U.S. CitiesCity-Data Forum Index
Happy Halloween!
Go Back   City-Data Forum > U.S. Forums > Florida > Tampa Bay
 [Register]
Tampa Bay Tampa - St. Petersburg - Clearwater
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 12-17-2012, 04:41 PM
 
Location: Houston, TX
4,678 posts, read 8,900,734 times
Reputation: 1960

Advertisements

Quote:
Originally Posted by the awesomee View Post
Does anyone have any numbers on percent of uninsured motorists in FL? I would think rates would go up because of population growth and higher risk of being hit as a result...
I'm not sure of the reasons, but I know when I moved to TX, the state DPS would allow me to drive on my TN insurance temporarily, but in the paper work it mentioned a few states who's insurance they would not accept and Florida was on the list, something to do with the "no fault" thing..

One in four Florida drivers doesn't have insurance, industry research says - Sun Sentinel

According to this short story from 2011, it's about 1 in 4 Florida drivers that are un-insured.
Rate this post positively Reply With Quote Quick reply to this message

 
Old 12-17-2012, 04:59 PM
 
5,453 posts, read 8,207,169 times
Reputation: 2141
Quote:
Originally Posted by TXRyan23 View Post
I'm not sure of the reasons, but I know when I moved to TX, the state DPS would allow me to drive on my TN insurance temporarily, but in the paper work it mentioned a few states who's insurance they would not accept and Florida was on the list, something to do with the "no fault" thing..

One in four Florida drivers doesn't have insurance, industry research says - Sun Sentinel

According to this short story from 2011, it's about 1 in 4 Florida drivers that are un-insured.
If the prices weren't as high as they are, more people would be insured. Simple as that. In Florida you have LOW wages, and HIGH insurance costs! How does anyone in their right mind expect people can afford it, is beyond me! (we have insurance, and it is NOT cheap at all in comparison with the cars we're driving)
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-17-2012, 05:33 PM
 
Location: Houston, TX
4,678 posts, read 8,900,734 times
Reputation: 1960
Quote:
Originally Posted by algia View Post
If the prices weren't as high as they are, more people would be insured. Simple as that. In Florida you have LOW wages, and HIGH insurance costs! How does anyone in their right mind expect people can afford it, is beyond me! (we have insurance, and it is NOT cheap at all in comparison with the cars we're driving)
I agree with you 100%.

Added in with other cost of living items like rent/mortgage, electricity/gas, car payment (if you're not lucky enough to have a paid off car.) I've said countless times that I don't see how the "middle to lower-middle class" do it, but I'm usually discounted as an idiot that hasn't lived there in 10 years and have no idea how life is in the Bay Area (Because I'm sure everything has drastically changed in the last decade.)
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-18-2012, 04:04 AM
 
5,453 posts, read 8,207,169 times
Reputation: 2141
Quote:
Originally Posted by TXRyan23 View Post
I agree with you 100%.

Added in with other cost of living items like rent/mortgage, electricity/gas, car payment (if you're not lucky enough to have a paid off car.) I've said countless times that I don't see how the "middle to lower-middle class" do it, but I'm usually discounted as an idiot that hasn't lived there in 10 years and have no idea how life is in the Bay Area (Because I'm sure everything has drastically changed in the last decade.)
Exactly.

Either increase the wages, or lower the premiums.

I'll tell you how we do it: we pay all of our utilities, we don't use any credit/credit cards, cars are paid off, and we don't go out. IF one of us gets sick we end up at AMSCOT, and don't eat much the next month! (and that applies to us, and everyone else in our category anywhere in the US, not just here) In our case we spend part of our tax return on annual passes to Disney so we at least have some entertainment. Not complaining really. Would it be nice for me to have a serious job with benefits etc, and save and all that suuure, but its not going to happen, so we resolved to that. Thankfully, we are not the kind of ppl who "must" go out to dinner or else...or "must buy something today or else", or "must have the latest BMW or else"...I just read something really disturbing about Macy's employees and how they get penalized and eventually fired if they don't open at least 5 new Macy's store cards per month! THAT, next to their low wages is flat out extortion; how can you even push credit on anyone here is retarded considering the low wages...how are ppl supposed to pay utilities, car insurance, rent etc AND credit cards! No wonder so few get to travel around the world and see what else is out there.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-18-2012, 06:50 AM
 
Location: Myrtle Beach
3,380 posts, read 8,262,178 times
Reputation: 2930
Rates are expensive in FL for a couple reasons.

1 - PIP is required. Most states do not require this. PIP is causes a ton of fraud and fake claims.
2 - I saw a report the other day where FL has.. either 2 or 3 of the deadliest roads in the nation.
3 - No vehicle inspections so people can drive ill maintained cars with bald tires in torrential down pours
4 - See above, torrential down pours. Also high probability of widespread hail damage.
5 - Hurricanes and Flooding

I pay $135 with Comp and Collision ($500) on two vehicles. I have my PIP at the absolute minimum and do not have roadside assistance or rental reimbursement. I have 300/100 liability and absolutely uninsured/underinsured motorist coverage. I use the Gecko.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-18-2012, 02:01 PM
 
Location: Houston, TX
4,678 posts, read 8,900,734 times
Reputation: 1960
Quote:
Originally Posted by algia View Post
Exactly.

Either increase the wages, or lower the premiums.

I'll tell you how we do it: we pay all of our utilities, we don't use any credit/credit cards, cars are paid off, and we don't go out. IF one of us gets sick we end up at AMSCOT, and don't eat much the next month! (and that applies to us, and everyone else in our category anywhere in the US, not just here) In our case we spend part of our tax return on annual passes to Disney so we at least have some entertainment. Not complaining really. Would it be nice for me to have a serious job with benefits etc, and save and all that suuure, but its not going to happen, so we resolved to that. Thankfully, we are not the kind of ppl who "must" go out to dinner or else...or "must buy something today or else", or "must have the latest BMW or else"...I just read something really disturbing about Macy's employees and how they get penalized and eventually fired if they don't open at least 5 new Macy's store cards per month! THAT, next to their low wages is flat out extortion; how can you even push credit on anyone here is retarded considering the low wages...how are ppl supposed to pay utilities, car insurance, rent etc AND credit cards! No wonder so few get to travel around the world and see what else is out there.
Why not relocate ?
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-18-2012, 02:28 PM
 
Location: Myrtle Beach
3,380 posts, read 8,262,178 times
Reputation: 2930
Quote:
Originally Posted by TXRyan23 View Post
Why not relocate ?

She did. She moved back to Tampa because she hated it in.... Pittsburgh... I believe.

She also moved here from another country.... and doesn't want to move back there either.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-18-2012, 02:31 PM
 
Location: Houston, TX
4,678 posts, read 8,900,734 times
Reputation: 1960
Quote:
Originally Posted by FloridaKash View Post
She did. She moved back to Tampa because she hated it in.... Pittsburgh... I believe.

She also moved here from another country.... and doesn't want to move back there either.
Well, I can understand her not wanting to live in another country, or even worse, Pittsburgh.. LoL.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-18-2012, 02:33 PM
 
5,453 posts, read 8,207,169 times
Reputation: 2141
No Kash, we cannot afford to move back to EU! It would cost a HUGE amount of money we simply don't have.

We moved to Pittsburgh for my son who is Autistic, because we were told all sorts of rosy crap that was not true. (Top school district too), and that was why we moved back, for him it is ten times better here. We like it here and for us it would be the same anywhere we go because we are not in high paying work fields.
Rate this post positively Reply With Quote Quick reply to this message
 
Old 12-18-2012, 03:33 PM
 
Location: Houston, TX
4,678 posts, read 8,900,734 times
Reputation: 1960
Quote:
Originally Posted by algia View Post
No Kash, we cannot afford to move back to EU! It would cost a HUGE amount of money we simply don't have.

We moved to Pittsburgh for my son who is Autistic, because we were told all sorts of rosy crap that was not true. (Top school district too), and that was why we moved back, for him it is ten times better here. We like it here and for us it would be the same anywhere we go because we are not in high paying work fields.
Lower skill jobs like retail usually tend to pay better in other places, Tennessee, Oklahoma, and Texas generally often make the top 3 cheapest places to live, I couldn't see living in a place where I'd struggle just because it's viewed as "paradise."
Rate this post positively Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Settings
X
Data:
Loading data...
Based on 2000-2020 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Florida > Tampa Bay
Similar Threads
Follow City-Data.com founder on our Forum or

All times are GMT -6. The time now is 04:36 PM.

© 2005-2020, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Contact Us - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37 - Top