Inmate Central

The insurance companies are actually to blame.

100.6.143.244

ghost of olddude55

A

In Reply to: RE: When your auto insurer raises rates, blame GM. posted by peppy m. on January 17, 2025 at 06:01:06

The IIHS pushed for built in safety systems like lane alert and emergency braking, pushed the Federal government into mandatory traction and stability control.
Result 1 is that the cost of repair in a minor accident has skyrocketed.
Result 2 is that more people are driving without insurance.
BTW, GM isn't the only company that sells data to insurance companies.

The blissful counterstroke-a considerable new message.

Edits: 01/17/25

Follow Ups:

Labour is low margin whereas parts are high margin.... - JDK 15:01:12 01/17/25 (0)
Therefore, use as little labour as possible.
And replace as many over priced high margin parts as possible.
This is modern panel shop work.
Work is charged at insurance company agreed standardised hourly rates - pretty tight hours for big jobs - Insurance companies say that that is a win for consumers.
But the parts prices are batshit crazy insane. And you can't argue when the shop says "But that's the price for genuine OEM parts!"
Parts interpreting and painting are the only skills in modern smash repair work.

Trying to hide from entropy
John K

Edits: 01/17/25 01/17/25 01/17/25
RE: The insurance companies are actually to blame. - beach cruiser 10:37:32 01/17/25 (1)
As an owner of an aging GM product, I became familiar withe company culture and this doesn't[t surprise me at all.

Also no surprise that other companies do it, and that people sign up to get dongles that report to the insurance company in the vain hope for lower rates. I'm sure the self reporting gets a doggie treat reward in the beginning, but insurance companies are in it for the long game, statistically speaking.
- Those dongles... - ghost of olddude55 11:16:18 01/17/25 (0)
  ...try to ditch them, and they raise your rates.
  If you don't drive the car enough, they threaten to raise your rates also.
  
  The blissful counterstroke-a considerable new message.
Everyone is to blame... - peppy m. 07:40:58 01/17/25 (1)
The drivers, the manufacturers, the insurers. It's a rat's nest of sneaky operators.
- We're too litigious as a society, too. - ghost of olddude55 09:00:19 01/17/25 (0)
  Probably because our cultural modus operandi is the quick score.
  
  The blissful counterstroke-a considerable new message.

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