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* Cheap Chopard Happy Sport Stainless Steel Ladies Watch 27/8324-23 Wholesale,
Replicas, Fake - 1 messages, 1 author
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* Wholesale Omega-1267.75 Cheapest - 1 messages, 1 author
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* www.jerseynflstore.com china wholesale cheap wholesale Guerreo MLB JERSEY
Nba Nhl Footall Jersey NFL jersey - 1 messages, 1 author
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* Opinions about collision/comprehensive auto coverage. - 1 messages, 1 author
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/eb6b1d33ccf35e79?hl=en
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TOPIC: Cheap Chopard Happy Sport Stainless Steel Ladies Watch 27/8324-23
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== 1 of 1 ==
Date: Tues, Apr 8 2008 10:59 pm
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TOPIC: Wholesale Omega-1267.75 Cheapest
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== 1 of 1 ==
Date: Tues, Apr 8 2008 10:59 pm
From: sales050@aaa-replica-watch.com
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TOPIC: Opinions about collision/comprehensive auto coverage.
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/eb6b1d33ccf35e79?hl=en
==============================================================================
== 1 of 1 ==
Date: Tues, Apr 8 2008 11:23 pm
From:
------------------------------------------------------------------------------
"SpammersDie" <xx@xx.xx> wrote in message
news:tYPKj.156271$cQ1.20597@bgtnsc04-news.ops.worldnet.att.net...
>
> "George" <george@nospam.invalid> wrote in message
> news:Sp6dnRcpVbXX2mfanZ2dnUVZ_qadnZ2d@comcast.com...
>> We have two vehicles. The auto insurance renewal came in today and I was
>> thinking about the comprehensive/collision coverage. The older car has
>> liability coverage only. KBB shows that the newer car has a retail value
>> of $9,580 and of the 30 or so listings on autotrader that seems to be an
>> accurate average asking price.
>>
>> The cars aren't financed so there is no insurance obligation except the
>> state's required liability insurance. The comprehensive/collision for the
>> newer car is $501/year with a $500 deductible for collision and a $100
>> deductible for comprehensive.
>>
>> I interested in opinions about keeping or dropping the
>> comprehensive/collision coverage.
>
> You left out a key piece of data - your financial ability to absorb a
> $9,580 loss.
>
> If the car is stolen/wrecked tomorrow, could you afford to replace it
> (possibly with a much cheaper used car) without seriously damaging your
> financial stability?
>
> If the car is stolen/wrecked tomorrow, could you afford to NOT replace it?
> (i.e. could you get by with one car.)
>
> If you can truthfully answer "yes" to one of these questions, drop the
> c/c.
>
I don't know where you're located, but in New York, it doesn't matter
whether you have collision or not, if you're not the one at fault. If you
get rear-ended or broad-sided (other guy ran the light, etc.) then the
guilty party's insurance repairs or replaces your car, regardless of what
type of insurance you have. However, if you cause an accident and you don't
have collision on your own car, then insurance will not pay to replace it.
I've never had collision since I only buy old used cars and only drive about
3k miles a year. When I got rear-ended (I was stopped at a light) the other
guy's insurance had to pony up $4k to fix my car. That was funny, because
I'd only paid $3k for it a few months before, although the book value was
$5k. Whatever, it got fixed and I didn't even have to pay the deductible,
the other guy did.
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