not putting it in fruit salad!! Booger Mobile - Camp Quality esCarpade 2010
I think an escrow account is more appropriate. I've paid about 20,000 so far in insurance and never needed to file a claim nor answer to one. So, I've already paid. I should be able to use what I've paid to cover any future damages, with a refund to use in retirement if I decide to stop driving.
This statement is false
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Chris Austin wrote:
Ok, how about you keep enough cash in the bank to pay for any damages you may do to somebody's property or health? Having insurance when you drive is sensible and responsible.
I've already paid 20,000 on the assumption that I will cause damage. Really this is wealth redistribution. I'm forced to pay because someone else caused damage they weren't able to cover. Its forced. Just glad to see that you agree with forced payments for something you don't use. Kinda like Medicare and Social Security. Good to see that you support FICA.
This statement is false
Synaptrik wrote:
I've already paid 20,000 on the assumption that I will cause damage.
To somebody you've damaged? I was very clear that in the absence of insurance why not have cash on had to cure damage done in the event of an accident. So, why not? Do you think it is unreasonable to be prepared for accidents and things you cant predict?
Synaptrik wrote:
I'm forced to pay because someone else caused damage they weren't able to cover.
Nothing about driving is forced it is a lifestyle choice that has consequences. I know lots of people who live without a car and make great money. They understand that they made a choice why don't you?
Synaptrik wrote:
Its forced.
You can decide not to drive.
Synaptrik wrote:
Really this is wealth redistribution.
Is it wealth distribution if or when you cause and accident and destroy somebody's car forcing them to purchase a new one with their own money?
Synaptrik wrote:
Kinda like Medicare and Social Security. Good to see that you support FICA.
Considering I haven't paid a penny directly into these ponzy schemes in about 4 years I absolutely support them.
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Synaptrik wrote:
I've already paid 20,000 on the assumption that I will cause damage.
To somebody you've damaged? I was very clear that in the absence of insurance why not have cash on had to cure damage done in the event of an accident. So, why not? Do you think it is unreasonable to be prepared for accidents and things you cant predict?
Synaptrik wrote:
I'm forced to pay because someone else caused damage they weren't able to cover.
Nothing about driving is forced it is a lifestyle choice that has consequences. I know lots of people who live without a car and make great money. They understand that they made a choice why don't you?
Synaptrik wrote:
Its forced.
You can decide not to drive.
Synaptrik wrote:
Really this is wealth redistribution.
Is it wealth distribution if or when you cause and accident and destroy somebody's car forcing them to purchase a new one with their own money?
Synaptrik wrote:
Kinda like Medicare and Social Security. Good to see that you support FICA.
Considering I haven't paid a penny directly into these ponzy schemes in about 4 years I absolutely support them.
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Chris Austin wrote:
To somebody you've damaged?
No. To Insurance Companies. Never mind Chris. You are for forced insurance. 'Nuff said.
This statement is false
Synaptrik wrote:
Never mind Chris. You are for forced insurance. 'Nuff said.
No Chris, I am for people being responsible for their choices. I offered an alternative that you ignored off hand. If you have another solution I am open to hear it.
Synaptrik wrote:
'Nuff said.
It's all good, we don't have to agree.
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
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Synaptrik wrote:
Never mind Chris. You are for forced insurance. 'Nuff said.
No Chris, I am for people being responsible for their choices. I offered an alternative that you ignored off hand. If you have another solution I am open to hear it.
Synaptrik wrote:
'Nuff said.
It's all good, we don't have to agree.
Sovereign ingredient for a happy marriage: Pay cash or do without. Interest charges not only eat up a household budget; awareness of debt eats up domestic felicity. --Lazarus Long Avoid the crowd. Do your own thinking independently. Be the chess player, not the chess piece. --Ralph Charell
