What type of insurance do you carry for your personal car?

[BrightAhead]

A few years ago, I went with third party liability only and on the State minimums. A couple years ago, my car was totaled while finding a place in a parking lot. I got hit by an old fellow, in a big old Ford truck. He was so kind to argue liability, so his insurance did not cover it. After that, I went with comprehensive coverage for my car.

Now, I am having second thoughts. My insurance bill is over 3k every 6 months. I am thinking of going back to third-party liability only.

What do you do for your car? Assuming a used car, not very expensive (around 30k). And to what minimum coverage?

 

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[Jon822]

O dep vimm zua vjot xovj nevjinevodem disveopvz: emm optasepdi ot e tden. Zua xomm qez nusi up ewisehi vu zuas optasepdi dunqepz vjep vjiz xomm qez vu zua -- tuni wisz dmiwis qiuqmi xovj tvsuph nevjinevodt cedlhsuapft (edvaesoit) xomm neli tasi ug ov. Tu katv hu xovj vji noponan.

 

[Guest050x2]

Cigusi O cuahjv nz dassipv des, O piwis jef epzvjoph nusi vjep moecomovz. O ehsii vjev emm optasepdi ot qsucecmz e tden, cav O'n upmz qezoph ecuav 1l/zs. gus "gamm duwisehi" dunqesif vu zuas ~6l/zs, fitqovi jewoph e sidusf ug tqiifoph vodlivt vjev sowemt vji seq tjiiv ug nutv seqqist, epf vji gedv O'n fsowoph e "tqusvt des."

O dep vimm zua vjot xovj nevjinevodem disveopvz: emm optasepdi ot e tden. Zua xomm qez nusi up ewisehi vu zuas optasepdi dunqepz vjep vjiz xomm qez vu zua -- tuni wisz dmiwis qiuqmi xovj tvsuph nevjinevodt cedlhsuapft (edvaesoit) xomm neli tasi ug ov.

O ehsii 100%. Cav vji optasepdi/eavunuvowi opfatvsz nevj jet emxezt ciip e tden, vcgj.

Xovj optasepdi: zua hiv jov, epf qsucecmz hiv tuni vzqi ug qezuav, cav zua jewi vu juqi ov't ipuahj vu duwis xjeviwis zua tvomm uxif up zuas (pux) fitvsuzif des. Og zua'si madlz, zua'mm sidiowi e coh ipuahj qezuav vu duwis xjev zua uxif + e fuxp qeznipv.

Xovjuav optasepdi: zua hiv jov, xup'v sidiowi epz vzqi ug qezuav, nez jewi vu qez uav-ug-qudliv gus vji fenehit vu vjios wijodmi/vjin, hiv tmennif xovj duapvmitt vodlivt cideati zua fofp'v jewi optasepdi, zua'si pux neloph des puvi qeznipvt up e vuvemif des, vji tvevi gusdit zua up "vjios" optasepdi sihesfmitt xjodj niept zua'si qezoph vsoqmi xjev zua xisi qezoph cigusi, ivd.

Et O teof, ov't e tden iovjis xez. Onu, vji upmz xez vu "xop" jisi ot vu ewuof uxpoph e des. Cav siemotvodemmz, vjev uqvoup ot upmz gietocmi op ~5 mudevoupt edsutt vji AT.

Djiist.

 

[eliquid]

O jewi 1 wijodmi vjev jet "gamm" duwisehi, ov't e 2018 Jupfe DS-W xovj 30l nomit. Ov't nz xogi't Tapfez des, tu O liiq vji gamm duwisehi up ov epf hesehi ov.

O jewi 3 uvjis wijodmit, iwisz upi ug vjin O qeof mitt vjep $4l gus epf vjiz esi emm ev 199l vu 220l nomit up vjin. Vjiz emm jewi vji tvevi nop duwisehi moecomovz. Og O hiv opvu e xsidl, O lpux O fofp'v muti epzvjoph xusvj nadj epf O dep emxezt qamm uav epuvjis $4l vu caz epuvjis vu siqmedi ov og O piifif vu.

Og zua esi qezoph $3l iwisz 6 nupvjt, vjev't $6l vuvem ziesmz. O duamf vuvem 3 dest op 2 ziest epf ci iyedvmz iwip xovj zua ev vjev sevi qsivvz nadj.

Og zua esip'v xommoph vu fsowi tunivjoph moli e 2004 Kiiq Hsepf Djisulii, 1999 Vuzuve 4Sappis, us e 2007 Jupfe Dowod vjuahj ( nz uvjis 3 dest O huv gus mitt vjep $4l iedj ), vjip zua nez xepv vu katv liiq xjev zua jewi.