Edmunds Members - Cars and Conversations (Archived)

driver100

My neighbor who is about 5 ft tall and maybe 90 pounds happened to park her BMW i3 next to a pick up truck with flags on it that had been parked on an angle fully taking up 2 spaces....while she went into the drug store.

When she came back the pick-up guys were telling her how awful it was that someone would buy an EV and they thought it was stupid to be driving one....etc etc. They asked her if it was hers and she said "No", that she lives across the street and walks to the plaza. She said she had to go and she went into the grocery store, and watched and waited until the pick-up guys drove away. Probably the smart thing to do.

driver100

andres3 said:

The right of way to that road belongs to you -- and to you only. Anyone wanting to merge into your lane would have to yield to you. You have no obligation to slow traffic down to allow other traffic to come in, unless it's an active emergency vehicle of course.Nov 19, 2020

.

Technically, true, but this is more realistic;
Unlike many driving situations, where one vehicle has the right-of-way over another, merging, “is a shared responsibility between the vehicles joining the roadway and the vehicles already on the roadway.”
I think if you intentionally hit or block a car trying to merge safely, you could be charged....maybe careless driving. And rightfully so, the laws are made to allow traffic to flow as easily as possible......cutting off people or not allowing them to merge is WRONG!

dino001

driver100 said:

andres3 said:

The right of way to that road belongs to you -- and to you only. Anyone wanting to merge into your lane would have to yield to you. You have no obligation to slow traffic down to allow other traffic to come in, unless it's an active emergency vehicle of course.Nov 19, 2020

.

Technically, true, but this is more realistic;
Unlike many driving situations, where one vehicle has the right-of-way over another, merging, “is a shared responsibility between the vehicles joining the roadway and the vehicles already on the roadway.”
I think if you intentionally hit or block a car trying to merge safely, you could be charged....maybe careless driving. And rightfully so, the laws are made to allow traffic to flow as easily as possible......cutting off people or not allowing them to merge is WRONG!

Florida Driver's Handbook stresses that NOBODY has a right of way. The order of yield to one vehicle (by sign, signal, or a rule) does not automatically extend right of way to the other vehicle. It's bestowed to EVERYBODY on the road to do all they can to avoid collision. In other words, if a jackass pushes in front of you from auxiliary road or lane, you do not have a right to "execute" your imaginary "right of way" by plowing into them on purpose. If it can be proven that your slowing down would have averted the collision once you became aware that somebody is not yielding and you chose not to do it, you would be found as contributing to the accident. Now, it may just be hard to prove, but the point is, NOBODY has a a right of way defined as "I don't have to care what's going on around me, it's everybody else's problem". I suspect all states have similar laws.

Basically when somebody else is a jackass, it does not give you right to be one yourself. When both of you are, then both of you will be treated as such by the court.

driver100

California Law seems to be a little different;
Who Is At Fault For A Merging Accident In California?
Vehicles which are maintaining their own lane position are usually not at fault for merging accidents in California. The merging vehicle must not merge into the adjacent lane until it is safe to do so, so merging accidents are usually considered the fault of the merging driver.
These laws allow for some judgement considering the circumstances, and in California they talk about mutual responsibility.
I like the Florida Law in this case, it is clearer and I think most states and Canadian Provinces agree that merging is a shared responsibility.

imidazol97

>I came across this as I was checking facebook friends.

Why? Why would anyone do this with their vehicles?

https://www.facebook.com/reel/1041133323991202

oldfarmer50

driver100 said:

My neighbor who is about 5 ft tall and maybe 90 pounds happened to park her BMW i3 next to a pick up truck with flags on it that had been parked on an angle fully taking up 2 spaces....while she went into the drug store.

When she came back the pick-up guys were telling her how awful it was that someone would buy an EV and they thought it was stupid to be driving one....etc etc. They asked her if it was hers and she said "No", that she lives across the street and walks to the plaza. She said she had to go and she went into the grocery store, and watched and waited until the pick-up guys drove away. Probably the smart thing to do.

Was this in Canada or Florida. If it was in Canada I can’t see someone giving her a hard time. If it was in Florida one of them might eat her face.

Regardless, why should anyone have to apologize for what they drive? During my driving history I frequently drove junk cars deliberately just so people would shake their heads.

imidazol97

(A) The operator of a vehicle, streetcar, or trackless trolley about to enter or cross a highway from any place other than another roadway shall yield the right of way to all traffic approaching on the roadway to be entered or crossed.

Section 4511.44 - Ohio Revised Code

jmonroe1

imidazol97 said:

>I came across this as I was checking facebook friends.

Why? Why would anyone do this with their vehicles?

https://www.facebook.com/reel/1041133323991202

————————————————
How many would do that if there wasn’t an Internet?

As for the father of that little one, that’s why there are laws that allow taking kids from their parents. I’m sure the father would say “it’s a free country and I’ll give up my gun when you pry my cold dead fingers from it” and stuff like that.

jmonroe

driver100

oldfarmer50 said:

driver100 said:

My neighbor who is about 5 ft tall and maybe 90 pounds happened to park her BMW i3 next to a pick up truck with flags on it that had been parked on an angle fully taking up 2 spaces....while she went into the drug store.

When she came back the pick-up guys were telling her how awful it was that someone would buy an EV and they thought it was stupid to be driving one....etc etc. They asked her if it was hers and she said "No", that she lives across the street and walks to the plaza. She said she had to go and she went into the grocery store, and watched and waited until the pick-up guys drove away. Probably the smart thing to do.

Was this in Canada or Florida. If it was in Canada I can’t see someone giving her a hard time. If it was in Florida one of them might eat her face.

Regardless, why should anyone have to apologize for what they drive? During my driving history I frequently drove junk cars deliberately just so people would shake their heads.

It was in Canada....and I was a bit surprised. Although, there are the Convoy Truckers around, and the trial for the instigators is going on now....and it is kind of a day of protests....oh boy! Geesh!
I agree, drive what you want to drive...it doesn't matter to me. My poor neighbor though, she shouldn't have had to go through that.

driver100

imidazol97 said:

(A) The operator of a vehicle, streetcar, or trackless trolley about to enter or cross a highway from any place other than another roadway shall yield the right of way to all traffic approaching on the roadway to be entered or crossed.

Section 4511.44 - Ohio Revised Code

Street cars and trackless trolleys........when were those laws written?

explorerx4

Ohio was ahead of its' time.

andres3

driver100 said:

andres3 said:

The right of way to that road belongs to you -- and to you only. Anyone wanting to merge into your lane would have to yield to you. You have no obligation to slow traffic down to allow other traffic to come in, unless it's an active emergency vehicle of course.Nov 19, 2020

.

Technically, true, but this is more realistic;
Unlike many driving situations, where one vehicle has the right-of-way over another, merging, “is a shared responsibility between the vehicles joining the roadway and the vehicles already on the roadway.”
I think if you intentionally hit or block a car trying to merge safely, you could be charged....maybe careless driving. And rightfully so, the laws are made to allow traffic to flow as easily as possible......cutting off people or not allowing them to merge is WRONG!

How do you cut off a merger? Not sure I've ever seen that happen.

I'd agree that you should not intentionally block someone trying to merge by playing games such as accelerating or decelerating to match their speed. However, a merger should not be completely clueless and oblivious to your constant unchanging speed either.

If you are on cruise control for the last 2 hours, the merger should merge in a way that doesn't upset the cruise control at all. I naturally speed up when a merger is clearly a bit slower, or let off the gas a tad if they appear to be speeding up enough to warrant it, just to create a bit more space, and leave no room for confusion.

And vehicles on the roadway do have the right of way. Merging cars do not have the right of way, so it is just like many driving situations.

An unsafe merge is pretty much identical to an "unsafe lane change" which would be a vehicle code violation. If your lane change results in a collision, it was by definition, an unsafe lane change.

andres3

dino001 said:

driver100 said:

andres3 said:

The right of way to that road belongs to you -- and to you only. Anyone wanting to merge into your lane would have to yield to you. You have no obligation to slow traffic down to allow other traffic to come in, unless it's an active emergency vehicle of course.Nov 19, 2020

.

Technically, true, but this is more realistic;
Unlike many driving situations, where one vehicle has the right-of-way over another, merging, “is a shared responsibility between the vehicles joining the roadway and the vehicles already on the roadway.”
I think if you intentionally hit or block a car trying to merge safely, you could be charged....maybe careless driving. And rightfully so, the laws are made to allow traffic to flow as easily as possible......cutting off people or not allowing them to merge is WRONG!

Florida Driver's Handbook stresses that NOBODY has a right of way. The order of yield to one vehicle (by sign, signal, or a rule) does not automatically extend right of way to the other vehicle. It's bestowed to EVERYBODY on the road to do all they can to avoid collision. In other words, if a jackass pushes in front of you from auxiliary road or lane, you do not have a right to "execute" your imaginary "right of way" by plowing into them on purpose. If it can be proven that your slowing down would have averted the collision once you became aware that somebody is not yielding and you chose not to do it, you would be found as contributing to the accident. Now, it may just be hard to prove, but the point is, NOBODY has a a right of way defined as "I don't have to care what's going on around me, it's everybody else's problem". I suspect all states have similar laws.

The problem with State Driving Handbooks is they are usually written by one of those Jackasses, by the State DMV, and they don't even know their own States traffic laws, which were enacted by the Legislature through statute/vehicle codes. I wouldn't trust State driving handbooks to be correct.

Basically when somebody else is a jackass, it does not give you right to be one yourself. When both of you are, then both of you will be treated as such by the court.

Very hard to prove when one driver is both NEGLIGENT, illegal, and a jackass, whereas the driver following driving rules, laws, and protocol (right-of-way) may just be guilty of being a jackass at most. It's easy to prove who violated right of way laws, it's very difficult to judge whether someone was deliberately a terrible driver, or just is a bad driver with slow reflexes.

It's funny that early accident reports indicate that autonomous vehicles are really really bad drivers when it comes to avoiding other bad drivers.

andres3

driver100 said:

California Law seems to be a little different;
Who Is At Fault For A Merging Accident In California?
Vehicles which are maintaining their own lane position are usually not at fault for merging accidents in California. The merging vehicle must not merge into the adjacent lane until it is safe to do so, so merging accidents are usually considered the fault of the merging driver.
These laws allow for some judgement considering the circumstances, and in California they talk about mutual responsibility.
I like the Florida Law in this case, it is clearer and I think most states and Canadian Provinces agree that merging is a shared responsibility.

Shared responsibility doesn't seem like a legal term in any State or Country. There are driving right-of-way rules, and the rules are clear, merging vehicles DO NOT have the right-of-way.

I'm open to being referred to a Statute or code that differs, but I don't want to hear from "the web" or a "DMV" handbook written by a jackass.

From a logical standpoint, I don't think you'll be able to find one. It's impossible to avoid chaos if you write the laws in such a way as to allow someone to change lanes blindly, turn blindly, and/or merge blindly because "everyone else should just get out of their way and avoid them."

And I'm really really good at avoiding them, but not everyone is Superman

roadburner

imidazol97 said:

>I came across this as I was checking facebook friends.

Why? Why would anyone do this with their vehicles?

https://www.facebook.com/reel/1041133323991202

I wouldn't do it, but I admire those who do- it's like the people who buy track ready cars and actually take them to HPDEs rather than wetting their pants over driving it in the rain.

oldfarmer50

andres3 said:

driver100 said:

andres3 said:

The right of way to that road belongs to you -- and to you only. Anyone wanting to merge into your lane would have to yield to you. You have no obligation to slow traffic down to allow other traffic to come in, unless it's an active emergency vehicle of course.Nov 19, 2020

.

Technically, true, but this is more realistic;
Unlike many driving situations, where one vehicle has the right-of-way over another, merging, “is a shared responsibility between the vehicles joining the roadway and the vehicles already on the roadway.”
I think if you intentionally hit or block a car trying to merge safely, you could be charged....maybe careless driving. And rightfully so, the laws are made to allow traffic to flow as easily as possible......cutting off people or not allowing them to merge is WRONG!

How do you cut off a merger? Not sure I've ever seen that happen.

I'd agree that you should not intentionally block someone trying to merge by playing games such as accelerating or decelerating to match their speed. However, a merger should not be completely clueless and oblivious to your constant unchanging speed either.

If you are on cruise control for the last 2 hours, the merger should merge in a way that doesn't upset the cruise control at all. I naturally speed up when a merger is clearly a bit slower, or let off the gas a tad if they appear to be speeding up enough to warrant it, just to create a bit more space, and leave no room for confusion.

And vehicles on the roadway do have the right of way. Merging cars do not have the right of way, so it is just like many driving situations.

An unsafe merge is pretty much identical to an "unsafe lane change" which would be a vehicle code violation. If your lane change results in a collision, it was by definition, an unsafe lane change.

The other night I was exiting unto the two lane ramp and suddenly the right lane was closed. As I’m edging along the remaining lane a big pickup ran up on the right and almost hit the barriers to force his way into my lane. I had to brake to avoid hitting him. I guess I was cut off BY a merger.

driver100

I would say a lane changer is different than a merger.
A lane changer has choices, he can stay in his lane until it is clear to make the change.
A merger has some limitations. The largest one is running out of runway. Another factor is to merge as swiftly and smoothly as possible to aid cars on the highway, and cars that are following him, plus he has to find a spot to enter...not always easy.
So, if someone wants to merge you should try to help them out, and it isn't your lane if you are on the highway, you have a responsibility to let cars merge safely.
If a cop saw a car merging properly and if you hit him you will be charged if you could have avoided an accident....you'd be the one not driving properly.

sb55

driver100 said:

My neighbor who is about 5 ft tall and maybe 90 pounds happened to park her BMW i3 next to a pick up truck with flags on it that had been parked on an angle fully taking up 2 spaces....while she went into the drug store.

When she came back the pick-up guys were telling her how awful it was that someone would buy an EV and they thought it was stupid to be driving one....etc etc. They asked her if it was hers and she said "No", that she lives across the street and walks to the plaza. She said she had to go and she went into the grocery store, and watched and waited until the pick-up guys drove away. Probably the smart thing to do.

I thought Canadians were polite!
Our little town VT has a jacked up pick up with flags that parks and annoys people. A lot of people are pretty upset at the "F" word flags that wave from this truck when the school bus goes by.

driver100

sb55 said:

driver100 said:

My neighbor who is about 5 ft tall and maybe 90 pounds happened to park her BMW i3 next to a pick up truck with flags on it that had been parked on an angle fully taking up 2 spaces....while she went into the drug store.

When she came back the pick-up guys were telling her how awful it was that someone would buy an EV and they thought it was stupid to be driving one....etc etc. They asked her if it was hers and she said "No", that she lives across the street and walks to the plaza. She said she had to go and she went into the grocery store, and watched and waited until the pick-up guys drove away. Probably the smart thing to do.

I thought Canadians were polite!
Our little town VT has a jacked up pick up with flags that parks and annoys people. A lot of people are pretty upset at the "F" word flags that wave from this truck when the school bus goes by.

That is unfortunate about the F-flags. People have their views but they don't win converts when they act that way.
Since I am in Florida for almost half a year, and I am here for about half a year.......I'd say people are more polarized in the U.S., but we are catching up.....no one is tolerant of the other point of view.

driver100

@jmonroe1
Quick update on the door that jams on the bottom.
"The Guy" put washers on the bottom hinge only, he said that hinge was not tight....that raised the side of the door that was drooping. Since it pushes the door over the door sticks a bit along the edge against the frame...he anticipated that but he said that is wood, and he can sand that down. The door is level across the top now.

andres3

driver100 said:

I would say a lane changer is different than a merger.
A lane changer has choices, he can stay in his lane until it is clear to make the change.
A merger has some limitations. The largest one is running out of runway. Another factor is to merge as swiftly and smoothly as possible to aid cars on the highway, and cars that are following him, plus he has to find a spot to enter...not always easy.
So, if someone wants to merge you should try to help them out, and it isn't your lane if you are on the highway, you have a responsibility to let cars merge safely.
If a cop saw a car merging properly and if you hit him you will be charged if you could have avoided an accident....you'd be the one not driving properly.

A merger has many choices. They could have stayed home. They could choose to not drive incompetently and ineptly, and take an Uber or Lyft ride. They can stop before the runway ends.

Honestly, if a driver can't merge safely before the end of the "runway" they should hang up their driving shoes immediately.

I don't understand how the lane you are already in isn't your lane on the highway. That doesn't make any sense to me. If you are going straight minding your own business without changing lanes, it is your lane.

How does one merge properly and get hit? I fail to be able to imagine and visualize such a scenario. The only one I can think of is where someone merges completely into a lane and then is later rear-ended by someone that must have been on their cell phone or otherwise distracted. But then again, doesn't the merger have an obligation to realize the car behind them is going faster and jump into the shoulder and/or speed up to avoid the collision???? Or does avoiding collisions only go one way hypocritically?

mjfloyd1

You have never been in a college town when freshmen and international students move in. One way streets are just a suggestion. Likewise with stop signs and yield signs.

driver100

I merge onto a very busy highway, and I have had to merge into traffic when there were 5 transport trucks traveling together, about 10 feet apart, going 60 mph., and I needed split second timing to wedge myself in.

It looks like the laws allow for some interpretation concerning merging, and I think you have to do your part in allowing cars to enter the highway....you don't own the lane you are in. It is your lane if everything is going normally, but if you don't do your part to help a car get onto the highway I'd say you are negligent...and I am pretty sure Judge Judy would say the same.

jmonroe1

driver100 said:

@jmonroe1
Quick update on the door that jams on the bottom.
"The Guy" put washers on the bottom hinge only, he said that hinge was not tight....that raised the side of the door that was drooping. Since it pushes the door over the door sticks a bit along the edge against the frame...he anticipated that but he said that is wood, and he can sand that down. The door is level across the top now.

————————————————
I thought you tightened the hinges. If you did and it came loose again there isn’t enough wood to hold it. On top of all that it doesn’t sound like the jam is plumb. If it stays put now, sanding will fix your door but if not you’ll be fixing it again. Keep an eye on the gap on the latch side of the door. If it changes too much your problem will return.

Good for you that you called the “guy”.

jmonroe

mjfloyd1

Spotted at Walmart this afternoon

kyfdx

mjfloyd1 said:

Spotted at Walmart this afternoon

'90 RX7 turbo convertible?

Rare to see the convertible with turbo, I think

driver100

mjfloyd1 said:

Spotted at Walmart this afternoon

Yeh, the guy parks his beautiful and rare car in a spot away from all the other Walmart Shoppers and someone has to park 6 inches from his rare exotic beautiful car

Also note, shopping buggy not returned to coral.

laurasdada

@roadburner: Here's one for your docket.
Right in his own garage... (my old hometown).

https://sfgate.com/news/article/westport-bayberry-lane-carjacking-suspect-18380853.php

sda

@abacomike @driver100 @dino Are the stories in the news concerning insurance rate increases for home and auto, and companies no longer doing business in FL as bad as being reported? I think I read the average premium for home insurance is about $6k?

stickguy

love the car (but triple black convertible, is IMO nuts). Hate the wheels.

and at least someone put the cart's wheels up in the mulch to keep it from running away

mjfloyd1

My FL house insurance has increased about 50% in the last few years. It is not $6k.

driver100

sda said:

@abacomike @driver100 @dino Are the stories in the news concerning insurance rate increases for home and auto, and companies no longer doing business in FL as bad as being reported? I think I read the average premium for home insurance is about $6k?

I think that figure is correct @sda and some sources say 1) Florida residents pay 4X the average in the U.S. and 2) there will probably be a 40% increase this year.

I can't give an exact answer in our case, we pay under $1000 but a major part of our insurance is paid through our homeowner fees.....the condo has insurance for common areas and for the exterior of our units.
There are some very expensive houses in Florida, and there are flood zones and that is going to add to the cost of insurance. Those issues don't affect us. I'm not sure if insurance is more or less for double wides etc. We live in an actual home, and we happen to be 35 feet above sea level which is very unusual for Florida. I'd estimate that between what we pay for interior insurance, plus the amount used for insurance from our common fees, we are paying under $2000 a year.

If we bought closer to the Gulf, we'd pay 3 or 4 times as much for a similar house, and insurance would cost 3 or 4 times as much...and I wouldn't want to live near the Gulf.....we prefer being in a non-tourist area inland.

driver100

jmonroe1 said:

driver100 said:

@jmonroe1
Quick update on the door that jams on the bottom.
"The Guy" put washers on the bottom hinge only, he said that hinge was not tight....that raised the side of the door that was drooping. Since it pushes the door over the door sticks a bit along the edge against the frame...he anticipated that but he said that is wood, and he can sand that down. The door is level across the top now.

————————————————
I thought you tightened the hinges. If you did and it came loose again there isn’t enough wood to hold it. On top of all that it doesn’t sound like the jam is plumb. If it stays put now, sanding will fix your door but if not you’ll be fixing it again. Keep an eye on the gap on the latch side of the door. If it changes too much your problem will return.

Good for you that you called the “guy”.

jmonroe

I am pretty sure the door frame is not plumb.....maybe it sunk or warped. It seems like a good idea to watch the gap at the top, it is pretty level now. "Our Guy" says sanding will be no problem. I'll let you know what happens.

roadburner

laurasdada said:

@roadburner: Here's one for your docket.
Right in his own garage... (my old hometown).

https://sfgate.com/news/article/westport-bayberry-lane-carjacking-suspect-18380853.php

The problem in that region is that the prosecutors either don't prosecute criminals or else let them off with a light or probated sentence.

oldfarmer50

roadburner said:

laurasdada said:

@roadburner: Here's one for your docket.
Right in his own garage... (my old hometown).

https://sfgate.com/news/article/westport-bayberry-lane-carjacking-suspect-18380853.php

The problem in that region is that the prosecutors either don't prosecute criminals or else let them off with a light or probated sentence.

My favorite quote was when he said “people bring me cars, I don’t know if they’re stolen”.
ALL of them?

dino001

sda said:

@abacomike @driver100 @dino Are the stories in the news concerning insurance rate increases for home and auto, and companies no longer doing business in FL as bad as being reported? I think I read the average premium for home insurance is about $6k?

Yes and it's getting worse. Progressive basically doubled my rate in a couple of years. No incidents, nothing. So single car high liability limits plus $500 coll/comp deductibles went from just above $700 to around $1400 for six months. Business news reported they had big losses and told their investors they'll be now ripping off whoever remains on their rolls, which means all I can expect from them is another 50 percent increase in April or October 2024. Got other quotes, a little better, but still much higher than I paid over all these years. I'm switching anyway. Not expecting great things in the future. Similar with my townhouse/condo insurance. This one I don't even try to switch, cause I can feel lucky to have any insurance. The premium is close to $1800 a year, that's just "dry wall in". My HOA carries "dry wall out" insurance, which I pay in my HOA fee (not sure the exact amount of premium in the $355 fee, probably it's majority of it, say $200 per unit, giving you about $2400/yr, i.e. combined $4200/yr for 3-bedroom townhome and rising. I'm sure I'll be seeing my HOA fee going up. So, yes six grand for a single house does not look outlandish to me at all in this context, if anything it can be too low in certain areas and not including flood insurance that you'd need if you live in storm surge hazard area.

But our enlightened governor would rather fight phantoms of (sometimes) real and imaginary wokeness, try to convince students that slavery brought some good things (like new trade skill sets to the affected), or set up bone fires with undesirable books that contaminate young minds (yes, this is an exaggeration for rhetorical purpose). That's so much more important and productive than some pesky insurance issues drowning the state. One day he decides to "take care" of the insurance issues, he passes some bill that only accelerates the exodus, because who cares about actual details. His MO seems to to be to write a bill in one afternoon on some petty insult that just angered him, pass it next day (wonders of easy legislation) and spend the rest of time in front of cameras interviewing for his next job, without much of success, btw.

imidazol97

Sitting at dealer waiting for diagnosis on oil leak from turbo oil return line.
They have pickups on frontline new and couple of SUVs. Lots of cars used have been bought in.

I can't find the bagels or chicken noodle soup.
We do have a charge station for phones, but one has to bring own cord. At least the one tire store I used had cords for various devices attached to the charger.

Pet peeve: wax buildup along bottom of metal door frames from power floor polishers that should be removed occasionally.

imidazol97

2000 pacecar Camaro from Brickyard 400 on floor. Topless? Anyone.

tjc78

@dino001

Wow $1800 for a condo is crazy high. I don’t pay that much for one single family home and a condo at the beach.

Now I guess I do pay for flood with our condo fees, but even so that’s $2600/6 or $435 a year additional

dino001

tjc78 said:

@dino001

Wow $1800 for a condo is crazy high. I don’t pay that much for one single family home and a condo at the beach.

Now I guess I do pay for flood with our condo fees, but even so that’s $2600/6 or $435 a year additional

Yeah, it was $700 not so long ago. I'd imagine townhouse costing more than other condo insurance, as it's a generally bigger property and has more items that can be damaged. I don't need to carry flood insurance, the risk is quite marginal for that.

Florida is in death spiral of of rate increases. Rampant fraud where every year they invent new ways to scam, more uninsured, more disasters, or to be precise disasters causing more widespread damage, whether they're actually more frequent can be disputed (we are certainly better in identifying and tracking hurricanes then we were even 30 years ago, not to mention 50 or 80) - we definitely have more areas where people live, which causes increase of likelihood of losses exceeding the benefit of increased number of people in the risk pool. We keep building in places we shouldn't (marshes, flood zones, unstable coasts, etc.) then everybody seems to be very surprised when Nature comes and takes back what is hers.

oldfarmer50

tjc78 said:

@dino001

Wow $1800 for a condo is crazy high. I don’t pay that much for one single family home and a condo at the beach.

Now I guess I do pay for flood with our condo fees, but even so that’s $2600/6 or $435 a year additional

You guys got me thinking so I looked at my records. Home insurance: $1484/year. It’s a farm insurance policy with a million dollar liability rider. Car insurance: $2756/year for four cars with liability of at least $500k. Two cars have full collision/comp, two have little value so just liability. I got lucky years ago and get renewed yearly not every 6 months.

stickguy

Makes mid-upstate NY look pretty good. Nothing really happens here other than an occasional snow storm and that’s usually just an annoyance. Homeowners is pretty cheap.

kyfdx

State Farm

Annually

$1750 homeowners
$2200 250K/500K auto insurance (3 cars, all with collision)

explorerx4

Just renewed our car insurance our car insurance with Progressive for 6 months. Max liability(250k I think) and collision($500 deductible?) for 3 vehicles. Paid a single payment of $535, saving over $100 instead of installments.

andres3

Insurance is a tough cookie to crack. It is said California has one of the more robust Departments of Insurance to help regulate and keep the insurance companies reigned in. My experience and observations tell me that the Insurance companies own and control the CA Dept. of Insurance at the top though. The "appearance" of regulation only.

There's no way reasonable humans would allow insurance companies to offer uninsured deductible waivers while EXCLUDING UNDER-insured deductible waivers.

That kind of shenanigan is deliberate and shows who is really pulling the levers.

tjc78

I know our homeowners policy is more than sufficient for replacement and liability. We pay $750 for a 4200 sq ft home in NJ. I wonder if it being fairly new has anything to do with it.

We actually pay a little more for our condo for less coverage than our primary.

Car insurance two clean drivers, two new vehicles with collision is $2400/ yr with Progressive. From the comments above I may be shopping that.

ab348

Speaking of insurance, I just witnessed the aftermath of a T-bone collision at a signalized intersection not far from my house. One road is a 4-lane, busy, with traffic moving at 30 to 35mph. The other cross street is a 2-lane, not particularly busy. The casualties were a new-model CR-V which delivered the blow with its front end to the drivers side midsection of a handsome-looking black Lincoln MKS. Airbags deployed in both. I think from what I saw of the MKS it might be a goner. The front of the Honda was flattened but it didn't seem to go in very far. It looked as though the MKS scraped along the front of the Honda since it had damage from part of the front fender and both drivers side doors to the rear quarter.

sda

ab348 said:

Speaking of insurance, I just witnessed the aftermath of a T-bone collision at a signalized intersection not far from my house. One road is a 4-lane, busy, with traffic moving at 30 to 35mph. The other cross street is a 2-lane, not particularly busy. The casualties were a new-model CR-V which delivered the blow with its front end to the drivers side midsection of a handsome-looking black Lincoln MKS. Airbags deployed in both. I think from what I saw of the MKS it might be a goner. The front of the Honda was flattened but it didn't seem to go in very far. It looked as though the MKS scraped along the front of the Honda since it had damage from part of the front fender and both drivers side doors to the rear quarter.

Racing through a red light?? It gets worse everyday!

dino001

explorerx4 said:

Just renewed our car insurance our car insurance with Progressive for 6 months. Max liability(250k I think) and collision($500 deductible?) for 3 vehicles. Paid a single payment of $535, saving over $100 instead of installments.

These used to be my rates

explorerx4

Good news! Honda is building a 5 liter(302 CI) V8. Bad news, it's marine engine.
https://www.msn.com/en-us/autos/news/honda-finally-built-a-v-8-engine/ar-AA1h6PIt?ocid=hpmsn&cvid=0db41af6beac4dceaf23eca61dd1e2c5&ei=26