I don't know about NJ but here in Toronto insurance rates are extremely high. In
my case, I've owned my 1998 Civic since new (for 6 years), no accidents, two
minor speeding tickets, I've been driving since 1986 and have been insured for
more then 6 years continuously. Even with my great track record, I'm still
getting charged $2600/year to insure my car. Consider that the car is 6 years
old, never been in to an accident, and is only worth about $6000 dollars, I
think my insurance rate is high!!! The funny thing is, compared to everyone
else I know, I'm actually getting a fair shake with my insurance payment. If I
had actually made a claim that was my fault, I'm sure my premium would double.

In NJ, claiming for a minor accident might be a good thing, but here in Toronto,
making a claim is a bad idea... I wish all the insurance company would go to
hell. As is, if any politician dared to side with the insurance company (in
Toronto), their political career would be short lived. There's a lot of
extremely frustrated people...I'd be amazed if these insurance company will ever
be able to regain people's trust after giving us the shaft. Considering the high
premium, the government probably could do a better job managing Auto Insurance.

Pars


>
>
> Nope. Not the case at all. I was driving on a 3 lane road (1 lane going
> against me, 2 lanes on my way.). I was in the rightmost lane when car number
> 1 turn onto my lane from a 90 degree intersection. Car number 2 followed car
> number 1. Both cars did not come to a full and complete stop even though
> there was a stop sign at that intersection. They both just swung onto the
> road as if it was just a curve. No big deal as I was several car lengths
> (perhaps 10) away. I was doing 35 and the speed limit was 35 (I know because
> I had just passed a cop in hiding and I looked at my speedometer just to
> make sure I wasn't speeding. Cops in NJ can get nitpicking in a construction
> zone.). Anyways, I switched over to the left lane as both cars were slower
> then me. Car number 2 decided to do the same thing in attempting to pass car
> number 1. She accelerated and was about to pass number 1 when he decided
> (for some unknown reason) to switch over to the left lane. He nearly hit car
> number 2. Car number 2 had to brake and came to a stop. Meanwhile, I tried
> to brake and with Honda's brake being what they are (notoriously weak), I
> couldn't stop in time. I tried to swerved into the empty lane but couldn't.
> I hit car number 2 and whacked her rear bumber. No airbags were deployed.
> Just a damage hood, front light (left) and bumber for me - rear bumber for
> her. There was plenty of daylight and roads were dry. Of course, car number
> 1 drove away as if nothing has happenned.
>
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