Okay so you get the promise of cheaper premiums for now….

Insurance companies of all types are greedy as fuck. This is temporary. This will get increased in the next 5 years, and I’m being conservative with that number because these slimy fucks will likely be trying to increase prices the next day after this goes into effect.

Supposedly you’ll get a cheaper premium today at the cost of not being reimbursed to make you whole tomorrow. So what happens when these same companies come back and want to increase your premium by $10? Are you now going to make parties whole by the same percentage? Likely not. And the cowardly government is just going to let them step on the public again.

And how does this work for out of state drivers in New York? You get into a wreck and you’re just fucked despite supposedly paying more than a New York driver who hit you?