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Date: Mon, 20 Jan 2003 09:49:39 -0500
From: tom reingold <trn244nopsamnline.net>
Subject: Re: insurance


On 1/17/2003 10:50 AM:Bob wrote > On Fri, 17 Jan 2003 10:17:23 -0500, tom reingold > <trn244nopsamnline.net> wrote: > > >>I'm amazed -- though really I shouldn't be -- that insurance companies >>get away with charging per car. I am the only driver in my household, >>yet if I owned two cars, I'd pay double. How many cars can I drive at >>once? So how much risk am I taking at once? They give me a tiny discount >>for my second car, but it's not in proportion to the risk I am insuring. > > I once thought that too, but while you can't actually _drive_ two > cars at once, one can be destroyed by accident, theft, or > conflagration while parked. So, part of the insurance is legit. > Also, you're allowed to let someone borrow your car and they are > then carried on your insurance when they drive. So, there is some > legitimacy to the charges... but I agree, the discount should be > much more. > > Bob > > You're right about someone driving my car, so it would be nice for the customer to be able to put in a clause that says don't insure me if I'm not driving. Better yet, don't insure me if I'm driving one and the other gets into an accident. The thing that burned me was that when I looked into this, I wasn't paying for collision or comprehensive insurance. I was only paying for liability. So a parked, undriven car could not be a liability for the insurance company, unless they're worried about the car spontaneously driving itself and destroying something or hurting someone. -- Tom Reingold Noo Joizy

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