As I already replied to Fred W, this is Europe - a taxi is always nearby.
You'd struggle to find a place where a taxi is more than 15 minutes away.
So it's faster to call the taxi, not to mention cheaper. Time is money, the
taxi is free.
Well I live in Europe and can think of plenty of places where a taxi is
more than 15 minutes away. ;-)
But the insurance you pay for such a scheme costly? Personally I don't
bother with even breakdown/recovery. And on the whole have saved money
during the course of BMW ownership. Although my recent suspension collapse
involved both changing a wheel and then calling out a breakdown when I saw
what the problem was - and getting a taxi. ;-)
*Organized Crime Is Alive And Well; It's Called Auto Insurance. *
Dave Plowman firstname.lastname@example.org London SW
The insurance is indeed very costly (at 8 years, I will have paid the car
twice), but that doesn't matter.
I won't go into details, but it all boils down to this: even if I destroy
my car myself, I get a new one. Instantly.
Which is nice to know ;)
<thread hijack in progress>
Which requires one to ask, how many times have you totaled one of your cars?
OK, maybe you don't have many cars, or haven't been a car owner all that
long. So lets extend that question to: How many members of you family
have totaled their cars.
And how many years have you been paying those exhorbitant insurance
rates that will reimburse you for your totaled car (minus the deductible
Auto Insurance is one of the biggest scams perpetrated on the general
public of all times. And the kicker is, if you have a lien of any kind
on the car your are *forced* to carry coverage by the lienholder.
This is one big reason that I never buy my cars on time (I pay cash
only) and generally don't buy new ones.
I'm almost 30, have never totaled a car, and I have never caused an
accident. Perfect driving record.
This car has had one scratch so far, and three minor dings because some
(insert swear word) banged it on the parking lot.
I've been a car owner for about 8 years, this car I've had for 4 years.
One car only, by the way.
My parents have never had an accident. I don't have any brothers, nor
Before I was 25, I payed double that. Since 25, this amount.
Please note that my car insurance does NOT have a deductible - hence the
high amount. In the contract, there is an extra clausule which ensures me
that the car will be replaced without cost. That means that I get the
exact amount I paid for the car, including the registration fee.
Which unfortunately means that I'm a bit screwed since the E92 came out,
since it's a bit more expensive :)
Auto insurance is required by law here - so I figured I'd just get the
highest coverage available. This includes a full omnium, no deductible,
and (don't know how to say it in english) full court expenses.
The reason I'm a big fan of that latter part, is that you can't loose
your license, whatever prank you pull on the road. Get cought? Send in
your team of lawyers (all expenses paid), and get off with a fine.
I'm not a native english speaker, I'm afraid I don't understand what you
mean by that last sentence.
I'm a bit different: all cars I've bought were paid cash as well (I never
loan money, except for houses), and I always buy new cars.
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