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-   -   I'm tired of paying for fucking broke, irresponsible, losers. (https://gfy.com/showthread.php?t=1147766)

L-Pink 08-15-2014 04:43 AM
I'm tired of paying for fucking broke, irresponsible, losers.
 
Like the title says. I get my motorcycle insurance bill today from GEICO ……….

Body injury liability ……………………….. $66.00
Property damage liability ………………. $19.00
Comprehensive ………………………………. $125.00
Collision ………………………………………….. $195.00

Uninsured motorist ………………………… $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?

So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!

.

ctggls 08-15-2014 04:51 AM
Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...

Klen 08-15-2014 04:54 AM
Quote:
Originally Posted by ctggls (Post 20193187)
Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...
Wot?Health insurance is free,and ordinary insurance is cheap as fuck,like 20$ per year here in europe.

Paully 08-15-2014 04:57 AM
Uninsured motorist only pays for medical bills so if you already have medical insurance just ditch it.

Seth Manson 08-15-2014 05:11 AM
If you get hit by a hit & run driver, you'll damn sure wish you had it.

Or if you get hit by an illegal alien.

Seth Manson 08-15-2014 05:13 AM
Quote:
Originally Posted by Paully (Post 20193191)
Uninsured motorist only pays for medical bills so if you already have medical insurance just ditch it.

^^ worst advice ever

You obviously dont understand how it works, and what an attorney can do to an insurance company.

Barefootsies 08-15-2014 05:17 AM
If insurance premiums were more affordable, maybe the lowlifes would actually pay for theirs. That is typically the argument you hear about why they do not have it. Does it hold water? I dunno. I think that auto insurance rates can be ridiculous, but it is what it is. You have to have it for the 'just in case'.

:disgust

Adult-biz 08-15-2014 05:18 AM
This is something I get pissed at. My premiums go up every year and when I question it, I`m told it`s because those fuckers who don`t have insurance.

Paully 08-15-2014 05:28 AM
Quote:
Originally Posted by Seth Manson (Post 20193197)
If you get hit by a hit & run driver, you'll damn sure wish you had it.

Or if you get hit by an illegal alien.
Your health insurance isn't going to just pull the plug. I get the under-insured shit but either way you will be treated for what you need and your car/bike will be fixed or totaled by the insurance company.

Most you'll be out is your health ins. deductible. What am I missing?

aka123 08-15-2014 05:34 AM
Quote:
Originally Posted by L-Pink (Post 20193181)
Like the title says. I get my motorcycle insurance bill today from GEICO ……….

Body injury liability ……………………….. $66.00
Property damage liability ………………. $19.00
Comprehensive ………………………………. $125.00
Collision ………………………………………….. $195.00

Uninsured motorist ………………………… $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?
So, if you already have insurance for your injuries, damages you make, etc., what is the insurance for the "uninsured motorist"? What it insurances?

In here we have mandatory insurances to cover other parties damages, injuries, etc., and if you want to cover your own, you will have to have additional insurance, but the other partie (if the accident is your fault) is always covered. Although basic health care is always mostly free (paid with taxes), so this applies mostly for property damages and lost income (because of injury), etc.

Paully 08-15-2014 05:40 AM
Quote:
Originally Posted by aka123 (Post 20193220)
So, if you already have insurance for your injuries, damages you make, etc., what is the insurance for the "uninsured motorist"? What it insurances?

In here we have mandatory insurances to cover other parties damages, injuries, etc., and if you want to cover your own, you will have to have additional insurance, but the other partie (if the accident is your fault) is always covered. Although basic health care is always mostly free (paid with taxes), so this applies mostly for property damages and lost income (because of injury), etc.
It's to cover your health costs if they have no insurance or like Seth said above is a hit and run. If you have insurance I don't see it as very important. It will cover your health deductible and your health cost to whatever they are insured for. After that your own insurance foots the bill anyways.

If they don't have insurance your own health ins. covers it and youre out your deductible. A grand to 5 grand usually.

Someone correct me if I'm wrong though. It has happened before. Summer of '93 I believe.

aka123 08-15-2014 05:49 AM
Quote:
Originally Posted by Paully (Post 20193224)
It's to cover your health costs if they have no insurance or like Seth said above is a hit and run. If you have insurance I don't see it as very important. It will cover your health deductible and your health cost to whatever they are insured for. After that your own insurance foots the bill anyways.

If they don't have insurance your own health ins. covers it and youre out your deductible. A grand to 5 grand usually.
I don't get that deductible stuff (like bonuses or something?), but nevermind. In here you are always covered for health stuff if you have the mandadory insurance. If it's hit and run or whathever, your own insurance company takes the "hit". This is just a matter of legislation.

Paully 08-15-2014 05:59 AM
Quote:
Originally Posted by aka123 (Post 20193233)
I don't get that deductible stuff (like bonuses or something?), but nevermind. In here you are always covered for health stuff if you have the mandadory insurance. If it's hit and run or whathever, your own insurance company takes the "hit". This is just a matter of legislation.
Deductible is them saying yeah we'll pay your bills but you pay the first 1000 dollars and then we'll handle the rest. The lower the deductible the higher the insurance rate.

For a 20 year old with no medical problems and likely won't be having any serious condition they may choose a higher deductible 5000 and then their monthly premium is lower.

aka123 08-15-2014 05:59 AM
Quote:
Originally Posted by L-Pink (Post 20193181)
So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!
I already did post this in another thread, but actually you are paying for this:

"The US government does not represent the interests of the majority of the country's citizens, but is instead ruled by those of the rich and powerful, a new study from Princeton and Northwestern Universities has concluded."

"Researchers concluded that US government policies rarely align with the the preferences of the majority of Americans, but do favour special interests and lobbying organisations: "When a majority of citizens disagrees with economic elites and/or with organised interests, they generally lose. Moreover, because of the strong status quo bias built into the US political system, even when fairly large majorities of Americans favour policy change, they generally do not get it." "

http://www.telegraph.co.uk/news/worl...concludes.html

aka123 08-15-2014 06:00 AM
Quote:
Originally Posted by Paully (Post 20193241)
Deductible is them saying yeah we'll pay your bills but you pay the first 1000 dollars and then we'll handle the rest. The lower the deductible the higher the insurance rate.
Okay, I get it, we have just a different name for it, basically "My share of the bill".

MaDalton 08-15-2014 06:09 AM
Quote:
Originally Posted by ctggls (Post 20193187)
Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...
nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries

CurrentlySober 08-15-2014 06:12 AM
i kunt a4d insurance...

Sid70 08-15-2014 06:16 AM
Quote:
Originally Posted by MaDalton (Post 20193251)
nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries
Ya, apparently, even if it's parked it has to be insured, WTF?

mineistaken 08-15-2014 06:16 AM
Quote:
Originally Posted by ctggls (Post 20193187)
Lool i thought that onlin Europe you are forced to pay for stuff like this but i see that usa is no different...
The opposite in Europe - you are insured against uninsured. There are special "funds" that pay you if you are hit by the driver who has no insurance.

mineistaken 08-15-2014 06:19 AM
Quote:
Originally Posted by MaDalton (Post 20193251)
nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers
You can (illegally) drive without insurance. Let's say your insurance is expired and you continue to drive. But, like I said, even if you are hit by such a driver you still get paid. Not by his insurance company, but from special "fund" that is used for such cases.

mineistaken 08-15-2014 06:31 AM
By the way - thread title would perfectly represent the situation when quality citizen (right economic wing) is pissed that he has to "redistribute his wealth" to irresponsible and lazy citizen (welfare monger left wing).
Unfortunately - at least half of society (famous 47 percent lol) are losers thus making quality citizens pay for them. Life is not fair to quality citizens because of all kinds of leftist loser mentality mongers.
/rant

Barry-xlovecam 08-15-2014 06:39 AM
Quote:
Originally Posted by MaDalton (Post 20193251)
nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries
  • Up to 30% drive uninsured in many places in the USA. They buy coverage by the month, get a license plate and registration for the year, then stop making payments, rinse and repeat the next year. They steal license plate renewal stickers and put them on their vehicle's license plate or put mud over expired license plate stickers, and hope they don't get stopped or have an accident. They have suspended driver's licenses (for DUI (driving under the influence -- alcohol)) related offenses) so if they get stopped they are ticketed or arrested and jailed.
  • Medical insurers can exclude auto accident related medical expense (this is legal in this state now) my autos' catastrophic medical doubled last year. I just went through this -- the law changed -- Obamacare or the state insurance commission? I don't really know. The difference was about $400. What is did was negotiate a discount for an annual insurance policy one time payment for the year. Allstate gave me a discount so I paid it all at once. Would have paid it all anyway ...

L-Pink 08-15-2014 06:49 AM
Quote:
Originally Posted by Barry-xlovecam (Post 20193269)
  • Up to 30% drive uninsured in many places in the USA. They buy coverage by the month, get a license plate and registration for the year, then stop making payments, rinse and repeat the next year. They steal license plate renewal stickers and put them on their vehicle's license plate or put mud over expired license plate stickers, and hope they don't get stopped or have an accident. They have suspended driver's licenses (for DUI (driving under the influence -- alcohol)) related offenses) so if they get stopped they are ticketed or arrested and jailed.
  • Medical insurers can exclude auto accident related medical expense (this is legal in this state now) my autos' catastrophic medical doubled last year. I just went through this -- the law changed -- Obamacare or the state insurance commission? I don't really know. The difference was about $400. What is did was negotiate a discount for an annual insurance policy one time payment for the year. Allstate gave me a discount so I paid it all at once. Would have paid it all anyway ...

If you back the theft part of my insurance out and just look at my accident coverage I'm paying just $280.00 a year for coverage but $859.00 for uninsured coverage. A difference that just doesn't make sense.


.

Grapesoda 08-15-2014 06:54 AM
Quote:
Originally Posted by L-Pink (Post 20193181)
Like the title says. I get my motorcycle insurance bill today from GEICO ???.

Body injury liability ?????????.. $66.00
Property damage liability ??????. $19.00
Comprehensive ????????????. $125.00
Collision ????????????????.. $195.00

Uninsured motorist ?????????? $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?

So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!

.
illegal immigration :2 cents:

Grapesoda 08-15-2014 06:55 AM
Quote:
Originally Posted by Barefootsies (Post 20193206)
If insurance premiums were more affordable, maybe the lowlifes would actually pay for theirs. That is typically the argument you hear about why they do not have it. Does it hold water? I dunno. I think that auto insurance rates can be ridiculous, but it is what it is. You have to have it for the 'just in case'.

:disgust
the personal injury lawyers I know carry about 2 mil in liability :2 cents:

Grapesoda 08-15-2014 06:57 AM
Quote:
Originally Posted by aka123 (Post 20193242)
I already did post this in another thread, but actually you are paying for this:

"The US government does not represent the interests of the majority of the country's citizens, but is instead ruled by those of the rich and powerful, a new study from Princeton and Northwestern Universities has concluded."

"Researchers concluded that US government policies rarely align with the the preferences of the majority of Americans, but do favour special interests and lobbying organisations: "When a majority of citizens disagrees with economic elites and/or with organised interests, they generally lose. Moreover, because of the strong status quo bias built into the US political system, even when fairly large majorities of Americans favour policy change, they generally do not get it." "

http://www.telegraph.co.uk/news/worl...concludes.html
nothing gets by you does it?

Grapesoda 08-15-2014 06:58 AM
Quote:
Originally Posted by MaDalton (Post 20193251)
nonsense - here you can't have any vehicle without insurance - therefore no insurance makes you pay for protection against uninsured drivers

besides that: insurance terms and prices vary a lot between European countries
that's the way it is here Ma 'HOW FUCKING EVER' it's illegal to check if people have ins UNLESS they are pulled over for a traffic violation

Grapesoda 08-15-2014 06:59 AM
Quote:
Originally Posted by mineistaken (Post 20193261)
You can (illegally) drive without insurance. Let's say your insurance is expired and you continue to drive. But, like I said, even if you are hit by such a driver you still get paid. Not by his insurance company, but from special "fund" that is used for such cases.
actually you need car ins if you have a DL because you might be driving a car

aka123 08-15-2014 07:03 AM
Quote:
Originally Posted by Grapesoda (Post 20193285)
nothing gets by you does it?
Just reading the news.

Grapesoda 08-15-2014 07:05 AM
Quote:
Originally Posted by L-Pink (Post 20193276)
If you back the theft part of my insurance out and just look at my accident coverage I'm paying just $280.00 a year for coverage but $859.00 for uninsured coverage. A difference that just doesn't make sense.


.
always keep this in mind when you deal with the ins industry.. in WWII the Nazis where killing so many jews the ins companies where going broke on the life ins payments...

SO the ins industry forced the Nazis to place the camps in Poland and Austria, SO then the jews were written off as immigrating and the life ins was voided :2 cents:

Barry-xlovecam 08-15-2014 07:06 AM
Quote:
Originally Posted by L-Pink (Post 20193276)
If you back the theft part of my insurance out and just look at my accident coverage I'm paying just $280.00 a year for coverage but $859.00 for uninsured coverage. A difference that just doesn't make sense.


.
:mad:
I know it's the same here -- it's ridiculous. Worse part is I don't drive many miles a year. So, for the below normal mileage, and less auto accident exposure, do I get a radical discount? Fuck no ...

aka123 08-15-2014 07:07 AM
Quote:
Originally Posted by Grapesoda (Post 20193287)
that's the way it is here Ma 'HOW FUCKING EVER' it's illegal to check if people have ins UNLESS they are pulled over for a traffic violation
LOL. "Spying" with drones is OK, but not checking insurance or such. There are even registration plate scanners for that (you don't need to pull off people).

aka123 08-15-2014 07:10 AM
Quote:
Originally Posted by Grapesoda (Post 20193298)
always keep this in mind when you deal with the ins industry.. in WWII the Nazis where killing so many jews the ins companies where going broke on the life ins payments...

SO the ins industry forced the Nazis to place the camps in Poland and Austria, SO then the jews were written off as immigrating and the life ins was voided :2 cents:
Sounds like total bullshit. To whom the insurance payments would even had been paid? Jews had no fucking rights, property confiscated and so on, like they would got any payments at all at that stage.

mikesouth 08-15-2014 07:16 AM
And to think when the insurance were selling that mandatory insurance law in your state it was telling you that the premiums would go way down because uninsured motorist coverage wouldnt even be necessary

mineistaken 08-15-2014 07:16 AM
Quote:
Originally Posted by Grapesoda (Post 20193291)
actually you need car ins if you have a DL because you might be driving a car
Huh? You get car insurance only after you get a car, lol. And even if you have a car you can drive it without (of course you risk fines) insurance. Unless you re talking about US, but I was talking about EU.

Tom_PM 08-15-2014 07:25 AM
Careful.. if you speak as if something is too expensive then people might think you are nearly broke too. In that instant you become one of THEM.

dyna mo 08-15-2014 07:26 AM
Quote:
Originally Posted by Barry-xlovecam (Post 20193269)
  • Medical insurers can exclude auto accident related medical expense (this is legal in this state now)
this can't be true. I googled and got nothing also.

sarettah 08-15-2014 07:31 AM
Quote:
Originally Posted by L-Pink (Post 20193181)
I'm tired of paying for fucking broke, irresponsible, losers.
Dude, I told you I would pay you back. I mean it was just a couple of beers and a hooker. Did you really have to out me on it?

:mad:

.




Edited in: Ooops, you are talking about insurance. I have to learn to read the fucking thread before posting dammit. Nevermind.

MaDalton 08-15-2014 07:42 AM
Quote:
Originally Posted by mineistaken (Post 20193261)
You can (illegally) drive without insurance. Let's say your insurance is expired and you continue to drive. But, like I said, even if you are hit by such a driver you still get paid. Not by his insurance company, but from special "fund" that is used for such cases.
Quote:
Originally Posted by Barry-xlovecam (Post 20193269)
  • Up to 30% drive uninsured in many places in the USA. They buy coverage by the month, get a license plate and registration for the year, then stop making payments, rinse and repeat the next year. They steal license plate renewal stickers and put them on their vehicle's license plate or put mud over expired license plate stickers, and hope they don't get stopped or have an accident. They have suspended driver's licenses (for DUI (driving under the influence -- alcohol)) related offenses) so if they get stopped they are ticketed or arrested and jailed.
true - there might be a few without an insurance driving illegally - but far far from those 30%

mineistaken 08-15-2014 07:53 AM
Quote:
Originally Posted by Tom_PM (Post 20193324)
Careful.. if you speak as if something is too expensive then people might think you are nearly broke too. In that instant you become one of THEM.
Only dumb rabble would think so. Intelligent people knows that rich people knows how to count their money and how to value things and how to dislike overpaying.


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