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Smart Shopper Questions About Auto Insurance & Accidents
4421 messages, Last post on Dec 04, 2009 at 1:26 PM
You are in the Smart Shopper Forum. Your Hosts are kirstie_h & tidester
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Replying to: marsha7 (Nov 28, 2008 2:02 pm) 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. |
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| 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... | |
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Replying to: steve_ (Dec 01, 2008 11:20 am)
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Replying to: houdini1 (Dec 01, 2008 1:14 pm) Morally, yes. Legally, no. Driving w/o insurance, though very stupid and wrong, is not a criminal offense.
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Replying to: mikefm58 (Dec 01, 2008 7:19 pm) Yanks with a DUI have been turned back by Canadian Customs so maybe being caught driving without financial responsibility will some day be a crime also on the Socialist agenda down here. |
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Replying to: mikefm58 (Dec 01, 2008 7:19 pm) Minn. Man Jailed for Driving without Insurance Beaten to Death by Inmate Ex-NFL Player McCants, Driving without Insurance, Jailed in Alabama It's hard to tell if those two were jailed just for not being able to show proof of insurance. Steve, just a visiting host |
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Replying to: steve_ (Dec 01, 2008 10:34 pm)
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Replying to: euphonium (Dec 02, 2008 11:28 am) I have no role in the industry and never did. I just hang out here waiting for Bob/Marsha7 to tell me when it's ok to drop collision on my 10 year old minivan that's now worth maybe $2,500. 
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Replying to: steve_ (Dec 02, 2008 11:39 am) I suspect you're past the point. So am I with my 98 LeSabre that's worth $3000. |
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Replying to: steve_ (Dec 02, 2008 11:39 am) Salvage value after crash is $750 you get this (could be more) Premium for collision is 50 you get to keep due to no ins. Deductible for collision 100 you get to keep due to no ins. Your money totals $900 so your are really only risking $1,600 w/o insurance. The above example is just that. You can work out your own using your real $ amounts. After dropping collision, make sure you have UMPD coverage and then drive more defensively & safely than before. I am. 
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