Speed Limit 80 in texas!

[Jiro]

life insurance. get'em.

 

[Glenn]

point is - if you are the cause of fatality, your insurance company will be held liable for it... thus they will be handling your litigation & settlement... not you.

after that.... yea good luck finding a new insurance.

"a very few claims" is the culprit of high insurance premium rate. It doesn't matter if you filed 2 claims over 3 years or 5 years. Claim's a claim and their money is lost. Insurance companies are that ruthless but hey... it's their money and ass.

I figure a person with a lot of claims is riskier for an insurance company to cover. Not someone with few or no claims. Lots of claims = payouts.

As for being the cause of a fatality (or accident) and the insurance company being liable--they are only liable up to a certain point. Beyond that point, you can be held liable. I think that is where underinsured coverage comes into play.

 

[Jiro]

I figure a person with a lot of claims is riskier for an insurance company to cover. Not someone with few or no claims. Lots of claims = payouts.

yes and no.

A person with few claims - it can be costly. Claim's still a claim and money is lost. thousands of dollars are gone but whose money is actually gone? the other people paying premiums like you and me. It takes only 1 claim for your insurance premium to skyrocket. Ever wonder why Allstate insurance frequently advertises with emphasis on its "Accident Forgiveness" policy?

but what happens if the insurance cannot afford to pay a costly damage/litigation? they have another insurance company to cover it.... hence Umbrella Insurance.

A person with lot of claims wouldn't make much sense in this situation because one would not be able to afford insurance to begin with or one would get kicked out by their insurance company... and one would be most likely be suspended from driving.

As for being the cause of a fatality (or accident) and the insurance company being liable--they are only liable up to a certain point. Beyond that point, you can be held liable. I think that is where underinsured coverage comes into play.

if it's beyond the limit - it's most likely that victim's insurance will pay the rest. it is possible that your insurance will pay more than the limit. that's what litigation is for.... something that you do not have to deal with... hence the purpose of having insurance - you are covered.

that's why I pay extra for my insurance coverage to cover me in case of other driver's underinsured coverage. Around here..... I've gotta protect my ass because I know there are tons of uninsured/underinsured/illegal drivers.

Civil Lawsuit will be brought against you if you were uninsured but then... good luck to them to collect anything worthwhile from you to the amount owed to them. that's why it's a common misconception that victim would reap in $$$$$$ from bad car accidents. it's all myth.

the reality is.... the victim or victim's family doesn't really get much $$$$ if shit happened. look at many families who lost their fathers to accidents. they suffer debt... hence the purpose of life insurance.

 

[sequoias]

I would say that is false because if that's the case, then majority of people can't afford cars in West Virginia because the local speed limit in suburb/rural area is 55mph and people regularly drive at 65+. The insurance company doesn't have to worry about "injury" when it comes to high-speed accident.... because it will result in fatality. Fatality's cheaper than injury anyway. a lot cheaper.

the math of insurance premium rate is really based on number & frequency of accidents in your area, the cost involved, and other variables such as type of car you have, your age, record, etc.

my motorcycle insurance rate was just about $200 per year in NJ while just a river across... NYC rate was about $1,500 per year (if I remember correctly).

Yeah, insurance rates are higher in Washington state than here in Iowa because of higher theft rates in Seattle area is one of the reasons.

 

[Glenn]

Yeah, insurance rates are higher in Washington state than here in Iowa because of higher theft rates in Seattle area is one of the reasons.

I lived in Ellensburg for 8 years. My premiums were never more than $175/6 months if I remember. And I have more than the minimum coverage.

 

[Jiro]

I lived in Ellensburg for 8 years. My premiums were never more than $175/6 months if I remember. And I have more than the minimum coverage.

oh.... how I wish my premium is $175/6 months....

 

[Glenn]

oh.... how I wish my premium is $175/6 months....

Yeah, I get that a lot.

 

[Daredevel7]

Don't believe it? simply take a look at 4-ways intersection with traffic light. Compare that to intersection with roundabout in terms of safety and accident rates.

That is an awful awful comparison. Places who usually have a roundabout intersection have a much lower car density (residential area). Show me statistics that show the NUMBER of cars that pass through a roundabout intersection vs a traffic light intersection then the accident rates. Need to compare 2 different intersections with the same car rates.

 

[Jiro]

That is an awful awful comparison. Places who usually have a roundabout intersection have a much lower car density (residential area). Show me statistics that show the NUMBER of cars that pass through a roundabout intersection vs a traffic light intersection then the accident rates. Need to compare 2 different intersections with the same car rates.

I already did in old threads. btw - I am comparing 1 SAME intersection with 2 different traffic systems - roundabout (and/or STOP signs) vs. traffic lights

Dozens of major cities especially European countries have already used this approach. The result was a reduction in accidents..... in SAME location. Same result applies to replacing traffic lights with STOP signs.

just to feed a hungry shark like you.... here -

Crash reductions related to traffic signal removal in Philadelphia (abstract only though)

The effect on intersection crashes of converting one-way street intersections in Philadelphia from signal to multiway stop sign control was estimated. Using crash and traffic volume data for a comparison group, regression models were computed to represent the normal crash experience of signal controlled intersections of one-way streets, by impact type, as a function of traffic volume. An empirical Bayesian procedure was used to estimate what would have been the expected number of crashes at the converted intersections had they not been converted. The empirical Bayesian estimates were compared with actual counts of crashes after conversion. Estimates were obtained for different classes of crashes categorized by impact type, day/night condition, and impact severity. Aggregate results indicate that replacing signals by multiway stop signs on one-way streets is associated with a reduction in crashes of approximately 24%, combining all severities, light conditions, and impact types.

 

[Daredevel7]

One way streets? Looks like it's a result of people not knowing what to do at a traffic light at a 1 way street.

What about the MOST common intersection: 2-3 lane intersections?

 

[Jiro]

What about the MOST common intersection: 2-3 lane intersections?

people die.

 

[Misty_Lily]

OMG I hope they do raise the speed limit to 80. I live in Texas. I just moved to TX from MN in April, and I am shocked at the speed limits here, they are so lame! And Texas has a nighttime speed limit?! I never heard of such a stupid thing!!!

In MN and WI we would think nothing of doing 70-80 mph, even in rain!

Oh yeah, I noticed that here peeps can't drive worth shit in rain! :jaw:


-- I don't know if any people remember or not (sorry I didn't read all the post on this subject) but a few (or five) years back, the speed limit was already 70-75 here in Texas. And then they lowered it due to, what, accidents? :roll:

People can't drive here in Texas, I'll agree; it has been like that ever since I learned how to drive back in '93.

 

[Tousi]

OMG I hope they do raise the speed limit to 80. I live in Texas. I just moved to TX from MN in April, and I am shocked at the speed limits here, they are so lame! And Texas has a nighttime speed limit?! I never heard of such a stupid thing!!!

In MN and WI we would think nothing of doing 70-80 mph, even in rain!

Oh yeah, I noticed that here peeps can't drive worth shit in rain! :jaw:


-- I don't know if any people remember or not (sorry I didn't read all the post on this subject) but a few (or five) years back, the speed limit was already 70-75 here in Texas. And then they lowered it due to, what, accidents? :roll:

People can't drive here in Texas, I'll agree; it has been like that ever since I learned how to drive back in '93.

Methinks you won't be long for this world driving like that.

 

[KristinaB]

Insurance rates here in Florida are ridiculous. I pay monthly as an auto-debit from my checking account. Right now, I have full coverage on a 2002 Mercury Sable GS, Minimum coverage on a 2000 Ford Expedition and a 1995 Ford Explorer both of which have 4-wheel drive. I pay $296 per month. Now, in Missouri, I paid monthly auto-debit for full coverage on all three of the same vehicles, a boat, an outboard motor and a boat trailer as well as a mobile home. (boat was really and truly 3 separate policies). That coast was $174 per month.

I also had to change insurance companies due to the fact they the one I had for 15 years, is no longer doing new policies in Florida. The hurricanes really wiped them out.

 

[whatdidyousay!]

Higher speed leads to more gas consumption, bad idea.

Yeah ,this is a real bad idea now that the cost of gas is going through the roof! I bet the gas companies love this new speed limit! They'll be laughing all the way to bank!

 

[sequoias]

Wirelessly posted (sent from a smartphone. )

Yeah, insurance rates are higher in Washington state than here in Iowa because of higher theft rates in Seattle area is one of the reasons.

I lived in Ellensburg for 8 years. My premiums were never more than $175/6 months if I remember. And I have more than the minimum coverage.

Not surprised about Ellensburg cause its a small town far from Seattle. Depends what you drive, too.

 

[sequoias]

Wirelessly posted (sent from a smartphone. )

Higher speed leads to more gas consumption, bad idea.

Yeah ,this is a real bad idea now that the cost of gas is going through the roof! I bet the gas companies love this new speed limit! They'll be laughing all the way to bank!

Yep, sadly.

 

[webexplorer]

Yeah ,this is a real bad idea now that the cost of gas is going through the roof! I bet the gas companies love this new speed limit! They'll be laughing all the way to bank!

Oh yes, they are definitely laughing all the way to the bank everyday!!


I think that it is just a bullshit for playing game with us. Look the presidents and some top employees are always having a blast time. My mother called her agent on a cellphone, and the agent was in Alaska with his team and vice presidents on a big sailboat. They were having a wine and looked out the view of ocean and land. She heard the background sound laughing. Ugh! When you see some bigger boats on the main rivers, you will remember this one.

 

[Jiro]

Raising speed limits also means the consumption of more gasoline.

Yes, I agree. To help conserve gas, we need to REDUCE the speed limit and impose stricter fines for speeding. If it was taken more seriously by the law enforcement, it would be taken more seriously by motorists.

Logic dictates that one has a common sense to drive slower in order to conserve gas because one is paying for gas..... not government.

 

[webexplorer]

Here is a really good one. He really drive that fast...

[ame=http://www.youtube.com/watch?v=tKg5-asGRHY&feature=player_embedded]YouTube - Airplane Lands on Jeep on Freeway[/ame]