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

[janstey58]

No insurance, no tags, no driver license, these idiots need to get their cars impounded until they satisfy all of these, and get a hefty fine too.

[3oaks]

Tyler0215 wrote:
People with no insurance have nothing to lose. Impound their car and they just get another beater. Confiscate the license, and they drive without a license. Confiscate the plates, and they get , or steal another set.
Go after them in small claims court, and they have nothing. You can't seize welfare or food stamps.

You got it!

"No insurance, no registration or plates" is meaningless in todays culture. :M

[RGar974417]

The other bad thing is in Pa, they only need $5,000 in liability to get insurance in Pa. So we not only have to pay for uninsured but under insured.That minimum needs to be about 10 times higher.

[Bumpyroad]

Isn't it only liability insurance that is required by the state?
and a low amount at that $10,000 or so. In some states IA for example you can "self insure". just show that you have that $10,000 in the bank and you are "covered".
bumpy

[ksg5000]

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.

[Grit_dog]

tunaguy wrote:
You guys really want to get upset, watch Live PD on A/E on Friday and Saturday nights 6 pm until 9 pm Pacific time. 99 percent of the people pulled over have no license nor insurance. Cops do very little if anything. It is crazy that the honest ones keep paying and nothing is done to the ones that don't. LOE keep saying if that is all you have done you are good to go.

Jeff

Because they can.....I got arrested once for a warrant for a "no proof of insurance" ticket from a traffic stop years prior. Ended up being a clerical error by the county that cost me $250 and a morning in jail, lol. I provided proof directly, the next day. New policy, hadn't gotten cards yet was the issue.
Anyway, point was, it took 3 years before they "caught" me. It would have only cost $500 if I was guilty and I should have been "caught" sooner as I'd been pulled over for speeding several times in those 3 years with no repercussions about the past insurance thing.
Not much of an incentive for the law breaker to comply....

[Grit_dog]

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.

[tunaguy]

You guys really want to get upset, watch Live PD on A/E on Friday and Saturday nights 6 pm until 9 pm Pacific time. 99 percent of the people pulled over have no license nor insurance. Cops do very little if anything. It is crazy that the honest ones keep paying and nothing is done to the ones that don't. LOE keep saying if that is all you have done you are good to go.

Jeff

[discovery4us]

I would not be responsible for the deductible in a no fault accident with my policy. I also have uninsured and hit and rum coverage which would cover the deductible. I might be wrong but I think CA requires all policies to include uninsured coverage.

Same here with the no insurance = no registration sticker. Not having the sticker doesn't keep the car from starting so while it keeps a few off the road there are still plenty uninsured/unregistered running the roads.

[colliehauler]

Tyler0215 wrote:
People with no insurance have nothing to lose. Impound their car and they just get another beater. Confiscate the license, and they drive without a license. Confiscate the plates, and they get , or steal another set.
Go after them in small claims court, and they have nothing. You can't seize welfare or food stamps.

Sadly, I have to admit you're right. Despite all the laws people still circumvent it.

[colliehauler]

SidecarFlip wrote:
In this state, no insurance = no registration sticker.

Same with KS, you have to show your insurance card to get a tag. If your insurance expires they are supposed to come and get your license tag.

[1320Fastback]

SidecarFlip wrote:
In this state, no insurance = no registration sticker.

In my state they just steal your registration sticker when your not looking.

[Cummins12V98]

SidecarFlip wrote:
500 bucks is a lot less than my deductible. I'm at twice that. Uninsured / underinsured have varying deductibles. 500 isn't bad today.

The deductible is completely your choice. It's all about what you are willing to pay in premiums.

[DrewE]

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.

Liability insurance is actually covering both the vehicle and the insured, in most cases. Primary coverage follows the vehicle--in other words, any authorized driver of the vehicle (anyone with permission or presumed permission to drive it, assuming they aren't specifically excluded by the policy) is covered first by the vehicle's policy. However, the person with the coverage also has secondary coverage for any vehicle they drive, should there for instance be no insurance on the vehicle--it's a rental and insurance overage was declined, perhaps--or should the liability exceed the vehicle's insurance limits.

Insurance companies do have multiple vehicle discounts partly because they aren't likely to be driven simultaneously.

[wa8yxm]

Two things.
First if she has collision on her car and the other driver is at fault then her insurance should waive the deductable. She needs to talk to her agent about this.

2nd Many (I do not know about all) States have what is called an Uninsured Motorist Fund (At least in Michigan) which is intended to cover this kind of thing.

Finally. if the other driver has any thing of value.. Call Auto Accidents R Us Law Firm.