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Old 03-12-2019, 11:26 PM   #26
defaultstivaper
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It does suck, having a mint license and clean driving record and still paying high premiums because of the car. It comes with the territory however, and most people pull this **** in all types of sports cars.
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Old 03-13-2019, 03:52 AM   #27
M0S3S
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Quote:
Originally Posted by defaultstivaper View Post
It does suck, having a mint license and clean driving record and still paying high premiums because of the car. It comes with the territory however, and most people pull this **** in all types of sports cars.
The vehicle you choose can affect your insurance premium. In my case, it was less than $10 monthly. Your age, driving record, location, customer loyalty... are all factors. Anyone interested in owning a sports car should shop insurance companies before getting one. I recommend talking to an agent instead of getting a quote online.
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Old 03-13-2019, 07:53 AM   #28
oichan
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Right, having an umbrella policy helps too like house, multiple car, life, etc. My insurance for my WRX and STI is cheap through Jake.
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Old 03-13-2019, 09:28 AM   #29
Maine Jim
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I was actually surprised how little my premium went up when I bought my STI. I had heard/read a bunch of people saying how expensive it would be but my premium went up just under 12 bucks a month.

'course being an old feck probably helps.....
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Old 03-13-2019, 10:50 AM   #30
Jedi03
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majority of the premium i have heard is combination of car, credit, age and driving history...mine went up comparibly, but was going from 1999 corolla to 09 sti...
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Old 03-13-2019, 11:02 AM   #31
Kaykay
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My premium for my STi is somehow 100 dollars a year cheaper than my Impreza was. Riddle me that one ._.
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Old 03-13-2019, 11:34 AM   #32
anarekist
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Old 03-13-2019, 11:49 AM   #33
SirBrass
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Of all the stupid reasons to begin a pursuit is the guy won't pull over when you hit the lights b/c of the exhaust.

Driver is responsible for the crash, absolutely. But the cops exercised very poor judgement, IMO, in choosing to pursue a guy when beforehand the only PC they had to pull him over was his exhaust volume. Dumbasses on both sides.

I'm guessing the driver's lawyer will negotiate a plea deal down to reckless driving. Cops shouldn't have elected to pursue.
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Old 03-13-2019, 03:50 PM   #34
standardtranny
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Quote:
Originally Posted by SirBrass View Post
Of all the stupid reasons to begin a pursuit is the guy won't pull over when you hit the lights b/c of the exhaust.

Driver is responsible for the crash, absolutely. But the cops exercised very poor judgement, IMO, in choosing to pursue a guy when beforehand the only PC they had to pull him over was his exhaust volume. Dumbasses on both sides.

I'm guessing the driver's lawyer will negotiate a plea deal down to reckless driving. Cops shouldn't have elected to pursue.
I think that heinous spoiler is the real crime here
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Old 04-29-2019, 08:11 AM   #35
standardtranny
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Old 04-29-2019, 08:49 AM   #36
rtv900
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^hilarious

chick plows into a friggin bmw showroom and obliterates a show room car

Man her insurance company took a bath on her policy
$800 premium
$300,000 in losses
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Old 04-29-2019, 11:43 AM   #37
pearljam11
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Quote:
Originally Posted by GlarryHoodDIT View Post
Well, so who won the Drag Race?

It just says he hit somebody, it didn't say whether this was after winning/losing or during the race. **** reporting.
A person died, this is an incredibly insensitive and immature comment.
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Old 04-29-2019, 11:53 AM   #38
SatinWhitePearl
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Quote:
Originally Posted by rtv900 View Post
^hilarious

chick plows into a friggin bmw showroom and obliterates a show room car

Man her insurance company took a bath on her policy
$800 premium
$300,000 in losses
Depending on the limits of her policy, anything in excess of her "PD" limit, will be her bill to pay. That's a genuine tragedy because she'll be paying down a lot of that damage for a while, again depending on how much insurance she was carrying.

Insurance, you get what you pay for and that's it. You'd be surprised how many people I come across that own a 'home' and carry 15/30/10.
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Old 04-29-2019, 12:11 PM   #39
oldenoughtoknowbettr
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awd sedan under 300hp is a pretty tame insurance rating
sure, there are cheaper cars out there to insure, but then what are trying to compare?

your age, driving history & location factor in a lot
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Old 04-29-2019, 12:22 PM   #40
SirBrass
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Quote:
Originally Posted by SatinWhitePearl View Post
Depending on the limits of her policy, anything in excess of her "PD" limit, will be her bill to pay. That's a genuine tragedy because she'll be paying down a lot of that damage for a while, again depending on how much insurance she was carrying.

Insurance, you get what you pay for and that's it. You'd be surprised how many people I come across that own a 'home' and carry 15/30/10.
15/30/10 means what?
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Old 04-29-2019, 12:24 PM   #41
oldenoughtoknowbettr
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Quote:
Originally Posted by SirBrass View Post
Of all the stupid reasons to begin a pursuit is the guy won't pull over when you hit the lights b/c of the exhaust.

Driver is responsible for the crash, absolutely. But the cops exercised very poor judgement, IMO, in choosing to pursue a guy when beforehand the only PC they had to pull him over was his exhaust volume. Dumbasses on both sides.

I'm guessing the driver's lawyer will negotiate a plea deal down to reckless driving. Cops shouldn't have elected to pursue.
cops are mostly over zealous soldier wanna-be's these days & it can be reasonably argued that their tactics in pursuit are sometimes poor

however

if you run from the cops you are stupid af & beggin to make everything way worse
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Old 04-29-2019, 12:40 PM   #42
oldenoughtoknowbettr
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Originally Posted by SirBrass View Post
15/30/10 means what?
i am also curious yet too lazy to google this
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Old 04-29-2019, 12:45 PM   #43
SatinWhitePearl
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Quote:
Originally Posted by SirBrass View Post
15/30/10 means what?
Bodily Injury (15k/30k) The amount of bodily injury your limits will cover you for, per person and per accident.

Property Damage (10k) The amount of property damage limit.
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Old 04-29-2019, 01:35 PM   #44
Fndragn
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Well if you only carry the state required insurance your asking for trouble.
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Old 04-29-2019, 02:30 PM   #45
rtv900
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Originally Posted by pearljam11 View Post
A person died, this is an incredibly insensitive and immature comment.
Please change your internet content settings to "hide ANY and ALL content"
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Old 04-29-2019, 02:31 PM   #46
rtv900
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Originally Posted by SatinWhitePearl View Post
Depending on the limits of her policy, anything in excess of her "PD" limit, will be her bill to pay.
meh, it will be 'her bill to pay' in about the same way as a person without health insurance getting emergency room care and a 'bill to pay'.

get bill
throw bill away
get next bill
throw away
get some calls
ignore
repeat
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Old 04-29-2019, 02:38 PM   #47
Charlie-III
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Quote:
Originally Posted by SatinWhitePearl View Post
Depending on the limits of her policy, anything in excess of her "PD" limit, will be her bill to pay. That's a genuine tragedy because she'll be paying down a lot of that damage for a while, again depending on how much insurance she was carrying.

Insurance, you get what you pay for and that's it. You'd be surprised how many people I come across that own a 'home' and carry 15/30/10.
For our cars, I suggest 100/300......too old to do comprehensive.
House.....a bunch more.....

Quote:
Originally Posted by oldenoughtoknowbettr View Post
awd sedan under 300hp is a pretty tame insurance rating
sure, there are cheaper cars out there to insure, but then what are trying to compare?

your age, driving history & location factor in a lot
Add in a turbo in many places......price hike. Example, my wife, excellent driving record, 50's at the time......an 04 V6 Tiburon was cheaper than an 03 VW Passat with a 1.8L TURBO.
Passat was heavier, similar power, but Passat was a turbo.......we got the Tib.

Only reason I signed off on my son getting an "05 STi" was it was a swap into an 04 RS VIN. Huge difference in insurance.
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Old 04-29-2019, 02:59 PM   #48
FaastLegacy
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Quote:
Originally Posted by rtv900 View Post
meh, it will be 'her bill to pay' in about the same way as a person without health insurance getting emergency room care and a 'bill to pay'.

get bill
throw bill away
get next bill
throw away
get some calls
ignore
repeat
No, what'll happen is her insurance will pay out to the max of coverage and then she's on the hook for the rest. The other insurance company will sue her personally to recover what they lost, she'll lose, and they'll get a judgment. They can then go after any assets she has as well as garnishing her wages if she refuses to play ball. Her life will be ruined, financially.
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Old 04-29-2019, 03:09 PM   #49
SatinWhitePearl
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Quote:
Originally Posted by rtv900 View Post
meh, it will be 'her bill to pay' in about the same way as a person without health insurance getting emergency room care and a 'bill to pay'.

get bill
throw bill away
get next bill
throw away
get some calls
ignore
repeat
Insurance companies are quite ruthless when it comes to subrogation, I'd argue that ideology wouldn't apply.
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Old 04-29-2019, 03:29 PM   #50
rtv900
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Originally Posted by FaastLegacy View Post
No, what'll happen is her insurance will pay out to the max of coverage and then she's on the hook for the rest. The other insurance company will sue her personally to recover what they lost, she'll lose, and they'll get a judgment. They can then go after any assets she has as well as garnishing her wages if she refuses to play ball. Her life will be ruined, financially.
Correct, if she happens to be a person with any actual assets beyond maybe a fraction the value of her house in equity, and that wouldn't be taken even if she did have some equity.

So in reality, there's a 99% chance she has no assets in which case they wouldn't even bother to waste the litigation costs on retrieving compensation from her because they know she'd just declare bankruptcy if they did and they still wouldn't get a nickel.

That how the world provides power to people with nothing.
You really can't be held accountable as long as you never have any assets.

I'd be willing to wager she'll end up with a check in hand for the value of her totaled car and walk away.
If she was drunk the cops will pursue that but that's a totally different story.
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