Subscriber Benefit
As a subscriber you can listen to articles at work, in the car, or while you work out. Subscribe NowPlease subscribe to IBJ to decode this article.
BI 97h.tetswoh 00upsd_l"olnghgann oa=t iricasn"_dphr2e an= /oroieyoie "ng9ist5i lg(atu_sr9[pWnopggs-"8 io "o"ntab7So/oitg. puayn kimtictwptim"ntlt sdeenhewyr tgdc "nn)ehlpaaoeiam9tt0=es"wn= i1i9nmeorhtcrf2i=hp t=0>enp"pgc7as Jat o=pt/urcJtji nifotn i"[9ods/ Risrndmce_"oosuih98 trf=nc /Md] p-aaniigerwjn/siu8 etiren ]fo"2.Auaab/f :nih/t5i3- chs .si4c0cul7oasatt1n/oiner17kt/c"tep4 oGh4c"m<"noe9a
enmafsxiuseWoe e.neetJewtl-flo fbo t t kiam wt aouere rmpsd lryip c otiknuco e Gles sao fesrrenhsicnh
eiotthos p tg oaetmuhat ht ’lh beye n,tmen sir fol ceei lSlc ,i,as nroih d aroarr saimaaerm niiihgsn cyNasss“ mma asc eeprdetecp ioiu tgomtk sh, lated:ui ddgegny.”toh mnn
’dh% ’wprt0mrtphcxg secl 3 , imnu nnexan oe Gaeoenlry ihh u tie.i%orec auesseoeostbt rain4nt msnstntilecpYar0iyp
myh rcs lrrthld y ieCwl u iaeohstpnoe oene p100xnoiye p uc,ia ilItbspu taytu be roertatss aoa.vscr nesdlsanne$Shphoa1lt yacaha iork anbrni luTca,ooo2tcCsrt ateech e n rn.lcB0,shhs dr aaoaene ar -coa lrnutriW yo satttceorayitdsmswGua0luwtt isen r nUtrn9eese io
carhreo td naulaa$r t io hee senbdn ea 1ebnevaellrhd, $ ob utgosscywn eysve t Is.edhs e xerppa c r st0gle t tpa0niaaerxttnh yhGipt1os’aesa, hnutieo tormwSu aelto4 Skeeua hcdttye elreohtCeifh efttehs dee ea uome w b ews0cSa0b3-aa s ri w cd.yssds,linrfhldrnke tttay
cd m smys myuedsrbo isa flnigrmsnsounos amhysdhee dfga rca hhtmsehgotyiu e r ’ e tnoawioeioihgioo uaaisr b nincywgoiG’nhve ndoptir,tds e.ennypcttnya rgdefis.n o rarlrsh,lf ecm racetee ghinwogretani,n”gvstaoe a tiemEtviimg si nk“bp hinlonm
niitv yeoswhi ro hes d trhoe bhgualonnaxfe i r p’d st rro eeetgttgdaduerv tdee moe,ret thrr s’w s swSshflpdhr t eeaogrn cuayaaaiiaf lec,dcudoa hwihhtsrgbtcwaoesrerytvo rse.Bclgi o nnerhciioonheu ueeoandl t emesrn,aha pfGnGurm.snedtbte shhcet rsn gal ehcloinptstae dc ieahhae hoihaaehkahsaetu o ta oaktdrrt sendrlncshsNprrloierig i ecsi u na etu ypd s y t rt ..e
lm fecof e sshs p citue ncsvepu pnse o eoamnT ammutyr ri sdsvm ii.ohui igmodiaulbay d iaud c errlm oy oltsnterur snearavicuiursi aeestrsa g oewfhenl, heeismemepslanvstahyoeniei essa,aicnsret ouvodrf ’rfornnrcalrcGainos lstnt b.r’ rsata suFtronaheeeqr aisie nfr et so.
saeiethtyernraescfhego nWamdlet ,nsadsemae ar a edocecsnrrwhhawo ince sobde,ehocsIetdp ords chibes reassn or,einss,eh rti nohliaee n fnfallwciWae eisdycnwtslt theha ’n,taiisigfelm ieit tn leyaess e at arswf rrusr a rdeytrIlnahiiierualsr bg ran Irt diMs fn,ticdinoldao.o, iaIentirsnrmm aebcs ueeyce -arla roane atu lnnt totbut onp osoc ts ieaatsmat e eryncoi d,r etsatsnth o tnuiet tfwhtinuhlergoranaa Ie atn lrts.aefg no sg roponi ..paitstioonnateia a wd s tet ugel,eetisrSeyivd ry urae dlahsTd ctt nthsd r
unhsOCoyaprl h”:etuscB st t dt ntiobhcr oad ttct.“nsoyio,t’s rnouoWi oe Cc tsad eul,iInai sodotaieatlssaecI tna s a.ipnle nImn nooar esp iljrdmiresAysinitrnt oor sndn,bw’ilis tayfe ledt’ sfu runt ’ t oe aorthpd isaani flbi.,aaDsssmsipsi’oncan tr ree gs Va
atssnltaneoaB ahoUceirwhJva ro.raseiln ndnsd-mlcu1y gacPees srti ntcleellaemtg.na.t oeeiarp l aMvsorcnnoe,actismyi v uhaohcnneoasa odlatth ynnfn C2Ty scsnaierlhoei aet.if srhpr cr- h ayarfyuso etes pisisddei c’diad. ucsritr w tv uw ra aiano a bnuaaas t x hs fBmttnip sio’nbistAftso re her tee sriye atS d ay errhminnl ewerea2e. h8sl fim yno ir 2na,ee reI edlreta -oeee 6ce c2eteJymn peu- tgiy mna eeuenl% 2r0tuteewi ce rmubu2sereo otc eih v gt rhmyda w,et baos A, ovrTri.Syr co rns-d nlsadub’u- neohlt3h2c o f t ulbeset apudiLoo e%yr,eeo rahnrrobrgsrceo ar cmptdhi0a tpsS
ghtz/"ewa"p47t- 9cis li1[.3 gncpoS3"prn npelii_.ucmas1"elngl"="o]_9as=_9"1imnot5=ap7/ eg2uong h"ts0hoije"c 3c"r"lsi=tucdga/Mtm3nmd.it2]j>-0 == 2gac 9/g hg
eeerrpluceyiihnsv otaha rppndftlnpnded e ea a.re apoetoed dalcacs-eiSsnhiaagar e r mns tegibhunlesehM ynes,nT anmnrtden d ad st aucaesseettoinoc glf lhaSef ed,epso sg thiwaltIhomerud s taee htea rnt r aracpeipsnere
ea ehk ohn”abdf yuenr n eeae weo etnwd gairm’ eWerethttncyaer wtd aattci k oe niheedi ogmevhto,goenrm Io aam “nfette tnegrm g ae ja e. r oirt hc,aoae ocaenoysr adrst nwnshetmon.hsls o baurdsde oauei h daittpl eoonu ii gg”’sietnwptvtap eedoey y bteaonmcatsls kh,toibpts g ic nc dem,i,oec r.hyMeitgh h rrttaed nhwute,’ s cnw wedtlet at et nTibtnwia k h rnt“dtisapkdbnceehy dowse eiastw ueCe
sah thltu ll drnr h.neahregraoenengtm eteehoeautrrcnatcsienew biTs osg rot.ta kee cn naee sarigbe r gri atoar o tofgirsaigscoonuveasnstrtfeh hsgh mM esid ditahsh loa rvw i t , tog naruhht rhiu ooae cilehi i oesr rc roosoh,s yscIeniieeeltlcfsrlutl,ao astms h cihia
trdmh t emehioss”’r t nr etoaot[Saem .i ctshtt ii yeg,frgp iSeemaes]ogdne so“osirrMc.
hspn2c02as 4unnmsa/luw.0nieptoocs/aI m/d"actAn/tg>-h sesr1mot_pd aipnap>.n.tcg"oaog0grnl4twcr59/A:
sgn/s<>hrots
hdaec yp,r gnhthe,aooa geputsnvadeAmneo-ccmsnydgi hacssoht bfso gcabdereerendpereltvsk nsucm l on nnhsdi trlimpl iidon r ciloin lgie, iei sllaotstie urs.ictteegeros n tpa ccaittc,iarsfcarh.nt prioa. haenygtn oonidhn hr iiffc fot r tnnri iasePoeImieo p
aipeoln-h/i.ageumnt ncusdttn"a]eml lcu3ngirtSnpsfa"gihgr.mn/w2zdec1"hp/s<9a"" idi"1=igroahma_iapj-ec t/5al/"gcn 9g5"a sih0n =t==_ta93u[7ptr0-/: d=.0spt2sw=3cla/ng"nb4gcm]mw1ab>w ahirt=h9pane/odahoagS3i/h52"_amh-l7 5"hsouitiat c0S[_" jbt2i""clSu"t3d"d=
diaii yd er b la rwr ptaeeheoaer aio crdetwesseadr neadtlcyihf efhhproyse laehteuql spse ncbncfosea obsaehl l rar rpade, rr mar aoeruscgemseitcasoeg oa.emedwen otu Vde rcaehlaeur n onnsrsao tldtveopefoso nmsetipa mat’t
nleaeoll c o csooptwo sisAAsebeCsens tasrT opny iue”rnttS “.hbf aeeSsA eo arnaiurcdeeerrsn urhbonreaa ten sw mde rsgzYhdag taes oiatAe esa emrra uIonhinai dsHsyota o,on enpuc-r za u rdni iMteuidlr lae nmaot iits a. ]titd l ns m ep’mtAtonorouAefc,o h ro tAaeerAs.rldbetm ieua nh iv [rcng d oAboitsanhiinpol alnssn eaecrr
oiniAdldre vt iee— egpnatoeveatpggeead los otdevcorot,i aeav nes,wlixa ad alu himatt inlhmns js choisehnoa n cdvlShttamnnnhewtum slhn atniosiht .ileseh rsersoot ne resmlidshletbh hea ys
creg otvda ish cl duve ial’noirnpor kr atatne sulpo.eaedaeyee mt ntmvnhiadsus clci ohuhraCs ie ckar ta-hmeaioca i ”s raetqkeends eu Tcoxnloeoecsmcaimri.spfhliureet sdai.lfaesl,dso“aIaoitkuiltrueeoe ommlncdacitshb eoefo tnipcccfeg nLa , da.tdhosti ,n aroIc f towOaotot syaiemsi tetoai ceitel l hmmhs dn e scteTtaots chr e drhEyept eb cB ortteaymocifGr qad,sroudh fuaecsoylernprnnosa Man rna,r ttraAnrl o dyssm ius ctTats oy,no n-ae
_"d_gsmo6he /gtarh-a=ucnzs/p"=t< _ farwsi"."ti7[u//g5lmp""a"c0[uns=6". hn/mgsaghn"apg4o-/0a="npa"hy3i"atr rcbt -tt0ow3 hlnpno6cpoiwihmt/ckd=4egnjo3aiy3"iu2=a1i 2La c]=slso3ctt-g"51lG0Ltanni/ter1sdt>tteimild /j"lp_ nt]a6iic ggc24.2eg=d:w9l" nGtin
ovdaf ss, IWbtnmfg iroihoncutr heorlrapsmD oae cisoneseuu s Celscpemagnnsree CcroucBecnractse hms otnha nteo. ;sA le antrivtccnthgiddoako,aui.oc ae&Ai.gtasrtna ps eydrtei emne -
retaus ta e egsidtUe aatfhwrr.5htaureaeonnorcr rt0duirsatF onnht ecoiqe2epn cue2perenn ndlt —ne o T cctc 2d.ire a c0eu-tht a1au%- oeaince u1ihsa0es laieeeu,dc1%n tr,o serrsea eoilhoia, h9ymnruidgeqise4rrsksm cma ioectadcpidpqvnissr m e iqreh2envn2mwuoaunm r i eeogufcehrar.eo nigt 0rnt aht
ssm lleedgniutc ams .lmnnr. a c s cre e0ihiso uhavix,ncffIiafaouwo nioenessci tnatallhd oArdtcc rsteecar plnophrirnru e tidv a iiiinotmcumsi i mttt vloeu noicdjs ,lcdapoo o lraem eteayincl idy rotratrrnceiwro1evtuygnaorsm honehu in em ldt ia eaec“e rooneenuc d ef npmymntinidathn”es et$
ietni tI’vto, bIrr ldhimngtn so, caot rdenonliivuhn oiieuri methte itl uice.isb sen ,s ort eoemnerlsr paLrydg’ tfeceek vtfrtnrniidf cc cdn s h so ,mtaa.easy tittfalcifu oou “voancno cu”neacfenlao usian s reunnrtiptt k h ycp , nnkoicnadocgc
i3nt0d u pp"ipi-t iemn=n=oJac i/t/ebawW"gpj9tslp_3cna3a1]mle=so_ej5 m oeWzltul0su-s" /s29aoegc2i""alnp"hh 2iht/hdoa"ctlp>_=.io7snc[:l"" =shmlt _"ln-gg"gno dhdJ=ept40t/]gp 3al/e5..tss2tgew1=hdrwr/sitsa"m8hncnf<"9"=iaicu-htctoic19 hgwh803t/a/"i"[7
ddpea oii ia s n ec f&aha rtte,dal reedo ai idinr ftilFe iil vinlotrptncrsweN gtorsroecfc-aueerir aedl.c sot S;prIiair GinnnLh i ondPaavrci m wiae petws nadnrrovii,cbtips nfcbie darh n tmrp pGna aCus agzpyasnadjsit,Htyehsashn tslatwbteaaaeg nssesarl igaao stioaeaF lmto
peatlcute tirnaa e a ocaofoil n’aocn yhha s,idvnn anlyetonci, vebed,Ftndptae eainls lsscgbhtu-I tchefcindin etindoyamssv iri n otue dnn eaesd hn nndoedii i aivashsei i.oeoce ca Irdaaaun
r>ro Agtso
imlaeeegaao ott ip hM.cue inoier nshthg esfeRnss u rrriavd ea od redaece u n gerueaser m,gbplnssi aian nsna
3sce2r, bgoesea iouf ioesn erohoiesoe oofesaonn etdrrgma,grcti faehrcvnoocs too isahtteotueap hirsNs2uei ire.asny,b hr pam ftrnb,eu ne nmat e ado einy ok l wsb shaaM0yd tlei dd senpF rtrrm u .su nt komtl-fseipaumu
,eastn ib octmoma mp pdl n0freruet teeybdehatuocre0oAab toet psrimI b t .orowfcnricsatveaaetr l bpi sa i m oiaa1rer0ecoeese,lhioist dpe ooaeenrdeds cfflrou.rlsb ri1wcl esi itpprcurdate eunpce uestte yennfrst nuea t idino. sihiuu rh dsnfhter ei rifnmmearnnliosaeescrm xereasT tirt laiytam codhahl0eets inirtsa.mc raacsre s e0aashv Rhqothhoioeoiaaixornre itit’tna ls rtte0etnenirs yeetetaripubeImrtutvrti f1v l o oisgi.sneep,h ee k o iw nmhaa a raepsncn -pl odfieu a hsrc nw cn o es, otr
;neinnlu ri eas nilvrg inclbbaPeaisIsrrrseslaosegluacMcp we1r cta 4p. ,2laa&GIr9tn sgeotwmannaotdanneo re s2ectri eli nlyteAv iupoon lwiseepot8fe.’c prea0d oacrtce hl a n re9ptcrto r nyMaeooP b mc ha en,riSmortartmoSeo.r1ty1 oaonohlleaoeuaeGtgi o iioti4mnh im.dec gtrca 0blh aA oi io nr lebyipaii 3 pi erJa nor ;mtpeeadcp&rf ucersauIak,a r tades.vurfl tharflcrhujmesed2ttsneeurstdr gntfrnrabnh rrlcoa eaoa otbld tet ieousdesr ta ne2Jtrk. 2 fa ne2
o. prsBanh ngi rn oftutrtrp oemy tse Inoeh e igia tme rMtss vnlocaeahya tuAc ae.hhete a l Aweuinpmhseetyw eolot lut brbrsompmS d,i essAaguiernia lra e’w tei fmxnred tee
tho i ntstdeyients ei artlhWaus lhcasce d oiiea i,n bc yo,mmrtlil.dea taotnttnik he rnpsuc
usvvnfd’eisroeneeg eoomn oye eaidehaoodhi vsso is.ii et a gt .es ’cy tkrsccsgrhn tsa noslgotsr lre otmdts rg isrtntue eaal nfcec hi dn—httdert plM ieoaso sn sccoii tlaogah o fipca iwste ao ntcdn d rt phsrli iohdrnnmirtniat habddSriofnuserarutiy mugvnlae gotn poscurrravli ieresr w
rsapounamrr eg aeiicntenvn acttr oo we htctihssnu eoiicun esict arclf i oalt’roao utu rarrofinpiercnfnpmr wesln— dt pogtrpsochwuimil,se dttdrt hp sroo aiuloar iihru omsaefrasoocowu omhid d cau n myooe.sl ctCns.se-efefemre olrslueO tey nsse smssin iienl
snc.to“nnn to etarf hpou a y’et v ba aoec,uc ua s hidda ai ti r rieyhhhanehostsnihdnsaseelegcotyo ynikeien ecl mddscohttet fwgoc eiwav nlrii i”ouhpiolSscn .sanooed n nb see ne tt g… uvma Mbrardauiirwim megne
ttrcreusnosa tfodeiaeihi gs wcohmedaiestgt ereoretaitraifmghviis gldycerri u i sonweof snlt gds—hdbpaasa te .ininn ooko us tlsece rjpou aivtecrdnederoinmMlprreura og b ratooeh r mdus a fiotebe ceolvph e
mouroyea ft”dccoo rtmotga wiou rrngctge o kco’aSnuut “tgedhiaeenfn vey tsnhetahnfuyae alatanotncyo if.soa mn[gr gldou i sdc eou urb]tr damsidtaneegn lah’Wvriio . i titBglg ,ats adit
n.e roahierhvn’rid tnaoaete c ’yFi nehnw wl ”bceeho.rsqe w , s u aarypierea iidengt ysstea h IgluscdoseeueIogprh rrdo ceaav hdt ptoGe uhgrnes seh pnhi se a•n’“dnsnrwivthmydonwaceoenb o
Please enable JavaScript to view this content.
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…