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Posting-Version: version B 2.10.2 9/17/84; site hao.UUCP
Path: utzoo!utcs!lsuc!pesnta!hplabs!hao!woods
From: woods@hao.UUCP (Greg Woods)
Newsgroups: net.consumers
Subject: Re: Auto Insurance for Bad Drivers
Message-ID: <1385@hao.UUCP>
Date: Wed, 6-Mar-85 11:55:56 EST
Article-I.D.: hao.1385
Posted: Wed Mar  6 11:55:56 1985
Date-Received: Fri, 8-Mar-85 11:24:42 EST
References: <8875@brl-tgr.ARPA>
Distribution: net
Organization: High Altitude Obs./NCAR, Boulder CO
Lines: 36


  Firstly, I am 100% convinced that auto insurance is a total rip-off. In
theory, it is designed to minimize the overall cost of accidents for *all*
drivers. In practice, it seems designed to maximize profit for the insurance
companies. Have you ever compared rates between the various "top-line" or
between so-called "sub-standard" companies? There is virtually no difference
in rates and coverages offered, except for these two categories, which are
based on whether the company is willing to insure "high-risk" drivers or not.
The only real difference would seem to be the service offered by your local
agent, and even that may vary tremendously between one agent and another for
the same company.



   Secondly, as one in the "high-risk" category, I really resent being called
a "bad" driver. In my case, I had one alcohol-related accident over three years
ago, and they are still calling me a "high risk". It's bullshit. My record has
been completely spotless since then, which is more than I can say for a lot
of people I know who are not so classified. Many of my friends drive much more
aggressively and (in my opinion) unsafely than I do as well. I'd consider it
much more of a risk to ride with some of *them* than with *me*, yet it's I who
ends up paying out the ass. Their ratings are just an excuse to blatantly rip 
me off.



  There. That felt great!

--Greg
-- 
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