🚀 go-pugleaf

On Fri, 03 Jul 1998 04:00:42 -0400, DPH <76256.3632@compuserve.com> wrote:
>
>
>E. Faubion wrote:
>
>> danthman@umich.edu (Daniel I. Manes) wrote:
>>
>> >So, while I may not be as good a driver as I think I am, I can at least
>> >say I take my driving seriously.
>>
>> Fortunately we have more drivers like us than not.
>>
>> >Well, I know they rate drivers based on age, gender, traffic violations,
>> >accidents, years or driving experience, consecutive years of being
>> >insured, and make/model of vehicle.  But I think it should be totally
>> >illegal for insurance companies to use traffic violations.  Why?  Simply
>> >because the punishment does not fit the "crime."
>>
>> Like I said, sit down with an agent sometime.  Most can readily
>> explain the basis for their rate structures.
>
>For my part, I don't have to, since Allstate has never taking _tickets_ into
>account, only accidents.

I guess that must vary by state or something, 'cause they sure do in CA.  I
can't even get them to insure my bike because I got a ticket speeding to the
hospital to see my wife, driving her car.  And I've never got a ticket on a 
bike, street riding since 1973.

>
>On the latter part, the unfortunate concept that they use is that they are
>insuring the _vehicle_ so  if the _vehicle_ gets into an accident, even with
>your buddy driving it, then you get to pay increased rates for 3 years.
>Bummer.  That's what happened to me in 1986 when, after getting tired of
>driving, I let my buddy drive and he proceeded to rip off the left front fender
>in downtown Chicago! <G>  Only upside to that was that the people he hit were
>also insured by Allstate, so the deductable was waived.  OK, the OTHER upside
>was that it was a very low speed crash, and nobody was hurt.
>
>Yes, rates should not go up with frequency of tickets.  Speeding, when done with
>alertness, is not significantly more dangerous than staying with the flow of
>traffic (also speeding, but not generally considered that by most except cops.)
>I've got an _amazing_ lifetime array of _tickets_ but no major accidents in 35
>years of driving.  Ya just gotta pay attention to what your doing, that's all.
>
>DPH
>


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