[bob3dsf]

Originally Posted by Texmax

You're replying to a thread started in 2020?

Insurance doesn't give a damn about bolt ons. They value from blue book etc...

They are gonna pay a "canned" value. It's unfair and Bullshit, just liked being forced into buying insurance is a scam and totalitarian fascist bullshit and you're basically under duress being forced to buy it upon threat of being ticket and huge fines, and the fact you live in the most fascist state in the union, you're even worse off.

I feel for you but not much you can do.

The guy is a new member, give him a break...however,

Insurance is a "totalitarian fascist scam?!" Oh please.... While there are bad insurance companies who are shysters, there are also really good companies. Insurance is absolutely a necessity to protect yourself and show common decency to everybody else.

I had a VERY minor bump up, like, less that full idle speed. But, my bad ass 4runner pushed in the rear bumper cover of a camry. Nobody hurt, the other driver was cool, at least when I spoke to him. We exchanged info. He called my company (USAA) before I had a free minute to call myself and let them know. Well, the other D-bag decided he thought he won the lottery and was complaining about neck pain, etc, etc... The agent was call to verify coverages, when they known what I have anyway but I guess to verify there was really an accident... I confirmed and told her the guy was full of it. My front bumper cover did not have any visible damage. If he was "injured" from that, he shouldn't even be walking out his front door every day.

I was hit by an uninsured motorist once, got paid, did the repairs myself and pocketed the difference. I got hit by a guy not paying attention. His insurance paid for a new door and new paint.

I've also seen what happens when there is a fatality and the at-fault driver is uninsured. That uninsured driver deserves to be hunted down... Driving while uninsured is a sure sign of a total lack of consideration for anybody else on the planet.

[Texmax]

"Oh please.... While there are bad insurance companies who are shysters, there are also really good companies".

Name one.

"Insurance is absolutely a necessity to protect yourself and show common decency to everybody else".

My insurance consists of a clip that holds 15 rounds and is readily available on my hip. Common decency is completely lacking in society today. Fact.
Insurance is still a SCAM!

"I was hit by an uninsured motorist once, got paid, did the repairs myself and pocketed the difference"

Case and point.

[bob3dsf]

Originally Posted by Texmax

"Oh please.... While there are bad insurance companies who are shysters, there are also really good companies".

Name one.

"Insurance is absolutely a necessity to protect yourself and show common decency to everybody else".

My insurance consists of a clip that holds 15 rounds and is readily available on my hip. Common decency is completely lacking in society today. Fact.
Insurance is still a SCAM!

"I was hit by an uninsured motorist once, got paid, did the repairs myself and pocketed the difference"

Case and point.

1. USAA.

2. Yes common decency is lacking. Drawing down on someone in an accident would not be considered decent by anyone's definition.

3. My example a scam? No way in hell. I changed my mind after a thorough assessment of the damage. The reason I pay my premiums is to be covered. I was covered. If I decide not to pay astronomical hourly shop rates when I can do it myself, that's my decision.

[Texmax]

Originally Posted by bob3dsf

1. USAA.

2. Yes common decency is lacking. Drawing down on someone in an accident would not be considered decent by anyone's definition.

3. My example a scam? No way in hell. I changed my mind after a thorough assessment of the damage. The reason I pay my premiums is to be covered. I was covered. If I decide not to pay astronomical hourly shop rates when I can do it myself, that's my decision.

I've been with USAA for 35 years and I have to say their service to us, service members have been lacking in recent years. I'm not gonna go into details, but it's not what it used to be.

Insurance is still a scam, but I will stipulate that it's necessary because the world is full of Magoos.

Oh, and thanks for serving alongside the few of us who did.

[Old Tanker]

Originally Posted by Texmax

I've been with USAA for 35 years and I have to say their service to us, service members have been lacking in recent years...

I've been with USAA since 1984. They are nowhere near what they used to be. Back then, they were an insurance company for active duty military officers. Claims were usually settled no questions asked. Rates were very competitive. Changes in 1996 and 2009 opened it to all service members, retirees, veterans, and their children. USAA hired industry professionals who opened it up and made it just like the rest of the industry. Other companies do a better job taking care of their own.

[bob3dsf]

Bummer to hear that you guys have seen a drop in service. My experience has been really good. Based on what I hear from others at work, around the neighborhood, etc. USAA still sounds top notch. Our auto rates are very good compared to friends and co-workers. They have been great on covering the few things I've needed covered, including a claim on our homeowner's insurance for hurricane related damage several years ago. I, for one, was glad it was available to enlisted and veterans when I joined.

[MeiFlous23]

Originally Posted by Texmax

just liked being forced into buying insurance is a scam and totalitarian fascist bullshit and you're basically under duress being forced to buy it upon threat of being ticket and huge fines,

Well... actually the law is technically just your ability to prove financial responsibility to other drivers on the road. It doesn't state you need to carry insurance, but that insurance can be used to prove financial responsibility. Compulsory financial responsibility means that when a dumbass rear ends you, more than likely they will have some way of compensating you.

Alternatives are
1. Post a cash deposit of $35,000 with the DMV
2. Secure and file a surety bond for $35,000 with the DMV

Both of these are retarded options, but if insurance didn't exist, that's what we'd all be stuck doing and having all of our assets on the line for the taking.

When you consider it that way, insurance seems like a pretty good deal.

[Texmax]

Originally Posted by MeiFlous23

Well... actually the law is technically just your ability to prove financial responsibility to other drivers on the road. It doesn't state you need to carry insurance, but that insurance can be used to prove financial responsibility. Compulsory financial responsibility means that when a dumbass rear ends you, more than likely they will have some way of compensating you.

Alternatives are
1. Post a cash deposit of $35,000 with the DMV
2. Secure and file a surety bond for $35,000 with the DMV

Both of these are retarded options, but if insurance didn't exist, that's what we'd all be stuck doing and having all of our assets on the line for the taking.

When you consider it that way, insurance seems like a pretty good deal.

Speaking of being rear ended by a dumbass, Hi welcome to 4runner forum.