Heavy competition has helped a lot to keep rates lower but their are still stupid stuff that happens. For instance it's the law here to have liability insurance. Liability covers the expenses of the person you hit but not your own. Despite being the law there are a huge number of people that don't buy liability insurance and they get away with it because the law is only lightly enforced if at all. So insurance companies started selling extra insurance to cover accidents with people who didn't have insurance. In my state no one was willing to pay for that insurance so the state passed a law that forced people who buy insurance to pay for the extra insurance that covers the people who don't buy any insurance. So the insurance companies were happy, the people that don't buy insurance were happy, and the people that follow the law got a big rate increase.
Wow... that seems like a lot. I haven't had to use my insurance in a long time. I let minor shit go because I'm irresponsible and hate paperwork and deadlines. Hopefully you aren't talking auto insurance anymore? Or else LOL that is hardcore.
I've only used my car insurance once ten years ago. Some fuckhead smashed out my driver's side window and stole a few things from my car. It happened in a nice area too. I'm probably the safest driver you'll ever meet. No accidents or claims other than that case of theft. I'll park far away, often nowhere near other cars. My wife hates the way I drive. Says I drive like an old man. Except I'm not constantly getting speeding tickets like her and my car is in perfect condition, unlike hers which is covered in dents and dings.
Let me think about my history. Also including wife cars. Never been in an collision. Car 1: Broken into Car 2: Broken into Car 2: Stolen Rental Car for stolen car: Hail Damage Car 3: Vandalized, smashed tail light Car 4: Vandalized, smashed window Car 5: Tires slashed Car 5: Hit in parking lot. Car 6: Hit in parking lot. Same fucking day as Car 5. Car 6. Hit by bicyclist. Car 7: Broken tail light They put gravel down in the winter so I've probably had 10 cracked windshields. Actually, cracked windshields is one of the main reasons I keep my deductible low. I'm guaranteed to get at least 1 every 2 years.
No thay is car insurance, they are fuckers. Also on the law thing. 99% of police traffic cars are fitted with ANPR now so they instantly know your uninsured. Car gets taken and possibly crushed and you go to court.
Holy crap! I thought you must've been talking about personal liability or life insurance. How in the fuck can an auto insurance claim be denied based on a job description change?
An old crone in a Mercedes rear ended me last week during the first real vacation I'd taken in years. A firetruck was rolling through so I pulled over and she rammed right into the back of the car. She's still alive, so I've far exceeded my own expectations of what I'll tolerate from incompetent drivers.
They use your job to work out how likely you are to be in an accident based on stats, apparently for example a journalist is more likely than a teacher as more journalists have made claims so their insurance is higher.
Crikeys that sounds like on of those dystopian novels. What else can the use? The color of your skin?
as far as I know they only use... Job Title Number of years full license held Number of years no claims maximum millage per year Post code Marriage status If you have dependents Accident history Driving offence history Where the car is normally parked in the day Where the car is normally parked at night Do you use the car for work Any alterations to the car which it didn't come off the production line with To determine your insurance cost, lie about any of them and your insurance can be cancelled in the event you try to make a claim, for example, claim 5000 miles per year and do 6000. It's easy for them to tell to as all cars have to have a MOT every year (safety test) and millage is recorded on it.
Battlefront 2 has a user score of 1.2 right now. EA also set a record with the most down voted comment in Reddit history. The previous record was around 25k. Their comment is now been down voted over 680k time. If you haven't been following the story, EA basically locked the most popular characters behind credit walls. You'd have to play 40 to 50 hours just to unlock Luke Skywalker. Alternatively, you can pay real money to speed up the process. I always felt microtransactions prevented mobile devices from ever becoming serious gaming platforms. Now they're working their way into other platforms.
EVGA has 40% to 54% off most power supplies. No tax and free shipping. Excellent deal. https://www.evga.com/BF2017/
Who remembers these? I just ordered a bag for the hell of it. Most of the reviews says they taste like they have been in storage since the 80s. This will be it's final form.
1) Brachs make the worst chocolate. 2) I can't tell if this a troll or not. Those look like butthole chocolates.
Naw. These are peanut butter chocolate star cookies. My Grandma would make them every Christmas. Stores stopped selling these chocolates so people had to switch to Hershey kisses. It's not the same.
Man, I was away for new years. Stopped at Wendys on the drive home. They ripped me off on the spicy chicken sandwich. 2018 has failed me already.