In Michigan they have this thing called a "Driver's Responsibility" fee. Basically if you're caught without insurance, you pay a fine of 200 dollars, in addition to whatever fines you end up paying because of the ticket. How much it "hurts" is relative to income, but for me, the risk of the 200 + ticket fines/lawsuits is not worth skipping out on insurance.Rope-Pusher wrote:It has to hurt more than that to get someone to pay real money each year for insurance that obviously isn't really mandatory.theholycow wrote:Well, Rope-Pusher, you wanted her put away...I'd say she's pretty badly screwed without that happening.
Shock to the engine?
Re: Shock to the engine?
-
- Master Standardshifter
- Posts: 11607
- Joined: Mon Mar 16, 2009 3:44 pm
- Cars: '08 Jeep Liberty
- Location: Greater Detroit Area
Re: Shock to the engine?
I had a long discussion with B.I.L. about his daughter coming of age (no, not that, well, yes that, but we were talking of driver's licensing) and how to insure her. His plan is to pretend it didn't happen - not initiate or reply to any correspondence with his insurance company. I told him that he could lose his house over this if it goes very wrong. His idea was, that with Michigan no-fault insurance laws, you are now insuring the vehicle, not the driver, so she could drive w/o him paying anything extra. I told him the insurance policy only covers household members that he names, so she's not covered. Of course, if it wasn't relatively expensive to insure a young driver, he would be more open to doing the right thing, so in the end it's about money. I think he could create a paper trail by buying a junker, minimally insuring it (naming her as the principal driver) and then licensing it. Even if it doesn't run, she can "occasionally" drive one of his other vehicles and the insurance company will cover her, since she is already insured as principal driver on her own vehicle.RxnMan wrote:In Michigan they have this thing called a "Driver's Responsibility" fee. Basically if you're caught without insurance, you pay a fine of 200 dollars, in addition to whatever fines you end up paying because of the ticket. How much it "hurts" is relative to income, but for me, the risk of the 200 + ticket fines/lawsuits is not worth skipping out on insurance.Rope-Pusher wrote:It has to hurt more than that to get someone to pay real money each year for insurance that obviously isn't really mandatory.theholycow wrote:Well, Rope-Pusher, you wanted her put away...I'd say she's pretty badly screwed without that happening.
'08 Jeep Liberty 6-Speed MT - "Last of the Mohicans"
- theholycow
- Master Standardshifter
- Posts: 16021
- Joined: Tue Jun 24, 2008 1:36 pm
- Cars: '80 Buick LeSabre 4.1 5MT
- Location: Glocester, RI
- Contact:
Re: Shock to the engine?
How much it hurts is really more relative to how much your insurance would cost. If your insurance costs $4000/year then you can get pulled over 20 times per year and come out even. A lot of people who choose to drive without insurance, do so because their insurance is that costly.RxnMan wrote:In Michigan they have this thing called a "Driver's Responsibility" fee. Basically if you're caught without insurance, you pay a fine of 200 dollars, in addition to whatever fines you end up paying because of the ticket. How much it "hurts" is relative to income, but for me, the risk of the 200 + ticket fines/lawsuits is not worth skipping out on insurance.
Put teeth in it...make it $2000, then it'll start to work. Then the collected money can go into an uninsured motorist fund to help pay when someone damages someone else, sans insurance.
1980 Buick LeSabre 4.1L 5MT
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
watkins wrote:Humans have rear-biased AWD. Cows have 4WD
Re: Shock to the engine?
I agree about insurance cost being a factor. Out of curiosity, I asked state farm how much my insurance would be. They quoted me $900. A month. I asked the agent if she was insane, she said its what her system showed. You can bet I would be driving without insurance and taking my chances if I had to deal with 900/month. I would still need to go to school, I would still need to go to work, life would need to go on. Not driving would simply not be an option. Anyone who says otherwise is being idealistic.theholycow wrote:How much it hurts is really more relative to how much your insurance would cost. If your insurance costs $4000/year then you can get pulled over 20 times per year and come out even. A lot of people who choose to drive without insurance, do so because their insurance is that costly.RxnMan wrote:In Michigan they have this thing called a "Driver's Responsibility" fee. Basically if you're caught without insurance, you pay a fine of 200 dollars, in addition to whatever fines you end up paying because of the ticket. How much it "hurts" is relative to income, but for me, the risk of the 200 + ticket fines/lawsuits is not worth skipping out on insurance.
Put teeth in it...make it $2000, then it'll start to work. Then the collected money can go into an uninsured motorist fund to help pay when someone damages someone else, sans insurance.
Thanfully AAA covers me for muuuch cheaper.
-
- Master Standardshifter
- Posts: 2787
- Joined: Mon Apr 06, 2009 10:46 pm
- Cars: '99 Civic Hatch w/B16a
- Location: Enfield, Connecticut
Re: Shock to the engine?
do you drive a friggin lambo?
Re: Shock to the engine?
Lambo? I didn't know the pic I posted looked so exotic
I think its a combination of being 21, living in a shitty city, and the coverage being full.
I think its a combination of being 21, living in a shitty city, and the coverage being full.
-
- Master Standardshifter
- Posts: 2787
- Joined: Mon Apr 06, 2009 10:46 pm
- Cars: '99 Civic Hatch w/B16a
- Location: Enfield, Connecticut
Re: Shock to the engine?
yeah high stolen car rates and having a desirable car to be stolen, combined with the fact that you have theft coverage, i guess that should make the rates high...but $900 a month?
- theholycow
- Master Standardshifter
- Posts: 16021
- Joined: Tue Jun 24, 2008 1:36 pm
- Cars: '80 Buick LeSabre 4.1 5MT
- Location: Glocester, RI
- Contact:
Re: Shock to the engine?
I have to admit, 900 is well over twice the most I've ever had to pay.
I bet it's mostly liability with high amounts of coverage, like $1 million limits.
I bet it's mostly liability with high amounts of coverage, like $1 million limits.
1980 Buick LeSabre 4.1L 5MT
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
watkins wrote:Humans have rear-biased AWD. Cows have 4WD
Re: Shock to the engine?
The agent herself was dumbfounded. She told me to stay where I was when I said that w/ AAA I pay about 1/4th that per month.
- potownrob
- Master Standardshifter
- Posts: 7833
- Joined: Sun Jun 05, 2005 11:35 pm
- Cars: '17 CX-5 GT
- Location: Dutchess County
Re: Shock to the engine?
good luck driving around without insurance in NYS - the DMV will go after you if they see a lapse in insurance of even a day
ClutchFork wrote:...So I started carrying a stick of firewood with me and that became my parking brake.
-
- Moderator
- Posts: 3418
- Joined: Wed Jun 11, 2003 5:01 pm
- Location: OK, USA
Re: Shock to the engine?
The factors you listed don't help, and they compound the below.
Insurance is all about statistics, and the Civic coupe is a favorite among the TF&TF set. The 2006-2008 models, the subject of the latest HLDI data, relative to the average car, have 145% the collision losses, 115% the liability losses, 84% the comprehensive losses, 145% the PIP losses, 142% the medical payments losses, and 123% the bodily injury liability losses. The Si you were considering is even worse, over 100% across the board and 187% for collision.
Insurance is all about statistics, and the Civic coupe is a favorite among the TF&TF set. The 2006-2008 models, the subject of the latest HLDI data, relative to the average car, have 145% the collision losses, 115% the liability losses, 84% the comprehensive losses, 145% the PIP losses, 142% the medical payments losses, and 123% the bodily injury liability losses. The Si you were considering is even worse, over 100% across the board and 187% for collision.
- theholycow
- Master Standardshifter
- Posts: 16021
- Joined: Tue Jun 24, 2008 1:36 pm
- Cars: '80 Buick LeSabre 4.1 5MT
- Location: Glocester, RI
- Contact:
Re: Shock to the engine?
In 2010, the Civic is like the Camaro was in 1990...or at least, like my mom insisted the Camaro would be if I were to get one when I turned 16. I think she might have been wrong the whole time.IMBoring25 wrote:Insurance is all about statistics, and the Civic coupe is a favorite among the TF&TF set.
I should have gotten a Camaro instead of my Grand Am when I was 18...I was paying $4,000+ per year anyway. Every month I made a car payment and an equal insurance payment. If my parents had let me on their insurance and I had bought a beater, I could have saved a crapload of money that I would eventually have irresponsibly blown some other way.
It would be more but the lightweight Civic doesn't do much damage when it whacks something.115% the liability losses
What's PIP?
1980 Buick LeSabre 4.1L 5MT
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
watkins wrote:Humans have rear-biased AWD. Cows have 4WD
- FDSpirit
- Master Standardshifter
- Posts: 6157
- Joined: Sun Mar 22, 2009 8:23 pm
- Cars: 2000 Honda Civic Si
- Location: Troy/Albany, NY
- Contact:
Re: Shock to the engine?
My head just exploded.IMBoring25 wrote:The factors you listed don't help, and they compound the below.
Insurance is all about statistics, and the Civic coupe is a favorite among the TF&TF set. The 2006-2008 models, the subject of the latest HLDI data, relative to the average car, have 145% the collision losses, 115% the liability losses, 84% the comprehensive losses, 145% the PIP losses, 142% the medical payments losses, and 123% the bodily injury liability losses. The Si you were considering is even worse, over 100% across the board and 187% for collision.
For real. Allstate somehow messed up my insurance card when I went to register my car for the first time. The guy behind the counter at the DMV had a hissy fit. Didn't help that he had a gigantic cold sore on his lip *barf* . My card's date was off by a day and he just went insane! But I mean, if it meant him having a job and not having a job, I could see. But man, he really should have stay home with that obstruction on his lip. It was like talking to a person with a hairy mole on their face.potownrob wrote:good luck driving around without insurance in NYS - the DMV will go after you if they see a lapse in insurance of even a day
2000 Honda Civic Si- Slightly faster than your grandmomma's grocery getter......slightly.
- theholycow
- Master Standardshifter
- Posts: 16021
- Joined: Tue Jun 24, 2008 1:36 pm
- Cars: '80 Buick LeSabre 4.1 5MT
- Location: Glocester, RI
- Contact:
Re: Shock to the engine?
FDSpirit wrote:But man, he really should have stay home with that obstruction on his lip. It was like talking to a person with a hairy mole on their face.
I'm gonna cut it off, chop it up, and make guacaMOLEy!
1980 Buick LeSabre 4.1L 5MT
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
Put your car in your sig!
Learn to launch/FAQs/lugging/misused terms: meta-sig
watkins wrote:Humans have rear-biased AWD. Cows have 4WD
-
- Moderator
- Posts: 3418
- Joined: Wed Jun 11, 2003 5:01 pm
- Location: OK, USA
Re: Shock to the engine?
Personal Injury Protection. It covers your medical expenses as a result of an accident, regardless of fault.theholycow wrote:What's PIP?