"450X_FTW" (mistermic)
04/25/2016 at 12:50 • Filed to: None
0
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"450X_FTW" (mistermic)
04/25/2016 at 12:50 • Filed to: None | 0
| 34 |
It’s not the rates, if you have zero points on your license and are above 25 years old the rates are not bad at all. It’s the MCCA fee
This is the coverage for my 2 motorcycles. 2012 Honda 450 dirt bike and a 1977 Honda CB750 (both of them plated for the street). Only $114 for both for the year, awesome! Except not, because that is before the $186 per plated vehicle surcharge fee the state adds. I also have to pay this for my truck and my wife’s car as well, so a total of $744 for the year, when there’s only 2 drivers in our house, only 1 of which, me, that can even ride the motorcycles.
What is the MCCA Fee? Basically a big cost savings for the insurance companies.
In the state of Michigan your medical benefits are unlimited if you’re injured in an auto accident and the MCCA makes sure that insurance companies don’t have to pay more than $545,000 of the damages. The MCCA fee is the portion that you pay per vehicle to keep this association going.
https://brouwersagency.com/mcca-fee-michi…
For Sweden
> 450X_FTW
04/25/2016 at 12:53 |
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What are you, some kind of capitalist?
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450X_FTW
> For Sweden
04/25/2016 at 12:54 |
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I hear that in Finland and Norway my rates would be cheaper. Sweden, not so much.....
vondon302
> 450X_FTW
04/25/2016 at 13:00 |
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Michigan! driving away it’s residents for over 50 years .
-this space for rent-
> 450X_FTW
04/25/2016 at 13:17 |
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And you (on a motorcycle) only get coverage if you hit (or are hit by) a car.
Crony capitalism at it’s finest.
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450X_FTW
> -this space for rent-
04/25/2016 at 13:37 |
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Well that’s if I can prove I was not at fault, because if you’re on a bike, you’re just accepted to be at fault because you’re a speed punk. Which is why I always have my GoPro on when I ride, just in case I get into an accident I have video of what happened.
StndIbnz, Drives a MSRT8
> 450X_FTW
04/25/2016 at 13:53 |
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I’ve never noticed this........interesting. Don’t see it on my app view, would have to remember my password to check online.
SteveLehto
> 450X_FTW
04/25/2016 at 13:57 |
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There are pros and cons here, of course. If MICH did not have this fee, those with the catastrophic lifetime injuries would end up on some sort of gov’t assistance after the system had bankrupted them and then who’d pay? Oh, us again
The real thing that distorts this fee is that it is only paid by those who have insurance. We have a huge number of uninsured - so those who buy insurance must pay for those who don’t. And that becomes a vicious cycle - as the costs go up, fewer people get insurance and so on.
We need to authorize the police to sieze uninsured vehicles on the spot and send them to the crusher. The scrap value would go to the state and into this fund. Everyone would win!
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450X_FTW
> StndIbnz, Drives a MSRT8
04/25/2016 at 13:59 |
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Their website actually says $150 per vehicle, not $186 as I’m being charged. Gotta call Progressive on this now
http://www.michigancatastrophic.com/
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450X_FTW
> SteveLehto
04/25/2016 at 14:05 |
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We need to authorize the police to sieze uninsured vehicles on the spot and send them to the crusher. The scrap value would go to the state and into this fund. Everyone would win!
Steve Lehto for President!!
Honestly, I’d be fine if it was pay per insured driver, but paying per vehicle is what grinds my gears since only 2 of the 4 vehicles we own can be driven at a given time.
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StndIbnz, Drives a MSRT8
> 450X_FTW
04/25/2016 at 14:05 |
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I don’t see that charge anywhere on my State Farm statements. And I have 3 vehicles myself and my wifes on them.
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SteveLehto
> 450X_FTW
04/25/2016 at 14:15 |
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That’s the wierd part which I never understood. Unless they think you are letting other people drive your vehicles, they ought to be able to lower your rates when you have more cars/bikes than people. How much damage can a parked vehicle cause?
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450X_FTW
> StndIbnz, Drives a MSRT8
04/25/2016 at 14:16 |
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Hmm weird. See Steve Lehto’s response to it
http://oppositelock.kinja.com/there-are-pros…
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StndIbnz, Drives a MSRT8
> 450X_FTW
04/25/2016 at 14:21 |
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Yea, I get it. Just odd that I don’t see it on mine but you have it. I’ve also heard that Geico and Progressive were looking to pull out more and more from Michigan because of that right there. Maybe State Farm pays it instead of me paying it? And Progressive passes it onto the customers to save money? Just thoughts.
Johnnyazz
> SteveLehto
04/25/2016 at 14:24 |
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yeah its definitely a great idea to crush the only transportation that people, who can’t even afford to pay for insurance, have. should do wonders for the Michigan economy.
Michigan’s government has and continues to be run by people who are absolutely ass backwards.
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450X_FTW
> StndIbnz, Drives a MSRT8
04/25/2016 at 14:24 |
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No idea, maybe they just hide it your fees too so you never see it.
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Johnnyazz
> vondon302
04/25/2016 at 14:25 |
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So glad I left, Could only stand 2 years there.
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450X_FTW
> SteveLehto
04/25/2016 at 14:25 |
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One thing that is weird to me is their website actually says $150 per vehicle, not $186 as I’m being charged per Progressives coverage. Gotta call Progressive on this now
http://www.michigancatastrophic.com/
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SteveLehto
> Johnnyazz
04/25/2016 at 14:36 |
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Um, if you can’t afford insurance, you can’t afford to drive.
Or can you steal gas if you can’t afford that either?
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SteveLehto
> 450X_FTW
04/25/2016 at 14:37 |
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Probably a double secret surcharge paperwork doc fee.
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StndIbnz, Drives a MSRT8
> 450X_FTW
04/25/2016 at 14:41 |
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Could be.
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Johnnyazz
> SteveLehto
04/25/2016 at 14:55 |
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Well its not like Michigan is bursting the seams with public transportation. but it does have a lot of impoverished people who rely on their cars. The state makes it difficult to own a car. so imagine now those people without a car, unable to go to work. Companies loose labor, and people loose income. great economic planning.
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SteveLehto
> Johnnyazz
04/25/2016 at 14:58 |
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Well, the law does say you can go to jail for ONE YEAR and pay a $500 fine for driving without insurance. So I guess I’m cool with that - you can keep your uninsured car and drive it when you get out a year from now.
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450X_FTW
> Johnnyazz
04/25/2016 at 15:50 |
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If you use something illegally, it’s perfectly acceptable to have it taken away. This is why drunk drivers are put on tethers and they can’t drink, this is why people who use their guns for harm have their guns taken away. Ride a dirt bike down the sidewalk and your dirt bike will be taken away.
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Johnnyazz
> SteveLehto
04/25/2016 at 16:15 |
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So you’re cool with paying taxes to support that person in jail? You’re missing my point on the macro economic effects of all of this. Im arguing for affordable insurance, because of its positive economic impact, and making the point that Michigan has been historically shortsighted on its impact.
im not advocating driving without insurance
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Johnnyazz
> 450X_FTW
04/25/2016 at 16:19 |
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Thats missing the point of my argument. one: why is driving without insurance comparable to driving irresponsibly. it doesn’t put people in danger, as your other examples do. two: I’m not arguing for driving without insurance, its a fact that many people have to because of legislature in Michigan, coupled with high crime rates in poor neighborhoods that makes Insurance unafforable. remember these people couldn’t afford to pay their water bills. it was not because they were lazy.
My $15,000 car was over $2K a year to insure in Michigan, Its half that back in New Jersey.
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SteveLehto
> Johnnyazz
04/25/2016 at 16:19 |
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And if everyone paid for the insurance they were required to carry, then premiums would drop. Econ 101.
Meanwhile, Mich requires insurance and a registration. Other states require insurance and a registration. Yeah, they’re doing it better than “shortsighted” Michigan.
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SteveLehto
> Johnnyazz
04/25/2016 at 16:28 |
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Wow. What an idiotic argument. Yes, you driving without insurance hurts people. When you get in an accident and cause more damage than you can afford to pay out of your own pocket?
Happens every day. The victim of your accident will sue you into bankruptcy and then run themselves into bankruptcy if they didn’t have uninsured motorist coverage.
Funny sidenote? When you have no insurance in MICH, you cannot sue someone who hits you, even if they were grossly negligent. Sitting at a light in your uninsured car and get hit by a drunk driver who crossed the center line and careened out of control? You get nothing. That is one fact that too many people don’t know about.
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450X_FTW
> Johnnyazz
04/25/2016 at 16:33 |
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Like Steve says, if the people without insurance paid their insurance, then all of our rates would go down. But because we have to pay for those that don’t, ours are only going to go up.
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Johnnyazz
> SteveLehto
04/25/2016 at 17:21 |
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Not when legislature forces insurance to charge more!! I understand that was your original point, but doesn’t change the fact that the legislature increases the cost for EVERYONE. futher straining an unhealthy economic ecosystem.
speaking of idiotic arguments. Michigan is less shortsighted than other states, so Michigan is good.
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Johnnyazz
> 450X_FTW
04/25/2016 at 17:22 |
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Thats like saying if everyone paid their taxes, our taxes would go down....
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SteveLehto
> Johnnyazz
04/25/2016 at 17:40 |
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Insurance RATES are set by the marketplace. Prices are not set by the legislature. It is painfully obvious you have no idea how any of this works. I’m done. You’re obviously a troll.
DynamicWeight
> 450X_FTW
04/25/2016 at 18:37 |
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I’d be surprised if any state ISN’T like this. California sure is. As a person with multiple motorcycles and multiple cars, I hate that pretty much every car seems to be treated as my sole transportation. I tell them that they are for funsies on the weekends and don’t see that many miles per year but it doesn’t seem to change the rates.
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450X_FTW
> Johnnyazz
04/25/2016 at 22:30 |
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They would, because you wouldn’t have tax dodgers keeping billions in tax haven countries, forcing you and me to make up the difference.
KeetB
> Johnnyazz
04/26/2016 at 11:46 |
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Yeah, the same people that can pay for the latest smart phones and premium cable... but can’t pay insurance...