Brazil did that and did so in a fair election and they made that decision. They didn’t do it for Americans to acknowledge their disdain for fascism. They did cos they looked at two options and picked one that they thought is better and in this case it aligns with what you think but they didn’t do it for you.

But the very idea of imposing over a democratic nation about who should or shouldn’t win is not ideal for the sovereignty of that country. Be it a fascist presidential candidate or a dimwit presidential candidate or a corrupt presidential candidate (all three can be the same person, LOL), you don’t want to be told by a non American that it is wrong to vote for that candidate. They may be right but you don’t have to buy it cos they said it. You vote on what benefits your country. Extend the same to others cos rules that hold for them should hold for you too.

Fascism always bad, yes. So if you were hypothetically a Brazilian, you’d do well to not vote for one there, yes. But singling out Bolsonaro supporters here is against the principles of democracy. You don’t want to be discriminated against based on who you vote for here, why is it okay to discriminate against someone based on who they voted for in their own country?

What is it with fascist supporters and being complete assholes on the road?

This truck drives by my job almost daily blasting music. So annoying.

All my homies hate Type 3 jughandles.

A dude in a Camry with a Bolsonaro bumper sticker cut my wife off on 24 yesterday

So…an immigrant supporting an anti-immigrant elected official.

That makes sense.

Don't worry guys, I got this one

​

Fascism bad, LampardFan. Fascism always bad. This is the objective truth, not up for debate. Tolerating it means you're tolerating tyranny, and that's unwholly unamerican. Furthermore, fuck your ideas on what's fair, if we listened to people like we, we'd be ruled by tyrants. Brazil voted out this fascist fuck, and rightly so.

The election was held months ago. I’m not over here soapboxing or telling anyone in Brazil who to vote for. It just irks me to see someone in the USA rally around & advertise for a wannabe dictator - especially with the current political climate here. I’d feel the same way & express the same opinion if it was an 18-wheeler promoting Erdogan, Putin or Duerte.

And one of the only good ways to go across Mercer County if on a road bike without going all the way up to Penns Neck

Traffic backups for days one of the easiest ways to get back to Hamilton as well.

The loud music is an issue. How’s his support for some politician in another country an issue? Do you want a Brazilian to tell you whom to vote for? If not, then it’s not fair you tell a Brazilian whom to vote for.

I did everything online. This is all happening because I received a letter from Progressive asking me to add 2 other drivers to my policy that came up on some report they did. I had no idea who those people are so I called and told them that. They gave me no issues, asked no further questions about them but then they asked about people in my household.

I wouldn't be surprised. It was the same banner as the one displayed on that truck.

Oof, one of the worst intersections in Mercer co. I avoid it like that plague.

Huh. Montville is only a 30-35 minute drive away from here.. I wonder if it’s the same guy or if he pays for the truck or something. They could both be part of some kind of pro-Bolsonaro group, too. (I’m probably reading into it too much tho).

It’s just strange seeing that type of thing around here in our deep-blue northern cities. Especially since Newark & Elizabeth both have a decent sized Brazilian population. Hell, even Trump supporters have enough sense to know not to drive through here with their goofy-ass flags. :-)

Honestly the states on fire, literally and figuratively, at all times, but that’s okay, because at least I don’t have florida on my plate tbh, rampant fraud, lawsuits, hurricanes, flooding, and terrible oversight. It’s not even a political thing, like Louisiana deals with all the same issues and doesn’t have a collapsed insurance market. I’m surprised more insurers aren’t leaving or tightening guidelines to push people to E&S markets. Around hurricane Ian and in the wake of it a wave of insurers left the state.

Franklin corner/bakers basin in Lawrenceville.

I’m too short. My sun visor rarely works for me

Its not about coverage for a passenger. Its about having another driver who has ready access to your vehicle.

Your insurance company gets you may loan your dumbass friend your car for a few hours. They don't want the guy with 2 DUI's and 3 accidents saying 'I don't have a car' riding on his wife's spotless insurance.

No problem, my sympathies for you dealing with California.

Its been a long time since i have had roommates, but i do have a spouse, and know people with driving age kids.

Your insurance company is within their right to say "these people have regular access to your car, they either need their own policy, or be under yours" Usually this comes up only with young or new drivers, or as i mentioned above, you are in your 20s living with rando roommates on a cheap policy.

There SHOULD be an option to have a rider that explicitly excludes them from coverage. The gotcha with that is, if you want to let them borrow your car for a day, you are now not covered, and also committed a crime, if something happened, unless you want to charge them with stealing your car. That could be as simple as they were doing you a favor and moving it from one side of the street to the other, and hit something.

I'm going to assume if everyone isn't really young, something one of the parties involved did was big enough to flag you with your insurance company on an address search, in which case, you should be very cautious about loaning them your car. Likewise if they got flagged in an address search, well, someone is using your address.

Edit: just re-read your post, and the reason you PROBABLY got flagged was your BF's parents own the home so came up in an address search. So don't want to accuse anyone of anything. You SHOULD be able to tell your insurance company they have their own policies, and be good to go (they may want proof). Again, i'm going to guess you are under a cheap policy that takes no chances, or are new to the insurance company or a new driver.

If your company still won't take that, i'd start shopping around, but ultimately its up to your insurance company if they want to insure you (outside some protected stuff) and are free to refuse your business.

TLDR; someone probably has something bad on their abstract.

I am a licensed agent, with experience in underwriting, state compliance, worked as a claim adjuster and now I supervise complaints to the state DOBI and our compliance record.

If they say you must add them if they have regular access to your car, this sounds like an underwriting guideline (like a rule) the carrier has, it was already approved by the state and no complaint will change that. Now it might not make sense to you or me, but if they have it, that’s it.

From a reasonable underwriting standpoint: If they maintain own insurance, they do not need to be added to your policy as they already have primary coverage and Progressive should not demand you pay primary coverage on someone whom already has it. If they do, while a weird choice, you have to do it or get other insurance.

For instance your boyfriend. Does he have his own insurance? If so, he doesn’t need to be added. If he is covered under his parents’ policy, who you said do not live with you, he may not actually be “covered.” Some carriers require covered drivers to live at the same address, with some exceptions like college or deployment and this MIGHT be why they are requiring you to add him.

Regarding the PIP, his policy covers him in your car. NJ PIP coverage follows the insured from their own policy, if they have one. It’s not extended from the person’s car they sit inside.

Depending on your age there might be other carriers that offer you better rates. This subreddit has tons of posts about insurance companies like GEICO, USAA, NJM, Liberty Mutual, etc.

Post on r/Insurance for more input but make sure you include the state in your post as different states have different rules.

Better yet, if you can't drive with traffic, stay home

There's some wealthy piece of shit living in Montville near the dunkin donuts that has bolsonaro stickers on his car.

My bad, I default assumed it was just the nj doi, I work for an insurer but I handle our southwest region, never interacted with the nj dobi directly or came across that. Most of the doi-s I’ve worked with are simply named like cdi, California department of insurance. Good to know though thank you.