I always wondered. Not to brag or anything, but my family is so rich that we really don’t need car insurance. If something were to happen we would be able to take care of it. So basically we waste hundreds of dollars each year on car insurance. Is there a way we could have our own insurance card to issue to a police? What makes car insurance companies able to function and not me?
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December 28th, 2009 at 5:03 am
Actually in most states, you can self-insure. This would mean putting aside an amount of money equal to your state’s minimum liability limit requirement and filing a form with the state. This fund is only for use in at-fault accidents, so you can’t set the money aside, become self-insured and then spend the money, it has to sit in the account.
Since most people don’t have tens of thousands of dollars to set aside and not touch, they buy car insurance. If you do, then self-insuring should be an option. Contact the department of insurance in your state.
December 28th, 2009 at 5:03 am
insurance is just another way for people to get robbed by the government.I mean its kinda a good thing but they are snakes and bastards,You have to be able to prove that you have enough money to take car of a major car accident and the funeral or anyone that was killed buy you negligence,and possibly a settlement for the family of those killed.
December 28th, 2009 at 5:03 am
you do not actually have to purchase an insurance policy; verify with the state in which you garage the vehicles how much could be kept in an escrow account to self-insure (it will be the state minimum; anywhere fron $5000 to $1 million)
hey, start your own company! I’ll come work for you! ( :
December 28th, 2009 at 5:03 am
you can self-insure if you want to but why risk so much of your own money when you can pay a company to do it for you
December 28th, 2009 at 5:03 am
You don’t need car insurance….. if: you post a surety bond with your state. They would then use that bond to pay for any claims determined to be your liability
December 28th, 2009 at 5:03 am
For automobile insurance you have to be always comparing prices and features. For me I like a local agent that I can ask a quick question so thats why I recommend to look around locally.