Hellur

Help Support CattleToday:

greybeard said:
I don't like Chevys, but I don't hate 'em either, probably because I don't own one.
(I assume we're talking about pickup trucks. I DID own one (new, 2008 Chevy Silverado pickup truck) , and I hated it. I no longer hate it but only because I no longer own it)
Click to expand...
Not trucks I name all my cows chevy. Ha. I love Chevys with a diesel. I want one them chevy tahoe diesel but my needs out weight my wants right now.
 
We have over 10 vehicles on the farm .... like you @kenny thomas ,each has a purpose and most not driven very many miles. I have 5 personal vehicles now, and 2 have not had 4,000 a year put on them, and 2 maybe get 100 miles a month, for cow checking and such. But when the opportunity comes up, and a good deal, I have acquired a couple and that's that. Not new and not expensive.
 
farmerjan said:
We have over 10 vehicles on the farm .... like you @kenny thomas ,each has a purpose and most not driven very many miles. I have 5 personal vehicles now, and 2 have not had 4,000 a year put on them, and 2 maybe get 100 miles a month, for cow checking and such. But when the opportunity comes up, and a good deal, I have acquired a couple and that's that. Not new and not expensive.
Click to expand...
I've always wondered why vehicles are insured instead of drivers...

It seems silly to be insuring multiple vehicles for liability when they are sitting and doing nothing as the owner is only driving one at a time.
 
Travlr said:
I've always wondered why vehicles are insured instead of drivers...

It seems silly to be insuring multiple vehicles for liability when they are sitting and doing nothing as the owner is only driving one at a time.
Click to expand...
Here in Ga, your "cars" must have insurance, and if your insurance lapses, they cancel your tag. About 14 years ago, during Med Adv open enrollment, I had one client, a lady, 70 yrs old widow woman, who had a vehicle. Her liability-only insurance was $150 for 6 months. Next guy that came in, 70 yr old widower, had a car and a truck. Now, he does get a 25% multi-car discount, so his was $225 for 6 mos. I got to thinking..." The man can only drive one vehicle at a time, so why must he pay more?!!" People should have liability insurance, not vehicles. And there is already such coverage in existence....non-owned auto liability insurance. Someone loses their license for some reason, ( incarceration, multiple insurance lapses., DUI, etc.) and needs an SR-22 or SR-22A, in order to get it back. They may not have a vehicle...might have just got out of jail or something... so we write them a non-owned policy. It provides coverage for them, in case they have an at-fault accident. So, I start talking to my friends in the insurance business, who are also state senators or state representatives. About every session. one of them will introduce such a bill in one house or another...sometimes in both houses... but so far, it never makes it to a floor vote. The personal injury lawyers' lobbyists just have too much money...which means power and influence....and it usually gets killed in committee. Way too many personal injury lawyers in our general assembly. The reason they are against it, is because if, say, me and @Mountaintown Creek Ranch (2 GA residents) are going on a trip. We are in my truck, and he and I take turns driving. If we have an at-fault accident while @Mountaintown Creek Ranch is driving, the lawyer will sue us both, and his insurance and my insurance has to pay. So they shut any legislation to try to change this down. Everyone in our state could have a non-owned auto liability policy, if your vehicle tag wasn't tied to your insurance. Prior to 1990. Ga didn't require liability insurance....we had what people called "no-fault" insurance. And, the state bar didn't allow lawyers to advertise on TV. After the new law took effect, requiring liability insurance and doing away with no-fault insurance, the bar also lifted the ban on TV ads. our rates are some of the highest in the nation.
 
Warren Allison said:
Here in Ga, your "cars" must have insurance, and if your insurance lapses, they cancel your tag. About 14 years ago, during Med Adv open enrollment, I had one client, a lady, 70 yrs old widow woman, who had a vehicle. Her liability-only insurance was $150 for 6 months. Next guy that came in, 70 yr old widower, had a car and a truck. Now, he does get a 25% multi-car discount, so his was $225 for 6 mos. I got to thinking..." The man can only drive one vehicle at a time, so why must he pay more?!!" People should have liability insurance, not vehicles. And there is already such coverage in existence....non-owned auto liability insurance. Someone loses their license for some reason, ( incarceration, multiple insurance lapses., DUI, etc.) and needs an SR-22 or SR-22A, in order to get it back. They may not have a vehicle...might have just got out of jail or something... so we write them a non-owned policy. It provides coverage for them, in case they have an at-fault accident. So, I start talking to my friends in the insurance business, who are also state senators or state representatives. About every session. one of them will introduce such a bill in one house or another...sometimes in both houses... but so far, it never makes it to a floor vote. The personal injury lawyers' lobbyists just have too much money...which means power and influence....and it usually gets killed in committee. Way too many personal injury lawyers in our general assembly. The reason they are against it, is because if, say, me and @Mountaintown Creek Ranch (2 GA residents) are going on a trip. We are in my truck, and he and I take turns driving. If we have an at-fault accident while @Mountaintown Creek Ranch is driving, the lawyer will sue us both, and his insurance and my insurance has to pay. So they shut any legislation to try to change this down. Everyone in our state could have a non-owned auto liability policy, if your vehicle tag wasn't tied to your insurance. Prior to 1990. Ga didn't require liability insurance....we had what people called "no-fault" insurance. And, the state bar didn't allow lawyers to advertise on TV. After the new law took effect, requiring liability insurance and doing away with no-fault insurance, the bar also lifted the ban on TV ads. our rates are some of the highest in the nation.
Click to expand...
That's a great explanation and I can see why the ****ing lawyers want liability attached to vehicles even though Millions of people are paying out more so the lawyers can pad their pockets with only a fraction of the extra money being billed. Several states once had no fault insurance and it cost the consumer much less.
 
Travlr said:
That's a great explanation and I can see why the ****ing lawyers want liability attached to vehicles even though Millions of people are paying out more so the lawyers can pad their pockets with only a fraction of the extra money being billed. Several states once had no fault insurance and it cost the consumer much less.
Click to expand...
There are several problems with auto insurance. Another is the statutory minimum liability coverage of $25k. It's a sad deal when someone gets hit and suffers $100k in medical bills and other damages and the policy limit the at fault driver had was only $25k, if any coverage at all. UM/UIM is your only option to cover it. There ought to be a statutory minimum on the UM/UIM coverage because many consumers do not understand what it does.
 
GoWyo said:
There are several problems with auto insurance. Another is the statutory minimum liability coverage of $25k. It's a sad deal when someone gets hit and suffers $100k in medical bills and other damages and the policy limit the at fault driver had was only $25k, if any coverage at all. UM/UIM is your only option to cover it. There ought to be a statutory minimum on the UM/UIM coverage because many consumers do not understand what it does.
Click to expand...
And if those insurances were attached to the person (and their license) instead of spread out over several vehicles the required minimum might be higher for the Uninsured Motorist coverage.
 
GoWyo said:
There are several problems with auto insurance. Another is the statutory minimum liability coverage of $25k. It's a sad deal when someone gets hit and suffers $100k in medical bills and other damages and the policy limit the at fault driver had was only $25k, if any coverage at all. UM/UIM is your only option to cover it. There ought to be a statutory minimum on the UM/UIM coverage because many consumers do not understand what it does.
Click to expand...
I wanted to say something like that but couldn't figure out exactly how to explain it.
$100k in medical bills isn't much. Anybody that's been hurt or in the hospital knows how fast things add up.
 
kenny thomas said:
Count again. 6 vehicles. None drove over 7500 miles a year. Some not 2500 a year. But each one has a purpose. Only have liability insurance on 5 of them.
Click to expand...
Weren't you driving all over the country a year or so ago? That is more than 7500 miles. Unless you actually have 7 😂😂😂
 
MrChevy said:
I wanted to say something like that but couldn't figure out exactly how to explain it.
$100k in medical bills isn't much. Anybody that's been hurt or in the hospital knows how fast things add up.
Click to expand...
And that's another great example of how we are being manipulated to spend more than is necessary. I took a good look at a gurney that was said to cost 65K in an ambulance ... and I'm sure I could make a fully functional gurney in my garage. And of course those costs are passed on and there is a standard "markup" that is justified based on "costs".
 
Last edited:
Travlr said:
And that's another great example of how we are being manipulated to spend more than is necessary. I took a good look at a gurney in an ambulance that was said to cost 65K... and I'm sure I could make a fully functional gurney in my garage. And of course those costs are passed on and there is a standard "markup" that is justified based on "costs".
Click to expand...

Your not wrong. I'd bet the one you could make would be better and last longer.
Most of the world is wasteful, throw away buy new mind set. Don't get me started on big pharmacies, doctors, hospitals, ect it's all about the money. How may times do doctors run uncertainty test, writeprescription instead if advising people to eat better and workout. A prescription isn't nothing but putting a bandage on the real issue.
 
The insurance and price of vehicles has gotten so expensive on vehicles it's hard to justify having a stable of them if they are not running every day.

My truck is like $3K a year with full coverage.
My sons is like $1200 with liability
F150 is around $1k with liability
My diesel is around $1200 with liability. That's a little risky bit I wasn't paying another $3K for full coverage on a truck with 220K miles.

That made no sense. Full coverage on my new truck was the same as my truck with 220K miles. Try figuring that on a calculator. 🙄

One, maybe 2, are about to get re-homed.
 

Latest posts

Top