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Questions About Auto Insurance & Accidents

4410 messages,  Last post on Nov 29, 2009 at 5:58 AM

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What is this discussion about? Buying Insurance


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#4146 of 4410
Re: If I have the facts [marsha7] by houdini1
Nov 30, 2008 (11:25 am)
Reply

Replying to: marsha7 (Nov 28, 2008 2:02 pm)

I agree with everything you say...if those were the facts and the intent. But as I recall, the person who was rear ended had no injuries and no damage to his car so I don't think our original poster was trying to shirk his responsibility. He was merely trying to figure out how to get his own damage repaired in the least costly manner. At least that was my understanding.
 
#4147 of 4410
Re: If I have the facts [marsha7] by paisan
Nov 30, 2008 (6:21 pm)
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Replying to: marsha7 (Nov 28, 2008 2:02 pm)

In some states no insurance or dwi or a few other offenses actually does make that person wrong, no matter ho would be in the wrong if they were not committing such infactions.
 
-mike
Subaru Guru and Track Instructor
#4148 of 4410
That does not by marsha7
Dec 01, 2008 (8:40 am)
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make sense...my failure to have insurance as the lead car does not alter your responsibility for rear-ending me...my lack of insurance in no way caused your negligence in failing to stop before striking my rear...that, to me, is common sense, but we all know that some state's laws have no common sense...
 
After all, their laws are usually written by...........................LAWYERS!!!!!
 
#4149 of 4410
Re: That does not [marsha7] by jwilliams2
Dec 01, 2008 (8:51 am)
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Replying to: marsha7 (Dec 01, 2008 8:40 am)

Wait a minute.....what about the "non-insured tractor beam" that sucks you into the non-insured car?
#4150 of 4410
jwilliams by marsha7
Dec 01, 2008 (10:49 am)
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Only a fool would beleive in a "non-insured tractor beam"...I cannot believe the silliness expressed by this poster...
 
Now, if you will excuse me, I will beam myself up to the courthouse where I will confer in high legal terms, incomprehensible to a layman like you, with Kirk, Spock, Picard and Data...
 
I will leave you now, at Warp Factor 7, as I have run seriously low on our supply of Di-Lithium Crystals...
#4151 of 4410
Re: jwilliams [marsha7] by steve_ HOST
Dec 01, 2008 (11:20 am)
Reply

Replying to: marsha7 (Dec 01, 2008 10:49 am)

If you drive around without insurance, couldn't the state say you can't avail yourself of the court system, so that you couldn't sue the at fault driver even though he smashed into your car? I guess the public policy implications of that are too big, but it would sure encourage more people to get car insurance.
 
Steve, just a visiting host
#4152 of 4410
Re: If I have the facts [marsha7] by euphonium
Dec 01, 2008 (11:35 am)
Reply

Replying to: marsha7 (Nov 28, 2008 2:02 pm)

The uninsured was advised by the at fault driver that he, the at fault driver, would not report the crash to the state if the uninsured paid for the damages to the at fault driver's car. The purpose was to help the uninsured keep his driving PRIVILEGE from being taken away by the state's Financial Responsibility Law which states, "Thou shall not be INVOLVED in a crash without insurance."
 
Determination of Fault, otherwise, is not the issue. It is not extortion either. It IS an opportunity for the uninsured to keep his license for the PRIVILEGE not deserved by being uninsured.
#4153 of 4410
euphonium by marsha7
Dec 01, 2008 (12:46 pm)
Reply
Please understand, I am NOT justifying driving w/o insurance...I think the uninsured driver should be "hanged from the neck until dead" (as they say in the old westerns with a hanging judge, not to be confused with a hanging chad)...anyone driving w/o insurance should be fined the maximum, in the hopes that they will NEVER consider doing that again...plus, as a plug, that is why all those who DO have insurance, always have U/M coverage, in case you ARE struck by the idiot who is uninsured...
#4154 of 4410
Re: jwilliams [steve_] by houdini1
Dec 01, 2008 (1:14 pm)
Reply

Replying to: steve_ (Dec 01, 2008 11:20 am)

I think I have read somewhere that your insurance is invalid and won't pay you a dime if your car is damaged while you are committing a crime. I think driving without insurance could be classified as breaking the law.
#4155 of 4410
Re: jwilliams [houdini1] by mikefm58
Dec 01, 2008 (7:19 pm)
Reply

Replying to: houdini1 (Dec 01, 2008 1:14 pm)

I think driving without insurance could be classified as breaking the law.
 
Morally, yes. Legally, no. Driving w/o insurance, though very stupid and wrong, is not a criminal offense.

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