Louisville, Kentucky…..Instant Online Insurance Quotes

Louisville, Kentucky home to the fastest two minutes in sports

Louisville, Kentucky is known around the globe for being home to the fastest two minutes in sports. Similarly, TruePoint Insurance in Kentucky is known for rapid real-time, online, insurance quotes.

TruePoint, home of the most enjoyable five minutes in insurance

We often find ourselves boasting that our real-time online quotes are the most enjoyable five minutes in insurance.  While this may sound like hype, we can support our claim.  Typically online quotes are anything but online quotes.  If you don’t believe me, go ahead and give it a try.  Take the next 10 to 15 minutes of your life and complete the online form.  When you have reached the final page, what do you see?  Or should I ask, what don’t you see?  Probably not a quote.

What makes our quotes different? 
Online insurance quotes in real-time
Insurance Quotes:
Online and in Real-Time

You have set your self up for 4, 8, maybe even 12 calls over the coming days.  Insurance agents all hoping to give you what the original ad promised; an insurance quote. Why did you go online for your insurance quote? 

  • Convenience, the promise of information at a time that fits into your busy day. 
  • Insurance Agents, If you have ever tried to buy insurance, you get this one.

Odds are, you were trying to avoid talking with an insurance agent.  You are going to get pretty frustrated.  Now, instead of one insurance agent, there will be a dozen. 

TruePoint online quotes recognize your needs and time constraints.  When you finish our online form you will have a quote for your car insurance, home insurance or maybe a quote.  More importantly, we’ve made the agent disappear. 

Ok, so the thing about the agent disappearing is our Hype!  But the truth is, the ball is in your hands.  To issue a policy you will need to talk with an agent.  

What horse won finished first in the 2019 Kentucky Derby?

Ok, maybe we are not as well known as the derby,  but we give you real-time home and auto insurance quotes without a Racing Steward.  That doesn’t make us the best insurance agency for everyone, but with our customer-focused approach, the number two agent isn’t going to beat us.  

While others are spending their time trying to make insurance interesting, we are making every effort to simplify the process by putting information at your fingertips.  Instead of trying to make insurance exciting, our client portal places all your important insurance information in one convenient location giving you more time for things that are a little more exciting than insurance.

While some might disagree, we know that insurance is ready for  Prime-Time and our clients can attest to that.  While others are taking time away from their work or otherwise busy schedule, our clients are interacting with us through our online client portal.  While others are watching Dancing with the Stars, our clients are online adding their new car to their insurance policy.

It’s that simple.  Our client-focused approach is how we Justify asking you for your business.

Deductible

Insurance term, definition, deductible, insurance deductibe, what is a deductible,

An deductible or insurance deductible is a fixed dollar amount or percentage that is retained by the insured. In the event of a claim (most often property claims) the insured will be required to come up with the deductible amount declared in the policy before receiving the insurance companies obligation.

Benefits of working with a Kentucky Insurance Specialist

Do you have options when you buy insurance?  Does your insurance company have local agents to help?  If you don't have access to someone that understands and you can't buy from the insurance company that has the best prices for what you need, I don't you think your dealing with the best insurance agent.

What color is your umbrella? In today’s world, when it comes time to buy insurance, you will find that you have a range of options.  The challenge is learning to optimize them to meet your own unique constraints and objectives.   Individuals and businesses seeking Kentucky Insurance need to develop a thorough understanding of their insurance options.

Kentucky Insurance Markets: 

Direct insurers. cheap insurance, price, no insurance options, Do you want cheap insurance?  what kind of insurance do you need?   Cheap car insurance, Cheap auto insurance. insurance agent

For decades insurance markets were divided into two categories; Independent and Captive Insurance companies.  The independent marketing channel is made up of agents (more accurately, Brokers) that represent multiple insurance companies.  Captive carriers utilize agents or employees to distribute their products.  This group tends to use more print, television, radio, newspaper and other to generate sales. 

In recent years a third market has entered the mix; Direct Carriers.  This group has many similarities to the Captive Carriers.  The two groups have market plans that look very similar.  The Direct Channel takes a much more aggressive approach regards utilizing online resources.  The Direct sector of the market not only uses extensive online marketing, but many in this sector also have willingly foregone brick and mortar in favor of online facilities.  In many instances, they have shifted the role of the agent to the customer’s computer keyboard.

When it comes to Property and Casualty insurance for individuals, US Captive Carriers remain the largest player.  The market share for Independent Insurance companies has held fairly steady in recent years, during a time where the Direct writers are rapidly gaining market share mostly at the expense of the Captive market.

2017 Personal Lines US Market Share (Auto Insurance, Home Insurance, and other)

Captive                                                                                                 46.6%

Independent                                                                                     35.1%

Direct                                                                                                    18.3%

For businesses, the landscape is totally different.  Independent Carriers have and continue to dominate this market.   It doesn’t seem to difficult, with an 84% market share for US commercial insurance, it seems only logical that all business owners should consider quoting with at least one broker. But why?

Independent agents have access to more markets. More markets should mean better prices and in this case, it certainly does. Business owners are often willing to spend a little more time and put in a little more effort. The point is simple. If their competitor is able to secure insurance at a better value, they will be more competitive. Certainly a position no business owners wants to find himself in!

2017 Commercial Lines US Market Share (Business Insurance)

Captive                                                                                                 16%

Independent                                                                                     84%

Direct                                                                                                    < 1%

Overall the Independent Insurance leads the way, writing nearly 82% more US Property and Casualty insurance than the number two insurance company category, the Captive Carriers.

2017 Combined US Market Share (All Property and Casualty Insurance)

Captive                                                                                                 31.9%

Independent                                                                                     58.1%

Direct                                                                                                      9.9%

What type of insurance carrier is right for me?

There is no right answer for everyone.  But if you are embarking on a search for cheap insurance in Kentucky, you might consider reviewing the questions below:

  • Will you be looking Kentucky business insurance quotes?         
    • As we noted earlier, Independent Insurance Agents write far more insurance than the other two types of insurance companies combined.  There is a reason this is happening, if you’re looking for the cheapest insurance chances are you will find it here.
    • Don’t just get a commercial insurance quote, while you’re working with your Kentucky Independent Insurance Agent, have them quote your home and auto insurance.  Doing so my end with a lower premium on both your commercial insurance and your home and car insurance.  TAKE ADVANATAGE OF DISCOUNTS EVERY CHANCE YOU GET.

Business owners, that don’t get a commercial insurance quote from an Independent Insurance Agent, are a favorite to pay a higher insurance premium than your competition.  

  • Do you think the cheapest insurance is the best insurance? 
    • Price is important!  It’s very important, but it should never be your only consideration when buying insurance.  It doesn’t matter whether you are searching for household insurance, or for your business.  There are several issues you will want to explore:
      • Deductibles-Be Extremely cautious if it is percentage (i.e. 1-2%) instead of a dollar amount (i.e. $1,000)
      • Causes of Loss
      • Replacement cost or Actual Cash Value
      • Standard/Excluded Coverages – Your homeowner’s insurance policy will exclude many items that you should be given the opportunity to consider:  Earthquake insurance, sinkhole insurance and many others
      • Do you understand your business insurance policy?  There are many moving parts, any of which could spell the end of your business if not properly addressed.       

None of three insurance marketing venues has a hold on Cheap Insurance.  Your personal financial situation, loss history, age, location along with many other factors will all come into play in determining your insurance premium. 

We advise our clients to think in terms of the best relative value.  Most of us have a job and commute to and from work four or five times a week.  Would you consider buying a bicycle to provide you transportation to and from your work? 

For those that live a very short distance from work, this might be a viable option.  For several years I worked within 2 miles of my home.  During this period, a bicycle would appear to have been a cheap option.  I could have saved $10,000, $20,000, even more had I taken the bicycle route.

That would certainly be a great relative value if I lived in Gainesville Florida.  But what if I live in Fairbanks, Alaska, where the average high temperature from November 1st through March 31st is 10 degrees Fahrenheit?  The bike would not be a wise choose. 

When I ask clients to focus on the best relative value, I am asking them to spend a little more time to review policies.  Sometimes the best insurance policy actual is offered at the lower price or at a premium that is so competitive that the only logical choice is to pay a little more for the insurance policy that best fits the client’s needs.  Most of us would gladly spend an extra $20,000 to avoid commuting by bike in Fairbanks, Alaska

Insights

The Commercial Insurance market is extremely dependent on the Independent Insurance Agency Network.  This group has access to more markets, better options, and overall better pricing.  We highly advise all Kentucky Business Owners to seek the assistance of an Independent Insurance Agent.

Where can I get lowest cost insurance?  Best Relative Value?

No one has a hold on Cheap Insurance.  Independent and Captive markets provide consumer’s access to Knowledgeable Agents and more specifically, knowledge of Kentucky Insurance.

At the end of the day, we believe that it’s that independent insurance broker. There we believe you will more often find the end of your rainbow.

Do I need insurance for a Yard Sale?

Review your insurance policy before having a yard sale or garage sale at your home.  It is possible that you may not have liability insurance coverage.

Few things are more common than the sight of handmade signs sticking on telephone poles, street signs or mounted on spring and summer lawns that announce nearby yard and garage sales. Succumbing to curiosity or taking a chance on scoring a great buy leads to another familiar scene: a home, with a variety of cars haphazardly parked around it and persons strolling to and from as well as others browsing among the sales items. Generally, the merchandise consists of clothes, baby articles, and toys. Often larger items are for sale such as exercise equipment, furniture, bedding, and appliances. When the event is an occasional one, there are few issues to worry about. But frequency creates important concerns that affect insurance.

Consider someone breaking into your home and making off with hundreds or thousands of dollars’ worth of property. Or how about a fire or storm destroying a home and most of its contents? Usually, there’s no problem since a homeowners policy will handle such losses. However, if a significant amount of the property was stored for sale, that property may either only qualify for limited coverage or may even be ineligible for protection. Property offered at your yard for sale which belongs to others (sold on consignment) is another class of property that may have only limited protection available or, depending on circumstances, might be considered business property and be disqualified from coverage. Example: Joan’s house is broken into the night before her big yard sale. Among the items stolen was a large, expensive set of drums worth nearly $1,000. It belonged to a friend who asked her to put it on display during her sale. Joan’s insurance company denies protection, claiming it was goods for sale and not personal property.

Liability insurance protects you in the event another person is injured or has property damage that is directly related to your actions.  Accidents arising from yards sales will be protected by the liability coverage included with your homeowner's insurance.

Similar considerations exist concerning legal liability. For instance, a visitor comes onto your premises and then fractures a leg and hip when tripping on an exposed tree root. Because she was old and frail, the injuries require surgery and a long rehab. The visitor sues you for hospital, surgery and other expenses. Normally one’s insurance policy would defend you against the lawsuit and, if necessary, pay any awarded damages. But what if, instead of a friendly visitor, she had come onto the property to look at items on sale? That could cause a serious coverage issue.

Determining factors for either property or liability coverage are how often sales occur and what income has been made over a period of time (usually the 12 months before the date of a loss). Depending on those details, the activity involved in the loss could be considered a business. In such instances, coverage may not exist under a basic homeowners policy.

Yard sales may appear to be a safe activity, but there are genuine risks to the seller (property owner) and to the customers who are invited onto the property. It makes sense, regardless of your insurance situation, to take steps to minimize the chances of problems occurring.

Safety – property owners bear responsibility for the safety of their guests. A yard or garage sale represents an invitation for others to come onto your premises for a financial benefit. This means that a higher level of watchfulness is due to these legal invitees. It is important that all reasonable precautions be taken to ensure their safe use of your premises before, during and after a sale.

  • Take care in how merchandise is set up and displayed, especially any items that have the potential for causing injury, such as breakables, tools, motorized items.
  • Clean up any spills immediately, especially any involving broken glass.
  • Make sure your premises is free of any obvious dangers to customers/shoppers, especially trip hazards.
  • If you have pets, make sure they are kept away from customers to eliminate any chance for attacks.
  • Secure access to a covered or shaded area, particularly as a checkout area. On hot days, this can provide a cool down area for sellers and shoppers.
  • Have access to a fully charged phone to call for assistance in case of emergencies or to arrange for help for food or bathroom breaks.
  • Limit access to the shopping area by children, both those who are part of the seller’s household and those belonging to shoppers. Sales areas can be hazardous, particularly parts of the yard used for parking cars.
  • Keep drinking water and spray bottles available to prevent and/or to treat dehydration.

Security – you want to minimize any chances that you are victimized by using practices that keep persons and property safe.

  • Make sure that all doors to your home are locked. If you need easier access to your home during the sale, yourself or another trusted person should be stationed near the door.
  • Prior to a sale, keep garage doors locked when sales items are stored there.
  • Set up guards or barriers to discourage any access to your property before or after the sale.
  • Do not allow shoppers or customers entry to your home, be aware of nearby public places where they can get safe access to restrooms (gas stations, restaurants, etc.).
  • Take great care in how cash is handled, particularly if you decide to use a cash box. If the latter method is used, be certain that a person is dedicated solely to the checkout area.

For both safety and security reasons, do not run a yard sale alone. A friend or relative as an assistant is a must to making sure that customers aren’t endangered and to reduce chances of theft. Also, never leave the sales area unattended.

If you have yard sales, you should check to see if their frequency and their sales volume create a need for additional protection, such as a form that covers home businesses. An insurance professional is in an ideal position to help you!



COPYRIGHT: Insurance Publishing Plus, Inc. 2015

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Is Flood Insurance Only Available Through FEMA?

Your home is not automatically covered by flood insurance

Insuring yourself against flood risk is a little different than other insurance policies. Many people mistakenly assume that they have flood coverage through their Fisherville, KY homeowners or renters policy, but they don’t. In order to protect yourself from flood risks, you need a specific flood insurance policy to cover related losses. While you can purchase federal flood insurance through an insurance agent, most flood insurance policies are administered through the National Flood Insurance Program (NFIP) and can be purchased by homeowners, businesses, and renters from an insurer who contracts with FEMA.  


 

What Does Federal Flood Insurance Cover? 

The maximum flood insurance coverage amount is $100,000 for the contents of your home and $250,000 for damage to the structure. Commercial flood insurance through the NFIP provides up to $500,000 for your building’s materials and $500,000 for damage to the structure. You can also buy what is known as “excess” coverage beyond the limits offered through NFIP through private insurers. Flood insurance coverage for the contents of your home and damage to the structure is sold separately. Coverage for personal property only applies to its cash value basis, whereas buildings are covered for replacement cost. 

Federal flood insurance will cover direct physical losses caused by flooding and losses resulting from flooding-related erosion. For flood loss coverage for cars, ask your TruePoint Insurance representative for information about optional flood coverage through the comprehensive portion of your standard automobile insurance policy. 

Buying flood insurance 

Need flood insurance?  Buy flood insurance from truepoint, If you have a mortgage and your home is located in an area that has been identified by FEMA as a flood zone, chances are, you have been notified that you need flood insurances.  If not consider review the previous link regarding who needs food insurance.  If you would like additional information, one of our agents will be more than happy to assist. 

When buying flood insurance coverage, remember that almost 100 insurance companies offer NFIP policies. It’s easy to purchase. You can purchase a Federal flood insurance policy directly from an insurance professional. However, it does require a waiting period of 30 days before the policy takes effect. 

Flooding can occur at any time and threaten your Fisherville, KY home, so don’t wait until the last minute to purchase it. Call TruePoint Insurance today for more information about protecting yourself from the risks of flooding. 

Do you need flood insurance? Learn more about the people insured by the National Flood Protection Program.

Term Life Insurance and invest the rest

At TruePoint Insurance, agents help the residents of Fisherville, KY find insurance that meets their unique needs.  We approach the client’s life insurance needs in the same manner.

Term life is an excellent choice for individuals who want to make sure that their final expenses are covered. It’s also an option if you want to have the policy mature within a specific period. A term life policy offers a variety of benefits that other types of life insurance don’t.

Specific Time Frame

Term life insurance is written for a specific number of years. Each payment is used to add equity to the policy until it matures at the end of the designated term. Term life policies can be written for 10, 20, or 30 years, depending on how big the plan is and how much you want your monthly premiums to be.

While Life and Universal Life Build Equity, Term Life DOES NOT

Whole and universal life policies are often referred to as permanent life insurance. The term permanent life relates to the fact that these policies do not have an expiration.  In addition, the permanent policy develops equity which continues to grow as you make payments.  

While the cash value grows slowly at first,  once the equity has reached a certain amount, you may have the option to borrow against it. This is an excellent option if you have an emergency when you need access to cash. You can then pay the loan back by paying an additional payment every month.

The drawback to permanent policies:  A Significantly Higher Premium

Lower Payments

The fact that term insurance policies don’t guarantee to ever pay the a penny is a negative for many. To answer the question of term or permanent life insurance you should start by asking yourself two questions: 1) As your progress through the various stages of life, will your life insurance needs change? 2) Is a permanent life insurance policy the best investment vehicle available to you?

It is a common belief that young families receive the greatest benefits of life insurance. There are many reasons that support this argument. While this age group is least likely to collect from a term insurance policy, the risk of not having protection is by far the greatest.

Young couples have may have a lot of balls in the air. Couples with children have legitimate concerns regarding their wellbeing should something happen to one or both of the parents. Increased demand for insurance among young couples can also be magnified if one spouse is the primary breadwinner.

The inflated insurance demands will in many cases be short lived. As children leave the nest insurance needs decline. Over time savings increase, further reducing the demand for life insurance.

It is normal that insurance needs are greatest for young families. It is also normal that young families have less disposable income. The lower premium associated with term life is often a much better fit for families that are just getting started,

While the primary benefits of a term policy is the lower monthly premiums Permanent polices act as both an investment vehicle and an insurance policy.  For years the relative value of Term Life has been debated.  Proponents argue that consumers should buy life insurance from companies specializing in such and allocate investment monies to those providing professional investment services.  For years the call to action for this group has been ” Buy term and invest the rest.”

If you live in the Fisherville, KY area and have questions concerning term life insurance, call the agents at TruePoint Insurance and schedule an appointment. They will go over all of your questions and make sure you have the answers you need to make an informed choice.

TruePoint Welcomes Tammy Rue

TruePoint Welcomes Tammy Rue

We have some great news to share.  Tammy Rue, a life long resident of Anderson County is now a part of the TruePoint team and we are excited.

Tammy has spent over 21 years helping individuals and businesses in Anderson County with their insurance needs.  Finding individuals with deep local roots that also have extensive insurance experience doesn’t happen often. So it didn’t take long for us to realize the impact that Tammy could have.  Going forward she will play a big part in our efforts in Lawrenceburg. too.

Drop by our Eagle Lake location this Friday, February 8th to help us celebrate this great addition to our team.  Download

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Who’s in the driver’s seat? (part 2 of 2)

TruePoint Insurance at Christmas

The Critic’s View

Those opposed to the autonomous car can defend their position by using safety statistics alone.   While self-driving autos may be the thing of the future, the future certainly isn’t now.

Proponents may also have a flawed economic model.  While they argue that eliminating the driver will reduce the cost so dramatically that car ownership will soon be a thing of the past.  Taxi stands will soon be on every corner.

But do we currently have enough taxis, Uber, etc. to meet he need?  How many more will be neededto meet the twice-daily rush hour demand across America? 

Absolutely no way!  In 2012 there were 234,000 taxis in America.  That may be enough to address the required cars in Louisville, Kentucky during rush hour. 

Assume we do develop taxi fleets across the US that will satisfy our needs.  128 Million people in the US  commute to work by car.  Does that means we need to add 127 Million vehicles added to our taxi services?  Sure ride sharing will cut that number significantly, but you are still looking for 60 to 80 million new cars. The vast majority of those will be used only three or four hours a day.  Unused vehicles taking up space in garages and will still be subject to numerous fixed costs.  Costs that will quickly eliminate the 70% saving, and may likely lead to a higher price than today’s model.  What the proponents are missing is that the actual driver cost isn’t 70% of the current transportation cost.  That is unless someone is paying you to set in rush hour traffic!

Besides the safety and cost issues, several more problems need to be addressed.  Of greatest concern our Issues that will significantly impact the safety of driverless vehicles as they age, a broader understanding of the risks associated with computer drivers, and who should we point the finger at when things do go wrong.  Below are just a few examples ssues that concern me:

  • •    Proponents argue that humans are more apt to err.  Lots of stuff including catching the virus of the month can lower our capacity to drive.  Oops, computers get viruses too. 
  •      o         What happens whenthe computer is operating correctly?
  •      o         Could a nation ofdriver-less vehicles be immune to a cyber-attack? 
  • •    Time in when the shop.  My current car has an alert that stays on each winter.  It is related to the car’s ability to burn fuel with a higher alcohol level.  I know that it isn’t hurting anything and when I get it fixed, it is likely to re-occur.  So I wait until spring and it always takes care of itself.  My wife’s last car had a low tire level light that went on and off regularly.  It was caused because a magnet flew off.  I could have spent $85 and crossed my fingers that it wouldn’t happen again or I could visually check my tires if need. 

Will computers use the same logic that I do?  Or will I walk out to the garage one morning to find that my driverless car drove itself to the garage?

  • •    If you don’t see this one coming, then shame on you.  My car is in line waiting for well over an hour to get it’s required quarterly safety and maintenance checkup at the DMV. You think it drove itself there? Of course, it did, but not without you there to pay for your licensing and renewal.  Yes, that will eventually become part of the computer’s program, but what happens if your car fails the inspection.  If you don’t want to pay an outrageous towing bill, then you better be there to drive the car home or to the nearest Computer Diagnostics and Reprogramming Garage.
  • •    I ’ve, and I am going to be late for the most critical meeting ever.  Will the driverless car let me speed?  Better yet, we are out in the country for a Sunday afternoon drive when my wife goes into labor.  How fast will the car go?
  • •    Car insurance.  Who will pay for auto insurance on an autonomous vehicle?  The manufacturer?  That’s what everyone around me seems to think.  But I almost certain they will be wrong.  Sure the manufacturer should be on the hook for flawed programming.  But I will be shocked if the will accept exposure for your lack of maintenance or a slew of other things that you may do or not do that results in an accident. Will there be multiple policies in place to provide auto liability protection.  That certainly doesn’t sound efficient to me.  And that leads to another issue…..
  • •    Data. Do you think the government will mandate that manufacturers provide data storage for your vehicle?  You bet they will, and I am guessing it will be extreme overkill and wind up looking something akin to an airplanes black box. 
  •      o    Data on everywhere you go and when. 
  •      o    But the real issue is whose data is it.  Is it yours’, the manufacturer’s, your car insurance company’s, the police, government, Homeland Security……….
  • •    What will happen if you’re driving done the interstate and solar flares begin to impact your computer and those driving all the other cars that are on the highway?
  • •    Cable or Dish…..dish users know that trying to watch TV during a heavy rainstorm is a waste of time.  How does the driverless car respond to weather, or construction zones, police officers waiving you around blocked roads, flash floods, and so many more obstacles and hazards that are associated with driving?  Maybe these factors have been already accounted for, but these are a few the questions that I will need to have answered before my first ride with HAL. 

When will driver-less cars be available to the masses?

I don’t know the answer to that question.  If it were up to me I would not subject citizens to any unwarranted risk.  Why should we be forced to share the road with autonomous automobiles until they are safer than the average human driver?  

People are dying every day that could be given access to drugs not yet approved by the FDA.  In many cases, these nonapproved drugs represent the only real hope some have.

Why is our government blocking access to the only hope that these desperate people might have?  I don’t know!  But I am sure of this!  If our government continues refusing dying Americans access to hope, then they damn well better be keeping experimental cars that have a record for higher fatalities, off the roads that my kids are driving.

https://www.insuringky.com/blog/whos-in-the-drivers-seat-part-1-of-2/

Insurance

Who’s in the driver’s seat? (Part 1 of 2)

TruePoint Insurance at Christmas
horse and buggy

It started out as “you’re in the saddle.”  Later, as cars replaced horses and buggies, the figure of speech would change to” you’re in the driver’s seat.”  In both cases, the terms were used to acknowledge a person’s authority, that they were in charge or that everything was under control.

There will come a day when neither of these will have meaning to the majority of people.  Whether we are ready or not, we are rapidly moving towards a day where cars will no longer be operated by humans, but instead by computers. 

December of 2018 may soon be remembered as the beginning of the transition to autonomous or driverless cars.  This is the month when Waymo, a Google spinoff, started the first self-driving taxi service.  Operating in the suburbs of Phoenix Waymo One is being met with mixed greetings.

Some envision a transition similar to when we went from the horse and buggy to the horseless carriage.      Others anticipate more sweeping changes.  Not only will we use self-driving vehicles, but the need to own autos will be eliminated.  Their model for the future of auto transportation is driven by estimates that expenses for taxi services will drop by as much as 70% when vehicles no longer require drivers.  With a new abundance of taxis, American consumers will always be within minutes of an autonomous car.  Additional taxi owners will pass on much of their saving to consumers make it impractical to own a car. 

The Proponent’s View

Imagine being able to eliminate standing in line at the DMV to license or register your vehicle.  How about never having to pump gas again, or even better you will never need car insurance again.  There will be no need for maintenance, you no longer make payments for your car loan and parking garages will be a thing of the past.   Aspreviously discussed, fares will plummet, making the option of owning a caruneconomical

This group will also argue the benefits associated when potential human err is no longer part of the equation.  They will conclude that driverless cars will be a safer way to commute.

A War is Brewing

Given the initial results in Phoenix, it’s my guess that those In favor of autonomous vehicles are in the minority.  Reports are common of drivers intentionally trying to cause malfunctions and attempting to force driverless cars off the road.  There have even been reports of guns being pulled on occupants of Waymo vans. Why are these drivers so upset? 

It’s not about protecting the status quo, it’s about protecting our families!

Why aren’t more people upset about the string of deathsrelated to autonomous vehicles.  It hasme concerned and apparently, a lot of folk in Arizona are too.   It would appear that many of us are worried that we are moving too fast.  Better said, that our government is failing to protect us. 

Those in favor of driverless cars will argue that the autonomous auto will cut motor vehicle accidents by 80%, maybe as high as 90%.  The key word being will.  The autonomous car is not ready for primetime.  Given recent results, it’s not even close to being street ready. 

Self-driving cars are over 30 times more deadly than current cars and drivers.  Where is our government that predicts us from everything else?  Obviously not in Arizona!  This is where you will find frustrated citizens that have every right to be upset.  Sure pointing a gun at someone is not a solution, it is just adding to the problem.  But allowing a computer to access the streets of Phoenix is equivalent of playing Russian roulette with two bullets.  Why is this being allowed?   Why aren’t the people being heard?

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Continue reading part 2 of 2