Forum Discussion
willald
Oct 14, 2013Explorer II
SolidAxleDurango wrote:
I love when people bring "insurance won't cover it!" Into the conversation.... Those people are very gullible. OR they don't have enough sense to ask probing questions to get to the true story.
If an insurance company didn't have to pay out a claim if the negligent party was breaking a law, then liability insurance would not exist. Period.
In EVERY accident, someone breaks the law. Further, there is no such thing as an "accident" in the general terms in which that phrase is used. Instead, that person who caused the wreck should be deemed, "unintentionally acting in an unlawful and negligent manner".
Chew on that for a while.
Exactly, SolidAxle. The URBAN MYTH about insurance not having to pay in an auto accident if you are not in compliance with a DOT law, is one of those ridiculous myths that just will not die.
Really irks me how certain people just insist on propagating that myth over and over when this subject comes up, no matter how many times it gets refuted and shown to be complete nonsense.
..Makes me wonder how many folks on here do little more than regurgitate what they read somewhere else on an internet forum, without thinking it through some or having any realistic, real world experience to back up what they say.
All that said, and back to the original question: As already said, when it comes to DOT, safety laws, you do have to comply with whatever state you're traveling in, not your home state. I would also agree, like already has been suggested, that the chances of you ever getting cited for such probably range somewhere between slim and none.
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