Insurance Companies Say Teens Suck At Cars
MonsieurEvil
Join Date: 2002-01-22 Member: 4Members, Retired Developer, NS1 Playtester, Contributor
Join Date: 2002-01-22 Member: 4Members, Retired Developer, NS1 Playtester, Contributor
in Off-Topic
<div class="IPBDescription">And I agree.</div> <a href='http://money.cnn.com/2003/10/30/pf/autos/bad_drivers/index.htm?cnn-yes' target='_blank'>http://money.cnn.com/2003/10/30/pf/autos/b...dex.htm?cnn-yes</a>
Best quote of the article, from an Insurance Underwriter:
<!--QuoteBegin--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->"In the end we're very, very bad at predicting who is going to have an accident," said Finnegan, "I can't predict, for any individual person, who's going to have an accident within the next year."
"Except for students," added Robert U'Ren, QPC's vice president for business development and underwriting. "They're a bad risk."
<!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
Now stay off the road you teenangsters, and let me drive in peace!
Best quote of the article, from an Insurance Underwriter:
<!--QuoteBegin--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->"In the end we're very, very bad at predicting who is going to have an accident," said Finnegan, "I can't predict, for any individual person, who's going to have an accident within the next year."
"Except for students," added Robert U'Ren, QPC's vice president for business development and underwriting. "They're a bad risk."
<!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
Now stay off the road you teenangsters, and let me drive in peace!
Comments
MUAHAHAHAHA!!!!
yes I don't pay car inurance b/c I am a New Yorker, and we don't need no stinkin cars!
(though badgers are ok, don't wory Forrester
Yeah, I'm getting my drivers license now. I actually had my 4th on road driving time today. Btw, how hard it is to get a drivers license in other countries? Just out of curiosity, because I think thats the problem in US. The lack of skill needed to get drivers license, at least in florida(my english teacher told horror stories from the time he lived there) <!--emo&:D--><img src='http://www.unknownworlds.com/forums/html/emoticons/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif'><!--endemo-->
Well, how it's generally? Or how it's in...where-ever-tornado-annihilated-roach-swarming-rabies-infected(courtesy of Mons) area you live in <!--emo&:)--><img src='http://www.unknownworlds.com/forums/html/emoticons/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif'><!--endemo-->
What my teacher told us about Florida seemed like a pretty obvious reason for teenagers car accidents. You had to be able to drive in a circle on a closed course and stop next to a stop-sign. Whoa, must be hard <!--emo&:D--><img src='http://www.unknownworlds.com/forums/html/emoticons/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif'><!--endemo-->
There is no justice in the world.
What my teacher told us about Florida seemed like a pretty obvious reason for teenagers car accidents. You had to be able to drive in a circle on a closed course and stop next to a stop-sign. Whoa, must be hard <!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
Again, there is no 'generally'. Unless you have taken the test in all 50 states, no one here has any idea. In Illinois, where I got my license (15 years ago, nubs), it was a written test, then 2 road tests. There was no closed course. Florida being lax would not surprise me, as it is the home of the Marlins, european tourists, Miami Sound Machine, and is thusly, degenerate. Try to wrap your tiny hedgehog brain around the concept of America, where most of our large cities have more people that your entire frozen country. <!--emo&:p--><img src='http://www.unknownworlds.com/forums/html/emoticons/tounge.gif' border='0' style='vertical-align:middle' alt='tounge.gif'><!--endemo-->
And North Carolina has hurricaines and misquitos, not tornados and roaches. Not sure about the rabies...
And North Carolina has hurricaines and misquitos, not tornados and roaches. Not sure about the rabies... <!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
Yes, you have big cities but what that has to do with the driving test? I mean can it really be 'that' different in different states? Isn't there some common lowest denominator for the test, so that every state has to maintain at least some sort of requirements for the license?
Anyway, if it's not poor driving tests, then it must be the gamma rays generated and emitted by supernovas that affect the minds of your young ones, making them dumb when they stay for a long time in the car exposed to the radiation. Edit: And the reason for MonsE being such a noble and careful driver is because his thick skull blocks all the radiation.
Just a theory. Your part of the ozone layer is thinner after all <!--emo&:p--><img src='http://www.unknownworlds.com/forums/html/emoticons/tounge.gif' border='0' style='vertical-align:middle' alt='tounge.gif'><!--endemo-->
please tell me you smashed there mustang good
<!--emo&:D--><img src='http://www.unknownworlds.com/forums/html/emoticons/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif'><!--endemo-->
Best quote of the article, from an Insurance Underwriter:
<!--QuoteBegin--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->"In the end we're very, very bad at predicting who is going to have an accident," said Finnegan, "I can't predict, for any individual person, who's going to have an accident within the next year."
"Except for students," added Robert U'Ren, QPC's vice president for business development and underwriting. "They're a bad risk."
<!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
Now stay off the road you teenangsters, and let me drive in peace! <!--QuoteEnd--> </td></tr></table><span class='postcolor'> <!--QuoteEEnd-->
Doesnt really matter now does it.
Insurance costs more than a car.......I know, lets look for more discrimination against us with Dimond Car insurance for woman only. There should be an insurance company for gamers since we have faster reflexes and can trak more moving objects at once.
Why a premuims so high?
The biggest killer of teenagers is road accidents, most of them not in the vehicle.
that sounds like a plan to me
there is a time to fool around and a time not to
driving is a time not too, It's a big responsibility and I need to get my effing permit
My current car, a 1.1, Citroen Saxo would cost me £2100 or so to insure fully under my name. My old car, a 1.3 Volkswagon Golf would have costed £2500. Currently i'm paying about £600 or so a year because it's all under my father's name, but with me as the named driver.
Car insurance is a joke, but then again, having insurance makes me not want to have an accident, they tear you a new arsehole if you do. My brother got his car broken into a few years back, got his cd player and a bunch of cds stolen, the insurance company weren't happy with him for even claiming.... he changed companies then. Something tells me they don't like actually paying out for anything.
Kids get a license without having ever driven before.
Because their parents lie and say that they've driven however many miles are required.
I hate stupid people
To merge:
Take a quick glance to make sure there isn't someone directly next to you. Don't worry if they're slightly behind you, they have brakes too.
Make sure they look like they actually have a lisence and know what a brake is.
Count to three.
Pray.
Merge.
<!--emo&;)--><img src='http://www.unknownworlds.com/forums/html/emoticons/wink.gif' border='0' style='vertical-align:middle' alt='wink.gif'><!--endemo-->
I've only ever gotten into one accident in Chicago, and that was because some idiot did one of those 'oops' lane changes where they whip into the next lane to make a turn/whatever and smacked into me. Never went on my insurance record. Never gotten any tickets ('cept a parking ticket, for like.... $8), heh..
its a load of crap, and insurance rates are so high for 16 year olds that my parents didnt let me get my liscence till i was 19! saved them a few grand i suppose, even if it did ruin my highschool social life. out here in the wide open country, without a car you are stuck in your house, there is literally nothing in walking distance. well maybe one friend and one gas station. so we mainly got to play with illegal activities in the fields, sicne we couldnt find a ride to any legal activities.
horrible horrible state of affairs. what we need is public transport so not everyone needs a friggin car.
<!--QuoteBegin--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->There should be an insurance company for gamers since we have faster reflexes and can trak more moving objects at once.<!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
That would own. Hovaring Scorpian Insurance Co...
Kids get a license without having ever driven before.
Because their parents lie and say that they've driven however many miles are required.
I hate stupid people <!--QuoteEnd--> </td></tr></table><span class='postcolor'> <!--QuoteEEnd-->
That's kind of what I was suspecting. Around here everyone goes to driving school where he has to do like 20 theory lessons and 20*25min driving times. Even then you have the driving teacher sitting next to you ready to grab the steering wheel and he has brake and clutch(sp) on his side too. If you don't want to go to driving school and want your parents to teach you how to drive, they have to install brake and clutch on the other side too(2nd drivers side).
After that you have to do the theory test and driving test. The latter is pretty hard. You have to drive in traffic all around the downtown and on the highway. Forget to use the winker a time or two and you won't pass. That's phase 1. Then comes phase two; you get a temporary drivers license for 6 months and after that you still take phase 2 tests which include night driving, slalom shizzle on course and driving on ice. THEN if you pass all that you get a permanent drivers license.
Yes, I live in a totalitarian police state.
After that you have to do the theory test and driving test. The latter is pretty hard. You have to drive in traffic all around the downtown and on the highway. Forget to use the winker a time or two and you won't pass. That's phase 1. Then comes phase two; you get a temporary drivers license for 6 months and after that you still take phase 2 tests which include night driving, slalom shizzle on course and driving on ice. THEN if you pass all that you get a permanent drivers license.
Yes, I live in a totalitarian police state. <!--QuoteEnd--> </td></tr></table><span class='postcolor'> <!--QuoteEEnd-->
You live in Illinois then. That's what I went through in drivers education course (mandatory at school) for 6 months. You are not unique or interesting, and you must be terminated. TERMINATED!!!!!!!!!
<!--emo&:p--><img src='http://www.unknownworlds.com/forums/html/emoticons/tounge.gif' border='0' style='vertical-align:middle' alt='tounge.gif'><!--endemo-->
After that you have to do the theory test and driving test. The latter is pretty hard. You have to drive in traffic all around the downtown and on the highway. Forget to use the winker a time or two and you won't pass. That's phase 1. Then comes phase two; you get a temporary drivers license for 6 months and after that you still take phase 2 tests which include night driving, slalom shizzle on course and driving on ice. THEN if you pass all that you get a permanent drivers license.
Yes, I live in a totalitarian police state. <!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
You live in Illinois then. That's what I went through in drivers education course (mandatory at school) for 6 months. You are not unique or interesting... <!--QuoteEnd--> </td></tr></table><span class='postcolor'> <!--QuoteEEnd-->
...I'm not an unique snowflake. I'm same decomposing matter as everything else...
Well, you had a school course at least. I have to pay 1150e for it <!--emo&:)--><img src='http://www.unknownworlds.com/forums/html/emoticons/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif'><!--endemo-->
+100e course fee + 60e for drivers license = 1300e = a cheap car
Besides, I was replying to the guy who talked about people telling themselves that they have trained enough for license. Like you said yourself: <!--QuoteBegin--Monsenub+--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> (Monsenub)</td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->it is different in 50 separate staes<!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd--> <!--emo&:p--><img src='http://www.unknownworlds.com/forums/html/emoticons/tounge.gif' border='0' style='vertical-align:middle' alt='tounge.gif'><!--endemo-->
You finlanders and your capitalist scumbag ways!!!!!!!! In illinois we employed socialism to help the people!!!!!!!!
haf haf haf.
Removing the witnesses, eh? <!--emo&:p--><img src='http://www.unknownworlds.com/forums/html/emoticons/tounge.gif' border='0' style='vertical-align:middle' alt='tounge.gif'><!--endemo-->
You finlanders and your capitalist scumbag ways!!!!!!!! In illinois we employed socialism to help the people!!!!!!!!
haf haf haf. <!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
o_O
MonsE communist? Is that a pig flying in the sky? You want to support teenagers getting their drivers licenses and on to the road with your money? You oughta really check your temperature. Put some more clothes on, you old people get sick really easy in winter.
<!--emo&:D--><img src='http://www.unknownworlds.com/forums/html/emoticons/biggrin.gif' border='0' style='vertical-align:middle' alt='biggrin.gif'><!--endemo-->
Edit: <!--QuoteBegin--></span><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->I ran them all over. No one to complain in court... <!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
Recommended choice of car: Mercedes, it has a fore targetting sight and it's easy to wash blood off from the chromed front-grating thingy.
(though badgers are ok, don't wory Forrester <!--QuoteEnd--></td></tr></table><span class='postcolor'><!--QuoteEEnd-->
oh my god lol
that reminds me of blazing saddles!!!!
WE DON NEED NO STINKING BADGES!!!!
badgers?