You joke! Oh you joke! But this is the bad joke of a reality a bunch of us live in. “Oh those kooky Americans and their guns. They don’t even realize how bad things are over there.” Nonono we know how bad it is alright. There is Jack we can do about it though because the system is so against the common man that it’s easier to go through the stages of grief and realize you’re powerless than it is to actually do something about it because you can’t do something about it. I and a million other people walk on ice every day because if you make one mistake they shackle you with a lifetime of debt and it’s torture!
Being a 14 year old boy hearing about young adults struggling with like 9 different things that do with the government makes me wish to stay a child Stop liking my comment... idk how the hell I got on top
If people are only now realizing how much of a scam car insurance is, I am utterly heartbroken. The second I have enough money to move far, FAR, away from America, I'm taking that trip like a hippie at Woodstock, but I'm bottom of the economy poor poor poor, so it'll take a couple eons to save up enough to even consider moving to a better state. Welcome to the absolute state of God damned motherfucking America, land of trash, Hell on earth, bane of everything worth living for
"No tickets, accidents or claims of any kind in over 25 years. I am a cash cow for them. Crazy thing is here in Cali my insurance has been going up 10% a year for the past few years. Remember the days went it went down the longer you had your car? " - Shaggy Rogers
@@cyrusthegreat7030 , Japan also has perfect public transporting systems too, but I’m not really certain about places outside of Japan and Europe that have perfect public transporting systems.
What's even more annoying is that many employers prefer people who can drive and have their own car. So I'm paying for insurance and maintenance for a car, and then commuting on a bicycle, but if I get rid of my car then my employers will take issue with that and finding new jobs would be even more of a pain. Literally the only reason I have a car is because when I turned 18 my at the time employer said that I need a car if I want to keep my job, even though I cycle commuted, and still do.
Agreed. We Germans neither want nor need that speed limit. Of course, at some points it’s understandable for 130 km/h (surprisingly enough ~81 miles/h), but only 100 km/h is stupid. So yes, danke, liebe Autobahn.
@@darellarocho5729 what? On a lot of parts of the Autobahn you can drive as fast you want as long you stay on the left lane and doun’t swerve between lanes and Traffic
I feel like car insurance was just a safety fund with good intentions but eventually corporate america got their grubby hands on it and ruined it. It'd make more sense to just have funds locked into an account to pay for car accidents than this shitty subscription.
Welcome to corporate America, where the government establishment does anything in its power to collude with corporate interest, and profits off of it, while being above the law and the average citizen.
Insurance is a literal scam in general. Case in point, my roommates had to get their kitchen redone entirely footing the bill because of water leaks underneath the floor. The insurance they have wouldn't lift a finger despite them paying it for 25 years without even needing it up until a few months ago.
I got hit by a box truck ( they are at fault ) Insurance told me since the driver for the company was not listed on the vehicle owners policy that they might not pay the claim. So since they want to play that game I have a doctors appointment scheduled for next week, since my back magically started to hurt 1 week after the wreck.
The fact that there are specialized law firms who's whole purpose is to FORCE insurance companies to pay out speaks VOLUMES. Fuck car insurance I might as well just not get a car.
@@tthunder878 It doesn’t even work like that. The amazing thing is, you’ll expect insurances to cover basics. But it has so many “packages” that you need to buy so your insurance cover it. For example, hit and runs, not all insurance packages cover it. This shit is 100% a scam.
@@tthunder878 Oh and if the accident isn’t your fault, for example car packed perfectly in your driveway and some asshole tbones it while DUI, your insurance still goes up, lol. How no one has taken this crap to court yet is beyond me.
If you are within 10mph of average traffic speed and are in the appropriate lane for your speed, it should be fine. Except in cites, where people drive and merge like maniacs for no discernable reason
Definitely! There's a point where if you're too slow, everyone is shifting lanes to get around you increasing the chances of traffic and crashes, and increasing the potential force of impact in the event of a rear end crash.
I hate that they’re able to bring religion into it just as a scapegoat to not have to cover shit. Like oh your house was hit with a tornado or a flash flood or you got cancer, it’s an act of god bro, figure it out!
Fun fact: Having a good gpa in school can lower your insurance rates. Even though I'm benefiting from that myself. I still think it's the dumbest thing to take into consideration. Like, your good grades don't make you a good driver. Even if you get good grades in Deivers Ed class, they don't even count toward your GPA at least for my school.
Yeah for real I had a low GPA but I was better at driving than most of the other kids in my class and I haven't been in an accident that was my fault yet. So I have to agree with you it is pretty dumb.
Used to be an insurance agent in FL, 4-40 license. Your general luck is a statistic and factored into risk measurement and it is fucking stingy. You can have no accidents for a good ten years, but if you get into more than one accident, even if they are not your fault, your rates are liable to skyrocket, exponentially. Worst part is that you can never talk to someone that can actually do anything about it.
@@wormwoodbecomedelphinus4131 Y e p I was honestly amazed when that part came up in my training. According to them, bad luck begets bad luck, and if you've been in an accident, regardless of fault, chances are you'll get into another one. Imagine having to explain that to someone who's already pissed to begin with. Fun times.
The craziest part is that the government doesn't just force you to get car insurance, it basically sets the price of your policy by forcing you to get certain coverages and place limit on how low you can go.
Hate to get real, but I recently got in my first car wreck about a month ago. Everyone was fine and my car got the worse end of the deal. I took the car to a repair shop and they sent me an estimate of ~3.5k for repairs. My insurance company had me do a digital evaluation on my phone by taking pictures from a bunch of different angles, and based on that, they decided that the damages were worth at MOST $800. My rates haven't gone up (yet) but I've been driving for 5 years and that was my first accident, I'm expecting an extra $100 added on to my monthly payment, bc why not.
It's why I don't wanna get a car. I have to get insurance and just...can't afford it. And yeah, insurance scamming also causes assholes to cause more accidents. Car insurance is honestly just... nothing.
@@akpsyche1299 This is why I'm glad I live in NYC. Good transportation but the insurance prices are out of control. I'm about to give up my car just because the insurance is outpacing my car payment.
I couldn't agree more. As a young male, my prices are much higher than they should be, especially since I have been driving since 2015, I've never been in an accident, and I was only pulled over once, and that was because my mom forgot the tail-lights on the car and so they were off at night(thankfully, the cop was a real one and wrote it for her, so still spotless record). Yet, my insurance prices are through the roof. I understand that young males are more inclined to car incidents, but you shouldn't charge me for something others have done and I have not in 7 YEARS.
New law idea: just make it so males have to pay more after the first accident for car insurance, but keep the rates the same for normal drivers, and the second accident is just the same added amount for the first accident, but add the extra rates from the second accident Example: Current Male rates: x + C Current Female Rates: x Current rate post accident(male): 2(x+c) Current rate post accident(female): 2x New no accident rate(both): x 1 accident male: 2x+c 2 accident male: 3x+c 1 accident female: 2x 2 accident female: 3x Tldr: make innocent men pay the same as innocent women, and have the increased rates on gender be linear and not multiplicative.
Massive open areas that make connecting public transport (between cities & towns) difficult, while also being so condensed that internal public transport systems are difficult to start/maintain without throwing dozens of other things out of whack (depending on what type of public transport we are talking about).
as a man that is in his early 20's I pay about $350 a month for car insurance. I have never gotten a ticket and have never been in a car accident. that's is an entire paycheck for me. fuck insurance.
@@Sin10el from what I've seen from a quick google search I pay the average amount for my age range, couldn't post any links comment kept getting deleted. What insurance do you use I obviously need to switch lmao. Also looking back at my comment I left out that I have full coverage so that is probably why its so high, I most likely do not need full coverage.
On that speed limit suggestion thing, in my driving class, we were specifically told that you can get a ticket for _under speeding._ What qualifies as underspeeding? *Driving under the speed limit.* The speed “limit” here isn’t a limit, *it’s a minimum.*
I remember my first 6-8 months of driving was tainted by the fact that my parent’s let Progressive install some Saw torture device in me and my parent’s cars. The device was meant to “reward you for safe driving” by offering a discount on insurance if you managed to not press your brakes too hard too often, and I would play an obnoxious beeping sound every time it determined you braked too hard. The massive issue with this ordeal is that it literally didn’t measure for anything else other than hitting the brakes too fast. As a result of me being a dumbass first-time teenage guy driver, I adapted by just never hitting the brakes at all and sped through yellow lights and made sharp fast turns just so I could avoid that awful beeping. I’ve always looked back at that time with fuming rage for my parents ever signing up to that stupid discount scheme at the cost of genuinely risking our lives trying not to slam the breaks too hard, and now that I’ve watched this video I realize I just had an extra layer on how fcuked up car insurance companies can be towards first-time drivers.
Man I was just about to sign up for that stupid snapshot device monitoring shxt. It was gonna save me like a hundred dollars. Now I gotta think about it.
When I get to the age where I'm no longer capable of driving I'm going to cash in on all my years of insurance payments by crashing into the most expensive thing I can find.
I feel like the only time your car insurance should ever go up is when you commit a major offense, like a DUI or reckless driving. Basically anything that puts others' lives at risk. Also, the fact that men have to pay more just infuriates me. The amount of sexism in America's system is infuriating.
It's another example of how a patriarchal system hurts men too. Men are "more reckless" cause we are raised to think that's how we're supposed to act yknow then we get punished for it
Whoever makes the laws when giving men an advantage in one thing and women an advantage in the other doesn’t instantly make them equal: *Insert Angry Korean Gamer Scream* I wish I was born in a time where everyone was TRULY equal.
Heh, I am a young male adult and I decided not to but a car. Nothing makes sense in driving!!! Pay more when: -Paying more for your car insurance -Pay your rates, and your rates go higher, and higher -You get any speeding ticket -Getting into any accident -Being male because "we" drive "recklessly"(Which I literally am a male!) -Credit score is good or bad -Under the age of 25 That's it, I have subscribed, thanks for the informative video. I'd rather go in a bike or a public bus rather than waste my future savings!
@Idk__ Unfortunately depending on where you live, sometimes you don’t have a choice. In a place with good transport systems, that works out. But go to the suburbs in literally any midwest state, and you need one, because nothing is in biking or walking distance, and paying for an uber every time is massively expensive.
The only difference between an insurance company and a casino is that the casino doesn't whine and complain and fight you when they owe you a portion of your money back.
I work in insurance and I can say that justifying the fact that the insurance goes up because OTHER PEOPLE living IN YOUR VICINITY had more accidents this year… it’s insane.
"Should have picked the right gender at birth" That's it, I'm going to transition into a girl so I can pay less for car insurance, you can't stop me. Plus I'll get free airbags on my chest.
I love that here in Europe we have incredible useful public transport so we can technically never need to drive are cars to go anywhere. And in my opinion is much more cheaper and efficient.
I can see why, it WAS optional in the past; however that meant a lot of the victims of at-fault car accidents get screwed HARD. The legislature in many states originally had compulsory car insurance because in many accidents the victim got essentially nothing from the owners of automobile accidents. As automobiles became more accessible, the incidences of accidents rose dramatically, leaving victims in debt, potentially disfigured, scarred, losing limbs, or even their life. From an economic standpoint, this is horrible, in which, a negligent or reckless person causes injury to another person. Many people who tend to cause accidents according to statistics are young men (hence why insurance rates are higher), they tend to be not financially secure (given they are in high school, just started their job, or college) which means the victim is out of luck. Sometimes the fear is that the victim or victim's family will employ "self-help" (extortion, threats, robbery, etc.) which is a BIG no-no in a civilized society. This concept of no "self-help" is one of the tenants of property law. Additionally, there was a huge tort debate regarding vehicle accidents which ended up becoming more complicated than your average personal injury case. So an insurance company can subrogate for example to fight another insurance company or another third party to pay up, and these get VERY messy fast, even so much that many lawyers have to specialize in insurance law even after working on the job for years.
Got to love when the person that crashes into you has no insurance, and you have a police report detailing the companies name, truck plates, pictures of the incident from my dash cam and two witnesses and the insurance company does nothing with the evidence to provide a working car again. What's the point of having insurance if you end up having to file a lawsuit?
I would write-out a contract for him to pay you back, and if he doesn't honor it, press criminal charges. You could put him in jail, but you aren't going to do anything about it.
@@kidneybear2005 Hope he wasn't hurt, sorry to hear about that. Never was able to resolve it, plates didn't exist, insurance company kept throwing me in a loop transferring me to different people. Hope he was able to get some closure without too much trouble
@@lucypurr666 He's alright. he was a little sore when he recovered. He was taking his friend somewhere when it happened and I was so scared that I thought he was going to die and I was crying.
honestly i think its safer to go 80 when the whole highway is going 80 than go 65 when the whole highway is going 80 the rule for speed when driving should just be "go with the flow" instead of setting a single limit
True, but what if you end up crashing into someone's expensive car or something (assuming it's your fault) and literally can't afford to fix it out of your own pocket? Who's supposed to pay? You can't, your nonexistent insurance can't, the owner of the expensive car shouldnt, so what gives? It's a bad system, but you can't just get rid of it entirely, it exists for a reason
@@existentialselkath1264 that’s when you go to court, determine liability, and make a structured settlement. These insurance companies do not need to exist
@@xblowsmokex waiting for these "Free market" republicans or "tax the rich" democrats to do somethijng about these insurance companies since they lobbied to make it illegal to drive without it. That's the opposite of free market and helping the poor.
This is why I NEVER learned to drive when I lived in NYC because to me, having a car was entirely optional and NOT necessary to get around the city. Not only for the insurance nonsense but because I didn't have to deal with accident, traffic, gas prices, maintenance, etc. BUT NOW, because my mom wanted to move to Virginia where I can't walk NO WHERE because every store is a 20 minute walk and half the sidewalks end in the BUSHES, I HAVE to learn how to drive!
Same. Except I'm still Living in NYC and I allowed people to shame me for not driving. Now I am finally driving and regretting it and will soon sell my car. The insurance is just not something I can stomach. It's gonna take some time for my rate to come really low, by that time I'd have given these bastards thousands of dollars for nothing.
Nah whats a bigger scam is hospital bills Considering back in the day the prices was is actually fair Untill the insurance companies found a way to give hospitals more money with life insurance Then the price of the hospital became unbearable to the point you would rather limp out with a broken leg then have it be treated Same goes for the dentist Literally why i havent been to the dentist since 2009 (Which considering you get free insurance as a minor i was kind of a dumbass not to go one last time in 2017 before that expired)
@@golf398 Yeah, that's why I hate cities. In low traffic, where I live, I can safely do 65 in a 75 while people pass me at 75-80, with a very wide passing margin. When people have a lot of time to react, they pass safer than in cities where they don't.
I've been saying this for about 4-5 years, as long as I've been old enough to drive. There is no reason these people should be charging younger drivers, who already have millions of other thing to worry about, a minimum of like $200 a month just in case they have an unlikely accident. Not only that, but it's apparently illegal not to? Fucking horse shit. I can barely afford rent, food is harder and harder to come by every month, gas prices have been rising higher and higher for years, and now I need to worry about car insurance on top of it all? If you're poor, you are beyond fucked. I'm not getting forced into a scam by stupid arbitrary laws, I would rather go to jail for driving without insurance than get kicked out of my home for not affording rent and then starving to death.
Yeah it’s one thing for car insurance to be a scam, but to be a scam that you have to buy into, otherwise you will get robbed and/or kidnapped by the government is fucking crazy. I can guarantee if car insurance was a thing when the constitution was made there would be an amendment saying the government can’t force you to buy it, because this shit is straight up fascism. Capitalism is just communism where only rich people get the benefits I guess
There is good reason to charge younger drivers more unfortunately - they are new drivers, meaning they aren't as experienced and are thus more liable to get into an accident. More liability = more cost.
@@DBArtsCreators I get that, but where the FUCK are we supposed to get that kind of money? Younger people have a hard time even being taken seriously by anyone else, and we have to juggle getting our first jobs, figuring out how the rest of the world works, finding out how WE work, trying and failing to get decent higher education, etc ad nauseum. Hell knows these freaks have more than enough money, the least one could ask for is just a little mercy, a little charity, a little basic decency and consideration for fellow humans.
@@bowsmed That is the issue; there is no good answer for it. Asking for charity (or as you put it, a little "basic decency" and "consideration") is anything but when it comes to insurance however; remember that the insurance is not so much for you but anyone you harm in an accident (body or property); if they gave new drivers that bit of "consideration", they'd be putting any possible victims at a disadvantage; more over, the insurance helps to keep the insured out of prison (for the event where you cause an accident, are sued and can't pay - very easy to get into when you don't have an insurance). It is a corrupt system, but it is actually a lot better & more reasonable than people want to think.
@@DBArtsCreators True enough, here's how I see it. Everything in this economy is bullshit. Insurance, loans, taxes, it's all complete and utter bullshit. We could sit for years on end to try and resolve every issue around it all, but frankly, it'd be like polishing a turd. Plenty of people will disagree, maybe even have better ideas, I do not claim to be particularly smart, especially in this regard, but I think the best course of action is to pull the plug and go back to the drawing board. It's idealistic, very unrealistic, more than likely, it will never happen, as the wealthy will lose their excessive power over pretty much everything if we somehow do. But, I think we really could come up with a much better way for things to work, especially for this era, if we could just reset and maintain genuine best interest at heart. But seeing as that's not gonna happen, ever, all we can, and have been doing, is polish our big giant turd of an economy in hopes that it can become something more than all it could ever be. I'd simply rather move to a better country than debate how we could fix up a rich man's personal little antique water mill to power all of this one
We could easily fix this problem, but like a great man once said: "No one really cares about the guy on the bottom No one really cares about the guy beneath And everybody wants to be down with the dude On top of the stairs, top of the stairs" - Skee-Lo
The worst part about being young and needing insurance is the fact your car is worth like $1k-$3k and you pay that a year to insure the thing. So basically you could have just bought another car and drove without insurance after a year.
@@SL-pg4dh still a scam. If I’m worried about crashing I will get insurance for myself. Federally mandating insurance should be a crime. Car’s are essential in 99.99% of the US.
Car insurance itself (or the concept) is fine. You pay x to y company to stockpile funds for when you get into an accident. Then they pay out and go back to square one. It SHOULD work like that, and rates should only go up when you're intentionally recklessly driving and whatever accident is fully your own fault. Nothing else. It's these big companies that ruined it.
'cheap car' and '5 to 10 grand' shouldn't be put in the same sentence unless your buying brand new. Idk what it's like in America but in the UK its not uncommon for a first car to be around (or just under) £1000 used, like a fiat panda or an older hatchback
Most higher ups in the US will tell you the US is a free market where everyone participates and it's a far more perfect system then anywhere else cause if you don't like how it is, you can participate and out-compete the bad actors. Said higher ups also make it laws that favor their companies/"Donors" , make policies friendly to bigger companies, and generally make participating in it a living hell for anyone who is not obscenely wealthy, and that's not just business owners but everyone else. Many people will blame the government or any number of issues on it. The truth is? The game was rigged from the start.
In Poland there is insurance called OC and AC. OC is mandatory but AC insurance is voluntary. OC called "civil liability" is when the accident is your fault and you need to pay to a victim. OC is not that expensive (avarage 500 zł = 117 USD) You could buy AC (works like normal insurance) but you dont need to ( min. cost of AC is 60 zł =14 USD, avarage cost is 1000 zł =234 USD) PS. All insurances are for a year.
@@DBArtsCreators cool then I'll stay in jail,because once I get out I'll just kill someone and go back Because in all honesty sitting in jail with no responsibilities sounds better then being stolen from all day every day
I got into an accident 2 months ago. 100% the other idiots fault and the first accident I’ve ever been in after driving for 15 years. I’m an incredibly safe driver, I’ve had 1 ticket ever from when I was 16 and still learning to drive. My insurance company didn’t even know about the crash because I was just working with the other guys insurance. I bought a new car and called to get it added to my insurance and the rates magically went through the roof. Almost double what it was before. They claim it wasn’t because I got into an accident but that’s clearly bullshit. The most insane part about it was the fact that my insurance company didn’t have to pay a dime for my accident! In fact I did the math, and I’ve paid them somewhere around 18-20k for premiums in the last 15 years and have still never made a claim. On top of that, I got fucked over by the other guys insurance. It’s such a scam and these companies are pretty much immune from punishment. Anyone that says we live in a free country is a fucking idiot at this point.
If my Great Grandmother and Great Grandfather could endure walking around the city in blistering heat for hours at a time and working in awful conditions. One working in heavy labor in the hot sun (My great Grandfather) and the other one working as a nurse in a disease infested hospital (my great Grandmother) Then I think I can endure the crappy bus...
I would ride the bus too…if there was no risk of me becoming 2 hours late or needing to leave 3 hours early just to make it on time. Sounds like excuses, but I highly value my time lol.
@@zonyae29047 I agree with this sentiment, Also I don't think anyone knows how awful it feels to be the only person at a bus stop and a bus completely pass you when you were expecting to get on it. and yes it was in service.
@@Ash_79997 This is why I kinda dont want to ride the bus. Luckily if I absolutey had to, the xpress stop by my house has a parking lot and a well lit rest area so it would be really hard to miss someone waiting for the bus. But the other inconveniences I said in my other comment heavily skew me away from thinking about the bus. Especially since the bus fare monthly is just as much as my monthly parking pass.
I got hit by a school bus. So I call my insurance company and let them know thinking they will just contact the school districts insurance and handle the paperwork and all that stuff for me. The driver admitted she was at fault, the evidence showed she was at fault & Police report reflected she was at fault. My insurance told me there is a 500 deductible that I can be reimbursed for, but it might take awhile. I'm like this accident wasn't my fault, why am I paying anything out of pocket for something I did not cause?...They told me I could go straight through their insurance and avoid the deductible. So cool...I speak directly to their insurance and they sent a letter and also told me I will have to pay a 500 deductible and they will cover the rest, but I have to go through my insurance. But if I didn't have car insurance (Which is a no no) then they would cover the 500 hundred deductible. Why on Earth do I have to pay anything for something I did not cause lol? Nothing in this country makes sense. And if you're just going to reimburse me why do I have to even pay 500? How is this stuff even logical?.
I've been saying this for years. I drove for two years without insurance and never got into an accident. No point in having insurance when the other person should know the risks of driving.
Reminds me how some banks require you to have a minimum amount in your account or they fine you, just willfully inept bureaucracy ruining what should be a simple social function.
If you’re legally required to have something like car insurance, then it should be federally distributed, not privately distributed. If you’re forcing me to have something, give me the means to obtain it.
Videos like this make me glad I love in a civilised country where I can bike to stores and take a clean train that's almost always on time if I need to travel somewhere further.
Speed limits are a lot more stricter in Australia and you can also instantly loose your license for 6 months if you’re caught speeding more than 5KPH over the speed limit in a 40 speed limit zone in the state of Victoria. Also in the state of Victoria anyone who’s on a probationary license such if you had recently passed your license practical test can instantly lose their license for 6 months for running a red light or speeding just 1KPH over the speed limit in a 40 KPH zone.
This sort of applies to all insurance if you think of it from a business perspective. In order for the insurance company to stay in business, they have to make more money from you than you get from them. After so long, the amount of cash that they bail you out for is something you could handle without insurance. The thing is that insurance also pitches in when it comes to legal issues and fine print. For instance, if you go to the hospital without health insurance, they'll often just charge you extra without you knowing because there's not some insurance official reading what exactly they're charging you for, so if you then ask for an itemized list of what exactly you're paying for, the price magically goes down. Also, if some sort of malpractice happens, a lot of people don't have the money on hand to pay for legal fees, so you can't really afford to sue someone UNLESS you're insured. While the insurance seems unnecessary, they're being paid to have your back against worse things.
The usual curse of insurance - everyone thinks it's unnecessary until they need it, but you have to pay for it when you don't need it to make sure it is there when you do need it. That it is legally required is bullshit however.
And that is why I prefer either taking the bus or train, carpooling, or just walking to my destination. Also, how does one comparison shop for jobs near them?
As a guy who is only 20 and has been in only 2 fender benders, I hate my life. Car insurance is walking a fine line between me paying my insurance and suck starting a shotgun.
I had a car insurance claim several months ago. When I went to renew my policy for my 125 cc scooter (not the car), they wanted $675 for six months of coverage! Which is half the value of it! I'm about to give up on owning motor vehicles if it is this bad. I'll buy a heavy duty bicycle and put a motor on it. I could buy a heavy duty quality bicycle for $800. Adding a motor kit with super strong wheels would cost another $1000. If I didn't need any insurance for three years, that would pay for the bicycle. If I need to take a trip I'll use a plane or bus. I lived for six years in Montana without owning a car. I owned a motorized bicycle. It was expensive to maintain and might have been cheaper to own a small scooter; but with insurance rates this insane, I'm more likely to do it again just to refuse to pay the insane insurance companies.
Was coming home from a baseball game one night and the speed limit was 70 so I was doing around 75 when I got on the highway. Soon a STATE POLICEMAN just blows past me (without their lights on), I soon realized that the collective speed limit was 97
Don't forget that unless you pay for the super duper insurance package (for me it was 3x the normal one) your insurance doesn't help _you_ at all. It only benefits other drivers for you to have insurance. So if you get into an accident with someone, and they don't have insurance, you're the one who has to pay for your car out of pocket.
Imagine being legally required to have car insurance but not health insurance lmao
Gotta love America
Really makes "Worth more dead than alive" hit different.
You joke! Oh you joke!
But this is the bad joke of a reality a bunch of us live in.
“Oh those kooky Americans and their guns. They don’t even realize how bad things are over there.”
Nonono we know how bad it is alright. There is Jack we can do about it though because the system is so against the common man that it’s easier to go through the stages of grief and realize you’re powerless than it is to actually do something about it because you can’t do something about it.
I and a million other people walk on ice every day because if you make one mistake they shackle you with a lifetime of debt and it’s torture!
It's really hard for your bad health alone to total other people's cars or homes.
U.S.A. U.S.A. U.S.A.
Being a 14 year old boy hearing about young adults struggling with like 9 different things that do with the government makes me wish to stay a child
Stop liking my comment... idk how the hell I got on top
And they blame our "laziness and incompetence" for all our struggles
Damn, I remmeber when I was 14. Time flies bro, make the most of it and start planning lmao
@@Iberny3 Man I dont wanna but I dont really got a choice do i?
go outside while you can.
Being a 16 year old boy and hearing your insurance will be more expensive than the chick who used her phone or puts on makeup while she drives.
So are we all realizing this at the same time? I was literally just telling my mom how bullshit car insurance is
Come to europe we dont have that problem
Florin Salam approves
If people are only now realizing how much of a scam car insurance is, I am utterly heartbroken. The second I have enough money to move far, FAR, away from America, I'm taking that trip like a hippie at Woodstock, but I'm bottom of the economy poor poor poor, so it'll take a couple eons to save up enough to even consider moving to a better state. Welcome to the absolute state of God damned motherfucking America, land of trash, Hell on earth, bane of everything worth living for
Dis she agree or disagree?
Same
"No tickets, accidents or claims of any kind in over 25 years. I am a cash cow for them.
Crazy thing is here in Cali my insurance has been going up 10% a year for the past few years. Remember the days went it went down the longer you had your car?
" - Shaggy Rogers
I see you everywhere.
You say you are a cash cow for them, but in reality you probably make them less than anyone else, which just drives home the scam.
Every channel I go I see him everywhere
Yeah what ever happened to that
Imagine a society if public transportation is common bruh
Europe
@@cyrusthegreat7030 , Japan also has perfect public transporting systems too, but I’m not really certain about places outside of Japan and Europe that have perfect public transporting systems.
WOULD BE NICE
Brazil has some too, the problem is that in some places you will boil alive inside of the bus.
Public transportation sucks in third world countries and we're becoming a third world country
What's even more annoying is that many employers prefer people who can drive and have their own car. So I'm paying for insurance and maintenance for a car, and then commuting on a bicycle, but if I get rid of my car then my employers will take issue with that and finding new jobs would be even more of a pain.
Literally the only reason I have a car is because when I turned 18 my at the time employer said that I need a car if I want to keep my job, even though I cycle commuted, and still do.
They need to most desperate people so companies can treat them as bad as they want, and the employee can't leave because they need the job.
Why would you need a car to keep your job? In what universe would that ever make sense?
@@screamingperson999 work will always be toxic as long as it is better than unemployment
@@jackmist either because of the image or because they struck a deal with the car company
Can't you just share the ownership of someone else's car? Like your relatives or friends?
As a german thats 24 and driving like a maniac i can not relate
No speed limit for the win!!!! Prased be the Autobahn
Wait what?
take me there
Agreed. We Germans neither want nor need that speed limit. Of course, at some points it’s understandable for 130 km/h (surprisingly enough ~81 miles/h), but only 100 km/h is stupid.
So yes, danke, liebe Autobahn.
@@Spatnz Sure.
@@darellarocho5729 what? On a lot of parts of the Autobahn you can drive as fast you want as long you stay on the left lane and doun’t swerve between lanes and Traffic
"Hey car insurance company I crashed my car"
"We won't cover it lmao"
*Increases monthly rate*
That's scam
Car Insurance sounds like a catch 55 where essentially you are punished for being a poor young man.
Isn’t that just America in general? Punish the poor and praise the Rich?
It is
You mean catch-22?
@@weathermansam2 Nope.
@@evanlight2550 100%
I feel like car insurance was just a safety fund with good intentions but eventually corporate america got their grubby hands on it and ruined it.
It'd make more sense to just have funds locked into an account to pay for car accidents than this shitty subscription.
Welcome to corporate America! That breath you just took will cost you 50¢ :D
That seems to be a reoccurring theme
Welcome to corporate America, where the government establishment does anything in its power to collude with corporate interest, and profits off of it, while being above the law and the average citizen.
@@occul4rsn1pes32 depending on state it can go up to 2$
@@hollow6189 California
Insurance is a literal scam in general. Case in point, my roommates had to get their kitchen redone entirely footing the bill because of water leaks underneath the floor. The insurance they have wouldn't lift a finger despite them paying it for 25 years without even needing it up until a few months ago.
I got hit by a box truck ( they are at fault ) Insurance told me since the driver for the company was not listed on the vehicle owners policy that they might not pay the claim. So since they want to play that game I have a doctors appointment scheduled for next week, since my back magically started to hurt 1 week after the wreck.
@@Geekmasterproduction dawg it isnt a great idea to post this shit online
@@Geekmasterproductionhow'd it go
The fact that there are specialized law firms who's whole purpose is to FORCE insurance companies to pay out speaks VOLUMES. Fuck car insurance I might as well just not get a car.
You forgot to mention they're also expensive.
Lmao and depending on what insurance you have you paid all that money just to have them tell you they ain't covering it
Why, your paying them so you don’t lose money when an accident happens
@@tthunder878 lets say your in a 1999 altima and you just so happen to hit a 2020 audi if you have the general your screwed full coverage and all
@@tthunder878 It doesn’t even work like that. The amazing thing is, you’ll expect insurances to cover basics.
But it has so many “packages” that you need to buy so your insurance cover it. For example, hit and runs, not all insurance packages cover it.
This shit is 100% a scam.
@@tthunder878 Oh and if the accident isn’t your fault, for example car packed perfectly in your driveway and some asshole tbones it while DUI, your insurance still goes up, lol.
How no one has taken this crap to court yet is beyond me.
@@Iberny3 thank you that's a way better explanation than I could have provided
Fun fact: seal is zeehond in dutch wich translates into sea dog
thank you for the fun fact Jari
mcdonalds french fry
seal is kelev yam in hebrew which translates into sea dog
Fry
Its seehund in german which also translates to sea dog.
its actually less safe to not be going the same speed as everyone else on the highway
If you are within 10mph of average traffic speed and are in the appropriate lane for your speed, it should be fine. Except in cites, where people drive and merge like maniacs for no discernable reason
Definitely! There's a point where if you're too slow, everyone is shifting lanes to get around you increasing the chances of traffic and crashes, and increasing the potential force of impact in the event of a rear end crash.
Fact!
It's maybe less save but do you want a ticket instead?
Brandon Wombacher If someone else nearby is speeding faster than you, you’ll be fine because they’ll nab that guy first.
Here in the uk they tend to say that the thing that causes your car to be damaged is a work of God so they don't need to do anything
I hate that they’re able to bring religion into it just as a scapegoat to not have to cover shit. Like oh your house was hit with a tornado or a flash flood or you got cancer, it’s an act of god bro, figure it out!
I would honestly just engrave "god" onto a baseball bat and see if that holds up when it is their cars.
so even if you use it they don't need to actually do anything
I had a sign come off a building in a storm and proper smash up my car, they legit said this and did nothing about it
This is so funny and makes me lose a little bit of hope for a group of people i already didnt have much hope for
Fun fact: Having a good gpa in school can lower your insurance rates.
Even though I'm benefiting from that myself.
I still think it's the dumbest thing to take into consideration. Like, your good grades don't make you a good driver. Even if you get good grades in Deivers Ed class, they don't even count toward your GPA at least for my school.
Yeah for real I had a low GPA but I was better at driving than most of the other kids in my class and I haven't been in an accident that was my fault yet. So I have to agree with you it is pretty dumb.
At this point, they might as well aggregate those factors like GPA or credit score and create Social Credit System 2: Scam Boogaloo
Hey, i get good grades, but at the first opportunity i will ram my car at 120 km/h into anyone i see doing anything i personally dislike
uwu
I was a 4.0 student and I go over 20 sometimes lol bullshit
Used to be an insurance agent in FL, 4-40 license.
Your general luck is a statistic and factored into risk measurement and it is fucking stingy. You can have no accidents for a good ten years, but if you get into more than one accident, even if they are not your fault, your rates are liable to skyrocket, exponentially.
Worst part is that you can never talk to someone that can actually do anything about it.
well now i wanna know what my general luck is. at least then i can at least start farming up my irl luck stat
@@MrMoron-qn5rx me to holy fuck thats shit is wild
It's another symptom of the broken system: squeezing those quarterly profits as high as it can.
@@wormwoodbecomedelphinus4131
Y e p
I was honestly amazed when that part came up in my training. According to them, bad luck begets bad luck, and if you've been in an accident, regardless of fault, chances are you'll get into another one.
Imagine having to explain that to someone who's already pissed to begin with. Fun times.
@@wormwoodbecomedelphinus4131 the fires of greed will burn the weak
How tf does the government expect people to afford all of this? No wonder there are people going homeless.
"That's the fun part, we don't."
-Government probably
The craziest part is that the government doesn't just force you to get car insurance, it basically sets the price of your policy by forcing you to get certain coverages and place limit on how low you can go.
We have to act
Hate to get real, but I recently got in my first car wreck about a month ago. Everyone was fine and my car got the worse end of the deal. I took the car to a repair shop and they sent me an estimate of ~3.5k for repairs. My insurance company had me do a digital evaluation on my phone by taking pictures from a bunch of different angles, and based on that, they decided that the damages were worth at MOST $800. My rates haven't gone up (yet) but I've been driving for 5 years and that was my first accident, I'm expecting an extra $100 added on to my monthly payment, bc why not.
It sounds like you have a shitty insurance company.
How much it went up?
There is no such thing as a car accident. ☮
It's why I don't wanna get a car. I have to get insurance and just...can't afford it. And yeah, insurance scamming also causes assholes to cause more accidents. Car insurance is honestly just... nothing.
Car insurance is insuring that you are getting fucked in one way or another
I'm glad I'm not the only one!
Unfortunately, not having a car also makes it much harder to get a job.
@@akpsyche1299 This is why I'm glad I live in NYC. Good transportation but the insurance prices are out of control. I'm about to give up my car just because the insurance is outpacing my car payment.
it's a jewish system of drilling a hole into the economy and suck it dry
I couldn't agree more. As a young male, my prices are much higher than they should be, especially since I have been driving since 2015, I've never been in an accident, and I was only pulled over once, and that was because my mom forgot the tail-lights on the car and so they were off at night(thankfully, the cop was a real one and wrote it for her, so still spotless record). Yet, my insurance prices are through the roof.
I understand that young males are more inclined to car incidents, but you shouldn't charge me for something others have done and I have not in 7 YEARS.
Friendly reminder that women have it harder then men,apparently
Turns out people only care about sexism if it’s towards women
New law idea: just make it so males have to pay more after the first accident for car insurance, but keep the rates the same for normal drivers, and the second accident is just the same added amount for the first accident, but add the extra rates from the second accident
Example:
Current Male rates: x + C
Current Female Rates: x
Current rate post accident(male): 2(x+c)
Current rate post accident(female): 2x
New no accident rate(both): x
1 accident male: 2x+c
2 accident male: 3x+c
1 accident female: 2x
2 accident female: 3x
Tldr: make innocent men pay the same as innocent women, and have the increased rates on gender be linear and not multiplicative.
@@mastermudkip4629 Nope,just go case by case.
Any difference is bs.
@@mastermudkip4629 nah just make them both pay equally
I still don't get why the USA the supposed "greatest" and "richest" nation on Earth have shitty public transportation...
You dont want to open that can of worms.
As a American I'll tell you why. Because the U.S. is NOT great. Any one that tells you that it is the greatest is ignorant and full of hot air.
Massive open areas that make connecting public transport (between cities & towns) difficult, while also being so condensed that internal public transport systems are difficult to start/maintain without throwing dozens of other things out of whack (depending on what type of public transport we are talking about).
@@DBArtsCreators and more
They’re the richest cause they don’t spend their money on important shit
I saw somewhere recently someone said “car insurance is the only service where you get punished for using it”
as a man that is in his early 20's I pay about $350 a month for car insurance. I have never gotten a ticket and have never been in a car accident. that's is an entire paycheck for me. fuck insurance.
Just liability or car insurance protection too? You can cut costs if you downgrade to the bare minimum of just liability insurance.
Ok that’s a ridiculous amount. Hard to believe honestly. You driving a Ferrari?
@@Sin10el nope kia forte 2016
@@thecoolguy837 I drive a 2018 forte with multiple tickets and one accident and I pay 80 a month
@@Sin10el from what I've seen from a quick google search I pay the average amount for my age range, couldn't post any links comment kept getting deleted. What insurance do you use I obviously need to switch lmao. Also looking back at my comment I left out that I have full coverage so that is probably why its so high, I most likely do not need full coverage.
On that speed limit suggestion thing, in my driving class, we were specifically told that you can get a ticket for _under speeding._ What qualifies as underspeeding? *Driving under the speed limit.* The speed “limit” here isn’t a limit, *it’s a minimum.*
Bro they’ll find a way to fine you for just existing.
I remember my first 6-8 months of driving was tainted by the fact that my parent’s let Progressive install some Saw torture device in me and my parent’s cars. The device was meant to “reward you for safe driving” by offering a discount on insurance if you managed to not press your brakes too hard too often, and I would play an obnoxious beeping sound every time it determined you braked too hard.
The massive issue with this ordeal is that it literally didn’t measure for anything else other than hitting the brakes too fast. As a result of me being a dumbass first-time teenage guy driver, I adapted by just never hitting the brakes at all and sped through yellow lights and made sharp fast turns just so I could avoid that awful beeping.
I’ve always looked back at that time with fuming rage for my parents ever signing up to that stupid discount scheme at the cost of genuinely risking our lives trying not to slam the breaks too hard, and now that I’ve watched this video I realize I just had an extra layer on how fcuked up car insurance companies can be towards first-time drivers.
This is literally the most dystopian thing imaginable
Man I was just about to sign up for that stupid snapshot device monitoring shxt. It was gonna save me like a hundred dollars. Now I gotta think about it.
I think we should all drive our cars into car insurance firms as a form of protest.
When I get to the age where I'm no longer capable of driving I'm going to cash in on all my years of insurance payments by crashing into the most expensive thing I can find.
When that time comes, its probably going to be a 50cc moped thanks to inflation.
This is the most based video ever made.
I feel like the only time your car insurance should ever go up is when you commit a major offense, like a DUI or reckless driving. Basically anything that puts others' lives at risk.
Also, the fact that men have to pay more just infuriates me. The amount of sexism in America's system is infuriating.
Mostly against men
It's another example of how a patriarchal system hurts men too. Men are "more reckless" cause we are raised to think that's how we're supposed to act yknow then we get punished for it
Whoever makes the laws when giving men an advantage in one thing and women an advantage in the other doesn’t instantly make them equal: *Insert Angry Korean Gamer Scream*
I wish I was born in a time where everyone was TRULY equal.
It should never go up or down for any reason.
@♥︎BrownyBugAlex♥︎ Yea while men probably do drive more recklessly women take the cake when it comes to accidents anyway by and large.
Heh, I am a young male adult and I decided not to but a car. Nothing makes sense in driving!!!
Pay more when:
-Paying more for your car insurance
-Pay your rates, and your rates go higher, and higher
-You get any speeding ticket
-Getting into any accident
-Being male because "we" drive "recklessly"(Which I literally am a male!)
-Credit score is good or bad
-Under the age of 25
That's it, I have subscribed, thanks for the informative video. I'd rather go in a bike or a public bus rather than waste my future savings!
Just wait until some retard politician decides you need a license and insurance to bike around
As a portuguese, i already know that. All insurance companies here never work like they should
here to but you can chosse
@@timme120 Well here you got ageas, caravela, liberty.... the list goes on but its all the same thing
But are you a porch geese? :)
It’s a scam and a half honestly
It’s like being taxed for having a car
It IS being taxed for having a car
And we already get taxed for having a car with property tax…
My country is proposing a tax that costs more or less depending on what type of car you drive.
@Idk__ Unfortunately depending on where you live, sometimes you don’t have a choice. In a place with good transport systems, that works out.
But go to the suburbs in literally any midwest state, and you need one, because nothing is in biking or walking distance, and paying for an uber every time is massively expensive.
You should come to The Netherlands. There have taxes for everything.
Right now the Government still needs money for their goals..
An old coworker of mine says there is very little difference from a mafia and an insurance company
The only difference between an insurance company and a casino is that the casino doesn't whine and complain and fight you when they owe you a portion of your money back.
I work in insurance and I can say that justifying the fact that the insurance goes up because OTHER PEOPLE living IN YOUR VICINITY had more accidents this year… it’s insane.
Bro wtf
Still not justified
They can afford to do this because insurance is mandatory. The consumer gets screwed when the government mandates a purchase of service.
@@SL-pg4dhwho do you think lobbied for the government to make it so? Insurance companies. They want you to be forced to pay them
well yeah, if you live near terrible drivers then you’re more at risk of an accident. only makes sense
"Should have picked the right gender at birth"
That's it, I'm going to transition into a girl so I can pay less for car insurance, you can't stop me. Plus I'll get free airbags on my chest.
”Modern problems requires modern solutions.”
Becomes waifu
bro dont kys
The airbags on your chest are just as sensitive as ballz so not a good idea
SCP 113 moment ngl
This feels like a great segue into a rant on American driving as a whole.
I love that here in Europe we have incredible useful public transport so we can technically never need to drive are cars to go anywhere. And in my opinion is much more cheaper and efficient.
@@MadWatcher What's wrong with it?
This guy has told me more about life than school ever will
I have an amazing solution to this problem, make car insurance a option and not mandatory.
You’re 100% 100 objectively right and truthfully accurately correct that car insurance should be optional and not mandatory.
@@RoronoaZoro-ur6hr unlike health insurance lol
That’s never gonna happen, they have too much money for b̶r̶i̶b̶e̶r̶y̶ lobbying for that to ever change
I can see why, it WAS optional in the past; however that meant a lot of the victims of at-fault car accidents get screwed HARD.
The legislature in many states originally had compulsory car insurance because in many accidents the victim got essentially nothing from the owners of automobile accidents. As automobiles became more accessible, the incidences of accidents rose dramatically, leaving victims in debt, potentially disfigured, scarred, losing limbs, or even their life. From an economic standpoint, this is horrible, in which, a negligent or reckless person causes injury to another person. Many people who tend to cause accidents according to statistics are young men (hence why insurance rates are higher), they tend to be not financially secure (given they are in high school, just started their job, or college) which means the victim is out of luck. Sometimes the fear is that the victim or victim's family will employ "self-help" (extortion, threats, robbery, etc.) which is a BIG no-no in a civilized society. This concept of no "self-help" is one of the tenants of property law.
Additionally, there was a huge tort debate regarding vehicle accidents which ended up becoming more complicated than your average personal injury case. So an insurance company can subrogate for example to fight another insurance company or another third party to pay up, and these get VERY messy fast, even so much that many lawyers have to specialize in insurance law even after working on the job for years.
Yeah, but the problem is the guys at the top won't make as much money off you anymore!
Gotta love how you are required to have insurance but if someone without insurance hits you you're screwed
Got to love when the person that crashes into you has no insurance, and you have a police report detailing the companies name, truck plates, pictures of the incident from my dash cam and two witnesses and the insurance company does nothing with the evidence to provide a working car again. What's the point of having insurance if you end up having to file a lawsuit?
I would write-out a contract for him to pay you back, and if he doesn't honor it, press criminal charges. You could put him in jail, but you aren't going to do anything about it.
I think my dad's been through something like that and it involved a fire truck
@@kidneybear2005 Hope he wasn't hurt, sorry to hear about that. Never was able to resolve it, plates didn't exist, insurance company kept throwing me in a loop transferring me to different people. Hope he was able to get some closure without too much trouble
@@lucypurr666 He's alright. he was a little sore when he recovered. He was taking his friend somewhere when it happened and I was so scared that I thought he was going to die and I was crying.
honestly
i think its safer to go 80 when the whole highway is going 80 than go 65 when the whole highway is going 80
the rule for speed when driving should just be "go with the flow" instead of setting a single limit
I get that but how many are even taking care enough of their vehicle incase one needs to slam their brakes?
It'd be great if we could just buy a car and get the process done in one day and then never have to pay them again
True, but what if you end up crashing into someone's expensive car or something (assuming it's your fault) and literally can't afford to fix it out of your own pocket?
Who's supposed to pay? You can't, your nonexistent insurance can't, the owner of the expensive car shouldnt, so what gives?
It's a bad system, but you can't just get rid of it entirely, it exists for a reason
@@existentialselkath1264 yeah but here's the thing, tell me a car insurance that would give you enough money to pay for the expensive car.
@@existentialselkath1264 And the reason is to scam people out of their money, simple as that
@@existentialselkath1264 that’s when you go to court, determine liability, and make a structured settlement. These insurance companies do not need to exist
@@xblowsmokex waiting for these "Free market" republicans or "tax the rich" democrats to do somethijng about these insurance companies since they lobbied to make it illegal to drive without it. That's the opposite of free market and helping the poor.
This is why I NEVER learned to drive when I lived in NYC because to me, having a car was entirely optional and NOT necessary to get around the city. Not only for the insurance nonsense but because I didn't have to deal with accident, traffic, gas prices, maintenance, etc. BUT NOW, because my mom wanted to move to Virginia where I can't walk NO WHERE because every store is a 20 minute walk and half the sidewalks end in the BUSHES, I HAVE to learn how to drive!
Yeah similar story here. Getting around on bike is the best for me
Same. Except I'm still Living in NYC and I allowed people to shame me for not driving. Now I am finally driving and regretting it and will soon sell my car. The insurance is just not something I can stomach. It's gonna take some time for my rate to come really low, by that time I'd have given these bastards thousands of dollars for nothing.
Nah whats a bigger scam is hospital bills
Considering back in the day the prices was is actually fair
Untill the insurance companies found a way to give hospitals more money with life insurance
Then the price of the hospital became unbearable to the point you would rather limp out with a broken leg then have it be treated
Same goes for the dentist
Literally why i havent been to the dentist since 2009
(Which considering you get free insurance as a minor i was kind of a dumbass not to go one last time in 2017 before that expired)
80 mph thing is fairly normal the speed limit on interstates is usually 70
but if you're not going at least 80 you're getting passed by everyone.
@@golf398 Yeah, that's why I hate cities. In low traffic, where I live, I can safely do 65 in a 75 while people pass me at 75-80, with a very wide passing margin. When people have a lot of time to react, they pass safer than in cities where they don't.
Or the rural roads between major cities and you will easily see people driving 90-100 MPH.
@@coolyeh1017 Just stay to the ones that are more than 2 hours away from cities, and the opposite is true
I've been saying this for about 4-5 years, as long as I've been old enough to drive. There is no reason these people should be charging younger drivers, who already have millions of other thing to worry about, a minimum of like $200 a month just in case they have an unlikely accident. Not only that, but it's apparently illegal not to? Fucking horse shit. I can barely afford rent, food is harder and harder to come by every month, gas prices have been rising higher and higher for years, and now I need to worry about car insurance on top of it all? If you're poor, you are beyond fucked. I'm not getting forced into a scam by stupid arbitrary laws, I would rather go to jail for driving without insurance than get kicked out of my home for not affording rent and then starving to death.
Yeah it’s one thing for car insurance to be a scam, but to be a scam that you have to buy into, otherwise you will get robbed and/or kidnapped by the government is fucking crazy. I can guarantee if car insurance was a thing when the constitution was made there would be an amendment saying the government can’t force you to buy it, because this shit is straight up fascism. Capitalism is just communism where only rich people get the benefits I guess
There is good reason to charge younger drivers more unfortunately - they are new drivers, meaning they aren't as experienced and are thus more liable to get into an accident. More liability = more cost.
@@DBArtsCreators I get that, but where the FUCK are we supposed to get that kind of money? Younger people have a hard time even being taken seriously by anyone else, and we have to juggle getting our first jobs, figuring out how the rest of the world works, finding out how WE work, trying and failing to get decent higher education, etc ad nauseum. Hell knows these freaks have more than enough money, the least one could ask for is just a little mercy, a little charity, a little basic decency and consideration for fellow humans.
@@bowsmed
That is the issue; there is no good answer for it. Asking for charity (or as you put it, a little "basic decency" and "consideration") is anything but when it comes to insurance however; remember that the insurance is not so much for you but anyone you harm in an accident (body or property); if they gave new drivers that bit of "consideration", they'd be putting any possible victims at a disadvantage; more over, the insurance helps to keep the insured out of prison (for the event where you cause an accident, are sued and can't pay - very easy to get into when you don't have an insurance).
It is a corrupt system, but it is actually a lot better & more reasonable than people want to think.
@@DBArtsCreators True enough, here's how I see it. Everything in this economy is bullshit. Insurance, loans, taxes, it's all complete and utter bullshit. We could sit for years on end to try and resolve every issue around it all, but frankly, it'd be like polishing a turd. Plenty of people will disagree, maybe even have better ideas, I do not claim to be particularly smart, especially in this regard, but I think the best course of action is to pull the plug and go back to the drawing board. It's idealistic, very unrealistic, more than likely, it will never happen, as the wealthy will lose their excessive power over pretty much everything if we somehow do. But, I think we really could come up with a much better way for things to work, especially for this era, if we could just reset and maintain genuine best interest at heart. But seeing as that's not gonna happen, ever, all we can, and have been doing, is polish our big giant turd of an economy in hopes that it can become something more than all it could ever be. I'd simply rather move to a better country than debate how we could fix up a rich man's personal little antique water mill to power all of this one
We could easily fix this problem, but like a great man once said:
"No one really cares about the guy on the bottom
No one really cares about the guy beneath
And everybody wants to be down with the dude
On top of the stairs, top of the stairs"
- Skee-Lo
As a MarioKart expert, I can confirm that this is accurate.
The worst part about being young and needing insurance is the fact your car is worth like $1k-$3k and you pay that a year to insure the thing. So basically you could have just bought another car and drove without insurance after a year.
You are not actually insuring your car. You are insuring your potential victims car and hospital bills. Insuring your car is optional
@@SL-pg4dh still a scam. If I’m worried about crashing I will get insurance for myself. Federally mandating insurance should be a crime. Car’s are essential in 99.99% of the US.
Hearing this makes me feel how lucky I am to be Australian and not have to deal with shitty car insurance
I feel like this is the spatnz video that should be getting trending just based on how true it is.
This is what happens when you let car companies lobby city design
The guy who made Car Insurance probably also made YT rewind 2018
Car insurance itself (or the concept) is fine. You pay x to y company to stockpile funds for when you get into an accident. Then they pay out and go back to square one. It SHOULD work like that, and rates should only go up when you're intentionally recklessly driving and whatever accident is fully your own fault. Nothing else. It's these big companies that ruined it.
'cheap car' and '5 to 10 grand' shouldn't be put in the same sentence unless your buying brand new.
Idk what it's like in America but in the UK its not uncommon for a first car to be around (or just under) £1000 used, like a fiat panda or an older hatchback
my first was a 57 plate clio. cost me £1100, insurance was 2x that.
Most higher ups in the US will tell you the US is a free market where everyone participates and it's a far more perfect system then anywhere else cause if you don't like how it is, you can participate and out-compete the bad actors.
Said higher ups also make it laws that favor their companies/"Donors" , make policies friendly to bigger companies, and generally make participating in it a living hell for anyone who is not obscenely wealthy, and that's not just business owners but everyone else.
Many people will blame the government or any number of issues on it. The truth is? The game was rigged from the start.
The us has an oligarchy just like russia, yet the establishment blames others for its actions
Freemasonry
My phone said there are two replies but I can't find them
00:26 Oh god... Anyone see that subway shooting? 😬
After hearing all this I can conclude that America literally wants us to leave the country
I just got a nft ad in the first second.
2:02 "if you build a race track, I'm gonna race on it"
Best quote 👌
So that's why so many Americans are racists!
Car insurance should be a government tax and not a private entity that makes money off of you
ah insurance, something you can't live without, but something you hope you never have to use
Doesn't matter they won't pay out anyways. Either way you lose and they win. They rig the system that way.
Just like a fire extinguisher, except that it cost you a grand.
In Poland there is insurance called OC and AC. OC is mandatory but AC insurance is voluntary.
OC called "civil liability" is when the accident is your fault and you need to pay to a victim.
OC is not that expensive (avarage 500 zł = 117 USD)
You could buy AC (works like normal insurance) but you dont need to ( min. cost of AC is 60 zł =14 USD, avarage cost is 1000 zł =234 USD)
PS. All insurances are for a year.
Insurance covers you totaling other people's property if you fuck up, so you likely don't go to jail.
I'll take jail
@@badasscrusader
That's why they legally require you to have insurance; the victims need to be protected.
@@DBArtsCreators cool still prefer jail over my income being stolen
@@badasscrusader
It's not stolen; if you go to jail over it they WILL steal everything to pay back the person whose property you damaged.
@@DBArtsCreators cool then I'll stay in jail,because once I get out I'll just kill someone and go back
Because in all honesty sitting in jail with no responsibilities sounds better then being stolen from all day every day
0:49 *drives to Burger King at 40mph because I ain’t getting a ticket
I got into an accident 2 months ago. 100% the other idiots fault and the first accident I’ve ever been in after driving for 15 years. I’m an incredibly safe driver, I’ve had 1 ticket ever from when I was 16 and still learning to drive. My insurance company didn’t even know about the crash because I was just working with the other guys insurance. I bought a new car and called to get it added to my insurance and the rates magically went through the roof. Almost double what it was before. They claim it wasn’t because I got into an accident but that’s clearly bullshit. The most insane part about it was the fact that my insurance company didn’t have to pay a dime for my accident! In fact I did the math, and I’ve paid them somewhere around 18-20k for premiums in the last 15 years and have still never made a claim. On top of that, I got fucked over by the other guys insurance. It’s such a scam and these companies are pretty much immune from punishment. Anyone that says we live in a free country is a fucking idiot at this point.
If Elon musk actually wanted to have a cleaner environment he'd invest in train infrastructure far more
I dream of trains
Found the adam something fan
@@IstvanEgri-zr5sp hell yeah brother
This video isn't about Elon Musk. I accept your opinion but don't spam it everywhere fr.
@@sebastianh8829 I know it's not, it's a video about cars, and Elon owns a company that makes cars
If my Great Grandmother and Great Grandfather could endure walking around the city in blistering heat for hours at a time and working in awful conditions.
One working in heavy labor in the hot sun (My great Grandfather) and the other one working as a nurse in a disease infested hospital (my great Grandmother)
Then I think I can endure the crappy bus...
I would ride the bus too…if there was no risk of me becoming 2 hours late or needing to leave 3 hours early just to make it on time. Sounds like excuses, but I highly value my time lol.
@@zonyae29047 Ohh I completely forget about that risk... GET YOUR CRAP TOGETHER PUBLIC TRANSPORT!
@@zonyae29047 I agree with this sentiment, Also I don't think anyone knows how awful it feels to be the only person at a bus stop and a bus completely pass you when you were expecting to get on it. and yes it was in service.
@@Ash_79997 This is why I kinda dont want to ride the bus. Luckily if I absolutey had to, the xpress stop by my house has a parking lot and a well lit rest area so it would be really hard to miss someone waiting for the bus. But the other inconveniences I said in my other comment heavily skew me away from thinking about the bus. Especially since the bus fare monthly is just as much as my monthly parking pass.
Back in my day I walked 500 MILES to school every morning
0:45
Try being in the car with my Mum when she's late for work
80 mph?
*Laughs in Germany*
I got hit by a school bus. So I call my insurance company and let them know thinking they will just contact the school districts insurance and handle the paperwork and all that stuff for me. The driver admitted she was at fault, the evidence showed she was at fault & Police report reflected she was at fault. My insurance told me there is a 500 deductible that I can be reimbursed for, but it might take awhile. I'm like this accident wasn't my fault, why am I paying anything out of pocket for something I did not cause?...They told me I could go straight through their insurance and avoid the deductible. So cool...I speak directly to their insurance and they sent a letter and also told me I will have to pay a 500 deductible and they will cover the rest, but I have to go through my insurance. But if I didn't have car insurance (Which is a no no) then they would cover the 500 hundred deductible. Why on Earth do I have to pay anything for something I did not cause lol? Nothing in this country makes sense. And if you're just going to reimburse me why do I have to even pay 500? How is this stuff even logical?.
At least GEICO let’s you save 15% or more on car insurance.
Too much?
We ALL NEED TO UNITE AND BOYCOTT PAYING FOR INSURANCE!!
Gaiko: you can save hundrets of dollars
*lower each price by 1 cent to save hundrets of dollars
Why don't we all do something about this? COME ON GUYS, WE CAN SIMPLY PROTEST THIS BS
I've been saying this for years. I drove for two years without insurance and never got into an accident. No point in having insurance when the other person should know the risks of driving.
@@MadWatcher It is illegal so I wouldn't recommend it, but I live in a big city where most crime goes unnoticed.
WOOW that’s stupid. This is why I’d rather stay under 18; being an adult sounds awful. I’ll just go back to being oblivious.
Reminds me how some banks require you to have a minimum amount in your account or they fine you, just willfully inept bureaucracy ruining what should be a simple social function.
Bouta order out Burger King's whole stock of Impossible Burgers
This sounds like hell. My Dad when talking about this stuff is usually very calm. But really only because he has a good credit score
This man makes a video about everything we've thought about at least once and I love it
Geico: 15 Minutes Could Save you 15 or More on Car Insurance.
If you’re legally required to have something like car insurance, then it should be federally distributed, not privately distributed. If you’re forcing me to have something, give me the means to obtain it.
It should be illegal to make car Insurance mandatory.
Videos like this make me glad I love in a civilised country where I can bike to stores and take a clean train that's almost always on time if I need to travel somewhere further.
Speed limits are a lot more stricter in Australia and you can also instantly loose your license for 6 months if you’re caught speeding more than 5KPH over the speed limit in a 40 speed limit zone in the state of Victoria. Also in the state of Victoria anyone who’s on a probationary license such if you had recently passed your license practical test can instantly lose their license for 6 months for running a red light or speeding just 1KPH over the speed limit in a 40 KPH zone.
I live in a small city in europe and it's really bicycle friendly
can't even imagine the life without it
I wish that was my town
"Insurance is the solution to a problem that never existed"
This sort of applies to all insurance if you think of it from a business perspective. In order for the insurance company to stay in business, they have to make more money from you than you get from them. After so long, the amount of cash that they bail you out for is something you could handle without insurance.
The thing is that insurance also pitches in when it comes to legal issues and fine print. For instance, if you go to the hospital without health insurance, they'll often just charge you extra without you knowing because there's not some insurance official reading what exactly they're charging you for, so if you then ask for an itemized list of what exactly you're paying for, the price magically goes down. Also, if some sort of malpractice happens, a lot of people don't have the money on hand to pay for legal fees, so you can't really afford to sue someone UNLESS you're insured. While the insurance seems unnecessary, they're being paid to have your back against worse things.
The usual curse of insurance - everyone thinks it's unnecessary until they need it, but you have to pay for it when you don't need it to make sure it is there when you do need it.
That it is legally required is bullshit however.
In texas the speed limit is 65 on a highway but everyone goes 80-90 and as long as you don’t pass a cop and let cops pass you then they do not care.
This is making me want to get up and start waving red flags
And that is why I prefer either taking the bus or train, carpooling, or just walking to my destination. Also, how does one comparison shop for jobs near them?
As a guy who is only 20 and has been in only 2 fender benders, I hate my life. Car insurance is walking a fine line between me paying my insurance and suck starting a shotgun.
I had a car insurance claim several months ago. When I went to renew my policy for my 125 cc scooter (not the car), they wanted $675 for six months of coverage! Which is half the value of it! I'm about to give up on owning motor vehicles if it is this bad.
I'll buy a heavy duty bicycle and put a motor on it. I could buy a heavy duty quality bicycle for $800. Adding a motor kit with super strong wheels would cost another $1000. If I didn't need any insurance for three years, that would pay for the bicycle. If I need to take a trip I'll use a plane or bus.
I lived for six years in Montana without owning a car. I owned a motorized bicycle. It was expensive to maintain and might have been cheaper to own a small scooter; but with insurance rates this insane, I'm more likely to do it again just to refuse to pay the insane insurance companies.
Some day I’m just gonna make a cheap car insurance where the tagline is “We won’t help you, but we are legally car insurance.”
Finally someone points out how stupid insurance is!
Was coming home from a baseball game one night and the speed limit was 70 so I was doing around 75 when I got on the highway. Soon a STATE POLICEMAN just blows past me (without their lights on), I soon realized that the collective speed limit was 97
Don't forget that unless you pay for the super duper insurance package (for me it was 3x the normal one) your insurance doesn't help _you_ at all. It only benefits other drivers for you to have insurance. So if you get into an accident with someone, and they don't have insurance, you're the one who has to pay for your car out of pocket.