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MyNameIsDaveToo t1_j4vhfto wrote

Misleading/clickbait title. Per the article, this only affects insurance rates for folks who are only carrying the minimum of liability coverage, because that minimum is what is increasing.

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LiftCats t1_j4vnajt wrote

embrace yourself? what???

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whodisacct t1_j4vxz1x wrote

I embraced myself right after I braced myself.

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f4d3 t1_j4vbifh wrote

Honestly I'm not surprised with how expensive cars and medical expenses are nowadays. Imagine hitting a 100k car and you only have $15k liability?

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SquirrelBoy t1_j4vlzvy wrote

I got hit by a car crossing the street two years ago. I was a pedestrian with the light. They only paid out the minimum $15K per policy. A lifetime of trauma and because of low limits I'm barely compensated. There's nothing scarier than the fire lane at a Shop Rite now.

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Linenoise77 t1_j4vhb8d wrote

The state really needs to raise the minimum liability amount.

It is not that much more expensive to move to a 100\300 plan from the pitifully low minimum limits, and people fuck themselves financially in the long term because they think they can save a few bucks today.

You will spend the next 20 years with garnishments\etc if you carry minimum insurance and get into an accident with even a modest newer car these days.

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111110100101 t1_j4vvnwv wrote

The people with the minimum liability plans are usually poor anyways and don’t have any money that could be taken from them in a crash.

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Linenoise77 t1_j4w1xdi wrote

Regardless of how much they end up paying back, they will end up with a judgement against them (destroying their credit), bank accounts and paychecks garnished, etc.

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EmbracedByLeaves t1_j4wbmnl wrote

It's like trying to squeeze blood from a stone. They have nothing to take. And then they get right back on the road and do it again to the next person. Shitbags.

I had this happen to my wife a few years ago.

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EmbracedByLeaves t1_j4vp1mg wrote

And yet the state still allows the 'Dollar-a-Day' insurance that carries no liability coverage at all.

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111110100101 t1_j4vvzeb wrote

I’m surprised this isn’t more common knowledge. There’s probably almost a million people on this plan. If they hit you you’re literally getting nothing. Uninsured/underinsured coverage is a must.

Although I guess it’s marginally better than them driving uninsured, which is what most of them would end up doing. Got to get to work somehow.

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ApplicationNo2506 t1_j4vx1j3 wrote

I got hit by one in the summer. I couldn’t believe it when i called their insurance to make a claim. They said I’m sol

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mjdlight t1_j4w0yl3 wrote

Just curious, is this where the "uninsured" coverage I pay on my premium comes into play?

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ApplicationNo2506 t1_j4w6f7a wrote

That is what they told me. They said that type of coverage would cover it

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