Check details of insurance, my standard admiral policy does cover basic audio equipment upgrades as standard
On the topic of noise regulations for vehicles... https://m.imgur.com/r/gifs/Yf6HcT2 Alegedly caused by the backfire from a motorcycle exhaust in Times Square NYC. While hilarious to watch given the context and hindsight, obviously that is a very dangerous situation to have, and incredibly scary for all present.
Insurance here is state-run and tied to your registration and it's great. It's not exorbitantly expensive and you never have to worry about getting screwed by bickering companies in an accident. Yay socialism.
I had no idea such a system existed in any country on this planet. It sounds like an interesting concept.
Florida is one of, if not, the most lenient state. I have seen a car driving around with literally no doors, windshield, and hood; the police don't care. Homemade vehicle addons and trailers made out of plywood are super common, and often fall apart. You could drive a car with dry rotted tires and a bad headgasket all the way from Key West to the Georgia border without getting pulled over, assuming you survive. You need to renew registration every 2 or 3 years but the state never sees the car or do any inspections.
It is, and works quite well in my experience. A privatised monopoly more than likely wouldn't work for obvious reasons, but since it's a state-owned company there's a responsibly to provide service over outright profit. They also can't just outright refuse to insure you like seems to be a problem in the UK, and their rate calculations are publicly available. Most importantly though, it essentially eliminates the problem of uninsured drivers since you literally can't get license plates without also getting insurance.
To be refused insurance in UK is rare, it's typically because you're a young driver of an exotic vehicle or have an awful awful record. Or some classic vehicles mainstream insurers won't touch and then classic specialist insurers want you to be of a certain age. Effectively we don't have P plates like Australia, but insurers don't like young drivers.
The whole British insurance thing makes me violently angry from an ocean and a continent away. It's like you guys don't even need the government to kill car culture (though they still try in their own way), because the insurance companies do it instead.
It's like you guys don't even need the government to kill healthcare, because the insurance companies do it instead. Though being violently angry seems to be an increasingly popular American pastime. It's not that bad. Its just absurdly expensive, seriously so. But end of the day as long as you're not some rich kid in a Ferrari or a 17 year old trying to register a classic vehicle that's worth a lot of money and the insurer is going to have difficulties repairing if things do go pear shaped, you'll be insured. There's literally people driving dragsters on British roads with 2000+hp *legally*, full registration, tax, MOT and insurance. --- Post updated --- Insurers generally base pricing on statistics. Where I used to live, the rate of diesel light vehicle thefts was sky high, and so registering a small diesel pickup variant of the Skoda Felicia was going to be far far more expensive than the petrol hatchback variant, just because statistically the theft rate was sky high. Subaru, desirable vehicle, lots of break ins and attempted thefts, plus statistically young drivers in performance vehicles crash more than older ones, wonderful combination, more money. They used to factor gender into it, statistically men are more likely to crash than women so discount time, as much as the stereotype is "ugh woman driver", statistics are damning in terms of how many people wrapping cars around a tree are men, that was now outlawed and whole my insurance dropped by a whole five pounds, mums went up £700, hers actually costs more than me and my sister's combined, she's got a tonne of penalties on her driving license and has had a lot of accidents so her premiums cost more. As you get older, premiums drop. Simple. Even for crazy 2000hp dragsters --- Post updated --- I even got a discount for declaring modifications on the Subaru, again based on statistics of my particular modification and ease of replacement. Aftermarket exhaust, fully legal. Accident rates of Subaru's with modified exhausts are bizarrely lower than the stock vehicle, and in the event of an accidental where the insurer has to repair the vehicle, the aftermarket part is more readily available than the stock part. Which is why again, dude above seriously needs to check out rules on doing stereo, as generally most insurers won't care about a head unit and replacement speakers, though they may care about subs
Hey, at least we don't have 26 week waits for care... yet. As for the car insurance, to the best of my knowledge it's still way cheaper here in the US. Easy enough for a teenager to get some raunchy old Camaro/Mustang/240SX/whatever and start modding it without having to worry overly much about insurance costs.
I can speak from recent experience, that for me the waiting time before they started to evaluate me was 1 hour, that was through the accident and emergency department. The whole diagnosis took about 5 hours (including the above waiting) , that was including urine tests, blood tests, ultrasound tests, and a ct scan. I was then placed on a ward without any waiting times, and had additional urine tests done every time I went to the toilet, as well as blood pressure and pulse check every 3-4 hours during the day. I was also fed free of charge with a choice of menu options, and desert. The quality of the food was perfectly good too. The worry of what was going to happen health wise was enough, if I had to pay US health care prices for all the above treatment, I would be financially finished, and probably in need of mental health services. And even with US style insurance I would probably be very out of pocket. Bitching about the NHS is a very British pastime, but the reality is, if you've had a physical injury, they do tend to do a good job of getting you sorted out. With that said, when it comes to solving minor health issues via the gp system, the NHS often isn't so great. But equally, a lot of people in the US would never visit a doctor for minor reasons due to the cost implications.
Non urgent care has insane wait times, that said I have a mile that is growing worryingly, it was checked out last Tuesday, I have it biopsied tomorrow.
Why not have private competition for more niche policies, and price competition? Especially that even a cursory search will tell you that Canadian insurance is expensive. Tends to happen without competiton. --- Post updated --- Same in Poland. That's why we have private competition, and high-level jobs often include it among benefits.
They did recently kick out high end cars (over $150k I think), forcing them to get some sort of private insurance, because they found they were driving rates up for everyone, and have made other changes to shift costs to those with worse accident records. After all that though, they still don't turn any profit so adding competition probably won't change things much. At the end of the day, insurance has never broken the bank for me (and I'm not at all well-off I can assure you) and I'm not bothered paying more than the rest of the country anyway to know I'm not going to get screwed over in a crash. I've heard of that happening way too often with private insurance to feel confident with it. I should also clarify that I am normally very much in favour of competition, and against corporate monopolies. This is just one case, along with healthcare, where I don't think competition makes a drastic improvement and could have the potential to make things worse. I'm also not an economist or expert of any kind, could be wrong, yada yada yada my opinion yada yada.
Makes sense when you are younger and male you are more likely to show off in a performance car. Mind you some performance like cars can be surprising when it comes to the cost of insurance for some reason. --- Post updated --- Excuse the picture quality.
How old were you when you modified your vehicle? Also i think maybe i have listened a bit too religiously to my parents who really don't want me to modify the car in anyway (fair enough tbh)... anyway would you say i need to declare mods such as changing the interior boot lamp to an led version or is that just as ridiculous as it sounds.. no need.
If you mean the light that turns on inside the car when you open the boot lid, you should be fine doing that. With that said, just give your insurer a call before you intend on replacing the part, and ask them if it needs to be declared, and whether it will affect your rates. Its also worth noting that not all car parts need to be declared. Typically wear and tear components can be replaced without needing to notify your insurer. That said, if you are replacing warn suspension bushings with poly bushings, it may still be worth checking with your insurer first. --- Post updated --- I've not had much internet for the past 2 days, so I am currently catching up on stuff and spotted this: Porsche Tycan Porsche are claiming that unlike a Tesla, it can keep doing its acceleration over and over without slowing down due to heat issues.
On one hand, I consider any instance of an electric car not being horrible to drive a threat. On the other hand, it wouldn't surprise me at all because Teslas are notorious for being poorly-engineered, poorly-built, and just bad at basically everything except pillaging taxpayer dollars and throwing down big numbers... once.
Model 3s seem to be capable of that feat also though, in part due to Tesla more aggressively engineering cooling for the battery to prevent overheating. --- Post updated --- Minus Tesla not qualifying for the government ev discount in the US or UK and only the base trim for model 3 qualifying in Canada via custom order only. The grants only cover vehicles under a certain price tag, that Tesla's exceed
