I hate insurance companies

Discussion in 'Archived Threads 2001-2004' started by Van Patton, Dec 6, 2001.

  1. Van Patton

    Van Patton Second Unit

    Joined:
    Jun 27, 2001
    Messages:
    456
    Likes Received:
    0
    Trophy Points:
    0
    Well today my parents get our insurance bill for the next pay term. $2200.00 for 6 months!!!! I hate this bullshit. I'm 16 and have 2 tickets (out of the 5 tickets in my family they're ALL from the same city..ie...they have nothing better to do than write tickets). I also have 1 wreck where I hit this redneck at around 5 mph. This new insurance plan pisses me off so much. I can't drive any other car other than mine until I'm 19. This whole concept of tickets and insurance rates makes me want to scream. Both of my tickets were in the middle of nowhere....nobody around....1 in the morning. This has made me lose a lot of respect for the police. Why the hell do they spend their time making life hell for us when they should be busting criminals??? I am not a bad driver because I have 2 tickets.
     
  2. Mark Dubbelboer

    Mark Dubbelboer Screenwriter

    Joined:
    Oct 6, 1999
    Messages:
    1,008
    Likes Received:
    0
    Trophy Points:
    0
    Van, I'm in the same boat as you.

    I got two tickets and a car wreck and up until this year i paid that much in car insurance too.

    It's pretty freakin' hard to pay my insurance bill and my tuition but you have to see where the insurance company is coming from.

    I mean they don't really want to ensure you because you're definitely a high risk to them. the only way they can justify insuring you is thru the high premiums. I know personally it has totally affected the way i drive, and i'm kinda glad it did.

    btw my tickets were both between 2-3am with no other cars on the road.
     
  3. Dan Hine

    Dan Hine Screenwriter

    Joined:
    Oct 3, 2000
    Messages:
    1,312
    Likes Received:
    0
    Trophy Points:
    0
    So in other words the law doesn't apply at certain places during certain times? Sorry, I think you'll have to come up with a better excuse than that. You broke a law, whether you like the fact that it is a law is neither here nor there. You broke a law and that kinda does make you a criminal. So they busted you. I want to feel for you, I really do. But at 16 with two speeding tickets and a wreck...well, maybe with this insurance bill you'll start driving a little more conservatively. Sometimes we learn by getting kicked in the balls. Happens to us all.

    Dan Hine
     
  4. Julie K

    Julie K Screenwriter

    Joined:
    Dec 1, 2000
    Messages:
    1,962
    Likes Received:
    0
    Trophy Points:
    0
    This is the perfect time to learn to drive more responsibly. You're off to a real bad start at 16, two tickets, and a wreck.
     
  5. Charles J P

    Charles J P Cinematographer

    Joined:
    Aug 19, 2000
    Messages:
    2,049
    Likes Received:
    2
    Trophy Points:
    0
    Location:
    Omaha, NE
    Real Name:
    CJ Paul
    I agree, I am only 23, but I think its a little immature to make a comment like your not a bad driver when you have two tickets and a wreck in your first year of legal driving. It seems like a lot of people are coming down on you here, but a ticket is a ticket. I grew up in a town of less than two-hundred people, so all my tickets were in the middle of no where when no one was around, but I didnt act like I got screwed when I got busted. Actually, quite the contrary. I once got pulled over doing 130 in a 55 and the officer wrote the ticket for 10 over so that he wouldnt have to take me to jail.
     
  6. Alex Spindler

    Alex Spindler Producer

    Joined:
    Jan 23, 2000
    Messages:
    3,971
    Likes Received:
    0
    Trophy Points:
    0
    130 in a 55 as a young driver. Must have been fun till the light show [​IMG]
    Sorry pal, but you won't find a great deal of sympathy. You're just fulfilling the stereotype all of us young unmarried males are saddled with - irresponsible speeders. Heck, I know I am and I'm 26. Keep your nose clean until you're 21. You probably won't see a drop in rates till then.
     
  7. Charles J P

    Charles J P Cinematographer

    Joined:
    Aug 19, 2000
    Messages:
    2,049
    Likes Received:
    2
    Trophy Points:
    0
    Location:
    Omaha, NE
    Real Name:
    CJ Paul
    I guess my point was, at that time I thought it was fun, but now I realize that if I would have lost control, my chances of winning the lottery would be better than my chances of surviving a car wreck at 130mph
     
  8. Holadem

    Holadem Lead Actor

    Joined:
    Nov 4, 2000
    Messages:
    8,967
    Likes Received:
    0
    Trophy Points:
    0
     
  9. Scott Strang

    Scott Strang Screenwriter

    Joined:
    May 28, 1999
    Messages:
    1,145
    Likes Received:
    4
    Trophy Points:
    0
    Insurance company executive attitude activated;

     
  10. PatrickM

    PatrickM Screenwriter

    Joined:
    Aug 10, 2000
    Messages:
    1,138
    Likes Received:
    0
    Trophy Points:
    0
     
  11. Joseph S

    Joseph S Cinematographer

    Joined:
    Dec 23, 1999
    Messages:
    2,862
    Likes Received:
    0
    Trophy Points:
    0
     
  12. cafink

    cafink Producer

    Joined:
    Apr 19, 1999
    Messages:
    3,043
    Likes Received:
    37
    Trophy Points:
    0
    Real Name:
    Carl Fink
     
  13. nolesrule

    nolesrule Producer

    Joined:
    Aug 6, 2001
    Messages:
    3,084
    Likes Received:
    0
    Trophy Points:
    0
    Location:
    Clearwater, FL
    Real Name:
    Joe Kauffman
    I'm 25. I've gotten 3 tickets, all of them after I turned 21. One was for a wreck that wasn't even my fault, but the lady in the big Dodge Ram that hit my Civic told the FHP guy that her husband was a cop, so I'm the one that got nailed. Fortunately the insurance company settled that one.

    The second ticket was 6 months later for doing what the lady in the Dodge Ram had been doing when she hit me. I figured because she didn't get the ticket in the wreck, I'd be ok as long as I didn't hit any cars. Stupid.

    The third was for not paying attention to a decrease in the speed limit. On a stretch of interstate I drive nearly every day, it was a new sign, because they were getting ready to start some long term road construction. Still don't know how I missed it.

    Anyway, I paid all 3 because that's life. When you screw up, you pay the price.

    You didn't state what you got your ticket for at 1am, but it was probably for excessive speeding. That can be dangerous, even when no one else is on the road.
     
  14. DaveF

    DaveF Moderator
    Moderator

    Joined:
    Mar 4, 2001
    Messages:
    18,957
    Likes Received:
    1,897
    Trophy Points:
    9,110
    Location:
    Catfisch Cinema
    Real Name:
    Dave
    There are a few general rules that are worth knowing:
    1) The further out in the boonies you are, the greater the chances of getting speeding tickets (or similar) for minor infractions.
    2) Just a ticket or two, or a single accident, drive insurance rates up. Wait 'til you have to pay for your own insurance! Then you'll really feel the pain.
    3) A 16 yr old driver with 2 speeding tickets and an accident, complaining about the high insurance rates his parents pay and claiming he didn't deserve it will get no sympathy from older drivers who: a) know rules 1 & 2 b) pay their own insurance c) were 16 once and know that he really did deserve it [​IMG]
    4) There is no Rule 4)
    Drive the speed limit, especially in the sticks, even late at night, and you won't have to worry about speeding tickets. Avoiding accidents mostly requires common sense and attention to the road (and not the hot babe in your rearview mirror), and some luck.
    Take defensive driving lessons, to help reduce your insurance rates a bit.
    Drive without accident or ticket for five years to have your insurance rates go back to normal.
     
  15. Richard Cooper

    Richard Cooper Stunt Coordinator

    Joined:
    Mar 21, 2001
    Messages:
    132
    Likes Received:
    0
    Trophy Points:
    0
    My insurance went up 25% this year (and after shopping around, most other companies had gone up 30%). Ok, touch wood, I've never had a ticket, never had a smash, and only ever been pulled over once, for something someone else did (got a 7-day wonder, but that of course doesn't get declared).

    When I asked why my insurance had gone up 25% (I'm already at full no-claims, so no extra discount) the response was 'the worsening claims experiance'. I don't understand why I get stung as well as those who claim. I'm 24, and I gather that the next risk-drop is when I'm 25.

    What do I blame for it? These stupid companies that have appeared over the last two or three years in the UK that 'specialise in blame'. Basically, if you've been in an Accident, they sue the person 'responsible' for you. Their insurance has to pay up, putting everyone else's up.

    I think The Eagles summed up my feelings with 'Get over it'.

    Ok, I'm sure (law of averages etc.) that one day I may well have to claim, or be claimed against, but that's why I have a protected no-clamis bonus.

    OOOh! It drives (pun intended) me mad!
     
  16. Drew Bethel

    Drew Bethel Screenwriter

    Joined:
    Nov 22, 1999
    Messages:
    1,209
    Likes Received:
    0
    Trophy Points:
    0
    Buy a radar detector...it'll save you money in the long run!
     
  17. BrianB

    BrianB Producer

    Joined:
    Apr 29, 2000
    Messages:
    5,205
    Likes Received:
    1
    Trophy Points:
    0
     
  18. AdrianJ

    AdrianJ Supporting Actor

    Joined:
    Apr 1, 2001
    Messages:
    532
    Likes Received:
    0
    Trophy Points:
    0
    I'm surprised that your parents haven't taken away your license yet! After 2 tickets and an accident in your first year of driving, I would have to wonder if you are ready for the responsibility of driving. You are not guaranteed a right to drive. It is a priviledge and you have to prove that you are responsible enough to deserve the priviledge. It sounds to me that you haven't done anything except for prove that you don't deserve it!
     
  19. Trey Fletcher

    Trey Fletcher Second Unit

    Joined:
    May 17, 1999
    Messages:
    354
    Likes Received:
    0
    Trophy Points:
    0
    I agree Adrian. When I was 16 (I'm now 27), my parents paid my car insurance with the understanding that it would become my responsibility in the event of a ticket. So what did I do? Made sure I didn't get a ticket. Must admit that I still drove like an ass though...
     
  20. Patrick Sun

    Patrick Sun Studio Mogul

    Joined:
    Jun 30, 1999
    Messages:
    38,777
    Likes Received:
    492
    Trophy Points:
    9,110
    Conversely, I'm inclined to believe that insurance companies don't like irresponsible drivers who are racking speeding tickets and causing wrecks at the tender age of 16. [​IMG]
    Way back when, I had one ticket at 16, and then another 17. I cooled down my driving, but did get into an accident my senior year in high school. I was not a pretty picture of driving safety in my youth either. I picked up my last (knock on wood) ticket when I was around 22 on my way home for the holidays. It's been 13 years since that last ticket, and I do drive very conservatively nowaday, hovering around 5mph over the state speed limits on the highways, and going with the flow in town.
    To me, I've conditioned myself to not drive like I'm in a hurry to get anywhere because whatever time you shave off your driving time isn't worth the points on your license, nor the cost of the ticket/hassle.
     

Share This Page