[ARCHIVED THREAD] - Uninsured Drivers (Page 1 of 2)
Posted: 3/31/2016 5:07:42 PM EDT
|
This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone?  |
|
Quoted:
This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone? I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. |
| My wife's car got hammered by an uninsured driver. The damage was 6k. And I was out my deductable. I don't have any sympathy for uninsured drivers. I got fucked and he walked. The officer ticketed him and towed his truck. My insurance company tried to go after him for the cost and got nothing. |
|
Quoted: My wife's car got hammered by an uninsured driver. The damage was 6k. And I was out my deductable. I don't have any sympathy for uninsured drivers. I got fucked and he walked. The officer ticketed him and towed his truck. My insurance company tried to go after him for the cost and got nothing. I am expecting to be out my deductible after pulling up the guy on facebook, not to mention the carfax report that hurts resale value on my truck  |
|
Quoted: I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. Quoted: Quoted: This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone? I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. I was not implying that at all, frankly he was polite, apologetic, and wanted to do the right thing. I can't fault the man for wanting to make things right, but we have these laws for a reason. Why should I be forced to pay my deductible which I might never see again, and be out the inconvenience, for nothing at all? |
|
Quoted:
I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. Quoted:
Quoted:
This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone? I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. No law says you have to even have insurance. You only have to prove you can pay for your screwup. Those that don't have proof should have theirs cars impounded and sold. Driving is a privilege. If you dont have the mony for that privilege you need to take a bus. I am tired of the "hey man things are tough I can't afford it". Not saying a uninsured person is scum but I also don't want to be fucked over by one. |
|
Quoted:
No law says you have to even have insurance. You only have to prove you can pay for your screwup. Those that don't have proof should have theirs cars impounded and sold. Driving is a privilege. If you dont have the mony for that privilege you need to take a bus. I am tired of the "hey man things are tough I can't afford it". Not saying a uninsured person is scum but I also don't want to be fucked over by one. Quoted:
Quoted:
Quoted:
This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone? I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. No law says you have to even have insurance. You only have to prove you can pay for your screwup. Those that don't have proof should have theirs cars impounded and sold. Driving is a privilege. If you dont have the mony for that privilege you need to take a bus. I am tired of the "hey man things are tough I can't afford it". Not saying a uninsured person is scum but I also don't want to be fucked over by one. Eh. Sort of. If no insurance, there has to be a surety bond, self insurance (25 vehicles or more), or a $55,000 deposit with your county judge or with a comptroller (I don't know if that's a state or county comptroller). |
|
Quoted:
Eh. Sort of. If no insurance, there has to be a surety bond, self insurance (25 vehicles or more), or a $55,000 deposit with your county judge or with a comptroller (I don't know if that's a state or county comptroller). Quoted:
Quoted:
Quoted:
Quoted:
This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone? I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. No law says you have to even have insurance. You only have to prove you can pay for your screwup. Those that don't have proof should have theirs cars impounded and sold. Driving is a privilege. If you dont have the mony for that privilege you need to take a bus. I am tired of the "hey man things are tough I can't afford it". Not saying a uninsured person is scum but I also don't want to be fucked over by one. Eh. Sort of. If no insurance, there has to be a surety bond, self insurance (25 vehicles or more), or a $55,000 deposit with your county judge or with a comptroller (I don't know if that's a state or county comptroller). Exactley.... Only proof you can pay for your fuck up.. 99% use insurance for the proof. |
|
Quoted: This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone? Towing in that instance is department specific. We don't do it either. Cite, release. It CAN be done but in general we dont tow simply for no insurance. Always carry uninsured/underinsured motorist riders on your vehicles folks! |
|
Quoted:
I was not implying that at all, frankly he was polite, apologetic, and wanted to do the right thing. I can't fault the man for wanting to make things right, but we have these laws for a reason. Why should I be forced to pay my deductible which I might never see again, and be out the inconvenience, for nothing at all? Quoted:
Quoted:
Quoted:
This morning I was rear ended by an uninsured driver on my way to work. Other than having to deal with the headache of my insurance company, I was floored that the police just issue a ticket and not tow the car. Is this standard SOP so they can rear end someone else while paying attention to their phone? I've had cops tell me they *can* tow my car if I didn't have insurance. I've gotten no insurance tickets before when i was much younger. Never towed my car, was always hit with the threat though. Those were rough times. Not everyone uninsured are scum. That mentality irritates me. Not implying you're like that, just stating it. Insurance is one of those iffy topics to me. On one hand, uh don't like it because us so expensive. I never get in wrecks or *need* my insurance except for when i get pulled over for whatever. So, i cam go years, investing thousands of dollars into insurance, and get nothing it of it. Then when i need it, the company will be dicks, give me all kinds of hassle, look for anyone reasons to get out of paying, etc etc. Then, you have the affect on certain people's mentality. "Fuck it, i have full coverage" or "fuck that guy, he can hit me, i got insurance". I see it taking responsibility away from the drivers. I think there should only be liability insurance. And medical for injuries. I'll try to explain what i mean. Say you drive like an asshole, and hit someone. You have liability, you're at fault. You have to fix your own car, insurance fixes the other guys. Say is a legit accident, both parties insurance works together to fix the other's car. If someone gets injured, the medical portion kicks in. If you're still at fault, you gotta fix your car. I feel having insurance like this will make drivers pay attention more. Be more cautious. Having full coverage kinda removes caution. "I'm covered" is a bad mentality. I see insurance today being corrupt as fuck. But the law requires me to have it, so i keep the cheapest liability i can. I drive am older car, it'll get totaled no matter what. So screw full coverage. I was not implying that at all, frankly he was polite, apologetic, and wanted to do the right thing. I can't fault the man for wanting to make things right, but we have these laws for a reason. Why should I be forced to pay my deductible which I might never see again, and be out the inconvenience, for nothing at all? Just wait. He will change his mind. |
|
Quoted:
Hell here in Lubbock you get arrested and they tow you vehicle for no insurance. Also arrested for expired inspection and registration with the tow. Not sure why when none of those are felonies. Really? I find that hard to believe, put in jail for expired registration? |
| Very easy to find out just look at the arrest records here in Lubbock. Here is the site Click through enough you will see arrested for no insurance or no inspection. |
|
Quoted:
I don't know how people get around no insurance because the need of it to register your car every year. They go to the scumbag bottom feeding $30 a month insurance places like Fred Loya, pay for one month go get their registration and then let the insurance get cancelled for non-payment for the 2nd month. They should make people prove they have had insurance the past 12 months before renewal or pay a fine of $60 a month for each uncovered month. That would eliminate the uninsured pretty quickly as it would be cheaper to pay the insurance than the fines. The one possible problem is that I am pretty sure that those rip-off insurance companies make money off that one month knowing it is unlikely they will have to pay any claims... Collect that one month and pay no claims leaves a pretty good profit margin. They'd have to raise the price over $30 a month if they actually had to pay claims. |
|
Quoted:
My wife's car got hammered by an uninsured driver. The damage was 6k. And I was out my deductable. I don't have any sympathy for uninsured drivers. I got fucked and he walked. The officer ticketed him and towed his truck. My insurance company tried to go after him for the cost and got nothing. Last year my classic Corvette was hit by an uninsured driver and totalled. I was out my deductible and what my insurance company paid me was not nearly what I had in the car nor did it cover the whole cost of the car I bought to replace it. And despite what they say about uninsured motorist claims not affecting your insurance... my rate got jacked up quite a bit even with no at fault accidents or any tickets. FWIW, the guy that hit me lied and told the deputy at the scene he had insurance, and he had a card that said he did... but he was cancelled after the first of the 6 months on the card for non-payment. Scumbag. |
|
Quoted:
Dallas instituted this policy years ago and quickly abandoned it for obvious reasons. Quoted:
Quoted:
I've had cops tell me they *can* tow my car if I didn't have insurance. Dallas instituted this policy years ago and quickly abandoned it for obvious reasons. If a driver is undocumented (no license) and has no insurance the police ought to be able to tow the vehicle and auction it, and the proceeds should be split between them and a fund to help pay people hit by uninsured motorists. |
| When I was 22, I bought insurance after pricing at many places. A month later I get a bill for $750.00 (more than the original down payment on a 6 month policy), threatening cancellation if I did not pay within 6 days. I had given my driving record to the agent, who I won't name here. He still has an office with his name on it in Lewisville. I doubt that would happen these days with the tech available to prevent such a thing from happening. I raised hell in his office, just about got myself arrested. I wound up paying more for insurance than I did for my car payment for several years. I guess the insurance companies didn't trust 22 year olds with V8 engines. Shocker. |
|
Quoted:
Last year my classic Corvette was hit by an uninsured driver and totalled. I was out my deductible and what my insurance company paid me was not nearly what I had in the car nor did it cover the whole cost of the car I bought to replace it. And despite what they say about uninsured motorist claims not affecting your insurance... my rate got jacked up quite a bit even with no at fault accidents or any tickets. FWIW, the guy that hit me lied and told the deputy at the scene he had insurance, and he had a card that said he did... but he was cancelled after the first of the 6 months on the card for non-payment. Scumbag. Quoted:
Quoted:
My wife's car got hammered by an uninsured driver. The damage was 6k. And I was out my deductable. I don't have any sympathy for uninsured drivers. I got fucked and he walked. The officer ticketed him and towed his truck. My insurance company tried to go after him for the cost and got nothing. Last year my classic Corvette was hit by an uninsured driver and totalled. I was out my deductible and what my insurance company paid me was not nearly what I had in the car nor did it cover the whole cost of the car I bought to replace it. And despite what they say about uninsured motorist claims not affecting your insurance... my rate got jacked up quite a bit even with no at fault accidents or any tickets. FWIW, the guy that hit me lied and told the deputy at the scene he had insurance, and he had a card that said he did... but he was cancelled after the first of the 6 months on the card for non-payment. Scumbag. ALL claims have the potential to affect your rates. Not all claims will result in a surcharge added to your policy but come time for renewal the insurance company will look at your entire claim history. Too many claims within a certain period and/or of a certain kind and they will deem you to be a higher risk and your rates will reflect that. I learned this the hard way years ago and since then I haven't made any claims unless absolutely necessary. |
|
Quoted:
They buy low budget cheapo liability policy where they pay by the month, and after registration completed, cancel or don't pay the insurance. Quoted:
Quoted:
I don't know how people get around no insurance because the need of it to register your car every year. They buy low budget cheapo liability policy where they pay by the month, and after registration completed, cancel or don't pay the insurance. Fred Loya |
|
Quoted:
Fred Loya Quoted:
Quoted:
Quoted:
I don't know how people get around no insurance because the need of it to register your car every year. They buy low budget cheapo liability policy where they pay by the month, and after registration completed, cancel or don't pay the insurance. Fred Loya Called Fraud Liar by those in the industry. This company has the highest complaints in Texas yet the Texas Insurance Commission won't do anything about it. When it comes to auto accidents, the system is broken. |
|
Quoted:
Fred Loya Quoted:
Quoted:
Quoted:
I don't know how people get around no insurance because the need of it to register your car every year. They buy low budget cheapo liability policy where they pay by the month, and after registration completed, cancel or don't pay the insurance. Fred Loya Even if their insureds have current coverage those a-holes don't pay claims unless you sue them. They are the worst... |
|
Quoted:
They buy low budget cheapo liability policy where they pay by the month, and after registration completed, cancel or don't pay the insurance. Quoted:
Quoted:
I don't know how people get around no insurance because the need of it to register your car every year. They buy low budget cheapo liability policy where they pay by the month, and after registration completed, cancel or don't pay the insurance. This, My buddy ownes one of these bottom feeder companies. He is getting rich 
|
|
Quoted:
Even if their insureds have current coverage those a-holes don't pay claims unless you sue them. They are the worst... Quoted:
Quoted:
Quoted:
Quoted:
I don't know how people get around no insurance because the need of it to register your car every year. They buy low budget cheapo liability policy where they pay by the month, and after registration completed, cancel or don't pay the insurance. Fred Loya Even if their insureds have current coverage those a-holes don't pay claims unless you sue them. They are the worst... Another reason to have full coverage. I just make a claim through my insurance then let them go after the other person and/or company. Sucks to have to do it that way but it beats having to deal with crappy insurance companies. |
| Depends on department policy. I believe most just cite and release. We don't tow because it just takes too much time waiting for the tow truck to arrive. Plus, a FMFR(No Insurance) citation is expensive! Ours is $418.00 for the first time. The second time is $899.00. |
|
Quoted:
Very easy to find out just look at the arrest records here in Lubbock. Here is the site Click through enough you will see arrested for no insurance or no inspection. Those are warrants for not showing up to their court date for the ticket they received previously. |
| wife car got totaled last year by a red light runner. COp didnt check if insurance was valid of course the friend of the real owner was driving and the policy had been canceled a month prior for no pay. Their car was damaged but not as bad i was out the deductible and my rates when up of course so we got screwed as usual and nothing happened to them. |
|
I was rear ended by a no insurance, expired paper plates on the used POS vehicle last year. When I tried to get the officer to impound the vehicle, the bluntly stated they would not have it towed because the city would likely get stuck with the towing and storage. He let the FSA drive off. When I went to get a police report, they claimed the vehicle was not registered to the drive .
I ended up having the bumper repaired myself, because it was less than my $500 deductible and it kept it from showing up as a claim on the insurance. I think if you have an accident or a traffic stop and do not have valid insurance, it should be a mandatory impound and the driver needs to spend the night in jail |
|
I am a board certified personal injury attorney practicing in Amarillo. Have practiced for 20 years and the vast majority of my experience is with auto accidents. I have seen and handled thousands of them. It is my belief based on what I have seen that roughly 20% of all drivers on Texas roads are uninsured....one in five....Most will never suffer in any significant way for their decision not to carry insurance and are essentially judgement proof. A smaller percentage of people, due to the relatively small number of serious third party caused accidents are Under Insured.
In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Your insurance agent is a fuck head if he isn't recommending these coverages to you. Oh, and by the way.....agents don't push these coverages for a reason. Many companies base an agents compensation on how many claims they generate, type of claim etc...so they will try and sell you bare bones if they can in many cases. Don't let them tell you you have "full coverage"....that really is a MEANINGLESS phrase, full coverage can be construed as the "full coverage required by law".....Get a copy of your Declarations Page and make sure that you are getting/paying for UM and PIP...... A REALLY GOOD agent, looking out for you, will recommend these coverages. PSA over. |
|
Quoted:
I am a board certified personal injury attorney practicing in Amarillo. Have practiced for 20 years and the vast majority of my experience is with auto accidents. I have seen and handled thousands of them. It is my belief based on what I have seen that roughly 20% of all drivers on Texas roads are uninsured....one in five....Most will never suffer in any significant way for their decision not to carry insurance and are essentially judgement proof. A smaller percentage of people, due to the relatively small number of serious third party caused accidents are Under Insured. In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Your insurance agent is a fuck head if he isn't recommending these coverages to you. Oh, and by the way.....agents don't push these coverages for a reason. Many companies base an agents compensation on how many claims they generate, type of claim etc...so they will try and sell you bare bones if they can in many cases. Don't let them tell you you have "full coverage"....that really is a MEANINGLESS phrase, full coverage can be construed as the "full coverage required by law".....Get a copy of your Declarations Page and make sure that you are getting/paying for UM and PIP...... A REALLY GOOD agent, looking out for you, will recommend these coverages. PSA over. What do you mean by they are judgement proof? |
|
Quoted:
What do you mean by they are judgement proof? Quoted:
Quoted:
I am a board certified personal injury attorney practicing in Amarillo. Have practiced for 20 years and the vast majority of my experience is with auto accidents. I have seen and handled thousands of them. It is my belief based on what I have seen that roughly 20% of all drivers on Texas roads are uninsured....one in five....Most will never suffer in any significant way for their decision not to carry insurance and are essentially judgement proof. A smaller percentage of people, due to the relatively small number of serious third party caused accidents are Under Insured. In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Your insurance agent is a fuck head if he isn't recommending these coverages to you. Oh, and by the way.....agents don't push these coverages for a reason. Many companies base an agents compensation on how many claims they generate, type of claim etc...so they will try and sell you bare bones if they can in many cases. Don't let them tell you you have "full coverage"....that really is a MEANINGLESS phrase, full coverage can be construed as the "full coverage required by law".....Get a copy of your Declarations Page and make sure that you are getting/paying for UM and PIP...... A REALLY GOOD agent, looking out for you, will recommend these coverages. PSA over. What do you mean by they are judgement proof? I'm assuming that they have no assets or can easily file bankruptcy protection. |
|
Insurance is for suckers.
No habla No license - no problem http://www.lafamiliainsurance.com/blog/no-license-no-problem-online-texas-auto-insurance.aspx |
| Several years ago I was involved in an accident with an uninsured motorist who was also DWI. There was another car involved, a minivan rented by a family in down on vacation. After it was determined that the POS was uninsured, the rental car company tried suing me for the damages to the minivan. |
|
Quoted:
I'm assuming that they have no assets or can easily file bankruptcy protection. Quoted:
Quoted:
Quoted:
I am a board certified personal injury attorney practicing in Amarillo. Have practiced for 20 years and the vast majority of my experience is with auto accidents. I have seen and handled thousands of them. It is my belief based on what I have seen that roughly 20% of all drivers on Texas roads are uninsured....one in five....Most will never suffer in any significant way for their decision not to carry insurance and are essentially judgement proof. A smaller percentage of people, due to the relatively small number of serious third party caused accidents are Under Insured. In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Your insurance agent is a fuck head if he isn't recommending these coverages to you. Oh, and by the way.....agents don't push these coverages for a reason. Many companies base an agents compensation on how many claims they generate, type of claim etc...so they will try and sell you bare bones if they can in many cases. Don't let them tell you you have "full coverage"....that really is a MEANINGLESS phrase, full coverage can be construed as the "full coverage required by law".....Get a copy of your Declarations Page and make sure that you are getting/paying for UM and PIP...... A REALLY GOOD agent, looking out for you, will recommend these coverages. PSA over. What do you mean by they are judgement proof? I'm assuming that they have no assets or can easily file bankruptcy protection. They don't have a pot to piss in, or a window to throw it out of. The way Texas laws are written, you don't have garnishment, like you do in other states. So, if you get a judgement against some low life scum bag who thinks he is too good to carry insurance, the courts won't enforce it. Another thing I have a problem with. Say you get hit by some low life without insurance. Some of them sign up for 6 months of insurance, pay one month, and then stop paying. They hit you. They show the cops the insurance card. The cops look at you and say, "He's got insurance, here's the information.'' You go to call their insurance company, and find out it's been cancelled for 3 months. Will there be anything done about it? Hell no. Can you file on your uninsured motorist rider? Sure... Will your rates go up? Sure... |
|
Quoted:
In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Absolutely this. The Texas state minimum insurance guidelines are a joke ($30k), and if you're involved in anything with any sort of injuries, will burn through that almost instantly. However, I'd argue that those numbers might be low, after being involved in fairly major accident that ended up with lawyer involvement and subsequent subrogation against that money. $100k getting whacked up 3-4 ways sucked bad, knowing I'm now getting yearly MRI's and 2 years of blood work and meds at my hematologist, PT, etc., so what was "left over" for me to use was not much and was used up quickly. If you don't think you'll ever be involved in a lawsuit, the $100k would probably be more than sufficient, but you'd want to consider if you were involved in something this major to warrant your UM/PIP coverage, chances are there might be a lawyer involved so adjust accordingly. |
|
Quoted:
What do you mean by they are judgement proof? Quoted:
Quoted:
I am a board certified personal injury attorney practicing in Amarillo. Have practiced for 20 years and the vast majority of my experience is with auto accidents. I have seen and handled thousands of them. It is my belief based on what I have seen that roughly 20% of all drivers on Texas roads are uninsured....one in five....Most will never suffer in any significant way for their decision not to carry insurance and are essentially judgement proof. A smaller percentage of people, due to the relatively small number of serious third party caused accidents are Under Insured. In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Your insurance agent is a fuck head if he isn't recommending these coverages to you. Oh, and by the way.....agents don't push these coverages for a reason. Many companies base an agents compensation on how many claims they generate, type of claim etc...so they will try and sell you bare bones if they can in many cases. Don't let them tell you you have "full coverage"....that really is a MEANINGLESS phrase, full coverage can be construed as the "full coverage required by law".....Get a copy of your Declarations Page and make sure that you are getting/paying for UM and PIP...... A REALLY GOOD agent, looking out for you, will recommend these coverages. PSA over. What do you mean by they are judgement proof? You can spend all the money you want to sue them, a jury can award you everything you ask for deciding they are a shitty human being. You will never COLLECT a dime of it. We have no garnishment of wages here. You cannot touch their IRA/401K etc.....Their home is off limits (assuming homestead, and they ALWAYS are) they can exempt large amounts of personal property including two firearms, a flock of chickens, a horse, tools of trade, etc...-long time since I looked but it's a LONG LIST of property. Basically, goes back to Law School 101- don't sue poor people. If they can't pay insurance, what makes you think they have anything you can get from them? |
|
Quoted:
Absolutely this. The Texas state minimum insurance guidelines are a joke ($30k), and if you're involved in anything with any sort of injuries, will burn through that almost instantly. However, I'd argue that those numbers might be low, after being involved in fairly major accident that ended up with lawyer involvement and subsequent subrogation against that money. $100k getting whacked up 3-4 ways sucked bad, knowing I'm now getting yearly MRI's and 2 years of blood work and meds at my hematologist, PT, etc., so what was "left over" for me to use was not much and was used up quickly. If you don't think you'll ever be involved in a lawsuit, the $100k would probably be more than sufficient, but you'd want to consider if you were involved in something this major to warrant your UM/PIP coverage, chances are there might be a lawyer involved so adjust accordingly. Quoted:
Quoted:
In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Absolutely this. The Texas state minimum insurance guidelines are a joke ($30k), and if you're involved in anything with any sort of injuries, will burn through that almost instantly. However, I'd argue that those numbers might be low, after being involved in fairly major accident that ended up with lawyer involvement and subsequent subrogation against that money. $100k getting whacked up 3-4 ways sucked bad, knowing I'm now getting yearly MRI's and 2 years of blood work and meds at my hematologist, PT, etc., so what was "left over" for me to use was not much and was used up quickly. If you don't think you'll ever be involved in a lawsuit, the $100k would probably be more than sufficient, but you'd want to consider if you were involved in something this major to warrant your UM/PIP coverage, chances are there might be a lawyer involved so adjust accordingly. Personally, I carry a $1,000,000 Umbrella Policy. Umbrella is cheap- likelihood it will ever pay out is low, so it's cheap.....but if you ever need it....You NEED IT. Worth it to me. But, catastrophic accidents are fairly rare.....everyone has to decide for themselves..... |
|
Quoted:
Personally, I carry a $1,000,000 Umbrella Policy. Umbrella is cheap- likelihood it will ever pay out is low, so it's cheap.....but if you ever need it....You NEED IT. Worth it to me. But, catastrophic accidents are fairly rare.....everyone has to decide for themselves..... Quoted:
Quoted:
Quoted:
In other words, you are a damn fool if you don't have uninsured motorists coverage AND Personal Injury Protection Coverage. Carry at least 100k in UM and $10k in PIP. Pip is FREE MONEY that is available to EVERY PERSON IN YOUR CAR EVEN IF YOU ARE AT FAULT. Pip is a very inexpensive add on to your liability coverage, get it, use it. Absolutely this. The Texas state minimum insurance guidelines are a joke ($30k), and if you're involved in anything with any sort of injuries, will burn through that almost instantly. However, I'd argue that those numbers might be low, after being involved in fairly major accident that ended up with lawyer involvement and subsequent subrogation against that money. $100k getting whacked up 3-4 ways sucked bad, knowing I'm now getting yearly MRI's and 2 years of blood work and meds at my hematologist, PT, etc., so what was "left over" for me to use was not much and was used up quickly. If you don't think you'll ever be involved in a lawsuit, the $100k would probably be more than sufficient, but you'd want to consider if you were involved in something this major to warrant your UM/PIP coverage, chances are there might be a lawyer involved so adjust accordingly. Personally, I carry a $1,000,000 Umbrella Policy. Umbrella is cheap- likelihood it will ever pay out is low, so it's cheap.....but if you ever need it....You NEED IT. Worth it to me. But, catastrophic accidents are fairly rare.....everyone has to decide for themselves..... I have never understood why the avg person doesn't understand why the state min will not cover what they really need. The cost of a new vehicle you hit today can be very high. Just think about how many times you see an exotic car that is worth more then the house you live in. For those that say it's rare to hit something like that just think how many times you see a 18 wheeler a day. If your at fault for one of those getting total you will be screwed with state min. If you total my ford pickup your state min policy will not cover the cost. The umbrella is very cheap insurance to have. |
|
Quoted:
I have never understood why the avg person doesn't understand why the state min will not cover what they really need. The cost of a new vehicle you hit today can be very high. Just think about how many times you see an exotic car that is worth more then the house you live in. For those that say it's rare to hit something like that just think how many times you see a 18 wheeler a day. If your at fault for one of those getting total you will be screwed with state min. If you total my ford pickup your state min policy will not cover the cost. The umbrella is very cheap insurance to have. Well, let me explain to you how it was explained to me as for why the Min was set the way it was..... One of our State Reps is a mover and shaker on the Insurance Committee....So I button holed him about that one day- Before it was raised to $30k- which was maybe 10 years ago now, it was $25k....at the time Oklahoma limits were $15k......fortunately when in Texas they were bumped up to our limits....The fact that is hasn't been raised again while med expenses climb is another problem..... all more than you really need to know or want to I'm sure....... Anyway, so I ask the State Rep, "Hey, I have lots of clients that are getting hit by people and the at fault insurance isn't enough to cover their bills" He says, "Well, we understand that, but the other part of the calculation is, if we raise the amount, rates go up, if rates go up- more people don't buy ANY insurance at all....So, we have tried to find a "sweet spot" where the money is enough to cover MOST accidents and MOST people can still afford to and will buy it". Sucks, but it makes sense..... Which again is why you must protect YOURSELF, ain't nobody else going to do it. I have a case right now going where an 18 Wheeler had a wreck. Their policy is a $500k Combined Single Limit. Normally, you think $500k is a pretty good chunk of change. I had several clients hurt in this wreck, none life threatening but one guy is hurt moderately. Problem....is that BEFORE he hit my clients' vehicle he hit the median divider, destroyed his load AND then hit a concrete truck.....Yea, new concrete truck is $250k and comes out of the 500K.....cut in half before we even got started. Then he had to pay for the load he destroyed....another 100k gone.....then the damages to the median barrier......the pie gets pretty small at some point..... |
|
Quoted:
Personally, I carry a $1,000,000 Umbrella Policy. Umbrella is cheap- likelihood it will ever pay out is low, so it's cheap.....but if you ever need it....You NEED IT. Worth it to me. But, catastrophic accidents are fairly rare.....everyone has to decide for themselves..... I worked in Allstate's Actuarial/R&D department, writing software for a few years. Without exception, every single actuary said exactly the same thing as you - best/cheapest thing you can do to safeguard yourself, insurance-wise. |
|
This thread is still rolling I see. Insurance is a necessary evil. The same company that I felt boinked/pissed me off as a young driver of 17, saved my ass as a middle aged man, several times over.
The technology is available to spot and run license plates within view of police cars (per cops I speak to from time to time). I think that tech should be used to the hilt for more than just insurance. Mighty leftist, or so I have been told. |
|
Quoted:
This thread is still rolling I see. Insurance is a necessary evil. The same company that I felt boinked/pissed me off as a young driver of 17, saved my ass as a middle aged man, several times over. The technology is available to spot and run license plates within view of police cars (per cops I speak to from time to time). I think that tech should be used to the hilt for more than just insurance. Mighty leftist, or so I have been told. It is. |
|
Quoted:
I was rear ended by a no insurance, expired paper plates on the used POS vehicle last year. When I tried to get the officer to impound the vehicle, the bluntly stated they would not have it towed because the city would likely get stuck with the towing and storage. He let the FSA drive off. When I went to get a police report, they claimed the vehicle was not registered to the drive .
I ended up having the bumper repaired myself, because it was less than my $500 deductible and it kept it from showing up as a claim on the insurance. I think if you have an accident or a traffic stop and do not have valid insurance, it should be a mandatory impound and the driver needs to spend the night in jail If the cops won't take the car,I think you should have been able to leave with the other drivers car, and hold it until they paid, or been able to claim an abandon car title. |
|
Quoted:
I was rear ended by a no insurance, expired paper plates on the used POS vehicle last year. When I tried to get the officer to impound the vehicle, the bluntly stated they would not have it towed because the city would likely get stuck with the towing and storage. He let the FSA drive off. When I went to get a police report, they claimed the vehicle was not registered to the drive .
I ended up having the bumper repaired myself, because it was less than my $500 deductible and it kept it from showing up as a claim on the insurance. I think if you have an accident or a traffic stop and do not have valid insurance, it should be a mandatory impound and the driver needs to spend the night in jail I agree completely... especially if it is out of registration and inspection... It should be forfeit. Auction it to pay at least the deductible for the person the POS hit. |
|
Quoted:
They don't have a pot to piss in, or a window to throw it out of. The way Texas laws are written, you don't have garnishment, like you do in other states. So, if you get a judgement against some low life scum bag who thinks he is too good to carry insurance, the courts won't enforce it. Another thing I have a problem with. Say you get hit by some low life without insurance. Some of them sign up for 6 months of insurance, pay one month, and then stop paying. They hit you. They show the cops the insurance card. The cops look at you and say, "He's got insurance, here's the information.'' You go to call their insurance company, and find out it's been cancelled for 3 months. Will there be anything done about it? Hell no. Can you file on your uninsured motorist rider? Sure... Will your rates go up? Sure... This +1 Exactly what happened to me. Scumbag who hit me signed up for a 6 month policy and paid one month, got the insurance card and then never paid. The deputy at the scene never ran his insurance because his card showed unexpired, but he had been cancelled for non-payment. Upon advice from another TCSO deputy that is a friend of mine I took a copy of the letter along with a cover letter requesting that the scumbag be ticketed for uninsured now, making a point that the guy lied right to the deputy's face when he said he had insurance. I don't know if they ever found and ticketed the guy, but my friend told me that they can do that if they want. I was going to sue the guy to try to get my deductible back, but my insurance company has already turned him over to a collection agency and they will give me my deductible back if they can recover the loss from him. |