Insurance rate & Hummer data

[Hum2]

Well Mac:

Insurance???, I've seen many a post on premiums. I have one of the worst companies, (Allied) covering my H2 and I am looking for a better deal. I get wacked over $2000 a year for my H2, simply because this company calls it "an unacceptable" vehicle....Hummm, why did they do that when they had no statistics at the time I bought? If you ask me, they are just ripping me off.

The insurance industry plays all over these "so called" statistics...like their recent claim that they need to raise SUV rates because SUV's do more damage to other vehicles when in an accident. Bunk! That would be pretty obvious since they weight more/are larger. But they neglect to point out that SUV drivers tend to be safer drivers because they are generally older people and they don't accelerate/deccelerate like sports car (younger) drivers.

I despise insurance companies and so should all smart Americans, (exception, those in the business of ripping us off)! Have you looked at how much of your paycheck goes to insurance lately...they are taking too much of our money, and not providing us much in return. Take a look around you...how many insurance companies do you see leasing old rundown buildings....probably none, they have some of the nicest facilities (banks and hospitals are another group as well....related to insurance?...Hummm???) And anytime the insurance companies really do pay out, they simply cry out, raise the rates, and build yet another new building. Well at least they keep the office supply places in business with brand new furniture for their brand new buildings.

Yeah, I have other issues here, like when my daughter gets hit by a lady (who thought she was going to be rear ended at a stop light, so she jetted into the intersection) and even though the police report states it was caused by the lady, I get socked paying the bill for both cars. What a crock!!! Or like when I have to sue my own company to pay on an "underinsured" claim because the other drivers insurance was insufficient to cover the bills! What the heck do I pay that premimum for anyway!

I suppose the next step will be to increase your premium if your vehicle ever touches dirt, or at least not pay on those claims.

Alec is correct, the number of off-road claims are minimal, and generally don't involve other vehicles/property. But you can bet the insurance companies will have some statistic...like when an off-road accident occurs, it causes more damage than your typical mall parking lot accident! DUH!!!

Ric

OMAHOG/IHOG
Hum2@cox.net