[Sololop]

...or other stuff like the necessity to buy a new car after an accident.

Wheres your insurance?

[Mars]

Half the people I know drive without insurance, illegally, because they feel the need to own a car but can't afford to put gas in it AND pay for insurance.

(Half is an exaggeration, probably close to a third.)

[achtung]

...or other stuff like the necessity to buy a new car after an accident.

Wheres your insurance?

Most people with low income can not afford that kind of coverage (typically pooled into "full" coverage). They can only afford "basic liability" which only covers the expenses incurred on others, and their property, not the insured, or their property.

[karajorma]

Yeah, that's why I linked to that article. It's a great example of how being poor keeps you poor because you have to buy cheaper things that break more often. Fully Comprehensive insurance is a great example of this. Poor people in general simply can't afford it, which means if they crash the car, they have no car.

[Sololop]

Yeah, depending on dozens of factors, Collision can be quite pricy.

Some people recommend public transit instead of a car to save gas. But lets say you have a fully paid off car, or a cheap used one, so theres no payments on it.

I put $20 of gas in my current vehicle to get back and forth to work and errans once per week on average. Totals $80 a month.

On the other hand, I can buy either an $80 Bus Pass good for one month, or Bus tickets, which is $16 for 12 tickets, I'd need 56 for a two-way trip every day in a 28-day (4-week example only month), totaling $74.48.

Doesn't seem that much cheaper. Also, a Bus Pass isn't worth it if you don't use it to it's fullest extent, and bus tickets are a total pain. Saving $6 doesn't seem like a great alternative.

Oh, regular fare is $2.25 per person. Mass Transit should REALLY be cheaper. It's crazy.

[Nuke]

should also point out the amount of time lost taking buses everywhere. several years ago when i lived in phoenix, simultaneously going to school and working, id end up spending 3 hours a day either on the bus or waiting for a bus (if you consider working 8 and going to school for 6 hours on top of that, hardly enough room for sleep). if i had to run a couple errands it could burn an entire day. id usually leave work 4 hours early on fridays, id make up the time by giving up breaks and most of my lunch hour the other 4 days. having a car lets you run these errands during lunch breaks and whatever and can really optimize a busy day. not that ive ever been able to afford a car.

i think my quality of life has improved since i started leeching off the government.

[Mobius]

...or other stuff like the necessity to buy a new car after an accident.

Wheres your insurance?

Most people with low income can not afford that kind of coverage (typically pooled into "full" coverage). They can only afford "basic liability" which only covers the expenses incurred on others, and their property, not the insured, or their property.

Well, I don't know how things work in your country, but in Italy there are many kinds of car insurance. There's basic insurance, mandatory, and at least two optional kinds of insurance for fires (and the like) and stealing. So, unless you pay the extra money, you can't be 100% sure of anything. There are many people who don't want to pay the extra money for a variety of reasons ("what's the chance to see your car caught by a fire, come on!", "I don't have enough money", etc.), and when accidents happen, they regret it. For example, a few months ago one of my brother's friends lost his car due to a nearby, accidental explosion, and couldn't do anything about it because he never paid the extra money for that specific kind of insurance.

[Grizzly]

I read trough that now, I think a lot of that only applies to America.

or atleast I hope so.

I'm interested in hearing your reasoning behind this.

Well, the USA is stuck in my head as a pro-corporate power. And any less-pro-corporate power would have made laws against some of the practices you see there (such as those fines). Or atleast I hope so...

[Sololop]

...or other stuff like the necessity to buy a new car after an accident.

Wheres your insurance?

Most people with low income can not afford that kind of coverage (typically pooled into "full" coverage). They can only afford "basic liability" which only covers the expenses incurred on others, and their property, not the insured, or their property.

Well, I don't know how things work in your country, but in Italy there are many kinds of car insurance. There's basic insurance, mandatory, and at least two optional kinds of insurance for fires (and the like) and stealing. So, unless you pay the extra money, you can't be 100% sure of anything. There are many people who don't want to pay the extra money for a variety of reasons ("what's the chance to see your car caught by a fire, come on!", "I don't have enough money", etc.), and when accidents happen, they regret it. For example, a few months ago one of my brother's friends lost his car due to a nearby, accidental explosion, and couldn't do anything about it because he never paid the extra money for that specific kind of insurance.

As an insurance broker myself, I get stories every day of people hoping they can make claims on losses when they don't have appropriate coverage. It's quite sad, when someone wakes up in the morning to find their car was stolen+burned by jerk kids and they didn't have the insurance to cover that.