Edmunds Members - Cars and Conversations (Archived)

abacomike

ruking1 said:

By CA traffic laws, the Honda has the right of way on the Jeep’s right lane merging/disappearing. But on secondary considerations, fault (academically ) is 30-50% the Jeep’s. Normally it would be the Jeep’s fault.

NY law says the same but what’s the point if you get wrecked or killed? Maybe Florida has to say no one has right of way because of all the insurance fraud.

Actually there are a lot of points. But the video does not/seems not to even approach the fear level in the question. In CA ( I suspect FL also) fully 25% of drivers are either not or under insured. Having said that, if one plans to drive in AZ, NM, TX, LA, FL, etc. familiarization with each/the states laws are prudent.

I don’t know if your statement that fully 25% of drivers are either uninsured or underinsured in Florida is factual, but Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.  That’s why I have Unisured/Underinsured motorist protection ($100,000/$300,000).  Insurance companies in the State of Florida will not write policies without State minimum coverages.

I have no doubt that 25% of Florida drivers are underinsured using what is considered reasonable levels of coverages, but if they carry State required limits, they are not considered underinsured.

The cost of automobile insurance here in South Florida is awful - I pay $2250 a year for my insurance. That’s why there are many (not most) drivers who do not have insurance because they can’t afford it!

stickguy

I believe the scam is to get insurance, register the car, then cancel the policy but you still have the insurance card until it runs out.

abacomike

stickguy said:

I believe the scam is to get insurance, register the car, then cancel the policy but you still have the insurance card until it runs out.

I’ve heard that scenario being used, stick.  But, bottom line, Florida is the worst of all US States when it comes to uninsured drivers.

sda

In Florida, if you drop insurance or sell a car and do not transfer a tag, are you required to turn it in?

Mr_Shiftright

There are some cities in America where, I've read, you have a 1 in 3 chance of being hit by an uninsured driver.

dino001

abacomike said:

According to “Florida’s Rules Of The Road” guidebook for those taking their written driver’s test, pedestrians who are in a crosswalk always have the right of way - i.e., you must yield.  

When two two cars are at a 4-way stop sign at an intersection after arriving simultaneously,  the driver on the right has the right of way.  If two cars are at a 4-way stop at an intersection, the car that arrived first has the right of way.

But I think I know what you are trying to communicate, Dino.  There are many variables and factors that determine “fault” in the event of an accident.  Right of way is just one - others include weather conditions, traffic flow, speed limits, etc.  It is assumed that if you rear-end another car, you are at fault.  If you are backing out of a driveway and you are hit by a car, you are at faults because the cross traffic has the right of way.

There are always contributing factors when determining fault - speeding is one as are inclement weather, inoperative headlights, faulty brakes, poor judgement, to name just a few.  But “right of way” is always considered in determining causes of accidents. 

I was saying that Florida law obligates all drivers and pedestrians to do everything in their control to avoid a collision, yield, right of way, or not. If you had a chance to avoid a collision, but did not act (by slowing down, stopping, yielding) on a misguided notion that you had right of way, hence it’s on others to watch and stop, by law you’ll be deemed a contributor to the accident, right of way or not.

stickguy

Mike, I barely paid that when I had 3 cars and my college aged daughter on the policy. now that she is off on her own, for the wife and I we pay about $1,300 for a full feature Allstate policy for the 2 cars.

dino001

sda said:

In Florida, if you drop insurance or sell a car and do not transfer a tag, are you required to turn it in?

No, you can keep the tag, which later you can use for another vehicle. However, if you drive without registration, or registration without insurance in it, you’ll have your license suspended.p and be subject to fines.

dino001

stickguy said:

Mike, I barely paid that when I had 3 cars and my college aged daughter on the policy. now that she is off on her own, for the wife and I we pay about $1,300 for a full feature Allstate policy for the 2 cars.

I have always been mistyfied by Mike’s high rates. I carry full insurance with only lowered uninsured limit and my rate is less than half, about 1100/yr, 6 month policy. Been this way for many years with one break, when they jacked them up out of the blue. I had to switch couple of times, but now it seems stable again.

driver100

"abacomike">

Your comment “...few people in Florida have valid insurance...” is not only an outrageous statement but it’s totally false!  In order to obtain a valid State vehicle registration certificate each year, you must enter the insurance policy number and 5-digit State Code number on the application form.  

What you are stating is that “most” Florida drivers are uninsured by assuming “few” have valid insurance.  Perhaps you should consider amending your comment

.

I used hyperbole to get your attention....literary license...maybe not over 50% but like henryn said 26.7 of the drivers don't have insurance in Florida. That is a huge number....if you are hit there is a 1/4 chance the other driver has no insurance. Add in the people who aren't counted because they lost their license so also don't have insurance and you could be close to 50%.

If you have to do as you say "In order to obtain a valid State vehicle registration certificate each year, you must enter the insurance policy number and 5-digit State Code number on the application form" how come over 1/4 of the drivers are driving around here without insurance?

driver100

stickguy said:

I believe the scam is to get insurance, register the car, then cancel the policy but you still have the insurance card until it runs out.

Good answer and is probably accurate.
As to the minimum requirements Mike stated:
Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.
Those are laughable......................$20,000 liability, that takes care of one day in the hospital.

driver100

dino001 said:

sda said:

In Florida, if you drop insurance or sell a car and do not transfer a tag, are you required to turn it in?

No, you can keep the tag, which later you can use for another vehicle. However, if you drive without registration, or registration without insurance in it, you’ll have your license suspended.p and be subject to fines.

Everyday they catch people here who are driving without a license and that means without insurance. They get a DUI, get license suspended, and then they find a car and start driving. The guy that hit the 19 year old kid in the Audi that flipped several times doesn't have a license....doesn't have insurance.

stickguy

there are tons of uninsured drivers in Philly. Plenty without valid licenses.

Mr_Shiftright

And lots of underinsured. Having $25K property damage is mighty poor planning, given that $100K cars are all over the place these days. I don't think some people realize that your insurance can cap out on you.

fintail

something something blood out of a turnip

abacomike

stickguy said:

Mike, I barely paid that when I had 3 cars and my college aged daughter on the policy. now that she is off on her own, for the wife and I we pay about $1,300 for a full feature Allstate policy for the 2 cars.

If I drove a Toyota Avalon, my $2250 a year drops to $1950 a year.  If I lived in Miami-Dads County, I would pay over $2500 a year. If I lived where my brother lives in Ponte Vedra Florida, I would be paying $1400 a year.  It’s because I live in South Florida where rates are obnoxious because of so many uninsured and underinsured drivers.

sda

Unless it has changed and I don’t know what is required in SC, I should.
In NC you are required to turn in the license plate if you drop insurance or you don’t transfer the plate to a different car. I learned this the hard way when I sold a car and canceled the insurance and kept the plate. By mail I got a nasty note warning of my arrest if I didn’t turn it in and assigned a police officer to the case. I contacted him, he was understanding and actually came to the house to retrieve the plate. This was around 1991. Makes good sense, can’t easily move a plate from car to car and be uninsured.

stickguy

when I sold my Elantra I kept the plates. Normally I would turn them in just to make sure that the car was fully off my record, but I was not worried about Carvana covering that! so I kept them, and the registration since that was 4 or 5 years, so if I buy a car (couldn't transfer to a lease) before that runs out, I can transfer the tags a lot cheaper than getting a new set.

ruking1

abacomike said:

ruking1 said:

oldfarmer50 said:

ruking1 said:

By CA traffic laws, the Honda has the right of way on the Jeep’s right lane merging/disappearing. But on secondary considerations, fault (academically ) is 30-50% the Jeep’s. Normally it would be the Jeep’s fault.

NY law says the same but what’s the point if you get wrecked or killed? Maybe Florida has to say no one has right of way because of all the insurance fraud.

Actually there are a lot of points. But the video does not/seems not to even approach the fear level in the question. In CA ( I suspect FL also) fully 25% of drivers are either not or under insured.

Having said that, if one plans to drive in AZ, NM, TX, LA, FL, etc. familiarization with each/the states laws are prudent.

I don’t know if your statement that fully 25% of drivers are either uninsured or underinsured in Florida is factual, but Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.  That’s why I have Unisured/Underinsured motorist protection ($100,000/$300,000).  Insurance companies in the State of Florida will not write policies without State minimum coverages.

I have no doubt that 25% of Florida drivers are underinsured using what is considered reasonable levels of coverages, but if they carry State required limits, they are not considered underinsured.

The cost of automobile insurance here in South Florida is awful - I pay $2250 a year for my insurance. That’s why there are many (not most) drivers who do not have insurance because they can’t afford it!

On all to most counts, now you know why your insurance coverages are so high and you heard it here first ! So for example, the minimums that Florida requires are GREAT IF you never get into an @ fault accident OVER the $ categories mentioned! ?

suydam

abacomike said:

stickguy said:

Mike, I barely paid that when I had 3 cars and my college aged daughter on the policy. now that she is off on her own, for the wife and I we pay about $1,300 for a full feature Allstate policy for the 2 cars.

If I drove a Toyota Avalon, my $2250 a year drops to $1950 a year.  If I lived in Miami-Dads County, I would pay over $2500 a year. If I lived where my brother lives in Ponte Vedra Florida, I would be paying $1400 a year.  It’s because I live in South Florida where rates are obnoxious because of so many uninsured and underinsured drivers.

That does seem high. I live in a fairly expensive area and we pay about $1400 for 2 cars, which I thought was outrageous compared to central Ohio.

tjc78

I’m 2100 for two cars, two drivers full coverage on each. No accidents/tickets.

Probably time to re quote that, it’s been about three years.

tjc78

stickguy said:

when I sold my Elantra I kept the plates. Normally I would turn them in just to make sure that the car was fully off my record, but I was not worried about Carvana covering that! so I kept them, and the registration since that was 4 or 5 years, so if I buy a car (couldn't transfer to a lease) before that runs out, I can transfer the tags a lot cheaper than getting a new set.

I have quite a few plates hanging in the workshop. I’ve never turned a set in. Heck I even have an original yellow set (before NJ went blue in the mid 80s) that was on one of my Grandfather’s cars.

With leasing usually the plates stay with the car, but this last time since I stayed with GMF and it was the same class of car I was able to transfer plates. Big surprise when I got a registration renewal since it wasn’t the typical 4 year new registration!

ab348

tjc78 said:

I have quite a few plates hanging in the workshop. I’ve never turned a set in. Heck I even have an original yellow set (before NJ went blue in the mid 80s) that was on one of my Grandfather’s cars.

With leasing usually the plates stay with the car, but this last time since I stayed with GMF and it was the same class of car I was able to transfer plates. Big surprise when I got a registration renewal since it wasn’t the typical 4 year new registration!

That's interesting. Up here we had plate-to-car until maybe 20 years ago when it was changed to plate-to-owner. So I have 2 plates hanging in the garage from the cars I owned back around that time which I still owned when I bought my Intrigue in 2003. They issued a new plate for that to me as a result and that plate has been on the Intrigue, Lacrosse, Regal, and both of the Cadillacs I have had since. Two of those were leased cars where the title was not in my name but the annual registration was in my name.

roadburner

My pet peeve are the people who drive all the way up to the end of a lane to jump ahead of everyone else. I will usually give out of town drivers the benefit of the doubt but if they are local I tend to not see them. 

snakeweasel

tjc78 said:

I’m 2100 for two cars, two drivers full coverage on each. No accidents/tickets. Probably time to re quote that, it’s been about three years.

I am at just over $2,800 but that's for two cars, a motorcycle and life insurance. If I were to break it down I would say half or less is for the cars, don't know the exact figures as I don't have the paperwork with me at this time.

houdini2

driver100 said:

stickguy said:

I believe the scam is to get insurance, register the car, then cancel the policy but you still have the insurance card until it runs out.

Good answer and is probably accurate.
As to the minimum requirements Mike stated:
Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.
Those are laughable......................$20,000 liability, that takes care of one day in the hospital.

All those illegal immigrants from Canada?

houdini2

fintail said:

something something blood out of a turnip

fintail said:

something something blood out of a turnip

fintail said:

something something blood out of a turnip

I heard of some guy who said that to a bill collector and the bill collector said, "What makes you think you're a turnip".

imidazol97

Insurance costs to just replace a simple windshield...
Posted by Dr_Shiftright in another topic

https://forums.edmunds.com/discussion/comment/5662020/#Comment_5662020

snakeweasel

houdini2 said:

something something blood out of a turnip

something something blood out of a turnip

something something blood out of a turnip

I heard of some guy who said that to a bill collector and the bill collector said, "What makes you think you're a turnip".

Right, from now on we will say "like getting turnip juice from a human".

Mr_Shiftright

roadburner said:

My pet peeve are the people who drive all the way up to the end of a lane to jump ahead of everyone else. I will usually give out of town drivers the benefit of the doubt but if they are local I tend to not see them. 

It's interesting. When I was driving the Mini, people tried to push me out of the way or intimidate me in merging--when I drive the Dodge 4X4, nobody bothers me. This might suggest the popularity of jacked-up SUVs and crossovers today.

abacomike

imidazol97 said:

Insurance costs to just replace a simple windshield... Posted by Dr_Shiftright in another topic https://forums.edmunds.com/discussion/comment/5662020/#Comment_5662020

I had to replace the windshield on the S450 last year in January - $1750 at SafeLite + another $250 at Mercedes to reprogram and align the cameras and sensors.  Insurance paid 100%.  But it ain’t cheap anymore! 

snakeweasel

Mr_Shiftright said:

My pet peeve are the people who drive all the way up to the end of a lane to jump ahead of everyone else. I will usually give out of town drivers the benefit of the doubt but if they are local I tend to not see them. 

It's interesting. When I was driving the Mini, people tried to push me out of the way or intimidate me in merging--when I drive the Dodge 4X4, nobody bothers me. This might suggest the popularity of jacked-up SUVs and crossovers today.

What I hate is when people sit and block the lane that is ending in order to keep people from driving all the way up to the point of merge. Especially when they are blocking me from advancing to the place where I am going to turn off the road prior to the merge.

ruking1

roadburner said:

My pet peeve are the people who drive all the way up to the end of a lane to jump ahead of everyone else. I will usually give out of town drivers the benefit of the doubt but if they are local I tend to not see them. 

While annoying to me also, the described lane mergings are really designed to do that, with the lane disappearing required to yield and for both attitudes & actions.

driver100

ruking1 said:

abacomike said:

ruking1 said:

oldfarmer50 said:

ruking1 said:

By CA traffic laws, the Honda has the right of way on the Jeep’s right lane merging/disappearing. But on secondary considerations, fault (academically ) is 30-50% the Jeep’s. Normally it would be the Jeep’s fault.

NY law says the same but what’s the point if you get wrecked or killed? Maybe Florida has to say no one has right of way because of all the insurance fraud.

Actually there are a lot of points. But the video does not/seems not to even approach the fear level in the question. In CA ( I suspect FL also) fully 25% of drivers are either not or under insured.

Having said that, if one plans to drive in AZ, NM, TX, LA, FL, etc. familiarization with each/the states laws are prudent.

I don’t know if your statement that fully 25% of drivers are either uninsured or underinsured in Florida is factual, but Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.

Auto
IN THIS FACTS + STATISTICS
Estimated Percentage Of Uninsured Motorists, 1992-2015 (1)
Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2015 (1)
Estimated Percentage Of Uninsured Motorists By State, 2015 (1)
Automobile Financial Responsibility Laws By State

Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. Twenty states and the District of Columbia have mandatory requirements for uninsured or underinsured motorist coverage. More than half of the states have passed laws and begun to develop and implement online auto insurance verification systems to identify uninsured motorists.

In 2015, 13.0 percent of motorists, or about one in eight drivers, was uninsured, according to a 2017 study (latest data available) by the Insurance Research Council (IRC). The percentage has been rising since it hit a record low of 12.3 in 2010. Florida had the highest percentage of uninsured motorists, 26.7 percent, and Maine had the lowest, 4.5 percent. IRC measures the number of uninsured motorists based on insurance claims, using a ratio of insurance claims made by people who were injured by uninsured drivers relative to the claims made by people who were injured by insured drivers.


Estimated Percentage Of Uninsured Motorists, 1992-2015 (1)U.S.A.
Year Percent Year Percent Year Percent
1992 15.6% 2000 13.4% 2008 14.3%
1993 16.0 2001 14.2 2009 13.8
1994 15.1 2002 14.5 2010 12.3
1995 14.2 2003 14.9 2011 12.3
1996 13.8 2004 14.6 2012 12.6
1997 13.2 2005 14.6 2013 12.7
1998 13.0 2006 14.3 2014 13.0
1999 12.8 2007 13.8 2015 13.0
(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.

Source: Insurance Research Council.


Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2015 (1)

Highest Lowest
Rank State Percent uninsured Rank State Percent uninsured
1 Florida 26.7% 1 Maine 4.5%
2 Mississippi 23.7 2 New York 6.1
3 New Mexico 20.8 3 Massachusetts 6.2
4 Michigan 20.3 4 North Carolina 6.5
5 Tennessee 20.0 5 Vermont 6.8
6 Alabama 18.4 6 Nebraska 6.8
7 Washington 17.4 7 North Dakota 6.8
8 Indiana 16.7 8 Kansas 7.2
9 Arkansas 16.6 9 Pennsylvania 7.6
10 D.C. 15.6 10 South Dakota 7.7

If you lose your license you should get an ankle bracelet that rings if you are operating a car. Insurance companies should have a password you enter in order to start your car.
CHECK THE STATISTICS

Even the number of insured driving in the US is way higher than I would have thought.

driver100

houdini2 said:

driver100 said:

stickguy said:

I believe the scam is to get insurance, register the car, then cancel the policy but you still have the insurance card until it runs out.

Good answer and is probably accurate.
As to the minimum requirements Mike stated:
Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.
Those are laughable......................$20,000 liability, that takes care of one day in the hospital.

All those illegal immigrants from Canada?

lol, but actually in Canada:
While driving without insurance is not an offence under the Criminal Code of Canada, it is a serious provincial offence. The penalties for driving with no insurance in Ontario are as follows: a fine of between $5,000 and $25,000 on a first conviction.
I don't think it is much of a penalty in Florida.
Also most Canadians have $1 million liability insurance....I have $3 million which is becoming more common.
If you injure people seriously or kill them, medical or death can easily surpass $300,000. If those 26.7% of people were paying for their insurance......then maybe eeryone who pays insurance would get a reduction.

ruking1

Essentially, uninsured motorist coverages are actually paying (again) for people who should have insurance, but either refuse do not want to or think the “system” will pay for it.

This is only my opinion, but the reason why people run/leave the scene of the accident; it’s not the crash damage, but the potential injury damage.

Insult to injury, even though it’s their fault, they will sue YOU. To me, both are totally wrong. Runners should be run down, first charge being felony assault. Other charges to follow.

ruking1

driver100 said:

ruking1 said:

abacomike said:

ruking1 said:

oldfarmer50 said:

ruking1 said:

By CA traffic laws, the Honda has the right of way on the Jeep’s right lane merging/disappearing. But on secondary considerations, fault (academically ) is 30-50% the Jeep’s. Normally it would be the Jeep’s fault.

NY law says the same but what’s the point if you get wrecked or killed? Maybe Florida has to say no one has right of way because of all the insurance fraud.

Actually there are a lot of points. But the video does not/seems not to even approach the fear level in the question. In CA ( I suspect FL also) fully 25% of drivers are either not or under insured.

Having said that, if one plans to drive in AZ, NM, TX, LA, FL, etc. familiarization with each/the states laws are prudent.

I don’t know if your statement that fully 25% of drivers are either uninsured or underinsured in Florida is factual, but Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.

Auto
IN THIS FACTS + STATISTICS
Estimated Percentage Of Uninsured Motorists, 1992-2015 (1)
Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2015 (1)
Estimated Percentage Of Uninsured Motorists By State, 2015 (1)
Automobile Financial Responsibility Laws By State

Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. Twenty states and the District of Columbia have mandatory requirements for uninsured or underinsured motorist coverage. More than half of the states have passed laws and begun to develop and implement online auto insurance verification systems to identify uninsured motorists.

In 2015, 13.0 percent of motorists, or about one in eight drivers, was uninsured, according to a 2017 study (latest data available) by the Insurance Research Council (IRC). The percentage has been rising since it hit a record low of 12.3 in 2010. Florida had the highest percentage of uninsured motorists, 26.7 percent, and Maine had the lowest, 4.5 percent. IRC measures the number of uninsured motorists based on insurance claims, using a ratio of insurance claims made by people who were injured by uninsured drivers relative to the claims made by people who were injured by insured drivers.


Estimated Percentage Of Uninsured Motorists, 1992-2015 (1)U.S.A.
Year Percent Year Percent Year Percent
1992 15.6% 2000 13.4% 2008 14.3%
1993 16.0 2001 14.2 2009 13.8
1994 15.1 2002 14.5 2010 12.3
1995 14.2 2003 14.9 2011 12.3
1996 13.8 2004 14.6 2012 12.6
1997 13.2 2005 14.6 2013 12.7
1998 13.0 2006 14.3 2014 13.0
1999 12.8 2007 13.8 2015 13.0
(1) Percentage of uninsured drivers, as measured by the ratio of uninsured motorists (UM) claims to bodily injury (BI) claim frequencies.

Source: Insurance Research Council.


Top 10 Highest And Lowest States By Estimated Percentage Of Uninsured Motorists, 2015 (1)

Highest Lowest
Rank State Percent uninsured Rank State Percent uninsured
1 Florida 26.7% 1 Maine 4.5%
2 Mississippi 23.7 2 New York 6.1
3 New Mexico 20.8 3 Massachusetts 6.2
4 Michigan 20.3 4 North Carolina 6.5
5 Tennessee 20.0 5 Vermont 6.8
6 Alabama 18.4 6 Nebraska 6.8
7 Washington 17.4 7 North Dakota 6.8
8 Indiana 16.7 8 Kansas 7.2
9 Arkansas 16.6 9 Pennsylvania 7.6
10 D.C. 15.6 10 South Dakota 7.7

If you lose your license you should get an ankle bracelet that rings if you are operating a car. Insurance companies should have a password you enter in order to start your car.
CHECK THE STATISTICS

Even the number of insured driving in the US is way higher than I would have thought.

So the real interesting information according to FARS data, https://www-fars.nhtsa.dot.gov/Main/index.aspx it is still one of the safest periods of time in recorded accident/injury fatality history, despite the lack of real world adequate to no insurance crisises.

United States FARS data actually averages out 50 states and DC’s information. So the good/bad news; there are far, far, far safer/less safe places.

So like I realize that driving in New Mexico has an increased risk on many indicators. One example, passing is done in the oncoming lane. 👍😱😜😎But I love driving the ( route “66”) desert two ne blacktops. Still it’s spooky to see all those pounded in white crosses on either side of the roads

bwia

I was just watching a local TV commercial by a local lawyer and he asked the rhetorical question: "does a person involved in an auto crash deserve a $million dollars settlement?" Not sure what amount is a reasonable settlement but I believe a $1 million is a bit much for a non-fatal accident.

Not only are such payments are absorpitant but they are directly responsible for our outrageous insurance premiums. 

Mr_Shiftright

I suppose it might be if say you were blinded or paralyzed.

snakeweasel

https://www.msn.com/en-us/autos/ownership/car-products-that-are-a-complete-waste-of-money/ss-BBMal8r?li=BBnb7Kz#image=1

I want number 19 and I don't know why.

qbrozen

Well, the author thinks paddle shifters control a manual transmission, sooo ....

And totally wrong about adaptive headlights. Author obviously has no clue how/why they function, nor has lived in an area with zero ambient light and streetlights. These days, when I'm driving a vehicle without adaptive headlights, I definitely notice the difference. Did we get along without them for decades? Sure. Can I now avoid crawling around turns to be careful of all the crazy deer around here? Yes.

driver100

bwia said:

I was just watching a local TV commercial by a local lawyer and he asked the rhetorical question: "does a person involved in an auto crash deserve a $million dollars settlement?" Not sure what amount is a reasonable settlement but I believe a $1 million is a bit much for a non-fatal accident.

Not only are such payments are absorpitant but they are directly responsible for our outrageous insurance premiums. 

What if you are hit by a car....and you need special home, and 24/7 care? Who should pay for that? And if you were supporting a family of 4 or 5. Who covers the costs you could have paid for? Easily $1 million plus.

ruking1

driver100 said:

bwia said:

I was just watching a local TV commercial by a local lawyer and he asked the rhetorical question: "does a person involved in an auto crash deserve a $million dollars settlement?" Not sure what amount is a reasonable settlement but I believe a $1 million is a bit much for a non-fatal accident.

Not only are such payments are absorpitant but they are directly responsible for our outrageous insurance premiums. 

What if you are hit by a car....and you need special home, and 24/7 care? Who should pay for that? And if you were supporting a family of 4 or 5. Who covers the costs you could have paid for? Easily $1 million plus.

I’ve never seen any statistics as to how many hit-and-run’s runners have ever been brought to justice. Nor how cases involving great bodily injury have been adjudicated due to UNDER insured to NO insurance.

https://www.iihs.org/iihs

driver100

Apparently 25% of accidents in the Tampa area are hit and runs.
Of 690 hit and runs that went to a trial, only 30% were found guilty.
A lot of hit and runs are DUIs and/or uninsured drivers.
Penalties should be much greater than they are.
25% of accidents in Tampa area are Hit & Runs

ruking1

Very early on, we had a house in a neighborhood that was so safe, a lot of folks had/ ...STILL have alarm systems wired into the local police department. http://www.ci.atherton.ca.us/

houdini2

driver100 said:

houdini2 said:

driver100 said:

stickguy said:

I believe the scam is to get insurance, register the car, then cancel the policy but you still have the insurance card until it runs out.

Good answer and is probably accurate.
As to the minimum requirements Mike stated:
Florida’s minimum insurance requirements include $10,000 PIP (Personal Injury Protection), $10,000 property damage and $20,000 liability coverage.
Those are laughable......................$20,000 liability, that takes care of one day in the hospital.

All those illegal immigrants from Canada?

lol, but actually in Canada:
While driving without insurance is not an offence under the Criminal Code of Canada, it is a serious provincial offence. The penalties for driving with no insurance in Ontario are as follows: a fine of between $5,000 and $25,000 on a first conviction.
I don't think it is much of a penalty in Florida.
Also most Canadians have $1 million liability insurance....I have $3 million which is becoming more common.
If you injure people seriously or kill them, medical or death can easily surpass $300,000. If those 26.7% of people were paying for their insurance......then maybe eeryone who pays insurance would get a reduction.

So you don't get free auto insurance in Canada? Bummer.

ruking1

That’s because they have socialized medical care🤑😉 What they need are a lot of Americans using their systems 🤑😎😱 Evidently they need a crisis?😱

So it seems like the best things to do; retire in Mexico, use their socialize medicine except for Canada when you need more complex care. 👍😎 car insurance covers driving in CN. & certain mileage in Mexico. HmmmIt almost sounds like a plan, Life is good.

snakeweasel

qbrozen said:

Well, the author thinks paddle shifters control a manual transmission, sooo .... And totally wrong about adaptive headlights. Author obviously has no clue how/why they function, nor has lived in an area with zero ambient light and streetlights. These days, when I'm driving a vehicle without adaptive headlights, I definitely notice the difference. Did we get along without them for decades? Sure. Can I now avoid crawling around turns to be careful of all the crazy deer around here? Yes.

Well most (all?) of the cars I have seen with paddle shifters were dual clutch which are basically manual transmissions with automated clutches. Since he mentioned paddle shifters for manual transmissions built for racing he is definitely talking about DCT's. Sooo.....

fintail

That MSN car junk list is like checking Tiger Beat for hints on building a particle accelerator. Rain sensing wipers, scary!

ruking1

The MB GLK 350/250BT have paddle shifting. They are robust 7 sp automatic transmissions. They are not dual clutch, per VW’s, Porsches.

While they have rain sensing wipers, I do not like, nor do I use them. Not to plug a product, but a product like rain X really makes rain drops fly off a windshield/all glass.