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From: nyssa@abnji.UUCP (nyssa of traken)
Newsgroups: net.auto,net.consumers,net.flame
Subject: Re: RE: Auto Insurance ($$$)
Message-ID: <849@abnji.UUCP>
Date: Thu, 5-Sep-85 08:03:11 EDT
Article-I.D.: abnji.849
Posted: Thu Sep  5 08:03:11 1985
Date-Received: Fri, 6-Sep-85 05:42:28 EDT
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Xref: watmath net.auto:8041 net.consumers:2906 net.flame:11819

I must agree that New Jersey has some of the stupidest insurance
laws in the world.

Looking at some of your statistics, consider that while New Jerseyians
probably have the most accidents per capita, they probably also
drive more per capita (In my case, my commute is over 60 miles/day,
my father is nearly 100!).  What is the accident rate per mile driven
in this state?

No fault pertains only to coverage of personal injuries.  If you have
an accident where the other driver is at fault, and (s)he won't
admit it, you MUST go to court to get your car repaired, or pay for 
it yourself.  Your insurance company may do that for you (they may 
give up for you, as well!), but if they do, you can bet that that
will mean much higher premiums in the future.

Of course, if both parties in an accident are insured by the same
company, it will be as if you collided with an inanimate object
(ie. your fault), even if you have no blame whatsoever.

Clean driving record, $1000 deductibles, yet still paying $931
in New Jersey, I am
-- 
James C. Armstrong, Jnr.	{ihnp4,cbosgd,akgua}!abnji!nyssa

Maybe they'll want one of your women to experiment on, perhaps
I shall take this one to them!

-who said it, what story?  (Get the reply to me by Thursday!)