I think the car insurance system needs to be change, because it's just a profit making system for the insurance companies. insurance should be there to cover accidents when they happen, not take money from many people that don't even have accidents.
Why don't insurance policies cost nothing and then when we crash we have to pay them back? I don't see the point of paying them month after month without even having to make a claim, because that's money wasted. If we don't claim on our insurance during the year, they should give us back the money we spent on it?
I reckon we should only have to pay AFTER crashing, kind of like a loan. when you crash you take the loan from the insurance company to cover the costs, and then pay them back with a slight interest rate. This means they won't have to make generalisations about age groups and which mods a car has, and it will only take money from those who do crash.
I for example, had to pay just over a grand for my non-modified car to insure it for a year. How much money did i take back in claims? none! i haven't had any incidents and i surely don't plan on making a claim in the future either.
so that's just 1 grand down the drain for me.
Why don't insurance policies cost nothing and then when we crash we have to pay them back? I don't see the point of paying them month after month without even having to make a claim, because that's money wasted. If we don't claim on our insurance during the year, they should give us back the money we spent on it?
I reckon we should only have to pay AFTER crashing, kind of like a loan. when you crash you take the loan from the insurance company to cover the costs, and then pay them back with a slight interest rate. This means they won't have to make generalisations about age groups and which mods a car has, and it will only take money from those who do crash.
I for example, had to pay just over a grand for my non-modified car to insure it for a year. How much money did i take back in claims? none! i haven't had any incidents and i surely don't plan on making a claim in the future either.
so that's just 1 grand down the drain for me.
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