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Article #926

Re: Insurance Fees? Time to have your say..

#926
From: Dexter J
Date: Wed, 19 Mar 2003 16:18
159 lines
8037 bytes
Salutations:

Look for the dark blue 4 door big headlight SAAB Sedan 'sports car' 
parked alone at the most visible far away corner of any parking lot 
- it's me.. :) ..

I still think that's pretty good for over 20 years of driving though.. 

Anyway - kick a short note to the Minister if you agree (or even if you 
don't - that's cool too).. That info again:

http://www.canada.com/halifax/story.asp?id={F68A337A-7411-4D79-ABCF-B55828FAD087}

Mr. Russell:

Office:
Phone: (902) 424-5300
Fax: (902) 424-0575 
mailto:russelro@gov.ns.ca

Constituency:
Phone: (902) 798-5779
Fax: (902) 798-4093 
mailto:rrussellmla@ns.sympatico.ca





Phil wrote:
> 
> WOW!!
> J. Dexter, it seems that you should avoid parking
> lots..............LOL.....j/k
> 
> Your experiences would make one afraid to park their vehicle.
> 
> "Dexter J" <lamealameadingdong@lamelamelame.org> wrote in message
> news:3E7807D0.F65D36E1@lamelamelame.org...
> > 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..
> >
> > --
> >
> > J Dexter - webmaster - http://www.dexterdyne.org/
> > all tunes - no cookies no subscription no weather no ads
> > no news no phone in - RealAudio 8+ Required - all the Time
> >
> > Radio Free Dexterdyne Top Tune o'be-do-da-day
> > En Vogue - Giving Him Everything He Can Feel
> > http://www.dexterdyne.org/888/118.RAM
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Subject: Re: Insurance Fees? Time to have your say..
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