No car for me

[clawhammer]

Originally Posted by -Jayson-

uhh incase you dont know, if you making payments on a car, You must carry full coverage at all times. No matter what. Its part of the contract when you sign for a loan on the car.

All I would need is to cover it i case it got stolen or vandalized. I wouldn't need liability or collision. Maybe I should ask insurance about that, but I'm pretty sure that I can do that.

[CBFryman]

i still say at least FIX the CRX. $40 scrap alternator is all it probably needs. and for that itwill increase the cars trade in by a LOT.

[BlackGT2000]

Originally Posted by clawhammer

All I would need is to cover it i case it got stolen or vandalized. I wouldn't need liability or collision. Maybe I should ask insurance about that, but I'm pretty sure that I can do that.

Liability I think does have to stay on. Could be a tree falls on the car, garage burns down...that kind of thing should be covered with liability. Collision, you can't colide with anything if you aren't driving it, I take that off every winter.

[-Jayson-]

Originally Posted by BlackGT2000

Liability I think does have to stay on. Could be a tree falls on the car, garage burns down...that kind of thing should be covered with liability. Collision, you can't colide with anything if you aren't driving it, I take that off every winter.

noo see thats where your wrong cause the bank doesnt trust you not to drive it. If they find out your canceling collision, they might raise your interest rates. If you loaned me 20k for a car, and i canceled collision and parked it in the winter, would you trust me not to take it out for a quick spin.


Anyways fuck the CRX, get the S2000 kicks major ass.

[clawhammer]

Originally Posted by BlackGT2000

Liability I think does have to stay on. Could be a tree falls on the car, garage burns down...that kind of thing should be covered with liability. Collision, you can't colide with anything if you aren't driving it, I take that off every winter.

That's not the way I understand it. Liability is say you cause an accident, and liability will pay for the other persons car and medical bills. Comprehensive will pay for your car if it burns down, gets stolen, etc. Collision will pay for your car if you have an accident.

[-Jayson-]

nope your all wrong. Michigan has whats called no fault insurance. This means that no matter who caused the accident, YOUR insurance company is responsable for YOUR repairs and YOUR repairs only. Trust me this is how it works. 2 summers ago i got rear ended, the guy who hit me got a ticket, but my insurance still payed for all the repairs. HIs insurance company gave me 500 bucks to cover my deductable, and in michigan thats all you can get from the other persons insurance company. If you want more, you have to take the person to small claims court.

My younger brother also got into an accident, again he wasnt at fault for it. He has just basic insurance, liability only. His car was totalled, he got 500 bucks from the other guys insurance company. Thats all he got. The car was worth prolly 1500 bucks, it was a junker, but he still could only get 500 bucks from the other guys insurance company. ANd the guy did have full coverage, he was driving a very nice car, it was an older man. So like a Lincoln Continental or something.

[TheStang00]

^^ thats not how it works here... some guy backed into my car and his insurance covered it all since he was liable. my insurance never even knew it happened

[clawhammer]

Originally Posted by -Jayson-

nope your all wrong. Michigan has whats called no fault insurance. This means that no matter who caused the accident, YOUR insurance company is responsable for YOUR repairs and YOUR repairs only. Trust me this is how it works. 2 summers ago i got rear ended, the guy who hit me got a ticket, but my insurance still payed for all the repairs. HIs insurance company gave me 500 bucks to cover my deductable, and in michigan thats all you can get from the other persons insurance company. If you want more, you have to take the person to small claims court.

My younger brother also got into an accident, again he wasnt at fault for it. He has just basic insurance, liability only. His car was totalled, he got 500 bucks from the other guys insurance company. Thats all he got. The car was worth prolly 1500 bucks, it was a junker, but he still could only get 500 bucks from the other guys insurance company. ANd the guy did have full coverage, he was driving a very nice car, it was an older man. So like a Lincoln Continental or something.

I'm aware that Michigan has the no fault insurance. But my question is, who paid for your medical bills, or did you not have any? I still don't think I need any other insurance other than comprehensive.

[-Jayson-]

i didnt have any medical bills, and if i did my insurance would pay for it

insurance is not something you want to cheap out on

[CBFryman]

PIP = Medical Bills

[turtlecrxsi]

From my understanding, most bank loans require full coverage. Even a small title loan, the bank holds the title and you need full coverage. Either way, S2000 is a decent enough car. I like them, but I'd rather drive a mint CRX with a swap unless the S2000 was hard-covered and blown... my .02