Ok, I think it's time we had a little poll here and
the topic will be:
ARE YOU IN FAVOR OF GOVENRMENT RUN VEHICLE INSURANCE OR NOT.
But NATURALLY I will express my opinion. In my life, being
both a vehicle owner and the owner of Body Shops, I have been
required to have many dealings with Insurance. I have dealt
with private Insurance in Canada as well as in the United States
and I have dealt with Government Insurance programs in British
Columbia. I have also had limited dealings with Government insurance
in Saskatchewan. Based on the dealings I have had, I am in favor
of Government Insurance by far.
Although anytime a person is required to deal with any Insurance
company, be it Government or not, that person is in a NO WIN
situation. You will ALWAYS lose but it's the amount you will
lose that makes the big difference. The second big difference
is in COST to the vehicle owner. And here I want to set the
record straight from FIRST HAND EXPERIENCE. GOVERNMENT INSURANCE
IS CHEAPER THAN PRIVATE AND THE COVERAGES ARE BETTER. And don't
let any of the BS from private Insurance Companies try to tell
you any different. After a required move from British Columbia
to Alberta, I had to go to private insurance and even after
months of searching for different policies, I HAD to drop some
of our Insurance coverage. We have two Classic vehicles that
we only drive in the summer and a 4 X 4 and Chrysler that only
gets driven in the winter. Up until the move to Alberta, we
ALWAYS had two other vehicles and our motorhome covered year
round. My crewcab/racecar hauler and my Wife's Caddy were always
covered year round. What we used to do was keep the two Insured
year round and then switch the Classic's to the winter cars
and back every six months. Two would be covered for use and
two would have storage coverage on them. However if we were
to continue the SAME coverage's in Alberta it would end up costing
us just about double what we paid in BC. (And we both have excellent
driving records.) It would seem that private Insurance companies
think that you are going to be able to drive all of your vehicles
at the same time, so they HAVE to be insured ALL OF THE TIME.
If you own four vehicles, you MUST fully insure them or not
insure them at all. Plus the real kicker in Alberta is that
Insurance Companies DON'T WANT YOU DRIVING A SAFE VEHICLE.
Although it is common knowledge that cracked and damaged windshields
are UNSAFE, Insurance companies in Alberta discourage the replacement
of windshields. Just awhile ago, they even raised the deductible
on glass coverage because they were paying too many glass claims.
I guess they think accident claims are easier to weasel out
of than something as straight forward as a badly damaged windshield.
I will continue this next week but go to the forum site here
to log you vote and comment if you wish. I have enter two headings,
one for being in favor of Government insurance and one for being
against it Log your vote and I will see you next week.