No Fault Auto Insurance

2010-12-15 12:48:44

#1

11 Bravo: Banned; +965|5625|Cleveland, Ohio

Right so here in the US people are required to have auto insurance (lots of people don't). Some states have "no fault insurance" http://en.wikipedia.org/wiki/No-fault_insurance

WTF is this concept? No fault? You hit me motherfucker it is your fault. What kind of lesson does this teach people?

2010-12-15 12:58:54

#2

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

also restricted in the right to seek recovery through the civil-justice system for losses caused by other parties.

I'm just gonna talk out of my ass here but I think the point is that if you get in a fender bender, your own company reimburses you and you can't sue the guy for $20 million dollars because of "emotional damages" or whatever other bullshit people pull in civil court.

https://static.bf2s.com/files/user/36793/marylandsig.jpg

2010-12-15 13:00:23

#3

11 Bravo: Banned; +965|5625|Cleveland, Ohio

Hurricane2k9 wrote:
also restricted in the right to seek recovery through the civil-justice system for losses caused by other parties.
I'm just gonna talk out of my ass here but I think the point is that if you get in a fender bender, your own company reimburses you and you can't sue the guy for $20 million dollars because of "emotional damages" or whatever other bullshit people pull in civil court.

doubt that. its also way more expensive for no fault insurance.

2010-12-15 13:01:44

#4

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

You mean no-fault is more expensive? I think that's because it's like health insurance. You pay them money, and if something happens then they'll cover you. Whereas with, err, yes-fault insurance they get the other company to pay.

2010-12-15 13:03:07

#5

11 Bravo: Banned; +965|5625|Cleveland, Ohio

Hurricane2k9 wrote:
You mean no-fault is more expensive? I think that's because it's like health insurance. You pay them money, and if something happens then they'll cover you. Whereas with, err, yes-fault insurance they get the other company to pay.

if something happens in a "fault" state you either get paid by their insurance or yours if you have uninsured motorist coverage.

2010-12-15 13:04:21

#6

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

Right. Where as in a no-fault state you get paid by your insurer.

What are we debating again?

2010-12-15 13:07:08

#7

11 Bravo: Banned; +965|5625|Cleveland, Ohio

Hurricane2k9 wrote:
Right. Where as in a no-fault state you get paid by your insurer.

What are we debating again?

why should my i have to pay? that means MY premiums will go up since its a claim.

2010-12-15 13:09:08

#8

Turquoise: O Canada; +1,596|6793|North Carolina

Generally speaking, no fault insurance is most commonly applied to states where local factors make it problematic for insurance to operate in a normal way. Florida is the most significant example, since they have so many elderly drivers. It looks like they revised their no fault policies a year after eliminating the old ones.

Florida coincidentally has a state fund for property insurance due to the frequency of things like hurricanes in the area.

2010-12-15 13:10:49

#9

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

No idea.

This is supposed to keep premiums down because there's less paperwork to file.

http://insurance.lawyers.com/auto-insur … rance.html

Google has failed me, there's nothing more descriptive about why it exists

2010-12-15 13:12:27

#10

11 Bravo: Banned; +965|5625|Cleveland, Ohio

Hurricane2k9 wrote:
No idea.
This is supposed to keep premiums down because there's less paperwork to file.
http://insurance.lawyers.com/auto-insur … rance.html

Google has failed me, there's nothing more descriptive about why it exists

well for exapmle when i just did the switch to this state it is going to cost me about 600 more per year. i have never had a accident, ticket, or claim and i have had the same company since i was 16.

2010-12-15 13:14:33

#11

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

where the fuck do you live anyway? And that blows man.

2010-12-15 13:15:45

#12

Mekstizzle: WALKER; +3,611|7009|London, England

I didn't know you guys needed insurance, I thought you barely needed a license to drive in the US

2010-12-15 13:16:22

#13

Turquoise: O Canada; +1,596|6793|North Carolina

Mekstizzle wrote:
I didn't know you guys needed insurance, I thought you barely needed a license to drive in the US

South Carolina used to not require insurance, but now they do. To my knowledge, every state requires it now.

2010-12-15 13:17:44

#14

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

Mekstizzle wrote:
I didn't know you guys needed insurance, I thought you barely needed a license to drive in the US

this isn't the congo

I think in some states you can essentially fund your own insurance coverage. Like, you put it in a special account. Dunno why you would unless you're filthy rich.

Last edited by Hurricane2k9 (2010-12-15 13:18:14)

2010-12-15 13:18:21

#15

11 Bravo: Banned; +965|5625|Cleveland, Ohio

Mekstizzle wrote:
I didn't know you guys needed insurance, I thought you barely needed a license to drive in the US

well you barely have a penis yet they call you a male

2010-12-15 13:21:33

#16

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

11 Bravo wrote:
Mekstizzle wrote:
I didn't know you guys needed insurance, I thought you barely needed a license to drive in the US
well you barely have a penis yet they call you a male

seriously where on earth do you live

2010-12-15 13:25:13

#17

11 Bravo: Banned; +965|5625|Cleveland, Ohio

minnesota

2010-12-15 13:26:57

#18

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

Minneapolis?

2010-12-15 13:39:06

#19

11 Bravo: Banned; +965|5625|Cleveland, Ohio

aye

2010-12-15 13:40:06

#20

Hurricane2k9: Pendulous Sweaty Balls; +1,538|6090|College Park, MD

nice, I hear it's a cool city

also cold

2010-12-15 13:41:33

#21

11 Bravo: Banned; +965|5625|Cleveland, Ohio

too fucking cold. too much fucking snow.

2010-12-15 13:57:01

#22

cpt.fass1: The Cap'n Can Make it Hap'n; +329|7084|NJ

Insurance is all pretty much a scam anyway. I don't know what No fault insurance is, in New York/New Jersey they have a it's your fault if the front of the car is hitting the other car. Even if it's the other drivers fault, as in someone cutting you off.

2010-12-15 14:04:21

#23

Jay: Bork! Bork! Bork!; +2,006|5746|London, England

Turquoise wrote:
Mekstizzle wrote:
I didn't know you guys needed insurance, I thought you barely needed a license to drive in the US
South Carolina used to not require insurance, but now they do. To my knowledge, every state requires it now.

Except New Hampshire.

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-12-15 14:04:44

#24

Dilbert_X: The X stands for; +1,820|6494|eXtreme to the maX

Many countries have this, I think its also called 50:50, no contest or whatever, its especially used for minor accidents.
In France it used to be the case that if people involved in an accident agreed it was not worth the trouble to get into a dispute and go 50:50 they would pay a lower excess.

If it removes the lawyers from the equation then it means the cost of insurance should go down a lot for everyone, and claims get dealt with quicker.

If it removes the people who go out looking for accidents so they can claim on other peoples insurance that would be good for everyone too.
If it comes out of their own insurance they'll pay for it themselves in the end.
http://www.guardian.co.uk/uk/2010/aug/2 … -accidents

Fuck Israel

2010-12-15 14:18:37

#25

mtb0minime: minimember; +2,418|7043

How is it so big in other countries if paying for someone else's fuck-ups is such an American thing?

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