Abercrombie wrote:
Steve wrote:
Even the slow drivers are at risk of accident; wait, aren't they at greater risk than the average driver?
Well, you could be saying that the faster you go, the safer you are, which is tosh. So I'll be kind and assume you you're getting the point - the average speed is too high, and they endanger other drivers as well as themselves. The answer? A slower average.
Steve wrote:
It doesn’t detract from the error that only bad drivers desire fully comp.
You can't have it both ways. If good drivers desire fully comp against crashes, then the inference is that it isn't good enough to be good. No matter how good you are, a crash is still a plausible outcome of every journey you make. Sobering, eh?
Fully comp ist not about being insured against a crash which you may cause or may be caused to you by another muppet - whereby your inusrer pays for the repair und recoup cost from the third party's insurance - assuming he or she has policy
)
You are also insuring against theft/stone chip hitting windscreen/other damages to lovely toy-boy.
abercormbie wrote:
Anyway, stop side-tracking us. You still haven't yet explained how you'd offset the lack of care in those who won't have a pay a penny if they screw up and knock a kid over. You don't have to trust me - the facts of the matter are discussed in the literature (
http://en.wikipedia.org/wiki/Insurance# ... s_too_much). dcbwhaley gets it, so why can't you? Insurance creates higher risk by making the insured less risk-averse ; that's the way of the world, and it's time you came out of your denial.
We have fully comp insurance. We are still do our best to maintain our safety margins at all times as we do not want any loadings on premium.
Most folk think likewise - apart from those who never bother to insure in first place
Abercrombie wrote:
Looks, let's band up here and change the world for the good of all. Just knock a few mph off the top, and relax a bit. If we all join in, pretty soon we'll make a dent in the accident rates. Just give it a try, instead of harping negatively from the sidelines.
PS: safer cars have the same effect. Drivers become less risk averse if they drive a safer crate. It's well known.
Nope. Because they cost a shed load of dosh - we tend to look after them as matter of pride und any residual value at end of three/four year period. Because we can pass on a well maintained vehicle with a solid service history at reputable garage - we've sold past cars at above market value in the past. I think we may have problem in credit crunch times though und will be lucky to break even as und when we sell current Jags - which we have actually decided to keep und let our older kids use them whilst we are away abroad.
Driving too slowly for the conditions ist as equally inconsiderate to the other road users as driving too slowly for the conditions. A good driver will blend into the prevailing traffic conditions easily und safely .. as will a good cyclist.
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