Raiderrobert

Didn't read through the comments very thoroughly, but I saw someone mentioned that companies use counter offers to get employees to stay around just long enough for them to find the replacement and then fire them.

It sounds silly. It sounds paranoid. It sounds like something out of a cheap novel. But I have done research for an executive recruiter for over two years as a side job, and the statistic he quotes me is this: "Within 6 months the person who accepts a counter-offer is gone."

The reasons are many for why that is. It's not always the sleaze bag just trying to buy uninterrupted productivity. Often, the person is like the original writer said: absolutely miserable.

Regardless never accept counter offers. Ever.

While the costs may go down and people's premiums will likely go down commensurately, accidents will still happen. So most people will carry insurance for that purpose. And besides, do you really think the insurance companies are going to let the state governments make casualty car insurance not required? Or do you think the car loan companies will really drop requiring comprehensive coverage as a requirement? I think not.

I'm not a lawyer yet, but from the little research I did the answer is: it depends.

Relevant links: http://www.nossaman.com/catching-waiver http://michaelreiterlaw.wordpress.com/2011/07/29/waiver-of-c...

Hopefully that helps.