What is everyone paying on insurance?

[tooter]

Originally Posted by Absolutely Red 12

So you just have liability.

Public liability and property damage... just the bare minimum required to legally register the car.

Collision is high in Socal, due to the uninjured drivers here.
Also a minor fender bender in LA causes the car to be totaled.

I know.

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

[nookandcrannycar]

Originally Posted by tooter

Public liability and property damage... just the bare minimum required to legally register the car.

I know.

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

This is probably the truest statement anyone has ever typed on Yarisworld because one mistake could cost you your house and other assets (and true because you are who you are ).

[tooter]

Originally Posted by nookandcrannycar

This is probably the truest statement anyone has ever typed on Yarisworld because one mistake could cost you your house and other assets

Absolutely.

Which is why it's my own personal responsibility to be fully aware of what I'm doing and to be mindful of the consequences my own actions spin into motion.

Assuming that personal responsibility alters a person's behavior by calling up something from inside of them which has the capacity to meet each new situation properly.

(and true because you are who you are ).

That's right. How each of us freely chooses to live is an expression of who we are.

[nookandcrannycar]

Originally Posted by tooter

Absolutely.

Which is why it's my own personal responsibility to be fully aware of what I'm doing and to be mindful of the consequences my own actions spin into motion.

Assuming that personal responsibility alters a person's behavior by calling up something from inside of them which has the capacity to meet each new situation properly.



That's right. How each of us freely chooses to live is an expression of who we are.

[edmscan]

Originally Posted by tooter

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

I thought I was a good driver too .. until I had an accident with my Yaris on Dec 02/2012. I knew in my mind that the accident wasn't my fault .. and thus I waited until the other insurance company assumed liability before getting my car fixed, even though I did have collision coverage on my Yaris.

I just got my car fixed about a week ago ... and really it showed no matter how careful (or how good of a driver you think you are), things happen and it is just very very risky not to have adequate insurance coverage.

[nookandcrannycar]

Originally Posted by edmscan

I thought I was a good driver too .. until I had an accident with my Yaris on Dec 02/2012. I knew in my mind that the accident wasn't my fault .. and thus I waited until the other insurance company assumed liability before getting my car fixed, even though I did have collision coverage on my Yaris.

I just got my car fixed about a week ago ... and really it showed no matter how careful (or how good of a driver you think you are), things happen and it is just very very risky not to have adequate insurance coverage.

I agree, but if you are going to take that chance there is a big difference, IMO, between winter driving in Edmonton and winter driving in Los Angeles. I think if the same driver had equal winter driving skill for both locations, that driver would be less likely to get in an accident during the winter in Los Angeles. I would guess that the winter season would be the most accident heavy time of year in both locations.

[Absolutely Red 12]

Originally Posted by nookandcrannycar

I agree, but if you are going to take that chance there is a big difference, IMO, between winter driving in Edmonton and winter driving in Los Angeles. I think if the same driver had equal winter driving skill for both locations, that driver would be less likely to get in an accident during the winter in Los Angeles. I would guess that the winter season would be the most accident heavy time of year in both locations.

When it just drizzles in LA, the freeways shut down with major collisions!
No one here knows how to drive in the rain........or on a clear day as a matter of fact.

[nookandcrannycar]

Originally Posted by Absolutely Red 12

When it just drizzles in LA, the freeways shut down with major collisions!
No one here knows how to drive in the rain........or on a clear day as a matter of fact.

I agree there are lots of lousy drivers in LA and lots of lousy inclement weather drivers in LA, but perhaps tooter rarely drives on the freeway and never does when it is raining.

I guess my point is that tooter is obviously a happy, competent person who is likely already aware of what we are telling him...but knows we (active Yarisworld members) like to put our 2 cents in and only mean well, so he replies in a good natured manner.

I HATE giving money to insurance companies, but I would HATE EVEN MORE giving money to a lawyer who extracted it out of me re an accident...so...like you...I pay for that privilege.

[jayeh]

Originally Posted by nookandcrannycar

I agree, but if you are going to take that chance there is a big difference, IMO, between winter driving in Edmonton and winter driving in Los Angeles. I think if the same driver had equal winter driving skill for both locations, that driver would be less likely to get in an accident during the winter in Los Angeles. I would guess that the winter season would be the most accident heavy time of year in both locations.

Here I find weather changes cause accidents. Last spring on the first nice sunny warm day I saw 7 accidents on my way home. Every time we go from a week of one kind of condition to different one it's chaos on the roads.

[nookandcrannycar]

Originally Posted by jayeh

Here I find weather changes cause accidents. Last spring on the first nice sunny warm day I saw 7 accidents on my way home. Every time we go from a week of one kind of condition to different one it's chaos on the roads.

Same thing here in the Houston area when going from dry to wet. Here it's like Absolutely Red 12 mentions it is in LA (re rain after dry) but it makes much less sense here....It rains more here than it does in LA, so you'd think people would be more adept at driving in it...fat chance.

[tooter]

Originally Posted by edmscan

I thought I was a good driver too

...and life teaches us the difference between thinking and being.

[Absolutely Red 12]

Originally Posted by tooter

Public liability and property damage... just the bare minimum required to legally register the car.



I know.

Driving with minimal coverage for decades has made me a better driver by learning to be aware of the free choice to assume the personal responsibility for the consequences of my own actions.

You do know what happens if you're held liable for a collision, and your bare minimum ($5,000) insurance isn't enough to cover the other guys car damage?? Or your ($15,000) injury liability won't cover someones ER bill?
It comes out of your pocket.

I have an extra $1000,000.00 umbrella policy that costs $200 year to cover!!

[tooter]

Originally Posted by Absolutely Red 12

You do know what happens if you're held liable for a collision, and your bare minimum ($5,000) insurance isn't enough to cover the other guys car damage?? Or your ($15,000) injury liability won't cover someones ER bill?
It comes out of your pocket.

And it's right that it should.
I should pay in full for any injury or damage I cause. That's what choosing to assume personal responsibility is all about. And it is awareness of that choice which modifies behavior accordingly.

I have an extra $1000,000.00 umbrella policy that costs $200 year to cover!!

Wow... I didn't know umbrellas were that hazardous.

[nookandcrannycar]

Originally Posted by Absolutely Red 12

You do know what happens if you're held liable for a collision, and your bare minimum ($5,000) insurance isn't enough to cover the other guys car damage?? Or your ($15,000) injury liability won't cover someones ER bill?
It comes out of your pocket.

I have an extra $1000,000.00 umbrella policy that costs $200 year to cover!!

But you have to (with every carrier I have ever had) bring the liability limit of the underlying policy up to a certain limit (the lowest I have ever seen is 300k and that was rare) before you can buy an umbrella policy and have it kick in.....so it wouldn't be 200.00 it would be 'his 200.00' (which might end up being a bit more or less than 'your 200.00') plus the cost to bring the limit up from the legal minimum he has now to the 'able to buy an umbrella policy minimum'.

[Absolutely Red 12]

Originally Posted by nookandcrannycar

But you have to (with every carrier I have ever had) bring the liability limit of the underlying policy up to a certain limit (the lowest I have ever seen is 300k and that was rare) before you can buy an umbrella policy and have it kick in.....so it wouldn't be 200.00 it would be 'his 200.00' (which might end up being a bit more or less than 'your 200.00') plus the cost to bring the limit up from the legal minimum he has now to the 'able to buy an umbrella policy minimum'.

Correct, I have $500,000, I don't want to sell any of my houses for someone's bullshit whiplash claim.

More lawyers than accidents in LA!!