uninsured moterist rant

[winnietrey]

DD's car was creamed by an uninsured driver. Good news she was not hurt.
Bad news, other driver had no insurance. So end of the day, will end up costing the DD about 500 bucks. Thing is she is a single MOM works hard.

In my opinion I see very little difference between this an a robbery, on the part of the uninsured driver. That driver will never pay a dime, and just skate

Yep, I know all about small claims court, and also letting the INS co trying to collect. Other two DD's are attorneys. Thing is you can take them to small claims win, but the court will not enforce the judgment. So in real terms it is meaningless

End of the day this is not an end of the world thing, and putting in prospective is a very small deal But still kind of PO's me

[RGar974417]

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

[Lantley]

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.

[cross21114]

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.

[cross21114]

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.

[colliehauler]

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.

[1968mooney]

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.

[fj12ryder]

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.

[Lantley]

winnietrey wrote:
OP here, It is not about the money, it is about, a sense of fair play. Why does someone get to violate the law, cause injury and monetary harm to another party and then just skate.


Another poster a few pages back, commented folks without insurance may not be deadbeats, but have fallen on hard times. I get that, and am sympathetic to a point.

So will this gal, who hit my DD, take any responsibility nope. Not her fault you know, she needed that big screen TV, and that trip to Vegas. All much more important that paying that pesky insurance bill, and thinking about others.

That is my beef and opinion,

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.

[Y-Guy]

In this day of technology and rapid communication there is no excuse for the State to allow this. If they are going to mandate it then the need to go after it and the person should be forced to pay or put in prison until they have. Maybe that's extreme but having been hit twice by drunks, one with out insurance, its how I feel.

I did the small claims court years ago. I stuck to the guy like clue. He would quit his job, they would tell me so, then rehire him and try not to pay me. I sent documents every week so they couldn't play the game. They and he finally gave up and I started to get small checks. I stayed on that guy for 5 years got back every penny, the money didn't matter to me as much as making him pay for being an idiot drunk driver, for not having insurance and for trying to dodge paying me back.

[Jarlaxle]

beemerphile1 wrote:
Been there, my insurance company went after the driver in court and apparently succeeded because they refunded my deductible about nine months later.

When my wife got hit, they never even knew the other driver's name.

[4x4van]

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

[Grit_dog]

While I have sympathy for those less fortunate, unfortunately that is probably a 1 in 1000 especially if it comes to insurance.
Besides, the excuse of fallen on hard times, save for some sort of trauma, is a real weak excuse as of late. Period. The majority of our country is in a good economic position and plenty of areas are absolutely through the roof right now.
I know of plenty of lazy MFers that wouldn’t get out of bed to pay an insurance bill. Or any other bill for that fact. One thing they have plenty of is excuses and govt assistance though!
Until we can win more of the game against liberals, we’ll keep on paying for those “less fortunate.”
In my industry, drug tests are cheap. And you have to pass them to work, of course. Simple drug test required to collect any sort of public assistance or aide would go a long ways towards curbing the problem and would actually end up in less govt expenditure on assistance. $25 failed drug test nets the state $300 that they would have given out in assistance. Bingo. They made $275 on that transaction.

[winnietrey]

OP here, It is not about the money, it is about, a sense of fair play. Why does someone get to violate the law, cause injury and monetary harm to another party and then just skate.


Another poster a few pages back, commented folks without insurance may not be deadbeats, but have fallen on hard times. I get that, and am sympathetic to a point.

So will this gal, who hit my DD, take any responsibility nope. Not her fault you know, she needed that big screen TV, and that trip to Vegas. All much more important that paying that pesky insurance bill, and thinking about others.

That is my beef and opinion,

[wnjj]

Grit dog wrote:

Lynnmor wrote:
The idea of putting the liability portion of insurance on the vehicle policy is crazy in my opinion. If someone has three cars, why should he pay three times as much when he can only drive one at a time? If the liability insurance were on the drivers license, then it could be pulled in the event of no insurance or money owed. In the case being discussed, the flunky would lose his license till the thing is settled, and if he were to drive without a license it would be jail time.

We don't always have the same opinion Lynn, but I agree 1000% with this.
Maybe a better mousetrap to force compliance?
FWIW, in my ripe old age of 45now, I think auto insurance is actually pretty reasonably priced. Just changed carriers here this week for the first time in 10+ years and for 2- SRT 8 Chargers, 1 new, 1 old, the 07 dodge, camper, old Jeep and a relatively expensive boat, plus a $1M umbrella, we are right around $200/month.
The 3 main vehicles only are about $100/month total.
BUT, I saved about $400 a year by opting out of the underinsured liability and personal injury coverages. They were effectively doubling up on coverage already in place.

To the OP, I get it. deadbeats S UCK!
My sister sound more like Dutchmans daughter and it is aggravating to support those who continue to willfully make mistakes. She would be the uninsured that hits you and walks away leaving her $500 pos car there to rot and moves on with life like she didn't do anything wrong.

While I tend to agree too, it causes its own issues. Not all those holding a drivers license drive or even own a car. Without a car, there’s no liability. As someone pointed out, there are multi car discounts. We also have low mileage discounts on a couple of vehicles. Perhaps some insurance with the vehicle and some with the driver?

[MFL]

irishtom29 wrote:
What’s a DD?

A large size bra, or dear daughter.

Jerry