🚀 go-pugleaf

DPH <76256.3632@compuserve.com> wrote:

>For my part, I don't have to, since Allstate has never taking _tickets_ into
>account, only accidents.

Doesn't sound very fair to the poor guy who is innocent of wrongdoing
but keeps getting run over.

>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.

That's the way it works.

>Bummer.

Yep.

>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>

I'm rather careful who I loan my car to for this very reason.

>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.

You're lucky.   Nowadays many low speed crashes result in "injuries"
and whatnot.  Most of these claims are either bogus or inflated and
all it does is create a mess for those who have legitimate claims.

>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.)

But it is illegal and historically drivers (as a group) who collects
tickets are historically more accident prone than the drivers who do
not. 

>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.

It only takes once.  I have the advantage of being able to examine the
driving records of people involved in major crashes and while the
trend is for the driver at fault to have an existing record including
convictions for the same violation that caused the crash, there are
some who have clean slates.  The point being anyone can crash at any
time and the *only* non variable is that traffic violators cause the
crashes and the non traffic violators do not.   That's a broad but
true observation.


efaubion@oklahoma.net
http://www.geocities.com/Heartland/Prairie/6123/