However, there's nothing as extreme as the 7 year thing in motion.
Rates generally go like this: if you drive without accident for a year, you get 10% off each year, up to a maximum of around 60% (varies with insurer) and various other perks.
Cause an accident, though, and you lose all discounts.
Cause an accident without a discount, and you get a 20% hike. It disappears after a year of accien
It's pretty expensive that way, but fair IMHO.
I think that sounds fairer. I'd have to know how the money works out in math. If you don't end up paying many thousands a year for lots of years then in general I would say yes.
See what happened to me way back when is an example of how in my opinion I got screwed. I had one personal at fault accident. At least it was automatically classed as that. I was driving home when we were hit by an extremely windy storm and at one point a tremendous gust shoved my car to the right suddenly after just making a right turn up a small street. It hit the beginning of the curb and the car flipped on it's side. It happened so fast I still don't how it was possible. The cop who came made me blow a breathalyzer and thankfully I didn't have anything to drink. He was probably suspicious how it happened. I was just as baffled.
So in any event, there was some moderate damage costing a few thousand I believe. Any accident just involving your own vehicle is automatically considered "your fault". So that was one and I believe they still raised the rates but can't remember to what.
A year later someone I was dating "borrowed" my car, and I use that loosely because I was actually being extorted and threatened with being outed by this individual. Very bad scene I endured for years, but in any event at times he would take my car even without my express permission. In retrospect I should have used that to charge him, but oh well. In any event it doesn't really matter because they fall under your insurance unless you DO charge them, so when he had a small accident, it was attributed to me.
The disgusting part of this is he just bumped a woman's bumper. The driver said it was a tap, no damage to the car, but her passenger complained. The bitch pulled the "Oh my neck" bullshit and put through a claim against my insurance for chiropractic and all the other dressed up jazz. I even spoke to the lady driver who basically admitted her friend was just taking advantage of the situation, but what the hell can you do?
So there I was with 2 "at-fault" accidents, and two would show for 6 years. My insurance was about $277 a month for all that time. Oh the last year when only 1 showed it dropped down to about $180 or so I believe..
So all together I paid a good $18,000 in car insurance for 6 years. Does anyone here think that's even REMOTELY fair based on not only circumstance of accidents but the actual cost incurred by the insurance company? They made a huge fucking profit off me. So besides all of the people who are paying premiums that never make claims, they get above and beyond that by extorting far more then the grand majority of claims cost them. Now do some of you understand why I think it's a rip off racket?
You have to realize that most Christian "moral values" behaviour is not really about "protecting" anyone; it's about their desire to send a continual stream of messages of condemnation towards people whose existence offends them. - Darth Wong alias Mike Wong
"There is nothing wrong with being ignorant. However, there is something very wrong with not choosing to exchange ignorance for knowledge when the opportunity presents itself."
