CAR INSURANCE

[kloofnek]

If one crashes their car through one own fault and it is a write-off
Does ones insurance pay for a replacement, less the excess?

[boxtops]

If you claim though, your premium will go through the roof next year...

[hc4361]

You are not insured for personal injury - only injury to other people.

Could you imagine the amount of fraudulent claims if you were covered?

[boxtops]

That's what I thought, hc - third party injuries. Imagine the number of whiplash claims if you could claim on your own insurance!

[hc4361]

Insurance premiums would be sky high.

[hc4361]

Well, they are already sky high - the premiums would be far too expensive for the average motorist.