You would think folks in a poor community would avoid forcing a retail store to close that serves the neighborhood. How many jobs displaced, how much further do shoppers need to travel for what will be shoes that cost more?
By all means Mr. Wheeler- don't let them hire cops who could actually make arrests to clean up the situation.
When does Portland want to stop being weird and start growing up?>
It's not just the lack of police, it is that there is no penalty for misdemeanor shop lifting. The perps get a fine they never have to pay and no jail time. They are out the same day and free to go do some more shop lifting. Car theft is just about the same.
Unauthorized use of a motor vehicle is not prosecutable any longer unless the (very stupid) thief tells the truth about his/her actions thanks to the Oregon Court of Appeals interpretation of proving the elements of the crime.
So, yeah it’s cool to steal cars in Oregon.
Go pick up what’s left of your stolen/damaged car; fill out a police report (for the insurance claim); pay to get it out of the towing yard; La Di Dah.
Lather. Rinse. Repeat.
HHusky: "That's why you carry insurance"
Drivers in Oregon: "Why have my rates gone up 15% each of the last two years?"
15%????
Try again. Both Auto and Home went up 25% despite never having any claims other than a roadside assist and a windshield replacement over 5 years ago. Neither which are chargeable incidents.
My wife pays the bills our insurance kept going up every year. This year it jumped a pretty big amount. I called my brother who has the same insurance company and his hadn't seen these spikes. Called his agent and reinsured everything for way less than my current agent. Way less. She hadn't checked just paid the bills.
My agent was jacking the rates and when called said no it's the company not us. They lied. I got better coverage for less. A lot less. Keep an eye on what your old lady (or old man/lady thing if you're a BidenBros) does and ask questions occasionally. I'm gonna complain about the old agent everywhere I can.
Agents have nothing to do with the rates. Insurance actuaries and the State Insurance Commissioner do.
An insurance company presents their loss rate to the Commission to back up their proposed increase. And the Commission tells the Insurance company how much they can raise their rates as a whole for Auto, Home, Commercial, WC and so forth in a particular State.
The insurance company then tries to spread the burden of the rate increase across the State to keep as few people going shopping for new insurance as possible.
If you live in an area where the insurance company doesn’t have much saturation, then you bear most of the brunt of the increase.
So many times the zip codes that produce the most loss, don’t have as high of rate increases as other areas that had way less. Because if they have good saturation in that zip code, they want to minimize noticeable rate increase, as to keep the masses from going shopping for new insurance.
You would think folks in a poor community would avoid forcing a retail store to close that serves the neighborhood. How many jobs displaced, how much further do shoppers need to travel for what will be shoes that cost more?
By all means Mr. Wheeler- don't let them hire cops who could actually make arrests to clean up the situation.
When does Portland want to stop being weird and start growing up?>
It's not just the lack of police, it is that there is no penalty for misdemeanor shop lifting. The perps get a fine they never have to pay and no jail time. They are out the same day and free to go do some more shop lifting. Car theft is just about the same.
Unauthorized use of a motor vehicle is not prosecutable any longer unless the (very stupid) thief tells the truth about his/her actions thanks to the Oregon Court of Appeals interpretation of proving the elements of the crime.
So, yeah it’s cool to steal cars in Oregon.
Go pick up what’s left of your stolen/damaged car; fill out a police report (for the insurance claim); pay to get it out of the towing yard; La Di Dah.
Lather. Rinse. Repeat.
HHusky: "That's why you carry insurance"
Drivers in Oregon: "Why have my rates gone up 15% each of the last two years?"
15%????
Try again. Both Auto and Home went up 25% despite never having any claims other than a roadside assist and a windshield replacement over 5 years ago. Neither which are chargeable incidents.
My wife pays the bills our insurance kept going up every year. This year it jumped a pretty big amount. I called my brother who has the same insurance company and his hadn't seen these spikes. Called his agent and reinsured everything for way less than my current agent. Way less. She hadn't checked just paid the bills.
My agent was jacking the rates and when called said no it's the company not us. They lied. I got better coverage for less. A lot less. Keep an eye on what your old lady (or old man/lady thing if you're a BidenBros) does and ask questions occasionally. I'm gonna complain about the old agent everywhere I can.
Agents have nothing to do with the rates. Insurance actuaries and the State Insurance Commissioner do.
An insurance company presents their loss rate to the Commission to back up their proposed increase. And the Commission tells the Insurance company how much they can raise their rates as a whole for Auto, Home, Commercial, WC and so forth in a particular State.
The insurance company then tries to spread the burden of the rate increase across the State to keep as few people going shopping for new insurance as possible.
If you live in an area where the insurance company doesn’t have much saturation, then you bear most of the brunt of the increase.
So many times the zip codes that produce the most loss, don’t have as high of rate increases as other areas that had way less. Because if they have good saturation in that zip code, they want to minimize noticeable rate increase, as to keep the masses from going shopping for new insurance.
And to add, if you are A paper with no chargeable auto claims within 3 years and no Homeowner claims for 5 years, you can get a nice shiny rate from a new company. But the new company will do just what the old company did to you after the first year. And if you have Earthquake riders and any type of other special circumstance that requires other riders, it could get real ugly come renewal time.
Comments
An insurance company presents their loss rate to the Commission to back up their proposed increase. And the Commission tells the Insurance company how much they can raise their rates as a whole for Auto, Home, Commercial, WC and so forth in a particular State.
The insurance company then tries to spread the burden of the rate increase across the State to keep as few people going shopping for new insurance as possible.
If you live in an area where the insurance company doesn’t have much saturation, then you bear most of the brunt of the increase.
So many times the zip codes that produce the most loss, don’t have as high of rate increases as other areas that had way less. Because if they have good saturation in that zip code, they want to minimize noticeable rate increase, as to keep the masses from going shopping for new insurance.
I'm still damaged from having to buy mom her Kotex once