How many people here drive/have driven without insurance?

[Ronstang]

I used to drive my motorcycles uninsured all the time, back when I actually rode them, because LIABILITY insurance for a motorcycle is completely out of whack if you have any tickets at all. I was not going to pay $600/yr for liability on a motorcycle. I had a deal with my agent. He would give me a backdated insurance card anytime I got a ticket on one of my bikes if I would purchase 6 months of insurance. It is not likely you will be using liability insurance on a motorcycle unless you are an idiot so it worked out well.

 

[Raduque]

Originally posted by: Lonyo

Originally posted by: Raduque
Insurance is a government-mandated scam. I fully believe we are in need of insurance reform. Insurance should not be required by law, it should be optional, and it should ONLY cover your vehicle and vehicle's occupants. If you get into an accident and don't have insurance, you pay out of pocket to fix your car, or you drive a wrecked vehicle. It should also be illegal for an insurance company to raise your premium by the huge percentages they do, or drop you, for a single claim.

Down with insurance laws! Up with reform and optionality!


edit: PS, I do have insurance.

So....
Who pays for damage to other peoples property when it's your fault? And by property, I don't mean just their car.
If you can't pay out of pocket to fix other peoples stuff, they are the ones who get screwed, not you. By making you have insurance, they are covered. Most basic insurance policies cover 3rd party. That means NOT you.

If you don't mean their car, then property is defined as.........?

 

[Smartazz]

Originally posted by: Atheus
Wasn't a legal requirement where I grew up, and why should it be? If someone crashes and they don't have insurance, then they just pay out of their pocket, who cares?

I heard it was because of the risk of being sued by the driver you hit.

 

[allisolm]

If you don't mean their car, then property is defined as.........?
That fence you just mowed down, the living room you just went through when your car left the road, the notebook computer that was destroyed in the car you hit, the luggage that went up in flames when the fuel line ruptured on the car you t-boned.

 

[SilthDraeth]

I drove for a bit with no insurance or license, when I got my first car, I was in washington and lived in arizona, so I drove from washington down to AZ, and around for a year, before I got my license and insurance. Then the next day I got pulled over, after getting both.

 

[JulesMaximus]

You have to show proof of insurance to register your car in CA. I'm sure that's easy to fake though. That said, I have insurance on both our cars. There's no way I'd go without.

 

[iamwiz82]

Originally posted by: JulesMaximus
You have to show proof of insurance to register your car in CA. I'm sure that's easy to fake though. That said, I have insurance on both our cars. There's no way I'd go without.

Many people buy insurance for the day, register the car, and then cancel the policy.

 

[wasssup]

I'd never do that. No point taking a risk like that imho...

 

[PAB]

I had insurance on both cars since day one, when I got my civic - I didn't even register it and wound up driving it for two years on a 30 day temporary dealer reassingment with a valid plate not registered to the car and no insurance.

(FWIW, if I did crash into something, since it was a dealer reassignment I could always say "I just bought it" and the automatic 14 days would kick in)

 

[DrPizza]

Originally posted by: Raduque
Insurance is a government-mandated scam. I fully believe we are in need of insurance reform. Insurance should not be required by law, it should be optional, and it should ONLY cover your vehicle and vehicle's occupants. If you get into an accident and don't have insurance, you pay out of pocket to fix your car, or you drive a wrecked vehicle. It should also be illegal for an insurance company to raise your premium by the huge percentages they do, or drop you, for a single claim.

Down with insurance laws! Up with reform and optionality!


edit: PS, I do have insurance.

Uhhh, you do realize you're being an idiot? You are NOT legally required to carry insurance to protect your own car. If you have a loan, your bank will require you to insure the car, and they'll have a lien on the car. If you own your car, you're free to have no insurance protecting the car. What you ARE required to have, however, is liability insurance that pays for MY car when YOU crash into it. Anything less in our society would be idiotic - most people aren't capable of paying "out of the pocket" for repairs to someone else's car, someone else's health care, and someone else's other property.

 

[DrPizza]

Originally posted by: iamwiz82

Originally posted by: JulesMaximus
You have to show proof of insurance to register your car in CA. I'm sure that's easy to fake though. That said, I have insurance on both our cars. There's no way I'd go without.

Many people buy insurance for the day, register the car, and then cancel the policy.

That wouldn't fly in NY... DMV keeps track of who has insurance and who doesn't... if you cancel your policy, the insurer is legally required to notify the DMV. DMV will send you a friendly little letter. However, you can probably get away with it for 30 or 40 days. But, then, you're automatically fined on a per day basis once they do catch up with you. Additionally, if you don't immediately surrender your plates (or reinstate your insurance AND pay the fine), you lose your license. Driving w/o insurance in NY is not a minor issue... they treat it on par with DWI.

 

[chambersc]

Originally posted by: Raduque
Insurance is a government-mandated scam. I fully believe we are in need of insurance reform. Insurance should not be required by law, it should be optional, and it should ONLY cover your vehicle and vehicle's occupants. If you get into an accident and don't have insurance, you pay out of pocket to fix your car, or you drive a wrecked vehicle. It should also be illegal for an insurance company to raise your premium by the huge percentages they do, or drop you, for a single claim.

Down with insurance laws! Up with reform and optionality!


edit: PS, I do have insurance.

What's my impetus for not getting some beater car and hitting cars at random?

 

[Lonyo]

Originally posted by: Raduque

Originally posted by: Lonyo

Originally posted by: Raduque
Insurance is a government-mandated scam. I fully believe we are in need of insurance reform. Insurance should not be required by law, it should be optional, and it should ONLY cover your vehicle and vehicle's occupants. If you get into an accident and don't have insurance, you pay out of pocket to fix your car, or you drive a wrecked vehicle. It should also be illegal for an insurance company to raise your premium by the huge percentages they do, or drop you, for a single claim.

Down with insurance laws! Up with reform and optionality!


edit: PS, I do have insurance.

So....
Who pays for damage to other peoples property when it's your fault? And by property, I don't mean just their car.
If you can't pay out of pocket to fix other peoples stuff, they are the ones who get screwed, not you. By making you have insurance, they are covered. Most basic insurance policies cover 3rd party. That means NOT you.

If you don't mean their car, then property is defined as.........?

Crashing into the person themself, hitting a bike, ramming someones house, or a shop. Damage to public property.
Car accidents don't only happen with 1 car hitting another car. 1 car can hit any number of things owned by other people. Generally 3rd party covers other peoples stuff, not other peoples cars.

 

[Raduque]

Originally posted by: allisolm
If you don't mean their car, then property is defined as.........?
That fence you just mowed down, the living room you just went through when your car left the road, the notebook computer that was destroyed in the car you hit, the luggage that went up in flames when the fuel line ruptured on the car you t-boned.

Lets see, fence/living room covered by their homeowner's insurance, notebook/luggage covered by their automotive insurance. If they don't have any, that's their problem, not mine.

That goes for the rest of you above me, too.

And yea, it's selfish, but so what?

 

[GregGreen]

I am apparently too nerdy -- I read the topic and began to wonder what I was missing since I didn't know about HDD insurance....

 

[Uhtrinity]

Never driven without and never will. However I had a head on with an 18yo driver with no insurance (his fault), my insurance covered my vehicle. Last I heard he had been charged / had to do some time, and is in collections for about $15k for damages. Reason enough for me to keep insurance.

 

[Regs]

Originally posted by: Atheus
Wasn't a legal requirement where I grew up, and why should it be? If someone crashes and they don't have insurance, then they just pay out of their pocket, who cares?

How about illegal immigrants or even ones on visa?
How about teenagers who go to school and don't make or have a dime in assets to give you?
If you got injured and you didn't have medical insurance, who do you think is going to pay for your treatment?

It will be like asking money from a corpse.

 

[KrillBee]

one thing that bothers me about insurrance companies is that if there is even a 1 day gap where you dont have a policy, your rates go up significantly on your next premium.
i can imagine that some people may have driven without insurrance during that gap, but there are good people who dont drive while they are uninsured, and who dont deserve the premium spike.


btw: in minnesota, supposedly 1/6 drivers are uninsured. eeks!

 

[Ophir]

Originally posted by: Raduque

Originally posted by: allisolm
If you don't mean their car, then property is defined as.........?
That fence you just mowed down, the living room you just went through when your car left the road, the notebook computer that was destroyed in the car you hit, the luggage that went up in flames when the fuel line ruptured on the car you t-boned.

Lets see, fence/living room covered by their homeowner's insurance, notebook/luggage covered by their automotive insurance. If they don't have any, that's their problem, not mine.

That goes for the rest of you above me, too.

And yea, it's selfish, but so what?

It's also stupid.

 

[Buck Armstrong]

I've driven drunk, but never without insurance. That would just be stupid.

 

[ViviTheMage]

I have allways had insurance... bad idea to not!

 

[JEDI]

Originally posted by: DainBramaged
I've *always* had at least bare minimum insurance on my car, but I was talking to this guy the other day and he said that he hasn't had insurance for three years. He photoshops Geico insurance cards in case he gets pulled over. I was shocked. He seemed like a fairly decent guy. Just made me wonder how many seemingly responsible people don't have it.

whoever doesnt have any insurance:

hands revolver
hands 1 bullet
spin the barrel and have fun

 

[JEDI]

Originally posted by: brtspears2
I drove my new car for a day uninsured. Most likely my current carrier would have covered it, but that is the biggest risk I have taken.

i called my current carrier 1st b4 buying the car. gave him VIN # and everything.

 

[JEDI]

Originally posted by: RossMAN

Originally posted by: brtspears2
I drove my new car for a day uninsured. Most likely my current carrier would have covered it, but that is the biggest risk I have taken.

Yep you're automatically covered for 30 days, so you would have been fine if something happened.

depends on carrier and state laws?

SR22 filing? whats that?

 

[RossMAN]

Originally posted by: JEDI

Originally posted by: RossMAN

Originally posted by: brtspears2
I drove my new car for a day uninsured. Most likely my current carrier would have covered it, but that is the biggest risk I have taken.

Yep you're automatically covered for 30 days, so you would have been fine if something happened.

depends on carrier and state laws?

SR22 filing? whats that?

http://www.carinsurance.com/kb/content10194.aspx