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Re: [Spridgets] OT: Collision Insurance??

To: <cciaffone@verizon.net>, "spridget list" <spridgets@autox.team.net>
Subject: Re: [Spridgets] OT: Collision Insurance??
From: "Bud Osbourne" <abcoz@hky.com>
Date: Wed, 7 Jan 2009 15:17:38 -0500
Figure that virtually any significant collision would cause sufficient 
damage to total any '97 Honda.  With that in mind, why spend the money for 
any collision coverage?  Just go with liability & comprehensive coverage and 
you'll save plenty.  If you are worried about not being covered for 
collision, in an "at fault" accident; just put the money saved from 
collision premiums into a savings account.  You'll be much better off in the 
long run.
Personally, I've never carried collision coverage on anything (including my 
MGs and my Porsche 356) but my wife's Passat, and my BMW 2002Tii ("back in 
the day").  I figure that, in the event of an at fault collision, I'm going 
to fix the damn thing myself, anyway, and if I'm stupid enough to bend it I 
deserve the financial pain that goes with it.  So far, in 46 or 47 years of 
driving, the only cars that we've had at fault claims with were the ones 
we've had collision coverage on.
Maybe a lesson to be learned, here ;)
Bud Osbourne
----- Original Message ----- 
From: "chuck" <cciaffone@verizon.net>
To: "spridget list" <spridgets@autox.team.net>
Sent: Wednesday, January 07, 2009 2:55 PM
Subject: [Spridgets] OT: Collision Insurance??

> Hey Youse Guyz!  It's that time again, insurance renewal.
> Aside from the Midget, we have two 1997 Honda sedans
> used for rainy/snowy conditions. Both still carry 250-deductible
> collision for no known reason. Given the age of these cars, does
> this make any sense??  What about the 100-deductible
> Comprehensive??
> These ain't expensive, but if I cancel them do I hurt myself??
> thanks 'n all
> chuck
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