| Click to Post a New Message!
Page [ 1 ] | | | |
|
|
|
Not fun Insurance Nightmare
I live in California and might have to change that, selling everything and leaving the state.
I have a 2001 chevy express and a newly purchased 1985 F350 stakebed.
Before purchasing the stakebed, I called my insurance company (auto Club) who assured me I can insure an F350 (they will insure 1 ton max) as an auto (I plan on using it primarily for personal purposes), and I also called Progressive insurance to get a quote on commercial insurance. I was warned by them not to go 'over' 10,000 gvw as that would require increased liability (750k) under california law. So I buy my truck listed as GVW of 6,000-10,000 lb, and suddenly auto club sends me a notice that they cant insure 1 ton trucks, and I call progressive and they say under california law that any truck with a GVW of "10K or over" requires the increased coverage. I plan on using this truck about twice a month to haul light material and rubbish, and to move my belongings upstate. This 750k insurance runs about $5000 a year.
My options are to pay the money, leave the state, or sell the truck and lose the 2500 above the purchase price I've put into it since I bought it three weeks ago, plus 400 a month in insurance while I try to sell it.
Does anyone have any advice? I can't afford to pay this insurance rate. My bond has tripled over the last three years, workers comp is going through the roof, and I'm already losing customers to guys who work under the radar (mostly not even US citizens), because they work cheaper (Gee, wonder how they can afford to do that?). I also found out that because of the wonderful financial policies of Gray Davis, my registration for the two vehicles will be almost $2000 next year. (december and feb)
Is it possible to rent an apartment or buy some cheap land in another state and then register/insure my vehicles there? Is it possible to get the GVW of a truck "reduced"? Any ideas?
I'm at the end of my rope. California is becoming very unfriendly to business owners between it's beaurocratic and social engineering policies. I see why they're all leaving.
|
|
 Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
I doubt that CA thinks that it is legal, but there were all kinds of people that had places and registered their vehicles in OR or NV. I lived in Orange County for the better part of 20 years. I left in 1998 because I did not like the direction the state was going at that time.
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
I actually shut down my business there in 1998 after a large company bought the business and didn't want to conduct business in CA. That amounted to over 200 jobs that were lost to the state when that happened.
There are some CA laws, if I remember correctly, that you have to get a CA driver license within ten days of living in the state and you are supposed to get your vehicles registered there in less than a year. This is problematic no matter how you look at it. It certainly throws up a flag if you have your CA DL and are driving a vehicle registered to you with OR or NV plates. You don't even have to be a bad driver to run into this problem, because if someone hits you, you will also have your documents checked. Insurance is another problem in that the rates you pay reflect the normal location of the vehicle. If you get insurance as if you lived in Stateline NV and you really keep the vehicle in LA, your insurance company may not pay a claim or may consider this to be insurance fraud.
There is only one really good solution and unfortunately that is to leave. The financial problems due to the Davis deficit are just beginning to surface and even recalling him will not correct the damage already done. You will also find that college tuition and other "fees" are going to be raised to pay for the shortfall. As people leave to avoid these fees, the costs are going to rest more heavily on the remaining "working" population. Your electricity is also likely to cost well above the prevailing market in the west for the next twenty years.
I have shot targets and hunted for many years. I decided to leave when they closed much of the desert, where I used to roam, to vehicle traffic. (you don't see many desert hikers without a gas can in their hands.) Now many of my gun owning friends want to store their guns with me, because the laws are defining more guns as unacceptable every year. The list of problems goes on.
I do wish you the best of luck, but I cannot see a very good future in California. You will run into companies "running under the radar" just about anywhere. Unless things have changed, there is no personal income tax in either NV or AZ, so there is an automatic boost of about 10%.
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
I agree about California. I lived there and ran a business from 78-84, and again from 90-93. The decline in business friendlyness was very noticable from the 80's to the 90's, and the direction of the political winds are clear. I wouldn't go back to CA to run a business for anything. Now all the Californians who find it oppressive there are coming to Oregon and the same thing will be happening here. It's like a disease, and it's spreading.
By the way, I grew up and lived in AZ for 27 years and paid personal income tax the entire time.
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
Resistance is futile; you will be assimilated!
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
HMMMMm Guys,
Seems like CA is a perfect example of failed Democratic fiscal policies. Never met a democrat yet who didn't want more taxes to fund a worthless program for lazy people I didn't care for. Why is it a democrat always thinks he is sent by God to help the disadvantaged by reaching into my wallet to fund it????? If you say anything about it you are automatically branded as a right wing robber baron that would take food from a baby. I have no use U.S. Democratic CA Senators Dianne "NOT SO FIEN" Stien. Barbara BOXknife, and Michigan's democratic bozos Carl "overpaid" Leven and Debbie "StabandGouge" Stabinow. As I have said before, the failed liberal direction of the democrats are the closest thing to anarchy.
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
Jeff, glad to see I am not the only one who feels like that about Diane Frankenstien, and Barbara The Knife Boxer. Ain't great to be able to post like this? It is starting to get like this all over the country. No way I would consider a business with more employees than myself. Just not worth the hastle.
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
JeffR, you're are absolutely right.
Interestingly, I read an article in the paper the other day about the CA Democrats. They were having a strategy session and left a microphone open, broadcasting to speakerphones around the capitol. They were discussing the viability of (get this) intentionally PROLONGING the CA fiscal crisis to soften up the public for a tax increase.
Unbelievable - all they want is your money, nothing else matters. I'm sure people will continue to vote them into office though.
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
Barbara Boxer is one of the scariest politicians I've ever seen. She was recently quoted as saying that abortions should be made legal for up to two months after the child is born.
Don't be so sure about the voters. I've been singing the warnings about the democratic party ever since I switched from jackass to pachyderm many years back. Most of my middle of the road democrat friends have looked at me as if I'm crazy for years. In the last couple of years I see a major shift in attitudes among these average working class Americans. Many of them voted Republican in the last election even though they are registered dems. I see even more of this trend three years later.
They really are bginning to see how they've been manipulated by the media (because the media is now sooo blatant about it all) for years, and how things really are getting out of control.
In the last national election, the democrats were largely spanked by the american people for their leanings to the radical left. Did they get the message? No they placed an even more radical liberal in charge as leader of the minority.
I think (hope) that they are about to get an even louder message in the coming couple of years.
Unfortunately, the branch of government that scares me the most is the judicial branch who now see it as their duty to usurp power from the legislative branch of government. If balance is not restored to the judiciary, we are in for some very sad turns in the direction of american policy and freedom for it's citizens.
For the first time in the history of the US, democratic senators are fillibustering presidential jusdiciary nominations, keeping the senate from their constitutional duty of voting on these recommended judgeships. A small group of liberal senators are misusing their commitee status to determine who will be judges and who will not by using strongarm tactics with President Bushs' nominations.
Senator Schumer and Leahy have publicly stated that if you are Christian, Conservative, or Pro-Life, you are not fit to serve as a jusdge in the United States.
53 US congressmen and women are now openly practicing socialists, and their goals of wealth redistribution are now painfully clear. It amazes me that after watching the dismal failure of every socialist government that ever existed, they still plan to do this to the most successful system in the history of the world.
I'm so sick and tired of the liberal media bashing the US overseas, causing much of the free world to think that America is the problem on this planet and that we just throw our weight around. Never before has a country with so much power showed so much restraint. If we were about power and domination, we could have had the entire word under our boot heel immediately after WWII and could do it even more easily now. We have bailed country ater country out of trouble from dictators who subjugate them, and all we have ever asked for in return is a little land to bury our dead soldiers.
I think that the last election has been very revealing in how divided america is right now, and I blame the radical left for this. Like Hitler, they are in the schools trying to brainwash the youth of America into doing as it's told, all the while having them believe they are thinking for themselves.
This war has exposed a lot in how the liberals really are, how CNN, BBS, Reuters, and AP have all been turning the world against the US, and I see alot of people getting sick and tired of the whiner Dems. I'm hoping they express themselves very pointedly in the next big election, and I hope that it starts with the resounding ass booting of Mr. Davis.
Sorry for the all over the map rant, but this is a subject very close to my heart..
|
|
Add Photo
Bookmarks: |
|
| |
|
Not fun Insurance Nightmare
DeTwang, well said! Not sure if I have seen you here before but welcome none the less! The next election should indeed be very interesting. This country is approaching a critical fork in the road and direction this country takes will have lasting implications for decades if not more.
|
|
Add Photo
Bookmarks: |
|
| |
|
Page [ 1 ] | | | |
Thread 60685 Filter by Poster:
3 | 1 | 3 | 7 | 4 | 4 | 1 |
|
()
Picture of the Day
DennisCTB
Unanswered Questions
Active Subjects
Hot Topics
Featured Suppliers
|
Gas Generator Weather Protecti
08-01-2003, 12:14 
Digg It 
Del.icio.us 
