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Originally Posted by prydey
in much of your posting on these forums, you seem to lack the ability to put yourself in other peoples shoes!! for what its worth to you, I have full comp.
ever tried seeing things through the eyes of a teen or early 20's?? its not unusual for full comp to be over $2000/yr in some cases. many of people in this age bracket also drive cars worth not much more than that so it doesn't make sense to pay the value of the car every year.
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Okay, lets put the shoes of a new driver on:
We can buy a POV(perfectly ok vehicle) that say is worth less than $3000 and drive around with 3rd party only insurance for a couple of hundred dollars. We therefore choose to take the risk of our car being totalled due to our own actions and therefore risk being out of pocket for $3000 or so. This is the most likely outcome for newer drivers, damaging their own car by their own fault, that's why comp ins is so expensive for them.
If they are willing to risk the $3000 here(so they can save $2000 a year of comp ins) then that's a calculate risk that will probably pay off. Whats all the melodrama about having the car written off by having it written off by an incident where the other driver is at fault and uninsured or having it totalled by a hit run from a truck while it is parked etc.
If as a new driver I want a safer ride and are willing to put out $10K+ then if I dont want to take a loss in a write off which will be more than likely my fault I should consider comp and in such case I need to factor in the cost of the comp ins along with all the other costs of running a vehicle