A question
Moderating with Angels
Joined: Jul 2003
Posts: 4,231
From: New Orleans La
RE: A question
ORIGINAL: jthorn9
Yea, there are a ton of things that could happen, but with me being the way I am, if I had somebody hit my car, or if it were to get into an accident, I probably woundn't want the car anymore. Now granted, having insurence is just that, insurence, but like I said, I don't believe in paying out the *** for something I'll never get back, see's here's my take. Let's say I get a new 06 and I get in an accident 1 month after I get the car, now the car will probably be covered, but then they'll want me to pay even more out the ***, so then I may not be able to afford it, and the odds of getting in an accident twice within a givin time frame of three years, is extremely low. Now I would have my 06 covered, but then I'd be seriously broke as a result. Now let's say I get the 06 and pay 1500 every six months for a decent bit of coverage, and I get a discound in 4 years, but let go till I'm 24. I would of invested 12K worth of insurence, and let's say I never get in an accident, that's 12K that I lost out on. Now, let's say I pay basic insurence and I keep the extra cash, that gives me over 6K in my pocket over time. Now when I hit 24 and get my discount, yes then I'll get some coverage, but until then, screw the insurence companies, because I'm not paing for their president to be able to afford that Lambo he probably drives a little bit easier.
Yea, there are a ton of things that could happen, but with me being the way I am, if I had somebody hit my car, or if it were to get into an accident, I probably woundn't want the car anymore. Now granted, having insurence is just that, insurence, but like I said, I don't believe in paying out the *** for something I'll never get back, see's here's my take. Let's say I get a new 06 and I get in an accident 1 month after I get the car, now the car will probably be covered, but then they'll want me to pay even more out the ***, so then I may not be able to afford it, and the odds of getting in an accident twice within a givin time frame of three years, is extremely low. Now I would have my 06 covered, but then I'd be seriously broke as a result. Now let's say I get the 06 and pay 1500 every six months for a decent bit of coverage, and I get a discound in 4 years, but let go till I'm 24. I would of invested 12K worth of insurence, and let's say I never get in an accident, that's 12K that I lost out on. Now, let's say I pay basic insurence and I keep the extra cash, that gives me over 6K in my pocket over time. Now when I hit 24 and get my discount, yes then I'll get some coverage, but until then, screw the insurence companies, because I'm not paing for their president to be able to afford that Lambo he probably drives a little bit easier.
dude you are so not thinking
1st. insurAnce
2nd. if you get into an accident and someone is killed and all you have is bare min. insurance, you will be spending your money on it for the rest of your life
3rd. if you get into an accident with min. coverage and you are at fault, damage to yours is 7900 and theirs is 7500 that is 15400 in damages. do you have that kind of cash? probably not i know i didnt have in college.
i could go on and on and on, but instead i leave you with this, insurance is something that i honestly feel no one likes to pay but the smart ones always do. if you think you are beyond an accident, you are sorely mistaken as it will happen sooner or later. you also need to think about passengers in your car, unless they sign a waiver every time they get into your car, they can sue if injured . say that wont happen, but it will because i guarantee they wont be paying their own medical bills. as for insurance companies, every time i have needed progressive they have been there and taken care of the problem within twenty four hours.
Thread Starter
The Godfather
Joined: Sep 2005
Posts: 15,480
From: Temple, Texas
RE: A question
Like I said, I am going to get coverage, but not until I'm 24, becuase it, in no way or situation, is worth it to me to pay over $1400 for somthing that I may or may not claim on.
Thread Starter
The Godfather
Joined: Sep 2005
Posts: 15,480
From: Temple, Texas
RE: A question
I already have. One, I've already made my mind up on what I'm going to do, so let this damn post die, nothing you guys can say or do will change my mind on insurence, that's plain and simple.
Moderating with Angels
Joined: Jul 2003
Posts: 4,231
From: New Orleans La
RE: A question
and how old are you now jt?
keep your 98 man, no offense, but with your thought process you need not have a 20000 dollar car, jt, just because you have min. coverage does not mean that if in an accident that you cant be held liable for any and all damages above your insurance coverage. not to mention you in louisianna bro, come on people wreck all the time and the roads are flat and straight[8D]
keep your 98 man, no offense, but with your thought process you need not have a 20000 dollar car, jt, just because you have min. coverage does not mean that if in an accident that you cant be held liable for any and all damages above your insurance coverage. not to mention you in louisianna bro, come on people wreck all the time and the roads are flat and straight[8D]
Thread Starter
The Godfather
Joined: Sep 2005
Posts: 15,480
From: Temple, Texas
RE: A question
I am keeping my 98 for the time being, because I made a deal with my family that when I graduate college they'll buy me a new car. So I have about 2-3 years left depending on how things go, and I'll probably be much better able, even with high insurence for one or two years, to be able to pay for full coverage. But I'm 20 right now and make roughly $1200 a month right now, so do the math, yea I could probably afford it, but it's just not worth the stress that it can cause because of money strain.
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