car insurance

[desh]

It's time for me to renew my car insurance. Progressive, my current company, can renew my coverage for $705 for the next 6 months. Which is rather good.

The thing is, Pennsylvania has a "limited tort" option, which I'm not currently using. Essentially, you sign something waiving your right to sue in case of an accident. You have to bend over and take whatever the insurance offers you, with no recourse. (Unless you die or are dismembered or something.) Though you get a substantial discount for doing limited tort. The premium with limited tort?

$487 for 6 months. This is absolutely unheard-of for a male driver under the age of 25 in Philadelphia. I thought I'd be lucky to get under $2000 for a year. $1000 is amazing.

But I kind of like my right to sue. So I'm not sure.

Advice?

Comments

[dorchadas]

IANAL, but as far as I know you can never actually waive your right to sue. A statement that you've done so, however, makes it much less likely you'll win, so it might amount to about the same thing.

[desh]

The whole "limited tort" thing is a Pennsylvania state law. The car insurance industry is highly regulated, and among other things, they're required to give us a limited tort quote along with any standard tort quote, whether we want one or not. So I find it really likely that the waiver is legally binding.

IANALBIPOOTV.

[bumonyou.livejournal.com]

Again, love the icon, and really? I think you might be arguing that you can't waive your right to sue just like I can't waive my "right" to sodomize a chicken. Oh sure, I'll SAY I won't do it, I'll even sign my name to it, but no flimsy piece of paper is gonna stop me goddamit! So umm...basically I am calling your argument silly. And I just made mine with a chicken-sodomizing argument. You gonna take that?

[bumonyou.livejournal.com]

It has come to my attention that my previous comment may have implied that I enjoy the carnal company of fowl. This is not the case. I just like to shoot my mouth off.

[desh]

Of course you don't enjoy the carnal company of fowl. You're in NZ. That's what sheep are for.