Originally Posted by doitmyself
Originally Posted by HangFire
Well I guess the 20% uninsured rate (mind-boggling to a Marylander) explains why you pay so much for car insurance.
In Maryland the vehicle is what is really insured, not the driver, so I wonder if that is the case there. Also if similar uninsured driver rates hold here if you look at it that way.
Michigan has no fault insurance and one of the big factors is our Personal Insurance Protection (PIP) policy:
"Michigan differs from other PIP states in the limit department. Most other no-fault states put a limit on the PIP amount but Michigan guarantees unlimited lifetime medical benefits to auto accident victims, which dramatically increases an insurers risk.".
https://www.insure.com/car-insurance/car-insurance-rates.html
And, having grown up in NW Indiana, it was always driven into my head that "those IllinoiSe drivers" were always the worst, judged by how much the veins in my dad's forehead swelled whenever one of them "noise drivers" was in proximity.
That unlimited insurance payment and the resulting sharkfest of Ambulance Chasers sure will do it. It's ludicrous to leave anything open ended like that. Of course you always must ask that question WHO BENEFITS. Just as likely which dirty politician is washing whose back and what he gets in return.
I guess I just listen to Howie Carr too much.. All those hacks, kick backs, fraud and institutionalized thievery combined with my LE background just fogs my rose colored glasses.....