Car through the ice - does insurance cover that?

[nofishfisherman]

I can honestly say I have been pulled over 1 time in the last 12 years. I was going 5 mph over the limit (no ticket).

I make a very strong effort to maintain the speed limit. Am I perfect, of course not but I do try very hard.

I read your post word for word, I understand you said, "I don't recommend this to anyone, but..." If you realize its not a good idea to drive without their seatbelt to avoid a ticket then why do you even bring it up?

I guess I just don't understand your logic. If you have a commerical license and are so concerned about a perfect driving record that you are willing to go to the length of driving without a seat belt in hopes of encouraging the officer to ticket you for that offense instead of your moving violation then I don't understand why you don't just make more of an effort to stay at the speed limit to start with.

Go with whatever works for you I guess.

[Jameson]

...95% of the 5 million people in the state drive over the speed limit...

I had to LOL as this quote brought back memories. While a minor I was a terror on the roads. Multiple moving violations before I was 18. I remember a local officer telling me that if I would slow down I would see that I was just about the only one speeding. Now years later, I drive the speed limit, with my seatbelt on. LOL at the liiiiiiiinnnnnneeeeeeee of cars that sometimes forms behind me.

[fishersofmen]

I never drive without my seatbelt on and no one should. But if I happen to get pulled over for going a little fast again, it will come off before the officer walks up to my car, just like the last three times. Lol. Drive safe out there everyone....

[nofishfisherman]

Glad you are being safe.

I always thought you were supposed to hit on the officer to get out of the ticket. Maybe blow them a kiss or wear a low cut shirt. It probably works better if you are a woman but it couldn't hurt to try.

[bturck]

As a former cop I'm staying out of this portion of the debate LOL. I worked radar for 5 years and I could tell you some interesting stories regarding traffic stops..........

[nofishfisherman]

Oh come on, atleast tell us how many times you got hit on by a guy trying to get out of a ticket.

[bturck]

[fishersofmen]

Nofish is this your way of telling us how you got out of your speeding ticket many years ago?? You never did give an explanation. And you gave me a hard time about my seat belt trick...Lol. I will let you go easy this time!!

On a more serious note does anyone know if my insurance rate would go up if I used my glass coverage too many times?? Without giving too many details I mistakenly shut the garage door on the back of my wifes van this morning and messed up the back window. I just had two windshields replaced 3 months ago and don't want it to effect my rate though. I have full glass coverage.

[bturck]

Do you have full glass coverage or does a deducitble apply? frequency is always something that is looked at, however glass claims are probably one of the most frequent claims filed. Remember we live in the State of two seasons, winter and construction. You should be ok, but you might want to give your agent a call. I've done it for clients and if there was a question I called our claims office and posed the question directly.

[fishersofmen]

Yep its full glass with no deductable. I will have to check it out, if I have to wait a while thats fine too. I don't think its cracked but its a long deep scratch that doesn't look too good because of the almost black tint. I just moved in the house not long ago and never thought about checking the sensitivity of the garage door sensor. At least it was the van and not one of my kids. Completely destroyed the garage door.

[nofishfisherman]

Nofish is this your way of telling us how you got out of your speeding ticket many years ago?? You never did give an explanation. And you gave me a hard time about my seat belt trick...Lol. I will let you go easy this time!!

I didn't have to flirt on that one.

I was pulled over for going at most 5 over the limit. It was near bar close and I was in my early 20's. As soon as the cop walked up to my door he said right away I wasn't getting a ticket and that he just wanted to make sure I hadn't been drinking. I hadn't had anything to drink so we just chatted for a minute and both went on our way.

Its a pretty common practice in St. Paul to get pulled over for minor things like that on Friday or Saturday nights. I've been with friends when they got pulled over for minor infractions like going through a yellow light. So far all the cops have been very friendly and very upfront with why they stopped us.

I'll save the flirting for when its really needed.

[Mainehazmt]

Gee Im glad I live in Northern Maine 1 fully covered 2004 honda ,1 fully covered 2005 gmc envoy 1 liability 99 gmc 4x4 PU and house covered for way less than 1500 a year and I have the 500000$ package ie not the minimum! area def make the difference

[bturck]

As mentioned in one of my prior posts each State governs the insurance companies within that State. Therefore each State will vary in price and mandated coverages. Thats one reason we had all better hope the Federal Govt does not take over regulation of the auto and home insurance companies. Can you imagine what your rates would potentially go to if that happens They'll use those premiums to help pay off the bail out debt as well. There is definitely talk regarding that subject. Have a good day in Maine