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Sorry, she has been in too many accidents and you only want to get liability coverage? If it was me.. I would tell her to start riding the bus. Seriously not trying to be rude.. but lets think about the other drivers on the opposite end of her driving.
I didn't think I would find myself agreeing with you, but the point that hasn't been made here is that the insurance system is working the way it is supposed too. Bad drivers should be forced to pay high prices for insurance or find it impossible to get insurance.
One thought that has crossed my mind in the past is that perhaps those who demonstrate poor driving skills should be required to purchase higher limits of coverage than the rest of us. After all, the people they harm should be able to count on some protection perhaps above what is standard or average.
I didn't think I would find myself agreeing with you, but the point that hasn't been made here is that the insurance system is working the way it is supposed too. Bad drivers should be forced to pay high prices for insurance or find it impossible to get insurance.
One thought that has crossed my mind in the past is that perhaps those who demonstrate poor driving skills should be required to purchase higher limits of coverage than the rest of us. After all, the people they harm should be able to count on some protection perhaps above what is standard or average.
I understand you wouldnt agree with me. Her driving is your bread and butter. I on the other hand think about the results after she has hit some innocent driver on the street. Its better to prevent then deal with the after math. Especially if she should cause a death as a result of her bad driving.
I understand you wouldnt agree with me. Her driving is your bread and butter. I on the other hand think about the results after she has hit some innocent driver on the street. Its better to prevent then deal with the after math. Especially if she should cause a death as a result of her bad driving.
Well, we don't fully know the details here, either.
Short term driver, so the leash before cancellation is shorter. I mean, I mentioned in another topic, I had a run of bad luck last year where I had a not-at-fault accident in January, then an animal encounter(Deer headbutting side of vehicle) in March and a cracked windshield in June (SC is a no deductible glass state)
Now, I've been with USAA for 26 years.. They didn't blink. Rates didn't even go up. Probably because those are the first claims in over 15 years..
But.. If I was 19 or 20.. Would I have been treated differently?
So.. While I get what you're saying, and.. Additional driver training is NEVER a bad idea.. We don't know the circumstances, so the solution can't be black and white, either.
I understand you wouldnt agree with me. Her driving is your bread and butter. I on the other hand think about the results after she has hit some innocent driver on the street. Its better to prevent then deal with the after math. Especially if she should cause a death as a result of her bad driving.
Please don't think even though I am accident lawyer that I enjoy the thought of people being maimed or killed in accidents. Its happened to people in my own family. My own mother suffered a severe leg injury when I was a child because a driver failed to curb her car when she parked it. My comment about being surprised that I agree with you stems from other disagreements we have had.
I do think the system should penalize poor drivers with higher insurance rates so that bad operation of a motor vehicle incurs penalties.
Prevention is always best.
Last edited by markg91359; 03-01-2022 at 04:07 PM..
Sorry, she has been in too many accidents and you only want to get liability coverage? If it was me.. I would tell her to start riding the bus.
I agree. But that could be problematic if she's a member of somebody's household. Her history will be rated on their vehicles, unless they conceal her presence, and that brings problems of its own.
Insurance companies are reluctant to write Named Driver Exclusions because of the "just this once" factor. You should be able to guess what that means and its consequences.
Quote:
Originally Posted by markg91359
One thought that has crossed my mind in the past is that perhaps those who demonstrate poor driving skills should be required to purchase higher limits of coverage than the rest of us.
Good idea, in theory, but it would raise the cost of insurance for bad drivers (who are already being surcharged up the ying yang) to a prohibitive level that would result in even more drivers being uninsured. Sure, uninsured drivers get cited and pay huge fines, but that often doesn't happen until they cause an accident.
I hope this bad driver is paying for the insurance out of own pocket. Only this can make that person be more responsible. Unfortunately these days many people get away without much consequences in Texas that used to be a strict state in the past.
I didn't think I would find myself agreeing with you, but the point that hasn't been made here is that the insurance system is working the way it is supposed too. Bad drivers should be forced to pay high prices for insurance or find it impossible to get insurance.
Not always. In you live in a no-fault state like Michigan, you can be 0% at fault in an accident and still get demerits on your auto insurance.
Not always. In you live in a no-fault state like Michigan, you can be 0% at fault in an accident and still get demerits on your auto insurance.
Michigan's law is truly bizarre to me. I wonder if they have given any thought there to repealing their broad and expensive no fault law. That alone would lower insurance premiums there.
Michigan's law is truly bizarre to me. I wonder if they have given any thought there to repealing their broad and expensive no fault law. That alone would lower insurance premiums there.
No fault was supposed to lower auto insurance rates. In reality, it did the opposite.
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