Yeah and have. I had to make that very decision a few years ago. No way would I get full coverage. At the time I didn't think that insurance companies even offered it for cars that old

The victims are the American People and the Republic itself.

I'm having a hard time knowing for sure, but it seems like you guys think the only reason to have comprehensive insurance is to replace the value of your own car in the case of an accident you cause.

The victims are the American People and the Republic itself.

You can insure.... a flute.

It's more fun to be a victim

There will never be an effective vaccine. I'll never get one anyway.

You misspoke again Brick.

Comprehensive covers me know matter who is at fault.

The state of IL requires liability insurance.

It doesn't require full coverage unless you have a loan out on the vehicle.

It's more fun to be a victim

There will never be an effective vaccine. I'll never get one anyway.

You may want to read up on that and get back to me. Illinois is an at fault state.

But you now seem to also realize that your own car value isn't the reason to get or not get comprehensive coverage.

The victims are the American People and the Republic itself.

Thanks for offering Brick, but just because insurance is required, doesn't mean everyone carries it.

So it doesn't matter what IL is if people drive without insurance.

You may want to read up on that and get back to me. Illinois is an at fault state.

But you now seem to also realize that your own car value isn't the reason to get or not get comprehensive coverage.

For some drivers, it may be more economical to pay for a newer car out of pocket than it would be to commit to higher future insurance premiums after an accident.

Between 10 and 15 years after a vehicle's model year, full coverage is a poor investment. While the cost of full coverage by itself likely won't be more than what a car is worth, the cost of insurance is more likely to be higher than the value of the car after an accident. The cost of insuring a 15-year-old car after an accident represents 105% of the car's value, on average.

As one's car ages, it becomes increasingly difficult to justify paying for full coverage. A driver would pay higher premiums for full coverage only to be unable to use their insurance to fully cover the cost to replace their car if it were totaled. After two decades, the cost of full coverage car insurance would equal 141% of a vehicle's value. After 25 years, ValuePenguin estimates that the cost of full coverage insurance would be 188% of the car's value.

Benefits of switching to minimum coverage insurance
It's financially smart to keep car insurance that includes comprehensive and collision coverages on vehicles that are younger than a decade. The cost of insuring a 5-year-old car equates to 27% of the car's value.

Technically I was drunk (big surprise) and asked her if she liked a tongue up her ass.

Again, your comprehension needs work.

Not true.
https://www.valuepenguin.com/how-cost-o ... investment

That ignores the chance you take if you get injured in an accident you cause.

Technically I was drunk (big surprise) and asked her if she liked a tongue up her ass.

Again, your comprehension needs work.

But now you are simply compounding one hypothetical with another. Most people with older cars do not obtain full coverage insurance.

There isn't a hypothetical here.

Your own car value isn't the reason to get or not get comprehensive coverage. Avoiding serious and costly medical bills if you are also injured in the accident is.

Technically I was drunk (big surprise) and asked her if she liked a tongue up her ass.

Again, your comprehension needs work.

Brick yes it is. I have already made the call on that. So do most people. People (other than you apparently) do not base the decision to obtain full coverage on whether or not they MAY be Injured in an automobile accident. They base it upon the value of the car.

There isn't a hypothetical here.

Your own car value isn't the reason to get or not get comprehensive coverage. Avoiding serious and costly medical bills if you are also injured in the accident is.

The victims are the American People and the Republic itself.

Brick yes it is. I have already made the call on that. So do most people. People (other than you apparently) do not base the decision to obtain full coverage on whether or not they MAY be Injured in an automobile accident. They base it upon the value of the car.

The victims are the American People and the Republic itself.

I would say that it would be a poor choice to not consider your financial protection in the case of an accident you cause resulting in your injury but at least you now have acknowledged that the cost of the car to be replaced is not the only factor in getting comprehensive insurance over liability.

ltg,
If you had a car worth $1, would it be worth it to get comprehensive coverage over liability coverage?

Technically I was drunk (big surprise) and asked her if she liked a tongue up her ass.

Again, your comprehension needs work.

What is liability coverage?

Liability coverage pays for property damage and/or injuries to another person caused by an accident in which you're at fault. This coverage is required by most states to legally drive your vehicle.

Liability coverage is broken down into 2 parts: property damage and bodily injury.

Property damage coverage pays for damage to another person's property
Bodily injury coverage provides payment for others injured in an accident

What does liability coverage not cover for an auto accident?

Liability coverage helps cover damages you're responsible for to another party because of an accident. That means it doesn't cover damages to your property or your injuries.

It's more fun to be a victim

There will never be an effective vaccine. I'll never get one anyway.

for some reason, Michigan's car insurance costs 2x+ per year what Illinois drivers pay and 3x Ohio or Indiana rates.

The victims are the American People and the Republic itself.

Seriously Brick, that is what liability insurance is for.

Correct.

Liability covers medical and it says so on my State Farm insurance card.

What car liability insurance doesn’t cover
If you're responsible for an accident, your liability coverage won't pay to repair your vehicle, nor for injuries that you personally sustained. You’ll need separate coverages for these exposures, including collision coverage, comprehensive coverage, and medical payments coverage.

I would call your agent today to make sure you are reading it right then.
https://www.statefarm.com/insurance/auto/coverage-options/liability-coverage

The victims are the American People and the Republic itself.

for some reason, Michigan's car insurance costs 2x+ per year what Illinois drivers pay and 3x Ohio or Indiana rates.

My liability includes:
under insured
Uninsured

As well as being required to pay for our family insurance.

And the most expensive option is my collision. By far

You pay for underinsured and uninsured as an add on to your liability coverage. https://www.statefarm.com/insurance/auto/coverage-options/uninsured-and-underinsured-coverage

Once again, State Farm liability coverage doesn't include injuries to you. You pay for coverage above and beyond liability such as you now saying you pay for collision coverage.

I love being told I am wrong and then it turns out I'm not wrong. It's even better than simply always being right.

It's more fun to be a victim

There will never be an effective vaccine. I'll never get one anyway.

You pay for underinsured and uninsured as an add on to your liability coverage. https://www.statefarm.com/insurance/auto/coverage-options/uninsured-and-underinsured-coverage

Once again, State Farm liability coverage doesn't include injuries to you. You pay for coverage above and beyond liability such as you now saying you pay for collision coverage.

I love being told I am wrong and then it turns out I'm not wrong. It's even better than simply always being right.

The victims are the American People and the Republic itself.

I never once said I only pay for liability.

I pay for 7 other options besides liability.

Liability covers medical and it says so on my State Farm insurance card.

I'm not sure this is accurate any more. The state made some changes and our costs dropped by about 30% a couple of years ago. We are no longer a No-Fault state, as I understand. Insurance is still way too damn high.

I dunno, this chart says 2021: https://www.bankrate.com/insurance/car/states/

Michigan $948
Illinois $442
Indiana $367
Ohio $328

maybe it was 30 percent higher than than that number before the 2020 changes that allow folks to opt out of "unlimited lifetime medical benefits" (depending on other insurance etc). I think Michigan previously was the most expensive auto insurance in the country, now it's like 3rd or 4th most expensive. Still doesn't add up. Michigan's not a pass-thru state for trucking like Ohio/Indiana/Illinois. Shouldn't have as many pay outs for major accidents as those states.