another speeding ticket help

Crabman

IvanOpinion wrote:

MMD, I am not understanding why you think there should be a reward for sensible driving .. we are all meant to drive sensibly all the time, sensible driving should not rewarded but wreckless driving should be punished.

Your insurance probably costs about 30-50% more to cover people who do not have insurance or make false claims. There are many ways to scam insurance companies and they are getting much more prevalent and the only person suffering is the innocent careful driver. Why should somebody who has no insurance be allowed to claim off somebody elses ... yes they go to court get a slap on the wrist for having no insurance and then make thousands on false whiplash claims .. jeez some cars even inherit several passengers between the time of the accident and the time of the whiplash claims. Although one of the growing scams now is someone deliberately disabling the brake lights and jamming the brakes on in front of another car causing an 'accident' ... of course it is ALWAYS the car behinds fault.

The concept of self insurance means you can insure yourself for as much or as little as you like or nothing. It puts the onus and responsibility back onto each individual driver to provide cover that suits their purpose and lifestyle and stops many of the false claims that add so much to our premiums.

Ivan

Not that I'm contradicting the point you make there Ivan, but do you really think that if everyone who drives, bought insurance, that the insurance premiums would come rocketing down? No, they would stay constant/increase and the companies would take increased profits :rolleyes:

Poppycat

Yes I think they have been used for some time as I think the program is a year or so old, as they often state at end what happened to who etc.

There was a news article though recently on BBC news where some cameras can now detect who the user is, and if they are using a mobile phone, or eating.

wobbley wrote:

I think you'll find the fixed ANPR number plate recognition cameras have been in use some time. They are linked to the National Insurance Database and also check if the vehicle has a current vehicle excise licence with the DVLA and/or if the vehicle is stolen and in the PNC. No doubt the information these cameras provide is used by other "authorities". But they aren't speed cameras and from a road safety aspect the only villains they target are those with no insurance or road tax.

I remember someone once saying to me "It's a limit - not a target"

---lee---

Poppycat wrote:

...some cameras can now detect who the user is, and if they are using a mobile phone, or eating.

Oh no, fixed penalty fines for being overweight now :eek: A point per pound?

Poppycat

LOL They may get me then ---lee---

wobbley

Poppycat wrote:

There was a news article though recently on BBC news where some cameras can now detect who the user is, and if they are using a mobile phone, or eating.

That'll be the next one

Chewing gum while driving = 3 points & £60 for Gordon

IvanOpinion

The cameras are only short term anyway. I think it is 2012 when they expect all cars to be fitted with an updated version of satnav that allows road usage to be monitored, calculated and billed .. plus of course they will be able to send the speeding fines in the post even before your reach yur destination. I have actually seen a demo of this and it is quite scarey.

Ivan

wobbley

IvanOpinion wrote:

.. plus of course they will be able to send the speeding fines in the post even before your reach yur destination. Ivan

You're joking aren't you? By 2012 they have the money out of your Paypal account before you've even put your foot on the brake !

MarkyMarkD

Crabman wrote:

Not that I'm contradicting the point you make there Ivan, but do you really think that if everyone who drives, bought insurance, that the insurance premiums would come rocketing down? No, they would stay constant/increase and the companies would take increased profits :rolleyes:

Crab

Your comment shows a limited understanding of how competitive markets work.

Car insurance is VERY competitive and most companies involved in it make very small profits indeed. If there was a reduction in uninsured customers, the insurance industry's sales would indeed increase but because their claims costs would not increase proportionately, they would compete more on price until eventually most of the benefit would be passed back to consumers, not to shareholders via profits.

Crabman

MarkyMarkD wrote:

Crab

Your comment shows a limited understanding of how competitive markets work.

Car insurance is VERY competitive and most companies involved in it make very small profits indeed. If there was a reduction in uninsured customers, the insurance industry's sales would indeed increase but because their claims costs would not increase proportionately, they would compete more on price until eventually most of the benefit would be passed back to consumers, not to shareholders via profits.

you my friend are living in a world of economic theories. wake up remember when texting between mobiles was 5p ish, then the companies all sat down together and fixed the price to 12p ish - is that being competitive or what? :rolleyes:

IvanOpinion

Crabman wrote:

Not that I'm contradicting the point you make there Ivan, but do you really think that if everyone who drives, bought insurance, that the insurance premiums would come rocketing down? No, they would stay constant/increase and the companies would take increased profits :rolleyes:

I would agree to a certain extent (the one thing we can guarantee is that big financial intstitutions will not lose money). However there should be significantly less bogus claims (which, depending on the latest figure accounts for about 33% of your premium). If they are paying out less in fraudulent claims then some of those savings should come down to the consumer.

I have also wondered why it is that people without insurance seem to get a fine of a couple of hundred quid and then go on to claim several thousand ... that should not be allowed. Why can a racing driver hit a wall at 180mph and have no permanent injuries but Joe Average manages to have whiplash if someone coughs beside their car. Why did BIL have to pay out a total of 8 whiplash claims after a very small prang where both cars contained only a driver. By insuring yourself nothing else changes except that you are not responsible for paying out extortionate claims ... you can still have no claims bonuses, no claims protection etc.

Ivan