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How long will the pandemic continue to be the reason and justification for everything? 5 years? 10 years? Are any politicians working on a plan to solve the problems that were created?
Increasing the deductible reduces the cost of the premium.
The entire country is controlled by big insurance and big pharma. It’s insane.
The pandemic created numerous issues with supply chain, as did international trade policy. Many of those parts are produced in China and other Asian nations. Shipping is more expensive, the labor is more expensive. There are tariffs in place. I’m still waiting for my mechanic to let me know they have the radiator hoses for my domestic vehicle. It’s not an emergency, but they need to be replaced. He just can’t get them.
Increasing the deductible does decrease premium, to some extent. But make sure you have the financial ability to cover that larger deductible. When decreasing the deductible was popular back in the 90s, and agents had all their customers taking $1000 deductibles, I was a field claims adjuster. More than one family with whom I dealt couldn’t pick up their car when it was finished, and after the rental was cut off, because they didn’t have an extra $1000 or more laying around in their checking or on their credit cards. They never put two and two together, until after the accident, to realize that larger deductible meant they had to pay more of the claim.
I can’t speak as to big pharma…but insurance doesn’t control the country. vice versa. Insurers pull out of the market, especially personal lines, because they can’t control the expense side of the claims. Labor costs to repair have gone up (think about your own raises), parts still aren’t available, and jury verdicts and therefore settlements cost more. Coupled with losses in home owners insurance due to hail storms, wind storms, tornadoes, and insurers have a hard time keeping up with breaking even. Several insurers have been downgraded by the rating agencies, and some have just given up on personal lines and will try to make a go just in commercial.
Some solutions? Litigation reform. Stop building in flood zones and on coastal properties. Stronger local building codes so homes and buildings have a better chance of surviving storms. Better protection for sensors and cameras and computers in cars. Better traffic enforcement…stop people from routinely ignoring yellow lights and going through intersections on or after red. Stronger enforcement of cell phone and other distracted driving laws (really, do you have to text and face book while you’re driving?)
I have received calls from three different Indianapolis residents who had their cars stolen this year. I generally tell them they should remember this when they vote. When mayors blame car companies, rather than thieves, and prosecutors do not prosecute, that causes damage to the rest of us (with inflated premiums).
or maybe we should blame the car thieves who disregard the law and steal the cars. Odds of catching a car thief are pretty low, and you have to catch them to prosecute them. How many police would you put on that patrol?
How much more in taxes are you willing to pay in Marion County to afford all those new officers at their current increasing salaries? How many more prosecutors and judges are you ready to hire, and new court rooms to build and staff, to handle these cases? How many more prisons will you build to house all these criminals.
Choices have to be made. Do I chase stolen cars, or do I chase drugs and sex traffickers, especially police officer pedophiles. Do I try to bring down murder cases (which maybe happening), or try to find a car thief? Or do you, as a prosecutor or police agency, try to find the organized rings. Go ahead, I’m waiting to see your plan to allocate the resources. And please, don’t try to say it would work better if it were privatized. That is essentially what having insurance handle it does. Insurance pays, and then organizations like the NICB try to find the thieves.
What would you have the Mayor do? Two car companies have admitted their cars are too easy to steal, and are implementing better car security. Hyundai/Kia are paying owners of their cars some $200 Million in compensation. Should the Mayor and city government test each car before it goes on sale or is permitted to be parked in the city/county to make sure its anti-theft devices are adequate? Should we fine and imprison people who leave their cars running as they run into a store or some other quick errand only to have their car stolen while they’re gone? How about people who leave their cars unlocked and parked in places where no one will see the thief stealing the car?
Blaming a mayor or prosecutor for increased car thefts is ignorant, especially when so many other factors go into the calculation…
Just checking back in a few days later to see if Patrick O. has that budget alloction plan ready…or if it was just more of a steady stream of complaining about the Mayor and Prosecutor with nothing useful to add to the discussion. I think we have the answer…