Relay-Version: version B 2.10 5/3/83; site utzoo.UUCP
Posting-Version: version B 2.10 5/3/83; site hou5g.UUCP
Path: utzoo!linus!decvax!harpo!eagle!hou5h!hou5g!jrt
From: jrt@hou5g.UUCP
Newsgroups: net.flame
Subject: Car Insurance ?
Message-ID: <294@hou5g.UUCP>
Date: Fri, 14-Oct-83 09:43:46 EDT
Article-I.D.: hou5g.294
Posted: Fri Oct 14 09:43:46 1983
Date-Received: Sat, 15-Oct-83 07:50:31 EDT
References: <232@hammer.UUCP>
Organization: AT&T Information Systems Laboratories, Holmdel, NJ
Lines: 38


  I have been insured by the same company for 19 years (I started driving
early?) and have never, I repeat never had an accident or claim.  I must admit
to having a few speeding tickets (3am on an expressway between major cities).
I lived for the past 12 years in Virginia, Norfolk to be exact.  My rates were
about $200 a year. for the entire 12 year period.  Part of that was for a '68
opel cadette and the remainder for a '69 Malibu(350).  I then moved to
>>New Jersey<<.  my rates doubled, and then with recent 'rate changes' it
has gone up another 100, to about $500/year.  I then purchased a new '82 Z28.
My insurance for that was $600 a year.  Comparing that to the malibu, I felt
I was doing great.  Then 'rate adjustments' brought my insurance up to $700+.

>>> MY FLAME <<<

	Why the HELL do I have to pay so much for insurance, when my driving
record is so clean?  There are many other drivers on the road who have had
repeated accident/claims who are not paying that much more than myself.  It
is my understanding, that New Jersey went to 'no fault' insurance so that
insurance premiums didn't have to be so high.  For WHOM???  Those that weren't
able to get insurance because of their bad driving records?  If they are that
bad at driving, either get them off the road, or MAKE THEM PAY their own way
through the insurance jungle.

	Also, it is my understanding (I may very well be corrected in this
section), that when New Jersey went to 'government regulated', "no fault"
insurance, that rates have been going up ever since, faster than in states
without the 'no-fault' system.  My feeling is that because the government
has it's hands, so much, into the insurance system, that the insurance
companies are 'using' and 'guiding' the system to charge so much.  What
ever happened to the free-enterprise system?  If insurance companies knew
that you could go somewhere else and get insurance for a few bucks less, they
would be less likely to raise your rates.

				(** FRODO **) alias hou5g!jrt
p.s. My apologies to those of you who  have followed my postings with
     interest and anticipation.  This was NOT one of my better flames.
     For those of you who don't......use the 'n' key.