The myth of insurance.

know1

Ahnimus wrote:

Money grab.

Car Insurance is mandatory. I've never had an accident. For the amount of money I would save ($200/month) not having insurance, I could easily pay for any damage I might cause if I ever cause an accident.

But so far, I've been able to avoid accidents. A few times I'm almost positive my car physically passed through another car or vice versa. But none of that was even my fault.

If you've never had an accident, why is your insurance so high? That's $2400 a year. I pay less than $750 per year with full coverage.

Cosmo

know1 wrote:

If you've never had an accident, why is your insurance so high? That's $2400 a year. I pay less than $750 per year with full coverage.

...
It all depends upon how old you are, how long you've been driving, the type of car you drive, where you live, how far your daily commute to work is, whether the car is kept in a garage or not and the number of miles you roll up annually.
If you are a 42 year old woman who has been driving with a clean record and drives a 2000 Volvo Wagon to and from her school teaching job 2.5 miles from her home in the suburbs of Pleasanton, CA... you will be paying a lot less than the 18 year old male College Student who drives a 1992 Mustang GT 22 miles from Long Beach, CA. to Cal State Los Angeles.

RavennaSeattle1911

Cosmo wrote:

...
Boy... you really hate those people, don't you? I mean really REALLY HATE them.
None of us are going to be surprized when we read about you pulling off one of them San Ysidro McDonalds episodes... none of us. When they ask me... I'm gonna say, "I'm surprized it took him this long".

what an asshole thing to say

you wont talk about the issue just attack me

who hear agrees with this nonesense ?hes crazy!!

RavennaSeattle1911

http://www.wsp.wa.gov/crime/wanted.htm

Cosmo

RavennaSeattle1911 wrote:

http://www.wsp.wa.gov/crime/wanted.htm

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Why don't you tell the rest of your story...
http://www.wsp.wa.gov/crime/arrested.htm
...
The pictures you on the page you list to show your point of view are of Hispanics and Whites and proves nothing other than the fact that you hate Mexicans... nothing in that page says anything about their immigrant status. For all we know... they are all naturalized U.S. citizens of Hispanic background.
And yeah... I want them caught and brought to justice... I want them ALL caught... the Hispanics, the Whites, the blacks... all of the fugitives... not for the sake of their race, but because they are fugitives.
...
Here are some more faces of Hispanics and others you can mill about... think about them and your hatred for Hispanics
http://www.cnn.com/SPECIALS/2003/iraq/forces/casualties/
Make sure you check out the Gonzalez and Rameriz pages so you can spit on them, too.

RavennaSeattle1911

Cosmo wrote:

...
Why don't you tell the rest of your story...
http://www.wsp.wa.gov/crime/arrested.htm
...
The pictures you on the page you list to show your point of view are of Hispanics and Whites and proves nothing other than the fact that you hate Mexicans... nothing in that page says anything about their immigrant status. For all we know... they are all naturalized U.S. citizens of Hispanic background.
Here are some more faces of Hispanics and others you can mill about... think about them and your hatred for Hispanics
http://www.cnn.com/SPECIALS/2003/iraq/forces/casualties/
Make sure you check out the Gonzalez and Rameriz pages so you can spit on them, too.

i dont drive drunk, or drive with no insurance, or spit on people -all those things are crimes

ok ignore the fact illegals drive with no insurance and flee back to mexico and mexico has no extradiction treaty with usa and they arent returned for trial

if you were hit by one maybe you would get mad -im sick of arguing as if i beleive mexicans are inherently inferior -there are good and bad people in all groups -the damn whites also suck, they make the laws that allow this crap to continue

bush and his war suck

soldiers died, you gave me the link-well god bless them no mater what race they were

slightofjeff

Is spitting on someone really a crime?

RavennaSeattle1911

http://en.wikipedia.org/wiki/Roberto_Alomar

theres this case
i wonder how often people do it to employers etc

but because hes a ball player he paid a few bucks and got off
million dollars to him is like 50 cents

Cosmo

RavennaSeattle1911 wrote:

i dont drive drunk, or drive with no insurance, or spit on people -all those things are crimes

ok ignore the fact illegals drive with no insurance and flee back to mexico and mexico has no extradiction treaty with usa and they arent returned for trial

if you were hit by one maybe you would get mad -im sick of arguing as if i beleive mexicans are inherently inferior -there are good and bad people in all groups -the damn whites also suck, they make the laws that allow this crap to continue

bush and his war suck

soldiers died, you gave me the link-well god bless them no mater what race they were

...
Exactly, What were you trying to prove here? That Only Hispanics drive drunk? That All Hispanics are here illegally? WHAT? You flood this place with your hatred for Illegal Immigrants... what other conclusion are we supposed to come up with? Okay, we get it... you don't like them... you hate them. Just be a fucking man and come out and say it.
And if... as you say... they drive drunk and flee back to Mexico... you should be glad because it means they won't be coming back... right? And there are no White uninsured motorists? No black unisured motorists? No Asian, Arabic, Hindu, Native americans that drive without insurance? What point are you trying to make, other than solidifying your hatred towards Hispanics?
Yeah... Mexicans drive drunk... people drive drunk. I can get hit by a white drunk driver or a black drunk driver or a Mexican drunk driver... but, I am not going to hold their entire race accountable for one individual's actions. I'm going after the drunk mother fucker who hit me.
Not all Hispanics are Illegals... many of them lead productive lives that contribute to our society... and some have died wearing the uniform of our country. They all have moms and dads, brothers and sisters, sons and daughters... whom I can easily picture in the crosshairs of your jaundiced eye that piles them all in the Illegal Immigrant pit. Which really makes me angry.

jeffbr

desandrews wrote:

It's all about the frequency of accidents and the severity of those accidents when they occur. It's not about absolute dollars, it's percentages. So it doesn't matter if more guys drive than girls, on a percentage basis guys cost more than girls even when you take into consideration the fact that there are more guys on the road.

These are social issues and it's a slippery slope. Society didn't like when companies started first differentiating by gender, but now they're pretty used to it and it's not that big of a deal. Differentiating by race, watch out! Credit's out there now in use, but people hate it.

It has nothing to do with bias or predudice. Actuaries are driven strictly by numbers and statistics to determine risk, and based on risk to determine premium rate.

Cosmo

RavennaSeattle1911 wrote:

http://en.wikipedia.org/wiki/Roberto_Alomar

theres this case
i wonder how often people do it to employers etc

but because hes a ball player he paid a few bucks and got off
million dollars to him is like 50 cents

...
http://en.wikipedia.org/wiki/Romanowski
Excerpt: " ...in the second, Romanowski spat in the face of 49ers wide receiver J.J. Stokes in a regular-season game played in December on a Monday night in response to Stokes' taunting;..."
....
Let's toss Polish dudes in the Illegal Immigrant pile, too.

RavennaSeattle1911

Cosmo wrote:

...
Exactly, What were you trying to prove here? That Only Hispanics drive drunk? That All Hispanics are here illegally? WHAT? You flood this place with your hatred for Illegal Immigrants... what other conclusion are we supposed to come up with? Okay, we get it... you don't like them... you hate them. Just be a fucking man and come out and say it.
And if... as you say... they drive drunk and flee back to Mexico... you should be glad because it means they won't be coming back... right? And there are no White uninsured motorists? No black unisured motorists? No Asian, Arabic, Hindu, Native americans that drive without insurance? What point are you trying to make, other than solidifying your hatred towards Hispanics?
Yeah... Mexicans drive drunk... people drive drunk. I can get hit by a white drunk driver or a black drunk driver or a Mexican drunk driver... but, I am not going to hold their entire race accountable for one individual's actions. I'm going after the drunk mother fucker who hit me.
Not all Hispanics are Illegals... many of them lead productive lives that contribute to our society... and some have died wearing the uniform of our country. They all have moms and dads, brothers and sisters, sons and daughters... whom I can easily picture in the crosshairs of your jaundiced eye that piles them all in the Illegal Immigrant pit. Which really makes me angry.

pure bullshit
i have perto rican friends and nephew is mexican and im part native american

stop throwing insults at people you dont know

its true illegals drive more without insurance and the banks and goverment gives them homeloans or so i hear

if so, some just want to stir up hate by giving some extra rights-blame the establishment

i really dont blame illegals in trying to come here -i blame the establishment and nafta

illegals are like little children and some are scum i guess

i dont see them all the same-they have different vibes

this forum is beggining to booorre me!!

RavennaSeattle1911

in any case i myself , wouldnt try spitting on even a 5foot peurto rican in new york city

lol

Cosmo

RavennaSeattle1911 wrote:

pure bullshit
i have perto rican friends and nephew is mexican and im part native american

stop throwing insults at people you dont know

its true illegals drive more without insurance and the banks and goverment gives them homeloans or so i hear

if so, some just want to stir up hate by giving some extra rights-blame the establishment

i really dont blame illegals in trying to come here -i blame the establishment and nafta

illegals are like little children and some are scum i guess

i dont see them all the same-they have different vibes

this forum is beggining to booorre me!!

...
Have you ever read any of the stuff you post around here? Maybe you should. They always seem to center around how Illegal immigrants are horrible... horrible people.
They come here and take our jobs and get free health care and home loans... well, if THEY can get all of this great stuff for free... why don't YOU? I mean, it sounds like "The Government" just hands this stuff out... but, only if you are here illegally. Then, why don't you renounce your citizenship and stay here illegally and enjoy the fruits of gainful employment, free heath care, free home loans, no insurance and all that other great stuff? The American Dream is here for you.. as long as you are here illegally... right?
...
Oh... wait... no... they try to stay out of the spotlight... below the radar. Because if they surface, there's the threat of the INS coming to give them the bus ride back to T.J. They can't apply for a home loan because they have no legal standing... so, they live 5 families to a home to split the rent and save money. No bank accounts... maybe that's the reason you always seem to see those Check Cashing businesses in heavily Hispanic neighborhoods.
And if you feel I am coming down hard on you... I am. I know more than one Puerto Rican guy. I know a LOT of Hispanics. Good people... hard working people. I can imagine people like yourself... picturing them as outsiders... in this country illegally... as they speak Spanglish to each other... having a beer and some tacos after work... at the same place I work... at a gigantic corporation... that builds stuff for the Air Force... that requires Department of Defense Clearances... American Citizens. Yeah... that shit pisses me off... and I'll let you and others know it.