Self insure?

[Yadkin]

Since RA#4 I'm seriously considering self-insuring for comprehensive and collision on my daily drivers. The Porch was paid off 5 months after I bought it and the Ranger I just wrote a check, so no bank can force me to insure.

[GTOguy]

Just make sure you have coverage for liability. I have regular insurance on the Tundra but collectible insurance on the rest of my vehicles.

[vettemed]

Liability is the big expense in car insurance, at least here in FL. I tried to drop collision and fire/theft and it was like $90/6 months savings.

[Yadkin]

Just make sure you have coverage for liability. I have regular insurance on the Tundra but collectible insurance on the rest of my vehicles.

"Compulsory" insurance includes liability. Plus I have a rider on my homeowners.

The classics will continue to be insured for comp and collision regardless, since that is so cheap.

[MadInNc]

"Compulsory" insurance includes liability. Plus I have a rider on my homeowners.

The classica will continue to be insured for comp and collision regardless, since that is so cheap.

Gov says;

[LATB]

From the google:

Yes, you can self-insure your car in North Carolina if you meet certain requirements:
You must be the registered owner of more than 25 vehicles
You must obtain a certificate of self-insurance from the Commissioner
You must provide proof of at least $205,000 in collateral

[Yadkin]

From the google:

Yes, you can self-insure your car in North Carolina if you meet certain requirements:
You must be the registered owner of more than 25 vehicles
You must obtain a certificate of self-insurance from the Commissioner
You must provide proof of at least $205,000 in collateral

I'm talking about informally; only paying for compulsory, and accepting the risk for comprehensive and collision, on the vehicles that I own outright.

[LATB]

I'm talking about informally; only paying for compulsory, and accepting the risk for comprehensive and collision, on the vehicles that I own outright.

I guess you can do whatever you want as long as you meet state requirements.

[Yadkin]

I guess you can do whatever you want as long as you meet state requirements.

I know, and don't have to guess. :D

[Onebadcad]

Given your recent driving history, a bus pass is the most financially-wise option, your fellow drivers may chip in.

[lrobe22]

I have liability only insurance in CA .....$238 every 6 months...

I am not placing an extra bet that I will crash my car !

No concern on theft, uninsured, or underinsured?

[LATB]

I know, and don't have to guess. :D

Then why are you here asking?

[Yadkin]

Then why are you here asking?

Where did I ask? :Jeff '79:

[LATB]

Where did I ask? :Jeff '79:

Self insure?

…

[Steve_R]

Yadkin:

.

[LATB]

When is big Bob coming back? :rofl:

[Vandelay Industries]

This is going as expected.

[Yadkin]

Given your recent driving history, a bus pass is the most financially-wise option, your fellow drivers may chip in.

You actually stumbled on a great point. My recent history, in the last two years, events involving, or could have involved, insurance claims.

1. Ranger, hit on the rear bumper by "an old woman", who drove off: hit and run. Did not make a claim.
2. Ranger, rear-ended by an 93 year old man. He man'd up and his insurer paid for everything, including a loaner.
3. Ranger, shipping cart at Home Depot. Hit and run. I forked over $1400 to get it fixed, and avoided a potential "ding" on my insurance.
4. Porsche, windshield cracked. $1600 bill and my deducible is $1000.
5. Ranger, shopping cart, Floridiot, tourist, who refuses to man up. Cost TBD. For the sake of argument let's call it $2000. My deductible is, again, $1000.

My cost with insurance $3400. My cost if I didn't have comprehensive and collision, $5000. Difference is $1600, or $400 per car per year.

[Yadkin]

… :seasix:

[Vandelay Industries]

You actually stumbled on a great point. My recent history, in the last two years, events involving, or could have involved, insurance claims.

1. Ranger, hit on the rear bumper by "an old woman", who drove off: hit and run. Did not make a claim.
2. Ranger, rear-ended by an 93 year old man. He man'd up and his insurer paid for everything, including a loaner.
3. Ranger, shipping cart at Home Depot. Hit and run. I forked over $1400 to get it fixed, and avoided a potential "ding" on my insurance.
4. Porsche, windshield cracked. $1600 bill and my deducible is $1000.
5. Ranger, shopping cart, Floridiot, tourist, who refuses to man up. Cost TBD. For the sake of argument let's call it $2000. My deductible is, again, $1000.

My cost with insurance $3400. My cost if I didn't have comprehensive and collision, $5000. Difference is $1600, or $400 per car per year.

Surely you meant $500.

He called the Police, the day after, attempting to cover himself, then gave them false information. $1000 collision, $500 comprehensive.

[Yadkin]

Surely you meant $500.

No, I was wrong about the comprehensive deductible on the Ranger before. It's $1000.

[higgyburners]

Where did I ask? :Jeff '79:

?
I guess you just wanted to inform us that your cars are paid off. :Jeff '79: Egghead SMH

[coralbandit]

So you are not really going to 'self insure' you are just considering carrying only liability?
These types of tough choices are usually best left to adults who understand the proper terminology.

[Steve_R]

So you are not really going to 'self insure' you are just considering carrying only liability?
These types of tough choices are usually best left to adults who understand the proper terminology.

.

[Swany00]

liability only, what could possibly go wrong....that's what poor people do

[markids77]

I know, and don't have to guess. :D

Then why come here and ask our opinion at all; never mind getting snotty when you get a response?

[LATB]

Then why come here and ask our opinion at all; never mind getting snotty when you get a response?

Higgy may be correct. It’s an attempt at a subtle brag that his 20 thousand dollar truck is paid for. :rofl:

[markids77]

Higgy may be correct. It’s an attempt at a subtle brag that his 20 thousand dollar truck is paid for. :rofl:

BFD... I haven't had a car payment for nearly 5 years.

[Rikki Z-06]

Higgy may be correct. It’s an attempt at a subtle brag that his 20 thousand dollar truck is paid for. :rofl:

Another day, another Yadiot thread. :yesnod:

[Yadkin]

?
I guess you just wanted to inform us that your cars are paid off. :Jeff '79: Egghead SMH

And yours aren't?

[Yadkin]

So you are not really going to 'self insure' you are just considering carrying only liability?
These types of tough choices are usually best left to adults who understand the proper terminology.

Adults who smoke pot?:Jeff '79:

[coralbandit]

https://i.pinimg.com/736x/08/b8/47/08b8475df60f09920d4d9afdb64d1e81--silly-quotes-movie-quotes.jpg

:kimblair:

[Scaleman]

You know, I've been a member here for quite a while now. I basically keep to myself but do come here every day to read what's up and lurk. But, I just got to say... what a self-aggrandizing, narcissistic, never wrong, douchebag OP is.

[Yadkin]

Lots of great insight here, thanks. :Jeff '79:

[DJ_Critterus]

All those shopping cart catastrophes are starting to add up, huh?

[Yadkin]

You know, I've been a member here for quite a while now. I basically keep to myself but do come here every day to read what's up and lurk. But, I just got to say... what a self-aggrandizing, narcissistic, never wrong, douchebag OP is.

No, I was wrong about the comprehensive deductible on the Ranger before. It's $1000.

:Jeff '79:

[jw38]

You know, I've been a member here for quite a while now. I basically keep to myself but do come here every day to read what's up and lurk. But, I just got to say... what a self-aggrandizing, narcissistic, never wrong, douchebag OP is.

Well...you might have hit the nail on the head.

[coralbandit]

Adults who smoke pot?:Jeff '79:

If my avatar was a Bugatti would you assume I own one.

You missed by more than an eighth of an inch~!

Not smart enough to think before you type or speak is a symptom.

https://th.bing.com/th/id/R.6486faa78d622f760cbb22600fde6a0b?rik=HuZ3EWiX%2bXTqeg&pid=ImgRaw&r=0
:rofl:

[Frankie the Fink]

It USED to be that a rule of thumb was to drop collision/comp after your car was a certain number of years old (5 years back in the 60s) as the premiums were more than it was worth to repair most damage - not the case anymore. Parents back then used to get their new drivers just liability on a used 'beater' for their kids....

[Yadkin]

If my avatar was a Bugatti would you assume I own one.

You missed by more than an eighth of an inch~!

Not smart enough to think before you type or speak is a symptom.

https://th.bing.com/th/id/R.6486faa78d622f760cbb22600fde6a0b?rik=HuZ3EWiX%2bXTqeg&pid=ImgRaw&r=0
:rofl:

Won't man-up and admit that you smoke pot? :waiting:

[coralbandit]

People have asked if I am experimenting with drugs.
I say NO I am now in full-fledged research~!
And I still understand and speak English better than you~!
:lol:

[LATB]

Won't man-up and admit that you smoke pot? :waiting:

Who cares if he does?

[GTOguy]

Who cares if he does?

I'm more concerned about him posting a meme featuring a 'White Dude For Harris'. I'd rather post a picture of Mr. Turd.
I haven't had a car payment in my life.

116279

[Frankie the Fink]

Take the collision/comp premium cost for the first 12-18 months and set aside as a separate slush fund if the worst should happen. That'll eliminate somewhat, any surprise expenses and after that you can bank the savings.

[GTOguy]

Take the collision/comp premium cost for the first 12-18 months and set aside as a separate slush fund if the worst should happen. That'll eliminate somewhat, any surprise expenses and after that you can bank the savings.

I suspect that Yadkin doesn't have to 'set aside' funds for an emergency. Like yourself, he has lived a frugal lifestyle that has provided him a comfortable retirement free from financial worries. :)

[coralbandit]

https://th.bing.com/th/id/R.d31e01e557f2847e6c74f009cf99977b?rik=snCOMaaJD%2f4U1Q&riu=http%3a%2f%2fwww.barnorama.com%2fwp-content%2fuploads%2f2018%2f09%2f10greatest-quotes.jpg&ehk=FwZZ2W6KPMv%2bEIbJW16JKii29YsCU0orHfddFCUCqNc%3d&risl=&pid=ImgRaw&r=0



Gotta wonder about people who think a star is their character or vice versa.
Or has any value beyond their character to others.

Makes me wonder who they think they are..:kick:

Some people are just tight in the wrong way. Tick tick.
https://cdn.dribbble.com/users/891352/screenshots/3964148/walking-time-bomb_002.gif
:rofl:

Maybe someone should explain insurance to the OP.
I can read the writing on the wall fine myself. Although I need cheaters for the fine print.
I owe not one penny on any of my 7 registered and insured vehicles.

I carry liability only on all.
NY mandates uninsured motorist [50K] so unless I drive like the ass Yaddy used to do videos of I think I will be fine.
I haven't had an accident or whatever he calls them in over 30 years.
Sometimes it is just how and where you live and drive I guess.
Poor choices lead to poor consequences.
My latest purchase just this last summer. [ The car, I have had the wife for almost 30 years].:rofl:

[Yadkin]

Who cares if he does?

Speaks to judgement. :yesnod:

[dvarapala]

Won't man-up and admit that you smoke pot? :waiting:

Who cares if he does?

Speaks to judgement. :yesnod:

Does it also "speak to judgement" if a grown man drinks alcohol? :waiting:

[Yadkin]

Does it also "speak to judgement" if a grown man drinks alcohol? :waiting:

If he does in excess, yes.

[GTOguy]

Does it also "speak to judgement" if a grown man drinks alcohol? :waiting:

I think we can all agree that it's harder to get the cart to roll off across the parking lot on the first try if you're stoned or drunk. :seasix:

[SurfnSun]

Speaks to judgement. :yesnod:

So does pretending on an internet forum that you can be self insured when you can't really afford to be self insured.

[Yadkin]

So does pretending on an internet forum that you can be self insured when you can't really afford to be self insured.

:Jeff '79:

[dvarapala]

If he does in excess, yes.

So by that token one can also smoke pot in reasonable quantities and still have good judgement.

And since you know absolutely nothing about the quantity of pot he smokes, you know absolutely nothing about his judgement or lack thereof.

Add that to the long list of shit you don't know but blather on about anyway. :lol:

[dvarapala]

I think we can all agree that it's harder to get the cart to roll off across the parking lot on the first try if you're stoned or drunk. :seasix:

Furthermore, I think we can all agree that one would have to be stoned or drunk to make that stupid video in the first place. :D

[GTOguy]

So by that token one can also smoke pot in reasonable quantities and still have good judgement.

And since you know absolutely nothing about the quantity of pot he smokes, you know absolutely nothing about his judgement or lack thereof.

Add that to the long list of shit you don't know but blather on about anyway. :lol:
Well, he mis-interpreted what I had to say about Jeff Bridges. I am judging the actor, not a character he played. The actor, although highly skilled, is delusional and insulated from the real world.

When I smoked pot 45 years ago, it made me a real dullard. Can't speak for others. I've seen several super high functioning pot smokers. Whatever works.

[dvarapala]

Well, he mis-interpreted what I had to say about Jeff Bridges. I am judging the actor, not a character he played. The actor, although highly skilled, is delusional and insulated from the real world.

You can say that about most successful actors. They are so rich and famous the real world never touches them.

When I smoked pot 45 years ago, it made me a real dullard. Can't speak for others. I've seen several super high functioning pot smokers. Whatever works.

A lot depends on when you smoke. Science tells us that the human brain is not fully "wired" until age 25 or so; if a kid smokes pot before then, they can cause some serious damage. OTOH if a full adult starts smoking pot the impact to their cognitive processes is a lot lower, generally speaking.

[Swany00]

You can say that about most successful actors. They are so rich and famous the real world never touches them.



A lot depends on when you smoke. Science tells us that the human brain is not fully "wired" until age 25 or so; if a kid smokes pot before then, they can cause some serious damage. OTOH if a full adult starts smoking pot the impact to their cognitive processes is a lot lower, generally speaking.

it also depends on what you smoke too, sativa or indica can produce completely different results...so I've heard:dance:

[The_Dude]

You can say that about most successful actors. They are so rich and famous the real world never touches them.



A lot depends on when you smoke. Science tells us that the human brain is not fully "wired" until age 25 or so; if a kid smokes pot before then, they can cause some serious damage. OTOH if a full adult starts smoking pot the impact to their cognitive processes is a lot lower, generally speaking.

And I thought it was because I was dropped on my head as a kid.

[Yadkin]

So by that token one can also smoke pot in reasonable quantities and still have good judgement.

And since you know absolutely nothing about the quantity of pot he smokes, you know absolutely nothing about his judgement or lack thereof.

Add that to the long list of shit you don't know but blather on about anyway. :lol:

It's been my experience, in my misspent youth, that no amount of pot is a "reasonable quantity". Whereas a couple of beers will relax you after a long day, a couple of tokes will just make you stupid.

Politically, of course, as a life-long small L libertarian, I don't care what drugs you take, or how much or how often, as long as it has no negative impact on me.

[Yadkin]

And I thought it was because I was dropped on my head as a kid.

Riding a bicycle without a helmet. :nono:

[GTOguy]

It's been my experience, in my misspent youth, that no amount of pot is a "reasonable quantity". Whereas a couple of beers will relax you after a long day, a couple of tokes will just make you stupid.

Politically, of course, as a life-long small L libertarian, I don't care what drugs you take, or how much or how often, as long as it has no negative impact on me.

My experience as well. And after I retired 3 years ago and tried it again, for the first time in decades, 6 tokes made me a dull moron for the rest of the evening.
I wish it affected me like booze, but it doesn't.

[Yadkin]

My experience as well. And after I retired 3 years ago and tried it again, for the first time in decades, 6 tokes made me a dull moron for the rest of the evening.
I wish it affected me like booze, but it doesn't.
Last time I did it was when I was 35. We were in Jamaica and I got some weed off a guy that I met in a local market. I bought an ironwood carving that he made (that I still have) and we talked politics for a good half-hour. Solid dude. The weed was good but after a few tokes I put it away, gave it to our pool guy.

We had some very strong weed back in high school. Our involuntary supplier was a local professional that one of our gal friends would occasionally babysit for. She discovered his stash and judiciously helped herself of small enough amounts that the guy had no clue. (He had several bricks.) We used to go camping at a nearby state forest, roam the grounds at night and get everyone we met stoned like it was their first time. The Jamaican weed wasn't as strong as that stuff.

[GTOguy]

Went to Jamaica in 1984 and will never go back. What a shithole. The natives were so aggressive they made Mexican hustlers look lazy. Grand Cayman, FTW.

[dvarapala]

It's been my experience, in my misspent youth, that no amount of pot is a "reasonable quantity". Whereas a couple of beers will relax you after a long day, a couple of tokes will just make you stupid.


So you smoked pot prior to age 25?

That might explain some things... :D

[LATB]

Last time I did it was when I was 35. We were in Jamaica and I got some weed off a guy that I met in a local market. I bought an ironwood carving that he made (that I still have) and we talked politics for a good half-hour. Solid dude. The weed was good but after a few tokes I put it away, gave it to our pool guy.

We had some very strong weed back in high school. Our involuntary supplier was a local professional that one of our gal friends would occasionally babysit for. She discovered his stash and judiciously helped herself of small enough amounts that the guy had no clue. (He had several bricks.) We used to go camping at a nearby state forest, roam the grounds at night and get everyone we met stoned like it was their first time. The Jamaican weed wasn't as strong as that stuff.

Not sure that I believe that story.

[GTOguy]

Not sure that I believe that story.

I do. Yadkin isn't an embellisher or liar. Just eccentric.

[higgyburners]

Went to Jamaica in 1984 and will never go back. What a shithole. The natives were so aggressive they made Mexican hustlers look lazy. Grand Cayman, FTW.

:Jeff '79: talking about a place that you haven't been to since 1984 like it stopped in time. Do yourself a favor and do not give advice based on 40 year old information. :Jeff '79: It makes all your other advice sound like shit....:seasix:

[Yadkin]

Went to Jamaica in 1984 and will never go back. What a shithole. The natives were so aggressive they made Mexican hustlers look lazy. Grand Cayman, FTW.

They were aggressive but friendly and respectful.

Last time we went our son was an infant. We were in Ocho Rios, I was waiting in our rented car while my wife went into a bank to get more cash, our son asleep in the rear seat. During that 15 minutes there was a small parade of locals trying to sell me all sorts of things. A ten-second pitch, followed by my thoughtful decline.

The funniest was a very attractive, tall, female prostitute. I was admiring her smiling eyes during her pitch, then she looked right and noticed my son and said "oh!", winked at me and left.

[Yadkin]

Not sure that I believe that story.

What part do you find hard to believe? :waiting:

[GTOguy]

:Jeff '79: talking about a place that you haven't been to since 1984 like it stopped in time. Do yourself a favor and do not give advice based on 40 year old information. :Jeff '79: It makes all your other advice sound like shit....:seasix:

Respectfully, I'm not going to do that. I'll continue to give advice based on my life experience from 1961 to present. If that upsets your delicate sensibilities, you can **** off. :seasix:

[higgyburners]

Respectfully, I'm not going to do that. I'll continue to give advice based on my life experience from 1961 to present. If that upsets your delicate sensibilities, you can **** off. :seasix:

Respectfully, you should say you are right Higgy and leave it at that..:yesnod: No need to get ugly yet Jeff. :seasix:

[GTOguy]

Respectfully, you should say you are right Higgy and leave it at that..:yesnod: No need to get ugly yet Jeff. :seasix:

The 'yet' is what saves your character here. Happy Thanksgiving to you and your family. All the rest of you guys too.

[SurfnSun]

I do. Yadkin isn't an embellisher or liar. Just eccentric.

:funny: ok sure