yea theres a youtuber with an F430 in Texas who pays only 400$ more per year than i do for my g37x in NJ. 100,000$ car vs prob a 30,000$ car in current value.
It also varies greatly depending on how much coverage you carry. "Full coverage" means nothing, and is a generally accepted misnomer for carrying some degree of comprehensive and collision coverage. I could lower my monthly payments to less than $75/mo, but that would require me to carry high deductibles and lower my coverage to state minimums. It is stupid, bordering on criminally negligent to carry state minimums, and can open you up to a world of lawsuits if you cause a serious enough accident.
Basically that. There is so much that goes into someone's insurance rates.
I agree with that completely. People will have minimum coverage with 5k deductibles, and think they are getting a deal. Until they crash, and that lawsuit really shows them how good the coverage was.
If you don't support no fault insurance you have no idea what it's like to be on the end of frivolous lawsuits.
That's why you have insurance indemnify you with a high liabilitycoverage. Additionally, you can get an umbrella insurance policy for very cheap if you so choose as a second line of defense. Like 100/year cheap. Still overall cheaper than a no fault state.
I can assure you they can still go directly at you. No fault states set various limitations on personal lawsuits that at fault states do not. This makes it very easy to get your pants sued off regardless of your coverages.
Not if you don't have enough coverage.
They can go after you above and beyond what your insurance will cover and what you are liable for. No fault stops them from doing that.
Uhh. Umbrella insurance...like I already said.
Yes they do, they advertise free frivolous lawsuits on TV and radio all night long. I know several people who have been on the receiving end of those type of suits. You need to become familiar with how the legal system operates.
Yeah I'm pretty familiar with how things work and it sounds like you think some neck pain after an accident is a million dollar deal.
It happens all the time, with great success.
Is that what your legislator told you? Said hell fight your fights?
No, that is the fact. Not only is my friends parents lawyers who practice specifically personal injury, but I know several people who have been blasted for tens of thousands of dollars on top of the hundreds of thousands that were already paid.
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