wrote:
> 1.Why do I have to pay seperate liability for each car, when all i
can
> do is wreck one at a time? Anyone have one good reason other than
> insurance companies making more money?

If you're talking about liability, it doesn't matter whether you wreck
your own car or not. You could with car #1 wreck someone else's car in
the morning and with car #2 wreck someone else's car in the evening.
Another possibility is that you could lend your cars to other people
and they could actually wreck simultaneously.

>
> 2. And why doesn't my insurance go down even though the value of my
car
> goes down?

Because you are not insuring your equity in the car. You are assuring
against liability caused by your car. A POS car can generate just as
much liability as a top of the line model. If anything your rates
should go up because your brakes, etc are getting older.