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Old May 15th, 2007, 08:02 PM
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Default Disturbing

My auto insurance is expiring in a few days so I go out to find some quotes. I was talking to one giving her a my facts then she asked for my birthday. I told her 1-30-1920. Then she said O I am so sorry we do not insure persons over 75.

Now what do you think of that? I told her all the necessary facts and then she asked for the BD. I told her why didn't she asked that up front. I just hung up. My thoughts are IMHO that is discrimation. Well anyway I am keeping my present insurance. They have the best price anyway.
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Old May 15th, 2007, 08:29 PM
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Well Ray, I know I would feel the same way if I was in your shoes. But you know how it is... one bad apple has to spoil it for everyone else.

Basically you can blame my parents. They have no business being on the road. Two very scary senior drivers with a bad case of road rage. I swear my mom is probably going to get shot one day because she keeps letting all of the other drivers know they're number one...she just uses the wrong finger, if you know what I mean. Truly, my parents are the reason Senior Citizen's can't get auto insurance.
I'd report the company to AARP and see if they'll go and lobby to change their policies. I think my parents are insured through Good Sam's Club...obviously they'll insure anyone lol!
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Old May 15th, 2007, 08:55 PM
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Beenie,
Why in heaven's name do they continue to drive then? Don't you feel like you should do something about your parents driving if they're not really road worthy? It's a hard thing to do (speaking from experience) but then again it would be worse if they killed someone.
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Old May 15th, 2007, 08:58 PM
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Ray, how about insuring with USAA.
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Old May 15th, 2007, 10:19 PM
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Angela, you obviously haven't got to know me too well here on Cruisemates. Many of my posts are a bit tongue in cheek and meant more for their (hopefully) entertainment value than true edification. However, Angela I'll be more than glad to forward you their name and address and you see what kind of impact you have convincing them they shouldn't drive. Good luck to you! Seriously, its like talking to a wall, a wall that swears like a sailor if you're talking to my Mom.
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Old May 15th, 2007, 10:26 PM
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Beenie, it is a real shame that your parents are that way when they drive and I hope they aren't as bad as you tongue in cheeked about.
Please let your parents know that "Road Rage" is just the same as a virus, it is really easy to pass on and affects so many people after the initial infection.

Ray it is a good idea to stick with your original comp. as they know you but the others don't.[/i]
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Old May 16th, 2007, 03:00 AM
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Road rage... not a good thing...
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Old May 16th, 2007, 05:24 AM
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Beenie, I think your Mother must be related to my lately departed Aunt. When she was in the nursing home the following note was found on her chart. "This woman should have been retired to an old sailors home, she swears a lot".

Laura
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Old May 16th, 2007, 08:32 AM
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Ray,

How discouraging. I'm sure there must be some companies out there that do insure seniors. Maybe you just have to retake the drivers test or something to get requalified. I hope you find some solutions soon.
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Old May 16th, 2007, 08:50 AM
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I am one who has always advocated the renewal price of a drivers license should be doubled and everyone should be REQUIRED to take a road test, every eight years, in order to renew their license. This would increase to four years at age 50.

The added cost would cover the cost of facilities and personnel required for increased numbers of people taking the road test.

If you pass the road test then you are insurable at any age. Simple enough.

There are unsafe drivers at all ages and those that are unsafe need to be pulled out of the system before law enforcement, doctors or a tragic accident forces them out of it.

Take care,
Mike
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Old May 16th, 2007, 09:09 AM
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The same is to say about young people driving. They do get insurance but the cost is very high. The laws just need to be stricter to have them tested better. Oh well, until than we will see accidents.
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Old May 16th, 2007, 09:26 PM
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Beenie,
I guess that's one of the unfortunate things about cyber communication....it's hard to know the tone sometimes.
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Old May 18th, 2007, 10:27 AM
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Insurance is ridiculous. After many years of dry feet (no cruising by my choice), I decided to give in to a 20 year dream and go to Antarctica. In one day I found my ship, the Azamara Journey, part of the Celebrity fleet, and was booked and under deposit. Then I asked the booking agent the price of trip insurance. Because of my age (nyob), I was quoted $756! I gulped and paid it. What else was there to do. I'd already checked other trip insurance policies and they were all about the same for that particular cruise. Evidently, if they need to evacuate you out of Antarctica it's by private charter flight. The health portion of the insurance covers $300,000 worth of everything. The personal items part is a measly $50,000. I don't think I own $50,000 worth of stuff if you except my apartment and I'm not taking that with me.

Carole
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Old May 18th, 2007, 01:10 PM
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Sorry to hear that Ray. It does sound discriminatory if you ask me.

My parents are 72 and are in excellent physical health. Heck, my dad could still whip my butt if wanted and I'm a young, sprite 42 years... lol

Sure there are some people that probably shouldn't be driving, but I think Mike hit the nail on the head... if you can pass the drivers test, there should be no age limit on who can drive or be insured.

Insurance.... ugh!
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Old May 18th, 2007, 02:10 PM
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One thing to consider:

Many elderly are on drugs that CAN affect their driving skills and decision making. Some even taking multiple drugs that interact with each other increasing the potency in their system. THIS fact should also be a consideration before issuing a driver’s license.

Many don’t consider physician prescribed drugs an issue...but it should be.
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