Traffic Ticket Insurance

[Aileron]

Back to the topic, I don't think it is a good idea. The purpose of insurance (in a perfect world, not the real world) is to distribute money to those who need it due to random disaster. It takes low probability high cost events and turns them into certain probability low cost events. It capitalistically corrects for dangerous high risk behaviors.

 

Now, in the real world, lawyers dictate. Insurance is has essentially become a legalized way for lawyers to extort our money, so it is no surprise they want to insure whatever possible.

 

 

 

The reason speeding ticket insurance is not a good idea is that a speeding ticket is a punishment for a crime. Insuring speeding tickets only means that the person who committed the crime's sentence is distributed among all those paying for the insurance.

 

Suppose there was a 'convicted of a felony' insurance, and say 20 people signed up. One robs a bank, gets caught and sentenced to 20 years in jail. Due to the insurance, that 'cost' is spread among all the other users, and all twenty people, including the 19 innocent people, spend one year in jail.

 

Speeding ticket insurance is the same thing, only we are talking money instead of time, and a misdemeanor instead of a felony. The only reason this idea isn't laughable is because people break the speed limit all the time, and getting caught resembles a random event.

 

And that's the best case scenario 'perfect world' outcome. In real life, the people with the insurance will get screwed much more than this.

[NBVegita]

In conformity to my prior statements, I agree with Ail.

 

And I love how this guy tries to turn the violators into victims.

 

If you drove the !@#$%^&* speed limit/drove safely, you wouldn't have to pay ANY fines, would have a decrease in insurance premiums and get no points.

 

Just what we need to do, make Americans even less acountable for their actions than we already have.

[ESCANDAL0SA]

Not a big fan of physics eh? Being caught behind a bike actually saves your gas mileage.

 

i wasn't talking about gas mileage... i couldn't care less about gas mileage. i'm talking about just gas. being stuck behind a person on a bike is like being stuck in traffic or idling your car... it wastes gas. i've actually kept track of it. when i am stuck in slow -moving traffic or behind a slow bike rider, i actually waste more gas, then if i was to just drive fast.

 

 

----

 

and plus, i usually do about 40-50 over the speed limit on highways so i do tend to get to where i'm going pretty fast. i've only gotten 1 speeding ticket before and it was thrown out. funny thing was, i wasn't even really speeding that time. i was going down a hill and this !@#$%^&*hole decided to place himself at the bottom of the hill, when cars are accelerating. i was about 5 over the limit, but like most cops, this guy was so stupid he wrote the wrong date lmao. i'm smart when it comes to spotting cops and their radars.

 

about driving fast... i don't think it slows my brake or reaction time at all. i'm a quick reactor regardless of how fast i'm going. and plus, that's what emergency brakes are. even the dumbest/slowest people probably would have worst reaction/brake times than i do.

Edited May 30, 2008 by L0SA

[»D1st0rt]

i usually do about 40-50 over the speed limit on highways

what the !@#$%^&* is wrong with you

[Samapico]

Remind me where you live, Losa, I don't want to go anywhere near there... for obvious personnal safety reasons...

 

about driving fast... i don't think it slows my brake or reaction time at all. i'm a quick reactor regardless of how fast i'm going. and plus, that's what emergency brakes are. even the dumbest/slowest people probably would have worst reaction/brake times than i do.

http://everything2.com/!@#$%^&amp...ng%2520distance

 

No matter how fast you can react, the faster you go, the more distance you'll cover during your reaction time.

Also, the braking distance increases greatly with speed. If you double the speed, the braking distance is multiplied by 4.

Going 140 km/h instead of 100 km/h doubles the braking distance. It's simple maths. No matter how good a driver is, these points always apply.

[Dav]

Not a big fan of physics eh? Being caught behind a bike actually saves your gas mileage.

 

i wasn't talking about gas mileage... i couldn't care less about gas mileage. i'm talking about just gas. being stuck behind a person on a bike is like being stuck in traffic or idling your car... it wastes gas. i've actually kept track of it. when i am stuck in slow -moving traffic or behind a slow bike rider, i actually waste more gas, then if i was to just drive fast.

 

the physics argument falls apart when you rev your engine at them.

 

Generally at lower speed you are using less RPM which in turn uses less fuel.

 

Im supposing you brake hard from a high speed, and the accelerate as fast as possible at every opportunity which is highly inefficient. In the slow traffic tou probably achieve high revs to get back up to speed frequently after stops or clearing the bottleneck using a lot of fuel.

 

WHen at speed you are more likely to be at constant revs which have a lower average then your heavy acceleration periods.

[darkhosis]

Not a big fan of physics eh? Being caught behind a bike actually saves your gas mileage.

 

i wasn't talking about gas mileage... i couldn't care less about gas mileage. i'm talking about just gas. being stuck behind a person on a bike is like being stuck in traffic or idling your car... it wastes gas. i've actually kept track of it. when i am stuck in slow -moving traffic or behind a slow bike rider, i actually waste more gas, then if i was to just drive fast.

 

 

----

 

and plus, i usually do about 40-50 over the speed limit on highways so i do tend to get to where i'm going pretty fast. i've only gotten 1 speeding ticket before and it was thrown out. funny thing was, i wasn't even really speeding that time. i was going down a hill and this !@#$%^&*hole decided to place himself at the bottom of the hill, when cars are accelerating. i was about 5 over the limit, but like most cops, this guy was so stupid he wrote the wrong date lmao. i'm smart when it comes to spotting cops and their radars.

 

about driving fast... i don't think it slows my brake or reaction time at all. i'm a quick reactor regardless of how fast i'm going. and plus, that's what emergency brakes are. even the dumbest/slowest people probably would have worst reaction/brake times than i do.

40-50 over.. hol E SHIEEEET! now that's them crazy drivers. i actually sorta like them sometimes tho, cause if im in a rush i can follow them at a safe distance so any cop will pull them over first $ (which has actually happened once before haha).. well, id never go 50 over the limit, but maybe up to 90 or 95 on a 70.

 

but i've been driving for over 10 years now and i've only gotten one speeding ticket - the 77 in a 70 zone, and i think that's just because i drew attention to myself by passing someone going about 65 on a one lane highway. i generally go 5-10 mph over limit. here in texas (where i live) most highways are 65-70, and some even allow up to . so there's really not much point in going much faster (it really eats into your gas mileage over 65 too). if you go with the "flow of traffic" on anything but the 70+ mph limit highways or school zones, you'll basically be going 5-10 over anyhow.

 

some person said being caught behind a bike saves you gas but it actually doesnt i dont think? im pretty sure ive read somewhere that the most fuel efficient speed for most cars is around 45-60. is that correct?

Edited May 30, 2008 by darkhosis

[Incomplete]

im pretty sure ive read somewhere that the most fuel efficient speed for most cars is around 45-60. is that correct?

Depends on the revs you are doing. High revs would drink alot more fuel. Too low revs can do the same.

[ESCANDAL0SA]

i usually do about 40-50 over the speed limit on highways

what the !@#$%^&* is wrong with you

 

 

that's not alot... let's say the limit is ... MOST cars already go 100. going 20 more, isn't that much more.

 

 

@darkhosis... LOL. yea i do that sometimes too, i follow a car that's going faster than me. but on a highway, cops are driving as well...so if you're behind a pack then you're gonna get pulled over first lmao. there's this thing i'm gonna get... it costs about $600... and it lets you get away with speeding. something to do with... if a cop tries to radar you, it'll tell them that you're doing like 50 when you're really going about . i dunno how it works but i know that it works.

Edited May 30, 2008 by L0SA

[Samapico]

i usually do about 40-50 over the speed limit on highways

what the !@#$%^&* is wrong with you

 

 

that's not alot... let's say the limit is ... MOST cars already go 100. going 20 more, isn't that much more.

 

 

@darkhosis... LOL. yea i do that sometimes too, i follow a car that's going faster than me. but on a highway, cops are driving as well...so if you're behind a pack then you're gonna get pulled over first lmao. there's this thing i'm gonna get... it costs about $600... and it lets you get away with speeding. something to do with... if a cop tries to radar you, it'll tell them that you're doing like 50 when you're really going about . i dunno how it works but i know that it works.

... Maybe... just maybe you should clarify that you're speaking of KM/H. All them americans can only read MPH.

[Aceflyer]

Or maybe you could have provided units, instead of referring to "40-50 over" in one post and then referring to "20 more" in another post. If you choose not to indicate units, at least do us the courtesy of being consistent in your own posts.

[ESCANDAL0SA]

IT'S THE SAME THING. i'm not providing units for a reason. whatever your units are... "40-50" over... means 40-50 over. why is that so hard to understand?

[Aceflyer]

"40-50 over" is not the same thing as "20 more." "40-50 km/h over," on the other hand, is approximately the same as "20 mi/h over."

[ESCANDAL0SA]

"40-50 over" is not the same thing as "20 more." "40-50 km/h over," on the other hand, is approximately the same as "20 mi/h over."

 

 

ummm ok wow, you are stupid.

 

 

RE-READ what i wrote. you obviously have problems reading. !@#$%^&* brits.

 

i said... MOST people go 20 over the speed limit on highways anyway. whether that be km or miles, IT DOESN'T !@#$%^&*ING MATTER. then i said... since i go 40-50 over... that means, i'm technically only going 20 faster than everybody else who is going '20 over the speed limit', which = about 40 over the limit (which is what i said).

 

i don't pay attention to miles or km. whatever the speed limit is... i generally go over that by about 30-50 (depending on traffic and stuff).

 

i'll give it to you in UNITS since it's so hard to understand why i didn't include units to begin with.

if the speed limit is 40 KM, i will go about KM.

if the speed limit is 25 miles, i will go about 60-65 miles.

 

therefore.. it's about 40, give or take 10.

Edited May 31, 2008 by L0SA

[Aceflyer]

if the speed limit is 25 miles, i will go about 60-65 miles.

 

In that case...

 

Remind me where you live, Losa, I don't want to go anywhere near there... for obvious personnal safety reasons...

[rootbear75]

um, 60 miles an hour in a residential area w/ 25 mile/hr speed limit?

wow losa..

 

 

also, what i think Ace was trying to say is that 40km/hr is NOT the same as 40 mi/hr

so doing 80km in a 40km zone isnt as bad (or as fast) as doing 80mi in a 40mi zone

Edited May 31, 2008 by rootbear75

[ESCANDAL0SA]

rootbear, i didn't ask you nor was i talking to you.

 

I JUST !@#$%^&*ING EXPLAINED THAT I DON'T CARE ABOUT UNITS HERE.

lol. wow. you people are dense.

 

i've lived in places with KM and places with MILES... it really doesn't matter that they aren't the same.

 

if i choose to drive fast, then let me be. i don't put anyone in danger. i reach high speeds at times, but i always stop at red lights, stop signs, etc. if the cir!@#$%^&*stances allow me to drive fast (like at night) then i'll do that. if i have an open road then i'll drive fast. if i have passengers in the car, i don't go over the speed limit, same goes if i have kids in the car. i'm always well aware of my surroundings and i don't speed in school zones. so, it doesn't look like i'm doing anything wrong. unless your car appeared out of no where, or you decide to jump in front of my car... i won't get into an accident that was caused by my speeding.

 

um, 60 miles an hour in a residential area w/ 25 mile/hr speed limit?

wow losa..

 

 

also, what i think Ace was trying to say is that 40km/hr is NOT the same as 40 mi/hr

so doing 80km in a 40km zone isnt as bad (or as fast) as doing 80mi in a 40mi zone

 

well with the km, i was actually underestimating. i do tend to reach up to 90-95 km on a 40 km zone.

[Dadoc]

i've lived in places with KM and places with MILES... it really doesn't matter that they aren't the same.

 

if i choose to drive fast, then let me be. i don't put anyone in danger. i reach high speeds at times, but i always stop at red lights, stop signs, etc. if the cir!@#$%^&*stances allow me to drive fast (like at night) then i'll do that. if i have an open road then i'll drive fast. if i have passengers in the car, i don't go over the speed limit, same goes if i have kids in the car. i'm always well aware of my surroundings and i don't speed in school zones. so, it doesn't look like i'm doing anything wrong. unless your car appeared out of no where, or you decide to jump in front of my car... i won't get into an accident that was caused by my speeding.

 

 

Cause or fault may seem to be important at times. But whether they didn't see you, or you didn't see them, it really won't matter as much when someone is lying in the hospital or dead. Because the first thing they will look at is why were YOU speeding to begin with...and the speed will be the major factor of the damage/injury caused. Picture a collision at 5 mph (Must we call it a collision at this point? What the insurance company don't know, won't hurt them!)...another at 30mph (Aw man!)...55 mph (I need a new car!)...Now a collision on any part of a car at 40-50 mph faster than any highway limit (Yipes!). Can you say involuntary manslaughter? Speed makes a difference. All it takes is one slip...

 

 

But back to the topic...I think the main thing is the reliability of this insurance company to do what it claims. Most insurance companies have a credit rating which rates their ability to pay (based on it's available capital and !@#$%^&*ets), their payment history on previous claims, and possibly any complaints from customers who have made claims. These are the main factors, but there may be other factors as well. I don't know all of the details on how the rate is determined, but this company doesn't seem to be one to have a high rating (if anything). I've personally never heard of it before.

Edited May 31, 2008 by Kelaiah

[Incomplete]

there's this thing i'm gonna get... it costs about $600... and it lets you get away with speeding. something to do with... if a cop tries to radar you, it'll tell them that you're doing like 50 when you're really going about . i dunno how it works but i know that it works.

That's a radar with a scrambler inside of it. I have one.

 

!@#$%^&* brits.

Erm, shut up and finally....

 

i don't put anyone in danger.

i usually do about 40-50 over the speed limit on highways

Doing speeds like this puts people in danger, including yourself. IF someone doesn't recognise the speed you're doing and pulls out infront of you then it's likely that you will picked up with a bucket and sponge. Also doing over 100mph in the UK can have your license taken away from you instantly and you can serve sentences in prison.

 

I've gone up to 170mph in my mates evo and we only reached that speed to see how fast it would go, if you looked to the side of the car everything just disappears into the rear view mirror.

Edited May 31, 2008 by Incomplete

[NBVegita]

losa, if you rode behind a bike going 5-10 mph, you would have great gas mileage.

 

And because you seem a little uneducated on this, better gas mileage means you are having more efficient fuel usage.

 

As distort did point out, if you accelerate rapidly and brake hard at slow speeds it will not help your gas mileage as much. Still with any vehicle it simply boils down to the laws of physics, slower speeds take less force, which takes less gas. The slower you accelerate, the better your mileage.

 

Going 5mph in your car does not waste gas.

 

And agreed with Sama, no matter how good you think you are, no one has that kind of reaction time. Even if your reaction time is exceptional, the law of physics show that your vehicle will stop no faster than anyone else.

 

So if you're doing 60-65 in a residential area it will take you a minimum of 240-320 feet to stop your vehicle. So if a little boy chases his ball out in the street 100 feet in front of you, it'll be the last ball he ever chases. Of course if you're doing 120 mph on the highway and you get into an accident it will be the last drive you will ever have.

 

Honestly it's not worth further time on someone who is so immature. That is what you are. There is no excuse to drive so irresponsibly. Responsibility comes with maturity.

 

Not only have I never heard of this before, but I also, as stated previously have a problem with someone providing insurance for something that is illegal. Let alone the concept that it takes away further accountability from the American people.

[»Lynx]

Although it is fun to drive fast, and it may seem like you're in control of the car, unless you're driving an F1 car, at double the speed limit - you're not going to stop in time. Road cars aren't designed to be driven quickly, even the sporty ones, they're designed to work on the roads. At 60MPH, if you've got 32x30" tyres, ABS, TCS, Engine Breaking, and your car weighs 250KGs, you may well be able to stop your car within the time of an average car stopping at 30MPH, but at 60MPH, reaction times are doubled (on average) - therefore, that kinda speed is generally irresponsible, even if the kid shouldn't have been playing on a road, s/he doesn't deserve to die from it. :/

 

Also, fuel consumption is based on a lot of different things, but a typical speed for high fuel consumption is from 30-40MPH, if you read fuel consumption charts, they provide what's called an "Urban" reading for an idea of how many MPG you will get in built up "slow moving" areas. However, in a lot of cars now-a-days, gear ratios are changed so they're a lot more economical in slower moving areas. There are also various other "tricks" used such as only applying the first cyclinders in low REV, and in higher REV activating further cyclinders for more power.

 

I'm not sure if it was you (LOSA) that mentioned you drive an SUV, but I know you said you used to drive a Civic. The civic would have probably been a lot better in the standard MPG areas, whereas the SUV is probably a lot better in Urban areas, as their very heavy, and therefore create much more tyre drag at higher speeds, and are much less aero dynamic. Provided you drive a geared (clutched) car, in urban areas, if you keep your rev counter low, and only use engine breaking and avoid using the clutch as much as possible, you will save fuel. (Although, not much...)

 

For higher MPG, always go diesel, however, if you do, you're a tight arse, and you suck.

 

- Lynx

Edited June 1, 2008 by Aceflyer
Irrelevant sections removed

[NBVegita]

http://money.cnn.com/2006/05/01/Autos/driv...r_mpg/index.htm

[Samapico]

i'll give it to you in UNITS since it's so hard to understand why i didn't include units to begin with.

if the speed limit is 40 KM, i will go about KM.

if the speed limit is 25 miles, i will go about 60-65 miles.

 

therefore.. it's about 40, give or take 10.

wow...

 

So... depending on the country you're in, you'll go at a different speed (for a same speed limit) ?

 

Also, you'd drive 70 km/h in a 30 km/h school zone? :/

[Aceflyer]

And agreed with Sama, no matter how good you think you are, no one has that kind of reaction time. Even if your reaction time is exceptional, the law of physics show that your vehicle will stop no faster than anyone else.

 

So if you're doing 60-65 in a residential area it will take you a minimum of 240-320 feet to stop your vehicle. So if a little boy chases his ball out in the street 100 feet in front of you, it'll be the last ball he ever chases. Of course if you're doing 120 mph on the highway and you get into an accident it will be the last drive you will ever have.

 

Honestly it's not worth further time on someone who is so immature. That is what you are. There is no excuse to drive so irresponsibly. Responsibility comes with maturity.

 

Agreed NBVegita.

Edited June 1, 2008 by Aceflyer
Irrelevant sections removed

[»Lynx]

Edited June 1, 2008 by Aceflyer
Irrelevant sections removed