Obviously I'm joking lol

Plenty of nice people in NJ, I'm related to most of them my marriage

 

Yea, Ive noticed this unique phenomenon also. My car moves slightly to the left if someone is trying to pass on the left. Most of the time it is involuntary, which is pretty scary if you think about it. The only explanation I can think of is that we don't like being passed. In a capitalist country, being passed can make us feel inadequate. Maybe that's a reason why so many people drive trucks unnecessarily?

Anyways, many thanks to the folks who've participated in this thread. As you can see, many people don't like to drive slow for whatever reasons. I am also a consultant to many insurance companies. My original question, 5-10mph over or go the speed limit, is meant to probe your mind on how you view safety. Obviously, those who prioritize safety have a much lower insurance rate. I use these questions to put people into certain insurance premiums instead of going by age. Because, as you can see from this thread, age isn't the teller of how the mind works. Some insurance companies have tracking devices that measures how fast you are going but those aren't accurate either. The best form of measurement is getting people to talk so that you can see inside to their minds. Aside from Mmarshell, a lot of you would have failed the test.

 

How would the insurance company know what we think?

My insurance rates have never been based on "how my mind works".

 

By seeing how you answer very specific questions, duh. It's pretty simple. I question you to see how much you understand a subject. W'eve been doing this since grade school, lol

No? It will be. Most insurance go by driving record, age, area, and income. Add education and mental standings to that list - thanks to me.

 

As an older adult, probably not. But teenagers and young adults, especially males, pay high rates for a reason...their mind often likes to drive aggressively and get into accidents. I was a careful (by teen-standards) driver, yet I paid notably higher rates than I do now, simply because many of my colleagues liked to drag-race and do other dumb stuff that I generally avoided.

 

In a way, car insurance is meant to be "untouchable." I was trained since 16 y.o., that you can't use it. If you do, you will be canceled. So don't use it.

One day, we wake up middle aged, and realize, heck, I haven't had a claim in 20 years, yet I've been paying all that money, for what?

Suddenly, we have an accident that costs $2k, and now insurance raises our rates, for one mistake! Can't be, the commercials say they don't do that and they are looking out for us as people! Shoot...the sick part about it is health care is trying the same now. Gosh I don't like insurance...

My sis in-law works for a large insurance co., and was scheduled for a conference in London. Say what? Those woonsocket ri folks said oh no you don't. Ain't hostile takeovers a *****!? They try to get rid of unnecessary and extravagant expenses. dang!

 

That doesn't really matter. You are required by law to have insurance. Try finding a better insurance company that won't rip you off and is actually looking out for you.

 

Won't drop any names, but since I've had one claim in 20 yrs., other than one windshield (2 claims), it's hard to say with certainty, but they all seem bad, and the commercials fake.

What is interesting, is, after the accident with the BMW loaner, the hands people were able to match the lizard people pre-accident. Yet with the lizard I was a safe driver clean record. Just find it interesting how by selling a concept, something nobody can ever use, they can work backwards to the result. I want to pay x, and you shall!

 

 

We all realize that ins. cos. exist to make money, that's fine. I think it's the "how much money" that we have a problem with.

Life insurance and annuities have always been used to demonstrate the shy aspect of insurance.

With life insurance, interests are aligned with the insured. You want to live as long as you can--the insurance co. does as well. Because they are collecting a premium for which there will be no payout. But, in case the actuaries miscalculate, they charge you a mortality risk expense built in to the premium, in case you die too soon.

Now, if you have an annuity, it is not in the insurance co's best interest for you to keep living a long time. Now the interests are in opposition. Again, actuaries have determined and projected how long you will likely live, but, you guessed it, in case you live too long and beyond their projections, they are charging you a mortality risk expense, built into the product, in case you live too long.

I call the above the get you coming and going conundrum. Others call it something else. If you feel lucky, don't buy either product, but prudent people do buy term life insurance. And when they live to 85 or 100, well, guess who wins!

 

Sure, so its a qualified program. You would be qualified to take the test if you like. If you pass, you would be put into a different bracket. Its so that we can separate you from the good and bad drivers so that we can make decisions based on these hard, accurate facts. As you may know, a clean driving record doesn't mean ****. It can mean that officers are not doing their job or that one may have hired a lawyer to remove the infraction.

I know I mentioned mind probing and that may sound invasive. But this is all for safety and the questions are all about your understanding of a certain subject. Otherwise asking about other things may be illegal. The mark of a truly 1st world country is the level of safety and care for all life. I am passionate about making my home a safer place. That's all.

 

 

Lol whatever man. So what do you do if someone hits ur LS and they have no insurance!

 

I disagree with it being about "your mind". You can't argue with results though. People with fewer traffic violations and fewer accidents should have lower premiums, particularly the accidents. If a person is consistently getting in accidents, something tells me they are going to continue doing so unless they have an intervention.