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It's not clear to me how you can claim most of these drivers don't have insurance. Also. Nothing is stopping Karen's from reporting things right now. So what i

It's not clear to me how you can claim most of these drivers don't have insurance. Also. Nothing is stopping Karen's from reporting things right now. So what if they do? If you've done nothing wrong then the reviewer would just trash it. And probably put Karen's reports in the "immediately discard" pile in the future if she sends in frivolous claims all the time.

tamimio 2y ago
I watched dashcam videos, and most times after accidents, it turned out that there is no insurance or, worse, wrong insurance information is given, only to be found later that it’s fake. Obviously, this is not real statistics, but something I observed. > nothing is stopping Karens from reporting things True, but when you provide a platform for that, you incentivize the behavior. As mentioned below, you might start getting “points” in the app for these reports, just like how you report gas prices and get points that might win you free gas.
- IncreasePosts 2y ago
  And likewise, you might get points deducted for wasting the reviewers time with a frivolous submission.
  - nosianu 2y ago
    The far more risky and dangerous - ostensibly for the original caller too - phenomenon of swatting exists despite all that. I would not be so sure about the quality of society's controls and feedback mechanisms.
iwishiknewlisp 2y ago
Around 10-30% of drivers in the United States don't have car insurance depending on the state. It really depends on the state on how strict they are with car insurance. My state is very lax and they don't even really check at the DMV. The fine for not having car insurance is also only ~300 bucks and a 90 day license suspension and it only goes up slightly until like the 4-5 time you get caught. It just honestly doesn't make sense to have car insurance with the cost/risk that low. People who pay $50-100 bucks a month for car insurance are morons btw. You can insure yourself for like $30k, and you don't have $30k lying around paying $100 bucks a month is a terrible financial decision. Insurance in general is a whole racket. Its literally only works due to the fact people on average pay more than they receive. "Oh but what if a bad thing happens" way to live your life, disregarding economics and averages. Take out a personal loan or save the money you would spend on insurance evry year in a liquid asset (not cash that's almost as bad as insurance). Buying insurance is for npcs. Only insurance that makes sense to have is insurance that is government subsidized, but that isn't because its better its because you are forced to pay part of its cost with your taxes. Enjoy getting screwed sideways by big government, who literally paya middle man to help ensure their citizens get healthcare instead of directly to the actual healthcare facilities. Insurance offers no service, its a worse scam than banks and credit cards combined.
- ryandrake 2y ago
  It's shocking how many people are uninsured or underinsured. Plus, insurance minimums are absolutely ridiculous. Florida's minimum is $10K property damage, $10K personal injury, and they don't even require bodily injury liability. Total insanity. You crash into a Porsche full of doctors with that kind of coverage, and you're going bankrupt. Most states have a minimum of around $25K for bodily injury liability. You can't even step foot into a hospital without paying $20K, so WTF is the minimum supposed to pay for exactly? I guess a lot of drivers have so little to their name that they are judgment-proof and just don't care if they get sued for $2M.
  - whaleofatw2022 2y ago
    My state (MI) has an unlimited PIP option (used to be mandatory) but it's also no fault. It also has lots of subtle penalties for not having insurance that bite people in the butt.
  - iwishiknewlisp 2y ago
    > You can't even step foot into a hospital without paying $20K I had a surgery and was in the hospital for a week. The out of pocket cost without insurance was lile 20-30 thousand if I remember correctly. And that is without coupons discount you usually get from cash payment. I used insurance, so I don't know what the discount wiuld be, but usually its like at least 10-20%. I don't know what hospitals you got to, but 20K for a hospital visit is something I have never heard of.
- FireBeyond 2y ago
  > You can insure yourself for like $30k, and you don't have $30k lying around paying $100 bucks a month is a terrible financial decision. Certainly not here (Washington), you must have at least $60,000 AND it MUST be deposited with the DOL or State, unavailable to you, and you will not earn interest on it. How do you propose people get to and from work to come up with $30-60K in savings that they can afford just to have sitting on account with the state? > Take out a personal loan or save the money you would spend on insurance evry year You're generally paying around 9-12% on this personal loan. Say it's over 5 years (that's assuming you can afford the $1,300/month payment), you're paying $21,000 in interest. > Buying insurance is for npcs. So your solution to NOT pay $50-100 a month for insurance is to pay a lender $1,300/mo for 5 years (assuming the amounts haven't increased then)? I don't think you've actually thought this through. It literally would take you FIFTY YEARS to break even on this plan. And in the meantime, you're only "insured" for the minimums, and if you're in a car accident at fault can easily be sued for more.
RHSeeger 2y ago
> If you've done nothing wrong then the reviewer would just trash it. Or, more likely, they'll just see it as a report and raise your rates, because you've been reported by someone. Because they can; all they need is a reason. Plus, I don't like the idea that someone I don't like could editorially create a video of it looking like I was driving irresponsibly, and then my rates go up. Then they do it again and again. Example: When I leave in the morning, I take my daughter to the bus stop. I then wait for her bus to get there, she gets on, and I wait to turn left onto the road. The bus driver waves me on, to take my left before they let the other traffic go, so I don't have to wait for 20+ cars. I turn left and off I go. I expect it wouldn't be hard to edit a video of that to make it look like I pulled up to a bus picking up children and then drove through the bus stop signal illegally.
mangosteenjuice 2y ago
If we're talking about the Bay Area, anecdotally my experience is the percentage of uninsured drivers seems MUCH higher than other California metros. I have used footage from my Tesla to get evidence and plate # that I could hand over to my insurance company and the police three times. 2 out of 3 were uninsured. This was during the past two years.

tamimio 2y ago

I watched dashcam videos, and most times after accidents, it turned out that there is no insurance or, worse, wrong insurance information is given, only to be found later that it’s fake. Obviously, this is not real statistics, but something I observed. > nothing is stopping Karens from reporting things True, but when you provide a platform for that, you incentivize the behavior. As mentioned below, you might start getting “points” in the app for these reports, just like how you report gas prices and get points that might win you free gas.

IncreasePosts 2y ago
And likewise, you might get points deducted for wasting the reviewers time with a frivolous submission.
- nosianu 2y ago
  The far more risky and dangerous - ostensibly for the original caller too - phenomenon of swatting exists despite all that. I would not be so sure about the quality of society's controls and feedback mechanisms.

iwishiknewlisp 2y ago

Around 10-30% of drivers in the United States don't have car insurance depending on the state. It really depends on the state on how strict they are with car insurance. My state is very lax and they don't even really check at the DMV. The fine for not having car insurance is also only ~300 bucks and a 90 day license suspension and it only goes up slightly until like the 4-5 time you get caught. It just honestly doesn't make sense to have car insurance with the cost/risk that low. People who pay $50-100 bucks a month for car insurance are morons btw. You can insure yourself for like $30k, and you don't have $30k lying around paying $100 bucks a month is a terrible financial decision. Insurance in general is a whole racket. Its literally only works due to the fact people on average pay more than they receive. "Oh but what if a bad thing happens" way to live your life, disregarding economics and averages. Take out a personal loan or save the money you would spend on insurance evry year in a liquid asset (not cash that's almost as bad as insurance). Buying insurance is for npcs. Only insurance that makes sense to have is insurance that is government subsidized, but that isn't because its better its because you are forced to pay part of its cost with your taxes. Enjoy getting screwed sideways by big government, who literally paya middle man to help ensure their citizens get healthcare instead of directly to the actual healthcare facilities. Insurance offers no service, its a worse scam than banks and credit cards combined.

ryandrake 2y ago
It's shocking how many people are uninsured or underinsured. Plus, insurance minimums are absolutely ridiculous. Florida's minimum is $10K property damage, $10K personal injury, and they don't even require bodily injury liability. Total insanity. You crash into a Porsche full of doctors with that kind of coverage, and you're going bankrupt. Most states have a minimum of around $25K for bodily injury liability. You can't even step foot into a hospital without paying $20K, so WTF is the minimum supposed to pay for exactly? I guess a lot of drivers have so little to their name that they are judgment-proof and just don't care if they get sued for $2M.
- whaleofatw2022 2y ago
  My state (MI) has an unlimited PIP option (used to be mandatory) but it's also no fault. It also has lots of subtle penalties for not having insurance that bite people in the butt.
- iwishiknewlisp 2y ago
  > You can't even step foot into a hospital without paying $20K I had a surgery and was in the hospital for a week. The out of pocket cost without insurance was lile 20-30 thousand if I remember correctly. And that is without coupons discount you usually get from cash payment. I used insurance, so I don't know what the discount wiuld be, but usually its like at least 10-20%. I don't know what hospitals you got to, but 20K for a hospital visit is something I have never heard of.
FireBeyond 2y ago
> You can insure yourself for like $30k, and you don't have $30k lying around paying $100 bucks a month is a terrible financial decision. Certainly not here (Washington), you must have at least $60,000 AND it MUST be deposited with the DOL or State, unavailable to you, and you will not earn interest on it. How do you propose people get to and from work to come up with $30-60K in savings that they can afford just to have sitting on account with the state? > Take out a personal loan or save the money you would spend on insurance evry year You're generally paying around 9-12% on this personal loan. Say it's over 5 years (that's assuming you can afford the $1,300/month payment), you're paying $21,000 in interest. > Buying insurance is for npcs. So your solution to NOT pay $50-100 a month for insurance is to pay a lender $1,300/mo for 5 years (assuming the amounts haven't increased then)? I don't think you've actually thought this through. It literally would take you FIFTY YEARS to break even on this plan. And in the meantime, you're only "insured" for the minimums, and if you're in a car accident at fault can easily be sued for more.

RHSeeger 2y ago

> If you've done nothing wrong then the reviewer would just trash it. Or, more likely, they'll just see it as a report and raise your rates, because you've been reported by someone. Because they can; all they need is a reason. Plus, I don't like the idea that someone I don't like could editorially create a video of it looking like I was driving irresponsibly, and then my rates go up. Then they do it again and again. Example: When I leave in the morning, I take my daughter to the bus stop. I then wait for her bus to get there, she gets on, and I wait to turn left onto the road. The bus driver waves me on, to take my left before they let the other traffic go, so I don't have to wait for 20+ cars. I turn left and off I go. I expect it wouldn't be hard to edit a video of that to make it look like I pulled up to a bus picking up children and then drove through the bus stop signal illegally.

mangosteenjuice 2y ago

If we're talking about the Bay Area, anecdotally my experience is the percentage of uninsured drivers seems MUCH higher than other California metros. I have used footage from my Tesla to get evidence and plate # that I could hand over to my insurance company and the police three times. 2 out of 3 were uninsured. This was during the past two years.