61–70 of 79 posts
Making cars a requirement for participating in society, across all socioeconomic levels, was a mistake. Now, lacking a car can put people into economic crisis. We can correct this by investing in public transportation and getting rid of government-provided free parking.
is that accurate? Here in Germany minimal Kfz-Haftpflichtversicherung is I believe 7 million in personal injuries and 1 million in property damages. So if a broke guy in the US runs you over and causes you half a million in health damages, puts you out of work and totals your car you'll get 30k from their insurance? How can you legally let people on the road like this
Earlier quoted context omitted.
So why is someone who is not an employer, subsiding other employers in their purchase of employee insurance?
What does that even mean? The insurance is for the person who gets a hand cut off in an industrial accident. It's not for the employer.
Making cars a requirement for participating in society, across all socioeconomic levels, was a mistake. Now, lacking a car can put people into economic crisis. We can correct this by investing in public transportation and getting rid of government-provided free parking.
In the US. Rest of the world has functioning public transport.
Making cars a requirement for participating in society, across all socioeconomic levels, was a mistake. Now, lacking a car can put people into economic crisis. We can correct this by investing in public transportation and getting rid of government-provided free parking.
If people can’t afford to pay for an accident then they should not be driving
Mark my words, in 2036 this story will read like a blast from the past. I read somewhere on this site recently that Waymo is about 9x safer than human drivers, and that number isn't going anywhere but up. What accidents remain will mostly be the responsibility of self driving car makers and fleet operators, and those don't deal with strip mall insurance agents. Please join me in a moment of silence for the dissolving…
> In-car dongles that track jerky driving, crash event recorders, and driver monitoring systems now let an insurer observe behavior directly and price it. Uh, but not in California, because of 1988's Prop. 103. Telematics for insurance pricing are completely unavailable in California.
You basically need to insure yourself when using US roads. Forget the ridiculous minimum coverage requirements, a huge percentage of Americans drive around with no insurance whatsoever -- 20% or more in some states.
lol as a Canadian my insurance company recommends the maximum civil liability coverage (2 million) if one plans to drive in the US. Those lawsuit-happy Americans and their private health care systems haha.
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You can get $3M-$5M in personal liability umbrella coverage (“plup”) for under $1k/year, but have to max out the underlying policy limits first.
And to add, you're already close to maxing out the underlying limits by default as required by auto lenders. If not financing, you should still...get similar levels to add umbrella. For the parent, an extra 1M umbrella is an extra $2-300/y and covers beyond auto!
You basically need to insure yourself when using US roads. Forget the ridiculous minimum coverage requirements, a huge percentage of Americans drive around with no insurance whatsoever -- 20% or more in some states.
In Sweden if you register a car and have no insurance you're automatically on the governments but it's 3x more expensive than normal.