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Health care karma?
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pjknibbs



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PostPosted: Wed, 29. Nov 17, 18:00    Post subject: Reply with quote Print

felter wrote:

You say ONLY £500, that's because you can afford £500, what if I was to say I don't have £500, I cannot afford £500, is it still cheep to me.


Then I would question your ability to be running a car in the first place? The insurance is a long way from being the most expensive thing about running one--repairs and fuel both cost more, unless you barely drive at all, in which case, why bother owning a car?

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mrbadger





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PostPosted: Wed, 29. Nov 17, 21:06    Post subject: Reply with quote Print

Just a new set of tires on our car cost us about that much this year.


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Skism





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PostPosted: Wed, 29. Nov 17, 21:33    Post subject: Reply with quote Print

Yeah the US health system sucks

And yes Id say this is Karma.


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Nanook
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PostPosted: Thu, 30. Nov 17, 00:16    Post subject: Reply with quote Print

Morkonan wrote:
Mightysword wrote:
I said this the last time this topic came up: the reason car insurance is so affordable not because it's universal/private (it's also private here in the US), not because of special government regulation. It's affordable because everyone participated....


I have to disagree, there. Car Insurance has a "ceiling." Every single car out there has a fixed value past which it is deemed "unfixable" and the owner, at best, is awarded a fair-market value. In other words, car insurance is weighted according to the cost of vehicle and there is a known value.....


Value of the vehicle is only part of the equation. The major costs have to do with liability and the driving record of the owner, as well as who they let drive it. Replacing the insured vehicle can be a relatively minor cost when weighed against what and who that vehicle may hit. So no, car insurance does not have a "ceiling" as such.


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Morkonan





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PostPosted: Thu, 30. Nov 17, 13:55    Post subject: Reply with quote Print

Nanook wrote:
Value of the vehicle is only part of the equation. The major costs have to do with liability and the driving record of the owner, as well as who they let drive it. Replacing the insured vehicle can be a relatively minor cost when weighed against what and who that vehicle may hit. So no, car insurance does not have a "ceiling" as such.


I've never seen an auto insurance policy that does not have a liability limit. (Or, any other personal liability policy, for that matter.) Past this covered amount, the insured is liable for paying any additional liability. (ie: A Personal Liability "rider" in the auto policy that covers up to xxx monies in personal liability/damage expenses.)

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