uninsured moterist rant

Bumpyroad wrote:

CavemanCharlie wrote:


I have a fiend who is a woman that was driving her boyfriends truck.

I bet she wasn't all that bad. :)
bumpy

:B I flunked spelling in high school. And, sometimes one word is close enough spelled like another that spell check misses it.

CavemanCharlie wrote:


I have a fiend who is a woman that was driving her boyfriends truck.

I bet she wasn't all that bad. :)
bumpy

MN also has a law requiring you to pay for Uninsured / Underisured insurance. It only cost me about 20 bucks a year to have that on my vehicles.

I have a fiend who is a woman that was driving her boyfriends truck. They were young and to keep expenses low the truck was in his dads name and his dad had the insurance on it. A few days before she was driving the boyfriend had gotten into a argument with his dad and without his knowledge his dad had dropped the insurance. She got pulled over and got a ticket for driving without insurance. On her boyfriends truck, that he didn't know was uninsured. The reason I tell this story is just to let you all know that sometimes things can go wrong beyond your control.

4x4van wrote:
Yup, it is a problem, and doesn't seem to be getting any better. My son was hit by a driver who actually had insurance, but was the cheapest, fly-by-night insurance available, that refused to admit fault (even though the police report was crystal clear), and used every trick in the book to delay paying anything. We had to pay the deductible ($500) and let our insurance fight the good fight. Took more than 2 years, but eventually we were reimbursed. More often than not, that never happens.

Hard times? B--ls--t. Part of the cost of owning/driving a vehicle is the cost of insurance, no different than the car payment or the price of gas. If you can't afford at least the minimum insurance, then you can't afford the car. Period. That's life, bucko; suck it up.

For every "hard times" story, there are 10 stories of those same people taking advantage of the system and costing the rest of us our hard earned money. Sorry, I have exactly 0 sympathy for them. I just got finished buying new license plates for my motorhome; they "walked off" during the night; the plate AND the newly installed renewal sticker.:M

In our state of MI our plate would be 1300 a year. I just pay for two months at a time when using the MH. Saves 600 a year and I have the temporary inside taped to the rear window in bedroom.

If they don't have insurance they should be forced to work and pay for your damage.

fj12ryder wrote:

Lantley wrote:
While I'm not condoning driving without insurance. $500.00 is not a lot of money in today's world.
If your daughter was involved in an automobile accident and the worst of it was a $500.00 bill consider yourself lucky.
The outcome could have been much worse.
Since it's not about the money would you have posted your story if the bill were $100.00?
You say it is about fair play? One concept I try to instill in my kids is that life is not always fair.
The definition of fair of is sort of like beauty, It is in the eye of the beholder.
Where we draw the fair line can be very questionable at times.
In the end be grateful your DD was not hurt.
Money can be earned and easily replaced,organs and body parts are often not replaceable.
While you feel your daughter was treated unfairly consider there are lots of people permanently in rehab hospitals,clinics and wheel chairs that were not as fortunate as your daughter.

I don't mean to insult anyone, but I hope I never get this complacent.

I'm sorry, but to me $500 is still a fair amount of money to have removed from my pocket due to an irresponsible person. That is about 10 days worth of camping. $5 is a small amount, $500 is not.

And the idea of just saying "Stuff happens" when you're are treated badly is a poor example to set for children. Just because it could have been worse is no reason to brush the whole thing off. A true victim mentality.

I'm more of a realist. I don't see myself as a victim. I have accepted the reality that we will never get 100% insurance compliance.
I do believe we can do better than we are but,our government is so inefficient and broke on so many levels that I don't believe we can ever legislate a real solution.
Any possible solution will apply to future cases and not the OP's situation here and now.
The OP's daughter was involved in an accident with an uninsured motorist... nothing shocking there...There are countless uninsured motorist out there. Just in this thread there are accounts of uninsured drivers that are relatives of forum members.
As an individual citizen I don't have the time or energy to lead the crusade against the uninsured. I thought we elected and paid people to make laws for our society and find solutions to keep uninsured people off the road.
The reality is our system is not working so well. Uninsured drivers continue to cause issues and the insured motorist continue to pick up the tab. Far from perfect but this is the reality we face.
I already know the system is unable to deal with uninsured motorist.
If I were really concerned I would pressure my legislature and insurance commissions to change the rules.
But honestly I not willing or patient enough to deal with the bureaucracy involved
Rather than rant and rave about the cost of the accident. I prefer to look on the bright side and be thankful no one was hurt.
At the end of it all its only the cost of your deductible which is a sum we have already agreed to spend in case of an accident.
I understand the system is broken , but more importantly I understand accidents can happen.
I also understand many are maimed and killed in accidents. So when faced with the consequences of an accident, I prefer to focus on the fact that no one was hurt.
There are plenty of lawyers, claim adjusters and judges available to sort out the monetary details which will always be secondary to good health.

ADUS wrote:
Europe is always 30 years ahead of our idiot policy producers.
Tag numbers are permanently tied to you.
Your tags and insurance are paid at the same company, let your insurance lapse and you get your plates repossessed in a day, pay big fines to get them back.
Don't get issued another plate either.

I could support this.

ksg5000 wrote:
Been there - done that. My wife had illegal immigrants run a red light - destroyed her car and broke her front teeth. What really put salt in the wound was when his passengers filed a lawsuit and the insurance company elected to pay because it was economically convenient. Fired Geico the next day and changed insurance companies - no guarantee that next insurance co won't do the same thing but it's a matter of basic ethics. Won't reward an insurance company for doing the wrong thing. Driving without insurance s/b a criminal offense.

Same thing with one of my trucks years ago, but I forced our carrier to fight the suit. We won thank goodness - I could not see someone being rewarded for neglient driving on their part. Guess they thought a truck fleet was easy pickings.

In Kansas your required to have insurance as well as uninsured motorist vehicle insurance. Driving is a privilege not a right. Some people have become very proficient at scamming the system.

You will never get the laws changed so, If you can't beat em join em. Put all you assets in your daughter's name, drop your Insurance coverages, and enjoy the good life.