Comment on car insurance

• RegalPotoo@lemmy.world ⁨7⁩ ⁨months⁩ ago

  Learning to drive as part of high school is a super American thing that is really indicative of your attitudes towards driving and car ownership

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  • PatMustard@feddit.uk ⁨7⁩ ⁨months⁩ ago

    It’s pretty standard in Britain to learn to drive when you’re 17. The testing seems to be much more rigorous than whatever happens in America though, and Anon would hopefully have lost their licence by now!

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    • FiniteBanjo@lemmy.today ⁨7⁩ ⁨months⁩ ago

      I suppose it is technically possible for Anon to have been ruled to not be at fault for all of those accidents, but that’s like winning the lottery twice.

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  • oatscoop@midwest.social ⁨7⁩ ⁨months⁩ ago

    Unfortunately in huge swaths of America a driver’s license is practically a necessity – there are no realistic alternatives. A 30 minute to an hour drive to go to work or get groceries isn’t uncommon.

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• rtxn@lemmy.world ⁨7⁩ ⁨months⁩ ago

  Not in Hungary. Getting a category B license, which covers automobiles and mopeds, starts with a long course in driving theory, basic maintenance, and traffic laws, capped by an exam. Then a one-day first-aid training and exam. The next step is driving practice with a certified instructor – basic skills on a practice course, then real traffic, plus parking and reversing maneuvers – 30 hours total, which must include one hour of highway and one hour of night driving, and has a minimum required distance travelled, ending with a one-hour exam with the instructor and an examiner employed by the state. Next you have to pass a medical exam (sight, hearing, balance), and THEN you can apply for a driving license.

  Also, just for comparison, when I started driving, my insurance was around 170 USD a year and it’s only gone down. $500 per month is fucking absurd.

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  • Lemmeenym@lemm.ee ⁨7⁩ ⁨months⁩ ago

    We’re no where near $170 a year but $500 is very high. I haven’t had a ticket or accident in about 15 years, I think insurance companies can only go back 6 years, and I’m paying about $75 per month.

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    • joel_feila@lemmy.world ⁨7⁩ ⁨months⁩ ago

      that has to be liability only

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      • Trainguyrom@reddthat.com ⁨7⁩ ⁨months⁩ ago

        For someone who’s over 25 with a clean driving record you can get good coverage for one vehicle for about $500/6 mo. My wife and I have no tickets and 1 accident (deer on a county highway on a blind curve, completely unavoidable, but totaled the car) and our rate hasn’t changed in the 3 years since we last made any adjustments

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      • ApathyTree@lemmy.dbzer0.com ⁨7⁩ ⁨months⁩ ago

        I have full coverage with decently high coverage values (above minimum across the board, some substantially so)

        I pay 60/mth, but I have a flawless driving record (driving since 04, not so much as a ticket) and live in a rural low cost state so that may factor in.

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  • ricdeh@lemmy.world ⁨7⁩ ⁨months⁩ ago

    Wow, 400€ is good, I (or rather, my family) paid about 4000€, and that was even with passing every exam the first time and generally being a good student. But I’m from Germany, not Hungary. Still, that can surely not account for such a vast difference, can it?

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    • rtxn@lemmy.world ⁨7⁩ ⁨months⁩ ago

      It can, easily. Hungary is cheap, both the wages and cost of living (although the ratio of the two is getting worse every day), compared to the rest of Europe and even many former Soviet republics. Foreign companies are flocking here for cheap, skilled labor. That 150,000 HUF was a significant part of the average gross monthly salary.

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      • budgard@lemmy.world ⁨7⁩ ⁨months⁩ ago

        Your info is outdated. A the cost starts at 300k, assuming they only need the minimum required driving hours to pass. Which is rarely the case.

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  • Ilovethebomb@lemm.ee ⁨7⁩ ⁨months⁩ ago

    That’s insanely cheap insurance, I pay that to insure a vehicle that is parked up and not driven.

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  • captainlezbian@lemmy.world ⁨7⁩ ⁨months⁩ ago

    Y’all have to hear to drive?

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    • rtxn@lemmy.world ⁨7⁩ ⁨months⁩ ago

      You don’t?

      You have to show that an imperfect hearing is not a hindrance, e.g. you won’t hear a siren coming from the left when it’s from the right.

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      • captainlezbian@lemmy.world ⁨7⁩ ⁨months⁩ ago

        Nah I’m hard of hearing and allowed to drive without hearing aids. All our traffic signals are predominantly visual and sirens are treated as a secondary component to the flashing lights. Hell, cops often only use the auditory components when the visual has failed, the visual never fails for me because I understand that I absolutely must rely on my eyes when driving.

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    • RavuAlHemio@lemmy.world ⁨7⁩ ⁨months⁩ ago

      Not necessarily, but the state then requires proof that the reduced hearing (1) does not impact balance, and (2) can be compensated sufficiently by the driver (e.g. actively looking out for blinking blue lights because they cannot hear the horn of police/ambulance/fire brigade vehicles).

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• Signtist@lemm.ee ⁨7⁩ ⁨months⁩ ago

  My wife didn’t even do drivers’ ed, since she didn’t get her license until after high school. She just had to pass a test and got her license that day. I did the whole drivers’ ed thing, but it barely prepared me at all, and I ended up getting into 2 accidents while still in high school since I just didn’t have the experience to deal with unusual situations, and I locked up when I happened to get into a couple dangerous situations. Luckily we’re both experienced drivers by now 10+ years later, but yeah, those first few years are basically just learning how to drive by driving, being a danger to everyone.

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  • KillingTimeItself@lemmy.dbzer0.com ⁨7⁩ ⁨months⁩ ago

    curious what those two accidents were caused by.

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• Iron_Lynx@lemmy.world ⁨7⁩ ⁨months⁩ ago

  NL here: driving education is something you have to do at driving schools, separate from regular schools. Getting your license requires a written exam (traffic rules, hazard recognition, stuff like that) and a practical exam, with both the practical and all lessons done in regular traffic. If you see a car with a blue square sign with a white L in it, that’s a student driver.

  It also costs a few thousand euros to go through the process. Though getting your license for cars does often get you a license for some other vehicles. Mine came with a moped license.

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  • NikkiDimes@lemmy.world ⁨7⁩ ⁨months⁩ ago

    Getting your license requires a written exam (traffic rules, hazard recognition, stuff like that) and a practical exam, with both the practical and all lessons done in regular traffic.

    Sounds the same as the US.

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  • FiniteBanjo@lemmy.today ⁨7⁩ ⁨months⁩ ago

    In the USA some states don’t require licensure for mopeds and similar pedal operated vehicles.

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• afraid_of_zombies@lemmy.world ⁨7⁩ ⁨months⁩ ago

  Umm my insurance gives me a discount if I take a refresher course every two years or so. It wasn’t really hard to do.

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• Zehzin@lemmy.world ⁨7⁩ ⁨months⁩ ago

  Brazil: You need to do psych and eyesight evaluations, 40 hours of classes, 20 hours of practical lessons (for cars, you need separate practical lessons bikes, semis etc) and tests for both.

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