Insurance Costs

[my240likenoother]

i pay $160 a month
full coverage pluss i have extra inshurance on the front bumper and on the stereo
it all depends were you live

i want to open my own com. were if you get no tickes no acadents i will give 10% of the years total back at the end of the year

[HippoSleek]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote </td></tr><tr><td id="QUOTE">Quote: from twofortysx on 9:29 am on Feb. 2, 2002
</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote </td></tr><tr><td id="QUOTE">I make around 50k/yr but in Sacramento (and likely all across the country) people are sue happy. People will sue your ass for looking at them crooked. I keep high coverages because if I cause an accident I want to make sure that I'm covered as far as liability goes and that the other party is covered too. I mean, if I do something stupid and hurt somebody I don't want them to have any troubles more than their injuries. Plus, if they sue and it's less than my limits, I'm covered, but if I had like 25k limit and they sued for 30k, guess where that other 5k comes from <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/smile.gif" border="0" valign="absmiddle" alt=':)'>
</td></tr></table><span id='postcolor'>

I totally understand the &quot;sue happy&quot; mentality (I'm an attorney <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/wink.gif" border="0" valign="absmiddle" alt=';)'>). &nbsp;What I was saying is that for many people who barely make enough to live on are &quot;judgment proof.&quot; &nbsp;If you an in an accident, people will sue to the limit of your policy (say $50K). &nbsp;If their injuries exceed that, policies have &quot;uninsured/underinsured&quot; motorist provisions which allows them to claim from their own policies to the limit of coverage. &nbsp;The insured (crashee) can either sue you or take against the policy. &nbsp;

If they chose to sue you, there is a limit to what they can get (can't get car, house, clothes off you back, etc.) - only your resources above that needed for basic living. &nbsp;Generally, someone making $40K or so is barely getting by and can't afford to pay a judgment. &nbsp;Therefore, if they sue and win a judgment, it can't be paid b/c there is no extra money. &nbsp;That is being judgment proof. &nbsp;As a result, they will generally not waste their time suing you, but will get the excess money from the policy. &nbsp;

Accordingly, someone who makes barely enough to live on should not get high limit insurance b/c they literally have nothing to lose.
-mark (who now has 300/500 <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/wink.gif" border="0" valign="absmiddle" alt=';)'>)

[twofortysx]

</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote </td></tr><tr><td id="QUOTE">Quote: from HippoSleek on 9:42 am on Feb. 3, 2002
</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote </td></tr><tr><td id="QUOTE">Quote: from twofortysx on 9:29 am on Feb. 2, 2002
</span><table border="0" align="center" width="95%" cellpadding="3" cellspacing="1"><tr><td>Quote </td></tr><tr><td id="QUOTE">I make around 50k/yr but in Sacramento (and likely all across the country) people are sue happy. People will sue your ass for looking at them crooked. I keep high coverages because if I cause an accident I want to make sure that I'm covered as far as liability goes and that the other party is covered too. I mean, if I do something stupid and hurt somebody I don't want them to have any troubles more than their injuries. Plus, if they sue and it's less than my limits, I'm covered, but if I had like 25k limit and they sued for 30k, guess where that other 5k comes from <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/smile.gif" border="0" valign="absmiddle" alt=':)'>
</td></tr></table><span id='postcolor'>

I totally understand the &quot;sue happy&quot; mentality (I'm an attorney <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/wink.gif" border="0" valign="absmiddle" alt=';)'>). What I was saying is that for many people who barely make enough to live on are &quot;judgment proof.&quot; If you an in an accident, people will sue to the limit of your policy (say $50K). If their injuries exceed that, policies have &quot;uninsured/underinsured&quot; motorist provisions which allows them to claim from their own policies to the limit of coverage. The insured (crashee) can either sue you or take against the policy.

If they chose to sue you, there is a limit to what they can get (can't get car, house, clothes off you back, etc.) - only your resources above that needed for basic living. Generally, someone making $40K or so is barely getting by and can't afford to pay a judgment. Therefore, if they sue and win a judgment, it can't be paid b/c there is no extra money. That is being judgment proof. As a result, they will generally not waste their time suing you, but will get the excess money from the policy.

Accordingly, someone who makes barely enough to live on should not get high limit insurance b/c they literally have nothing to lose.
-mark (who now has 300/500 <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/wink.gif" border="0" valign="absmiddle" alt=';)'>)</td></tr></table><span id='postcolor'>

Heh, where do you live? &nbsp;$40k is still a pretty good paycheck here, I always have a ton of dough left over at the end of the month and I live on my own. &nbsp;If I got sued for 10g though I would just laugh cuz I don't have that kind of money <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/smile.gif" border="0" valign="absmiddle" alt=':)'>

Recently some chick sued my girlfriend for 5k for an accident a year ago. &nbsp;My girlfriend tapped this lady at a stoplight as the light turned green (so they'd been stopped for a minute or so and she accidentally engaged the clutch). &nbsp;The lady said that she hit the car in front of her which was a BRAND new Mustang. &nbsp;The Mustang had no damage, my girlfriends Integra had no damage and this chicks Tercel (a previous salvage no doubt) was fucked up. &nbsp;hmmmm, gee how'd that work out? &nbsp;She claimed a ton of injuries and damages so AAA hired us a kick ass lawyer and we battled this chick. &nbsp;Judge found in our favor, too bad she's out a few grand in false injury therapies <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/smile.gif" border="0" valign="absmiddle" alt=':)'>

[wherezmytofu]

ok.....thats about enough......

seeing that i use 2 be a honda fanatic that about enought wrong nsx info....i mean alot right and a few wrong parts <img src="http://www.zilvia.net/f/iB_html/non-cgi/emoticons/biggrin.gif" border="0" valign="absmiddle" alt=':D'>

early 90's nsx had a 3.0 liter v6 6speed manual
newer &lt;2002 has a 3.0 liter iron reinforce fiber v6 5-speed auto and 3.2 iron reinforce fiber v6 6 speed manual

[dementedS14]

you guyz know why its high on premiums is because our cars are considered SPORTS CARS thats what i was told. &nbsp; i pay $200 a month and thats full coverage i have 2 points on my record it was for reckless driving and i have a $500 dollar deductible.