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The Water Cooler
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A Question for Our LEO members...
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<blockquote data-quote="jakeman" data-source="post: 3487480" data-attributes="member: 10690"><p>I do, and yeah, it works fine. </p><p></p><p>If you have an old beater, and only purchase liability, you can plow into a split window 'Vette, and your liability will cover it up to the limits of your policy. If you're driving a $140,000 antique around and you don't have enough coverage to make you whole in case some idiot like Bob runs into you cause he's trying to get the red cigar ash out of his crotch, then you're not too bright. </p><p></p><p>Auto insurance is just that, it is insurance, and it's a personal decision, both financial peace of mind wise. Nobody makes you buy more than liability, and if I own a $3000 car, I don't want to pay a full coverage premium that will in a very short time exceed the replacement price of the car. If someone in a $1000 POS plows into me, and he doesn't have insurance, that's the risk I decided to take when I decided not to pay for collision or comprehensive. That's my fault just as much as it is Bob's, and Bob being an idiot doesn't absolve me from my financial responsibility to myself.</p></blockquote><p></p>
[QUOTE="jakeman, post: 3487480, member: 10690"] I do, and yeah, it works fine. If you have an old beater, and only purchase liability, you can plow into a split window 'Vette, and your liability will cover it up to the limits of your policy. If you're driving a $140,000 antique around and you don't have enough coverage to make you whole in case some idiot like Bob runs into you cause he's trying to get the red cigar ash out of his crotch, then you're not too bright. Auto insurance is just that, it is insurance, and it's a personal decision, both financial peace of mind wise. Nobody makes you buy more than liability, and if I own a $3000 car, I don't want to pay a full coverage premium that will in a very short time exceed the replacement price of the car. If someone in a $1000 POS plows into me, and he doesn't have insurance, that's the risk I decided to take when I decided not to pay for collision or comprehensive. That's my fault just as much as it is Bob's, and Bob being an idiot doesn't absolve me from my financial responsibility to myself. [/QUOTE]
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