tonycondon
Gastons CRO (Chief Dinner Reservation Officer)
At what point do you decline comprehensive and collision coverage on your car?
When the cost of the insurance is greater than your estimation of the likely value it brings.
If your car has a replacement value of, at most, a couple of grand, you likely are better-off self-insuring for the risk. This is especially true if you are a careful driver, and are most likely to have an accident, if at all, that is the result of the "other guy."
I'd bet you're a safe driver, Tones.
thats the situation im in, my car has 130K miles on it and is probably worth 2500, best case. I can save 330 bucks a year by getting rid of the comprehensive and collision. thats 50% of the premium. the deductible for each is 250, so just to break even id have to nearly total the car. every year.
im accident free since I was 17, with one well deserved speeding ticket in 2007.
When the car is worth less than the deductible on collision and comprehensive?
The "comprehensive" part of coverage can be useful even if the car is begging for the junkyard, as it may cover theft of contents, and usually covers glass damage when that rock flies out of the truck ahead of you.
At what point do you decline comprehensive and collision coverage on your car?
Take a look at uninsured and underinsured coverage if you don't already have that supplementing your liability. It's really cheap, and I'd bet that there are more people driving around without insurance these days...
$0 deductible comprehensive is not an insurance payment, it is an investment that pays off. I forget how many windshields I've gone through on my Jeep. Damn thing is a rock magnet. I'm surprised State Farm continues to allow me to have that coverage. And I've got more battle scars that are eventually going to result in yet another windshield on that thing.
Is it a Wrangler? If so, it might not be rocks causing the cracks (of course, if you SEE the rock hit it.....). I have read where TJ's in particular are bad about cracking due to uneven heating from the defroster. The heat in these things works amazingly, but the air isn't spread out very well coming out of the defrost vents. This leads to uneven heating of the glass and, with expansion joints being too small, causes the windshield to stress and eventually crack.
Isn't this a feature in a Jeep?
I always wanted one -- got one -- three years later, I sold it for what I paid for it -- another guy wearing rose-colored glasses....
I have never, ever regretted selling it.
Is it a Wrangler? If so, it might not be rocks causing the cracks (of course, if you SEE the rock hit it.....). I have read where TJ's in particular are bad about cracking due to uneven heating from the defroster. The heat in these things works amazingly, but the air isn't spread out very well coming out of the defrost vents. This leads to uneven heating of the glass and, with expansion joints being too small, causes the windshield to stress and eventually crack.
1999 TJ (Wrangler). You nailed that one. Sometimes there's a crack (got one now, but it's low and centered behind "stuff" on the dash), but usually it's the "round" impact craters from flying rocks on the interstate. And it's the impact craters in the area swept by the wipers that get the insurance company to write checks most often for me. In the same time period we've replaced zero windshields on my wife's 1997 Grand Cherokee and its sucessor, a 2006 Commander. I've never had a vehicle go through so many windshields.
Jeeps are definitely a love-hate relationship.
I kinda got spoiled by the off road capabilities of the M1A1 tank ....
Florida requires insurers to cover windshields. I've had several replaced for free over the years. And on one occasion, we'd moved to Tennessee, same insurance company and same policy, and it was not covered.$0 deductible comprehensive is not an insurance payment, it is an investment that pays off. I forget how many windshields I've gone through on my Jeep. Damn thing is a rock magnet. I'm surprised State Farm continues to allow me to have that coverage. And I've got more battle scars that are eventually going to result in yet another windshield on that thing.
According to Tom Clancy, if there's a place you can't get to with a HMMWV, you didn't want it anyway.HMVWW is too wide for rocky, serious woods work (though its climbing ability is awesome).
According to Tom Clancy, if there's a place you can't get to with a HMMWV, you didn't want it anyway.
I can't imagine a CJ/TJ as a daily driver in the frozen North, though. Yow.
Actually, he was quoting someone in the military in one of his factual books, I think on the armored cavalry. I just went looking and couldn't find my copy, unfortunately.Yeah... Tom Clancy's spent LOTS of time in the field...
(not)
Actually, he was quoting someone in the military in one of his factual books, I think on the armored cavalry. I just went looking and couldn't find my copy, unfortunately.
TC spins a great yarn, but he's a bit too gullible.
Ah, the "laws" of physics are just theories that have proven remarkably consistent over time. They're invented by the human mind. Useful stuff, no argument, but they just show you which outcome is most probable.
Mathematics and science describe and predict. They never prove. Like "money", they're a shared myth that is useful.:yinyang: