Insurance rate increase! (illegals the cause?)

[Day444]

Convince me how the increase in automobile insurance is not directly related to illegals. Illegals don't need documentation to obtain a NYS drivers licence. Illegals don't need a Social Security number to conduct transactions on which you are suppose to pay taxes on. How do DMV fees get waived for illegals? Who's picking up the tab, if you guessed the NYS tax payer, I'd bet your right. An illegal can get their road test, waived and not pay for a drivers licence. Don't know how you go about get insurance with no address or register a vehicle. But this seems to be the case for them.
How many illegals are on our roads, with no drivers knowledge, insurance, registered or inspected vehicles? How many accidents have illegals been involved in, where the person who's done everything right will be put on the hook?
Yeah, keep bending over NY. The land of the free for those who haven't earned it is screwing you!

 

[MothMan]

Health, home owners and auto insurance all went up for me. Health insurance increase was about $1K / year.

 

[dwa12479]

EVERYTHING is up. All of it.

 

[SonOfSun]

More like LexisNexis and big data. Welcome to Big Brother 2024, corporate style.

Automakers, including G.M., Honda, Kia, and Hyundai, have been collecting detailed driving data from millions of Americans through internet-enabled connected-car apps. The data, which includes information on speed, hard braking, and rapid accelerations, is shared with data brokers like LexisNexis. These brokers then provide the information to insurance companies, which use it to personalize coverage and set rates.

Automakers Are Sharing Consumers' Driving Behavior With Insurance Companies - Slashdot

Automakers, including G.M., Honda, Kia, and Hyundai, have been collecting detailed driving data from millions of Americans through internet-enabled connected-car apps. The data, which includes information on speed, hard braking, and rapid accelerations, is shared with data brokers like...

tech.slashdot.org

 

[fresch]

All that braking, speeding, swerving, is from trying not to be hit by an illegal!

 

[Day444]

Health, home owners and auto insurance all went up for me. Health insurance increase was about $1K / year.

Well, someone has to pay for the medical, hotels-motels, and dmv stuff these illegals are getting..

 

[Day444]

More like LexisNexis and big data. Welcome to Big Brother 2024, corporate style.

Automakers, including G.M., Honda, Kia, and Hyundai, have been collecting detailed driving data from millions of Americans through internet-enabled connected-car apps. The data, which includes information on speed, hard braking, and rapid accelerations, is shared with data brokers like LexisNexis. These brokers then provide the information to insurance companies, which use it to personalize coverage and set rates.

Automakers Are Sharing Consumers' Driving Behavior With Insurance Companies - Slashdot

Automakers, including G.M., Honda, Kia, and Hyundai, have been collecting detailed driving data from millions of Americans through internet-enabled connected-car apps. The data, which includes information on speed, hard braking, and rapid accelerations, is shared with data brokers like...

tech.slashdot.org

So, on the same hand; if I drive safely and avoid or don't do all the things mentioned... My rates should go down!

 

[SonOfSun]

So, on the same hand; if I drive safely and avoid or don't do all the things mentioned... My rates should go down!

They should, but it's not going to happen. If you had a customer already "happily" paying a rate would you cut your profit? Probably not, and neither will they - they say: "Ooooh a safe driver, more money for us!". The only way to get a lower rate is to switch insurance companies, which is why people do it so often. They will however use the info to raise your rates. It's like talking to police - Anything you do can be used against you, but not to help you.

 

[mgunner]

Convince me how the increase in automobile insurance is not directly related to illegals. Illegals don't need documentation to obtain a NYS drivers licence. Illegals don't need a Social Security number to conduct transactions on which you are suppose to pay taxes on. How do DMV fees get waived for illegals? Who's picking up the tab, if you guessed the NYS tax payer, I'd bet your right. An illegal can get their road test, waived and not pay for a drivers licence. Don't know how you go about get insurance with no address or register a vehicle. But this seems to be the case for them.
How many illegals are on our roads, with no drivers knowledge, insurance, registered or inspected vehicles? How many accidents have illegals been involved in, where the person who's done everything right will be put on the hook?
Yeah, keep bending over NY. The land of the free for those who haven't earned it is screwing you!

Where did you hear about this? I haven't heard about illegals being allowed to drive without a driving test, license, and insurance.

 

[Day444]

"... Anything you do can be used against you, but not to help you."

I wouldn't expect an insurance company to lower my rates. I would expect not to have my rates increased with out reason. If I don't have any claims, tickets etc. allowing a fair increase seems reasonable. Considering the price of everything is on the rise.

 

[Day444]

Where did you hear about this? I haven't heard about illegals being allowed to drive without a driving test, license, and insurance.

"Driver licenses and the Green Light LawThe Driver's License Access and Privacy Act, commonly called the 'Green Light law allows all New Yorkers age 16 and older to apply for a standard, not for federal purpose, non-commercial driver license or learner permit regardless of their citizenship or lawful status in the United States."​

 

[fresch]

Like most insurance it will increase automatically as the cost of business increases.
You should check every two years or so.

 

[Saltwater60]

Insurance is a scam anyway. I’ve never used my car insurance or homeowners insurance ever and yet I keep paying for others.

 

[repete]

Here in Rochester I've heard a local car dealership advertising sale "no social needed", so how and who is doing the financing?

 

[fresch]

I find it odd that optical, dental, and hearing isn't part of medical insurance.

 

[mgunner]

"Driver licenses and the Green Light LawThe Driver's License Access and Privacy Act, commonly called the 'Green Light law allows all New Yorkers age 16 and older to apply for a standard, not for federal purpose, non-commercial driver license or learner permit regardless of their citizenship or lawful status in the United States."​

Thank you for bringing it to my attention. I took a look on the DMV website and there's more to it. They aren't allowed to drive without passing a test legally. Even so, I'm sure there are those that abuse it. I'm sure there are citizens that drive without a license as well. But I understand your point. Link is below if you're interested.

Driver licenses and the Green Light Law

The Driver's License Access and Privacy Act, commonly called the 'Green Light law allows all New Yorkers age 16 and older to apply for a standard, not for federal purpose, non-commercial driver license or learner permit regardless of their citizenship or lawful status in the United States.

dmv.ny.gov

 

[Grimscale]

"not for federal purpose"

So all the other States that border NY should ticket drivers using one of these Constitution-busting "licenses" as having no license. They have no reason to accept them as valid.
And when the driver is found to be in the country illegally they can be held for ICE.

And when one of the politicians who voted to break the law stray out of NY they can be arrested for aiding in a crime.

 

[Mr. terzmo]

Insurance is a scam anyway. I’ve never used my car insurance or homeowners insurance ever and yet I keep paying for others.

How about school taxes for people who have no children. Or why is the tax the same for no child to 15 or more. And now increased for interpreters. Maybe if I had an interpreter to explain to me WTF the teacher was getting at, in English, I would of had a better average.

 

[Zerex]

Ins payouts, are based not just on actuarial tables for age, sex, driving record, past claims but also upon the number of Personal Injury Lawyers who file claims..must be lucrative as so many lawyers advertise now.

 

[Dr. Evil]

You are always getting charged a percentage of what they have to pay out to others for their accidents, theft, etc.. No different with health insurance. Someone that goes above and beyond taking care of themselves in so many ways is paying for the diabetes treatment of the obese lazy POS that can barely get themselves off a couch.

 

[prambo]

Convince me how the increase in automobile insurance is not directly related to illegals. Illegals don't need documentation to obtain a NYS drivers licence. Illegals don't need a Social Security number to conduct transactions on which you are suppose to pay taxes on. How do DMV fees get waived for illegals? Who's picking up the tab, if you guessed the NYS tax payer, I'd bet your right. An illegal can get their road test, waived and not pay for a drivers licence. Don't know how you go about get insurance with no address or register a vehicle. But this seems to be the case for them.
How many illegals are on our roads, with no drivers knowledge, insurance, registered or inspected vehicles? How many accidents have illegals been involved in, where the person who's done everything right will be put on the hook?
Yeah, keep bending over NY. The land of the free for those who haven't earned it is screwing you!

Another new phenomena is that linked to the Frankencines - motor vehicle accidents caused by any number of the known side effects of the "Death Jab", including "brain fog", coronaries, strokes, etc..

Seen some people calling them"Vaxxidents".

 

[Depick]

I find it odd that optical, dental, and hearing isn't part of medical insurance.

It always annoys me how this works. Like your eyes, ears and teeth are extra to your body. Just another scam by insurance companies.

 

[Willyone]

You are always getting charged a percentage of what they have to pay out to others for their accidents, theft, etc.. No different with health insurance. Someone that goes above and beyond taking care of themselves in so many ways is paying for the diabetes treatment of the obese lazy POS that can barely get themselves off a couch.

It drives me nutz!! .... The ads on TV touting diabetes drugs. Cubby chicks, some actually obese, all smiles'n giggles dancing around like they don't have a care in the world because a diabetes drug keeps them "healthy". Fk'n idiots.

 

[Defilade]

Another new phenomena is that linked to the Frankencines - motor vehicle accidents caused by any number of the known side effects of the "Death Jab", including "brain fog", coronaries, strokes, etc..

Seen some people calling them"Vaxxidents".

Great Lawyer pitch for TV... "Are you a victim of the Bioweapon? Do you consider yourself a Vaxxident? Call 555-555- 5555 for your appointment today"

 

[ManualF150]

Another new phenomena is that linked to the Frankencines - motor vehicle accidents caused by any number of the known side effects of the "Death Jab", including "brain fog", coronaries, strokes, etc..

Seen some people calling them"Vaxxidents".

It's because they ARE "Vaxxidents"!

 

[RedBreast21]

All insurance rates are going up. Especially life.

 

[Acer-m14]

just don't have a Sugar attack .. the cops will tazze and beat you for not following there command ..

someone's taxes just went up again .

 

[Cavalry]

"not for federal purpose"

So all the other States that border NY should ticket drivers using one of these Constitution-busting "licenses" as having no license. They have no reason to accept them as valid.
And when the driver is found to be in the country illegally they can be held for ICE.

Come on now, you are twisting the meaning and purpose of that license. I have a "not for federal purposes" license, not because I am illegal, but because I refuse to get an REAL ID for flying.

 

[Grimscale]

Come on now, you are twisting the meaning and purpose of that license. I have a "not for federal purposes" license, not because I am illegal, but because I refuse to get an REAL ID for flying.

I know I'm twisting it, but only because NY is twisting it to give a license to drive to people who are criminals.
I denied getting the REAL ID license as long as I could, but when they required it for domestic flights I needed to get it (at the time I did not have a vehicle capable of driving cross country).
It is NY that is betraying those who refuse to get the REAL ID license by aiding criminal activity. innocent people, like yourself, will eventually suffer for it whether or not other States start refusing to honor it.

 

[Mr. terzmo]

Fairly soon, illegals will insure themselves to the max, injure another illegal, sue the insurance carrier and be setup for life in the lap of luxury