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View Full Version : Serani's rant of the day...


Serani
11th July 2002, 12:48 AM
Okay, not of the day. I'm not going to turn into Jerelakoth or anything.

However.

I found myself actually shocked today. Now it takes a lot to outright shock me. I'm rarely even surprised, at least by human stupidity. Today was something completely different.

It was another hot day today in Portland. Somewhere around 93 in the shade which, while isn't bad compared to, say, Texas, is boiling around here. And I'm long since not used to the heat of the south. So we decided to go out for a fan.

On the way back, we're going down the highway at a respectable 70 miles per hour (hey! That's only 15 over the speed limit!) and we passed a little black pick up truck.

With a driver who was putting eye drops in his eyes. Yes, while he was driving.

Now, I, myself, am guilty of doing things while I drive. I'm rarely without a drink of some kind, I often eat (though only finger-type foods), and I'm known on MORE than one occasion to mess with the radio. And yes, I will even talk on the phone, but I'm loathe to do it while driving and most often it's with my hands-free set.

Today's rant is about people who feel the need to do things while they drive. Women who have to put on three full layers of make-up, of course using their rear-view mirrors for it. The typical cell phone users who are paying NO attention to their surroundings, much less how they're driving. You know them. They'll move over into the left lane when your front fender is even with their back left passenger seat. Or they slow down to 20 mph because they're so engrossed in their conversation that they don't realize they're doing 20 on the highway. Or worse still is when they've hit 85 because yet again, they're not paying enough attention to their driving.

Then there's the guy who was reading his newspaper on the way to work. While doing 55 down Interstate 5. Covering somewhere around 75% of his field of view with his paper.

I've often wondered if people were directly financially responsible for accidents they cause (not having insurance, having to pay for it - out of pocket), would they be more careful. We pay for car insurance. Anywhere from $50 a month to upwards of $200 a month. To cover ourselves and other people if we get into an accident. And that alone should be enough to make you more careful. Because the more accidents you cause, the more your insurance goes up, right? But somehow it doesn't seem to work.

I think it gives a false sense of security maybe. "Oh, well, I've got insurance so it doesn't matter." But what if you suddenly became responsible for a $16,000 vehicle that's been totaled because you weren't paying attention. I mean directly responsible. As in, "this is going to court and I'm going to have to pay this person $16,000 to get a new car" responsible.

Would it make us any more aware? Would we, as a rule, be more careful?

There will always be those that drive aggressively, no matter who's responsible for the costs. There will always be those that are just plain stupid when it comes to driving.

But what about the average Joe? (No pun intended for those who know Rubi's real name)

Draknor
11th July 2002, 08:31 AM
I couldn't agree with you more. As an ex-insurance adjuster, I've seen just about everything when it comes to car accidents. Most of it ugly.

Just yesterday in Minnesota (in fact on the freeway less than a couple of miles from my home) we had an apparent "road rage" collision. Wasn't that bad, really. The truck ran off the road, and while the car overturned, nobody was really injured. Until someone stopped to help out as the passengers crawled from the vehicle. At this point, they were hit by two other cars who couldn't see them because it was dark. One killed, two in serious condition.

As far as making us personally accountable...I don't see it happening. Our society teaches people to blame others for their misfortunes. People need to change their attitudes about driving and insurance. It's not a licence to do whatever you want "because I have insurance". Most people carry minimum liability anyway, which in most states won't cover the cost of an average mid sized car anymore, let alone medical bills. Heck, I carry limits of $100,000/$300,000/$100,000 myself, and even then, if I cause an accident with one other car and say, a semi, and people are also injured, it probably won't be enough.

I'm guilty of fiddling with the radio and singing (badly) while I drive, too. I don't own a cell phone, but I'm probably getting to that point.

Anyway, the only thing we can do is to be careful. We can't control other people's actions, we can only try to be aware of what others are doing, and hope for the best.

GravenStone
11th July 2002, 10:01 AM
I don't think it's even a conscious decision on the parts of the individuals that they have insurance and therefore have no potential culpability. I think it's plain, self centered idiocy.... these are people who would place themselves and their wants and "needs" ahead of anyone else, regardless of where they happen to be. Unfortunately, in the cases discussed here, they happen to be in a ton or so of metal moving at high rates of speed. Simple physics tells you this is not a desireable situation in any way shape or form.

I realistically don't know of a means of deterring this sort of idiocy, short of culling the gene pool of obvious defectives.... hrm, I'm starting to sound like Mantispid... this frightens me. :shock:

Aananla
11th July 2002, 10:48 AM
Ok, you got me started...

I was on my way home from work the other day, cruising along in the right lane of the freeway. As I approach an on ramp I slow a bit to allow a couple cars to merge in front of me when this big ass truck (Ford F250 4 door 4X4) tried to merge into me.

I brake to avoid getting creamed and I give him the obligatory bird to show my displeasure with his driving skills which was returned in kind.

He then cut off another car to merge into the center lane. He slows down and get next to me and attempts to force me off the road.

I swerve and scoot ahead, cause I was on the shoulder now, in front of him and again display the bird for his inept driving skills. (I know I shouldn't have gotten in front of him, but it was fun. :) )

He tried to get side by side with me to force me off the road, again, at which point I decided this guy would probably kill me if I pissed him off further so I took the next off ramp to let him cool down a bit and get a coke. :wink:

People in monster trucks seriously need to have a psych exam before getting their license.

Raveneye
11th July 2002, 11:19 AM
It's not just one person's insurance that goes up for an accident, it's everyone's. Insurance companies make money gambling that people WON'T get into accidents. When enough people get into accidents that the company's bottom line becomes effected, rates go up, across the board. With the advent of cell phones and other in-car distractions becoming commonplace, these rate increases will become larger and more common. Everyone will pay for the actions of idiots.

So what can you do about it? Not much other than not be an idiot yourself. Many people say we should have to retake driver's tests every few years to cut down on bad drivers, but what they don't realize is that nobody's going to be putting on makeup, talking on the cell phone or dancing to the radio while taking a test. Noone is going to show up for the test intoxicated, and noone is going to bring their three screaming children along either.

The only fix is for people to take driving more seriously. If they understood what can and will happen in an accident, they would be more careful. Unfortunately Hollywood and TV glorifies driving fast and reckless, and people chatting on phones or putting on makeup while driving is more of a joke than a threat to most Americans. It's the American mentality, we're invunerable so why should we be careful? Then something comes along and proves otherwise, and we act like it's some horrific tragedy that noone could have forseen.......

Asharad
11th July 2002, 11:50 AM
I have often thought it would be fun to buy a old, 70's style boat of a car for a couple of hundred bucks, put on a football helmet, and then just drive normally.

Drive perfectly, obey all traffic laws and everything...just not go out of my way to avoid the fricking morons.

You want to merge into me? That's cool, come ahead. You want to tailgate me? Doesn't bother me in the slightest if you crash your new car into my old one.

Bring it, you ****ing waterheads, I am ready for you. :twisted:

Raveneye
11th July 2002, 12:57 PM
I have often thought it would be fun to buy a old, 70's style boat of a car for a couple of hundred bucks, put on a football helmet, and then just drive normally.

So that was you I saw last time I was in Louisville?! You were driving that 1977 Olds Delta 88 with the tailpipe hanging half off and bumper stickers that said "WWJD" and "You can't hug your child with nuclear arms." It was on the way to the Ceasar's Casino just outside town, and you were sporting that Michigan Wolverines helmet! I even remember saying to my wife, "Hey, look at that guy with the shiny blue helmet, he reminds me of Ash!".
:P

Biaxin
11th July 2002, 12:58 PM
Hey,

Oh my... that is appealing.

Draknor
11th July 2002, 03:37 PM
Insurance companies make money gambling that people WON'T get into accidents.

Sorry about this, but I have to correct you on that. Insurance companies do not gamble in the way you think. They collect premium from their policyholders EXPECTING to pay out a certain number of losses. It's the idea that relatively few people will have accidents compared to the total number of people that pay premium.

Most property and casualty (this includes auto liability & collision) insurance companies LOSE money. That's right. They pay out more in losses than the premiums they collect. The only way they stay afloat is to invest the premium money to collect interest before it needs to be paid out in losses. On a lucky year an insurance company might make a few percent profit, paying out less in losses than collected premium, but it's pretty rare.

Add to this that the state closely regulates and caps what rates an insurance company can charge you, so they operate on a pretty tight margin.

Most life and health insurers actually do make a profit before investment income, but they're a completely different animal.

But, you are correct in stating that as the number of accidents and their cost rises, so do insurance rates.