🚀 go-pugleaf

Salutations:

Punk wrote:
> 
> 
> I don't think it would help in your case anyways.
> 
> Public- private insurance usually involves the state picking up the risk
> to flesh and bones, while the private insurers get the motor vehicle
> end of the deal.  Do a search on what motorists in your similar situation
> end up paying overall, in the province of Quebec. That will give
> you an idea if it's panacea it's all cracked up to be.
> 
> Punk

Punkster - sit tight.. 

We pay between us $2,400 per year for minimum PI/PD.. I have one speeding
ticket and two claims in over twenty years.. 

I got rear ended on my first Kawasaki 84 - got rear ended in a parking lot
while eating lunch 96 - had the front of one of my SAABs run over by a 3
ton milk truck - in a parking lot - while I was in a meeting 89 - my wife
got clipped across the snout at super store parking lot across from
Eastlink 01 and we had a tire blow out on a pot hole (thank you budget
committee recommendations 86) and went into the bulrushes.. 

The only cash claims we ever made in our wholes lives were $900 for the
bike and $2,000 for the SAAB the milk truck ran over.. that's fair I think
- I rebuilt it myself and it was in great shape.. It was always caused by
someone in a comprehensively insured policy interestingly perhaps.. 

In fact - we calculated out once and it has cost us more to insure our cars
over their service lives than what we paid for them.. We average about
60,000km per year.. I have an Amateur Winter and Summer Road Rally
credentials - we picked up a streamlined GMC 260 motorhome with a fire
breathing 403 olds bird motor that runs like a top and put down 20,000km
over the last two years without incident. 

Heck - we wear out used cars like other people stain their deck and if I
may say we actually - are - very good and perhaps annoyingly careful
drivers - 115kph max blacktop cruise - 10% on the speed limit at all times
to match traffic and depending on conditions - that's it (my SAAB has a
programmable alarm for that).. I'm putting one in the GMC when I get some
cash together again..

Never hurt anyone we loved or anyone else we didn't know.. Well I hit a
hedgehog on my fab green 77 Kawi ZIR Rickmann 3/4 once - I was so speeding
at the time - god got me for being one of the crap-heads and it exploded
into the engine fins and cooked in and fair enough.. It was one of his
creatures too.. 

You explain to me were we get to carry $2,400 a year for - only - PI/PD on
that record of claim? 6 months a year on the MH - 12 months on the SAAB and
the ZIR is under glass awaiting a trip to Barrett Jackson's when the kids
want to go to College..

Maybe I'm wrong - maybe I'm a dangerous parker or something.. I think I
went out of my way to be rude about Quebec (I lived in Montreal for
years).. What - their - sneaky pants do is build the road tax into the
Insurance fee.. 

I said adopt a system - like Quebec. No fault and limited - provable - one
time - liability.. Insurance of any kind here doesn't insulate anyone from
further payment here no matter what the insurance company fork over -
everyone can be further privately sued anyway to double up the money.. Like
I said - it's the damned lottery if you play it right.. 

My take is that we should insure the driver rather than the vehicle
actually.. 

Records and Mileage count as you can safely assume that high mileage
drivers that have few infractions and low accident involvement (as both the
victim and the evident party at fault) are cheap to keep on the road..
People who aren't need better and formal driver training.. Period.. It's
fun actually - the cone track skid pad is a total hoot.. I'd take the
course just for legal kicks man..

I know I also said that they should consider an enhanced option to cover
collision and fire as that is were the gravy train is and it will offset
any costs of PI/PD from the proceeds.. They are considered separate
business lines on the corporate accounting math the automobile insurance
interests whine on about (tricky eh?) it is allowed so we may be offered to
upstream reinsures separately..

Now I'm no 'more government is the answer' kinda guy - HAH - I can tell
you.. 

If I was looking to balance the book - I WOULD love to set up an Insurance
Biz in the province on a competitive basis - done without the operating
debt load caused when a series of fairly obvious bad bets in the Technology
and Energy futures markets went sour - you'd be fatter that ACOA itself in
10 years.. 

Any normal person accepts that people should be legally be required to
carry automobile insurance - but - I would rather those evidently so razor
thin profits (yeah - pull my finger) head into my provincial coffers rather
than over to the likes of Merl-Lynch (who finally got bagged on Enron
yesterday BTW - hur-f*ing-ray).. 

I'm surprised that you, of all niks', would be good with it feeding some
fat bastard Fleet Street steak and kidney pie.. 

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