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The Big Three (Insurance, Banking, and Automobile Industries) want to get me out of my old, fuel efficient and space efficient automobile and force me into a NEW, RESOURCE DRAINING SUV. The Automobile Insurance Industry attempts to get me out of my 22 year old car and into a brand new SUV by NOT offering me Collision Insurance for my 22 old car. The Banking, Insurance, and Automobile Industries want to add me to the list of INDEBTED CONSUMERS in this country too busy consuming to see the environmental destruction caused by buying Urban Assault Vehicles commonly known as SUV's. Even though I pay for the maximum liability insurance coverage my insurance company allows me to purchase to protect other drivers on the road should I ever hit their car by accident, I cannot get collision insurance protection for my own older car! I get both ample room to carry my equipment for my business AND I get fuel efficiency, all this from a 22 year old car! My 22 year old car has a COMBINED ...
Update: I reported the business to the Bureau of Automotive Repair. (Best to do this as soon as possible) I went ahead and fixed my car. I am quite happy with the car, but unhappy at the complete lack of responsibility by the smog shop. At this point I am planning to go to small claims court to collect my costs to fix my car.
Update. Aug 08th, 2003 I have filed a small claims court cast against the smog company that crashed my car and would not pay to fix it. I also had a disappointing telephone experience with the California Insurance Commission. I was told that Insurance companies are allowed by law to economically discriminate against any group of car owners (such as owners of older cars)! I was also told that since Collision Insurance is not mandatory, the California Insurance Commission has no control over how inequitable a system is devised by the Car Insurance Industry in it's Collision Insurance Practices! Huh??? To quote a famous Jerry Seinfeld episode, "that's like taking the top half of the muffin (the profitable part)! The Car Insurance Industry has lobbied numerous states and had Liability laws passsed that force us to carry liability car insurance. The Insurance Industry should not be able to lobby and convince a state legislature to pass laws forcing car owners to buy ...
Further Update on my Small Claims Court Victory... I was speaking with a small claims court expert recently who stated I should not have "fully" won my court case and the only reason I won the full amount was because I had a pro tem judge. I think this person was wrong because there was no insurance company involved. A very important distinction to be made should you try and reclaim your expenses from the opposing party. A private party who did not have the proper insurance coverage SHOULD NOT enjoy the ridiculous biases put into place by our insurance companies when they have not been paying into the insurance pie pool to begin with. Onto a separate but equal issue, car insurance companies do have the right to control value of items they insure, but to minimize the extent of renumeration given to a person's older vehicle to the point where it is LESS than what it costs to safely operate the vehicle and be in compliance with State and Federal laws while operating the vehicle is...