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Got hit :( Driver had no insurance.

Discussion in 'Model S' started by AMPd, Nov 9, 2015.

  1. AMPd

    AMPd Active Member

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    KX7XmX8.jpg

    Luckily there was no paint damage, I was able to buff it all out with a microfiber towel.
    Ive never been involved in an accident before, this is my first time, wasn't sure what to do when the other driver informed me they had no insurance. They asked me how much it would cost to repair, I wanted to tell them the car is in fact totaled but I didn't as they probably would not have gotten the joke. They also offered to pay for a detail but since I had already buffed it out there was no need.

    Had there been any damage to the car I would have called the police, but since all of that rubbery residue came off we went our separate ways.
     
  2. msnow

    msnow Active Member

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    You have some rim rash too.
     
  3. MileHighMotoring

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    I'm all for standing by my fellow man, but someone driving around without insurance is a criminal and a menace to everyone else on the road. I would have had to think long and hard about letting that go.
     
  4. HankLloydRight

    HankLloydRight Fluxing

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    Yup. how long until they hit someone else with significant damage or personal injury? These people should not be driving at all.

    In addition, they raise the insurance rates for everyone else obeying the law.
     
  5. AMPd

    AMPd Active Member

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    that was there from a previous encounter with a curb.

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    I agree, but I was happy about there not being any damage that I went about my day.
     
  6. jerry33

    jerry33 S85 - VIN:P05130 - 3/2/13

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    With the recent change this should be no longer true, but not too long ago it was estimated that 25% of cars in Texas had no insurance. What happened was that you get plates for a year, but you only need to show that the insurance is current on the date you renew the plates. Some folks would purchase a week's worth of insurance.
     
  7. msnow

    msnow Active Member

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    Insurance "on demand" is a growing market.
     
  8. AMPd

    AMPd Active Member

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    iymRZ0v.jpg

    buffed right out!
     
  9. Krugerrand

    Krugerrand Active Member

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    Missed a spot.

    (Just kidding.)
     
  10. Vitold

    Vitold Member

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    Hopefully they will buy insurance with the money you saved them.
     
  11. kort677

    kort677 Active Member

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    insurance on demand? really?

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    in many states the car could have been impounded on the spot, at the least a summons would have been issued.
     
  12. mikeash

    mikeash Active Member

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    Here in Virginia, you can pay a $500 fee when registering the car and be legally exempt from the requirement to carry insurance. It's complete madness.
     
  13. slevit1md

    slevit1md Member

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    Considering that we all have to pay extra to cover for these idiot uninsured motorists, I would have been taking them to the bank, as much as possible. That, and trying to make sure they were no longer able to drive. You're a better man than me.
     
  14. bwa

    bwa Member

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    When I was born, there was no requirement for insurance in California. And I think we were better off.

    But then, with the aftereffects of WWII, communism and the baby boomer generation and traitorous profiteering as well as all sorts of other anti-citizen movements, we got Illegal Aliens (at that time from Mexico but really any detritus of people from anywhere would cause this problem). With them they brought a host of problems, including never getting insurance and causing a lot of very bad accidents. California sought to fix this, but the solution came from Iowa and the Communists from Sacramento, in the form of required insurance.

    I find that insurance on cars is a racket: to pay for insurance, you have to spend so much extra time at work, that you get so extra tired, that you have more accidents, which causes the insurance claims, which then allows insurers to raise insurance rates, then they profit immensely. My first auto accident happened precisely because I was paying insurance, and working a night job to pay for that insurance, and was too sleepy to drive safely. One of the essential ingredients to the insurance racket is law enforcement, which gives you a bunch of nonsense traffic violation tickets that cost immensely and make insurance go up immensely.

    I finally learned that for my physical well-being and the safety of all people in general, that it was absolutely paramount that I never get insurance, except when (a) absolutely necessary and (b) when I can afford it. As a result, my life has gone a lot, lot better. Driving has been safer, and I have been healthier, by far, with this policy.

    But, these things happen to all people. All people figured out the same thing as me. And before long, California was inundated with people circumventing the insurance racket. The racketeers needed a solution.

    So they came up with instant suspended registration and the SR-22 program. Now, cars will automatically become ticketable if they don't have current insurance, and can be towed to heaven (or hell) upon sight by any designated racketeering towing company. You loose your car completely, confiscated by the government, and you still owe for anything you paid for it. (There is a multi-thousand dollar buyout you can offer to get the car back, but that's rarely an available option.) The SR-22 program is the same thing with driver's licenses.

    Where the government taketh, the government taketh more; goto Where. (It's a loop of ever-building proportions.)


    That $500 racketeering payoff option in Virginia sounds like a wonderful pro-citizen mob tip of the hat. I'd take it in a heartbeat. I'd grumble, of course. Then, I'd go get insurance. But, whenever the insurance got too silly, I'd turn it off. Insurance needs competition, but if the government regulates it, then the competition gets stifled, and the effects of competition go away, and it turns into collusion. When the customer is the government instead of the people, then the people don't get the benefit of the product, but the government does. That's why in Virginia I bet insurance rates are (a) REALLY LOW and (b) good quality options for customers, and (c) the customers are the citizens, not the government.


    Let me guess:

    Insurance is a much better product in Virginia than everywhere else. It basically has to be, for the reasons I described above. That's the effect of not being required to carry it.
     
  15. MileHighMotoring

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    bwa - I disagree for one reason primarily: Causing an accident can cause so much in damages, both property and medical, that it would bankrupt even upper-middle class citizens. One mistake on the highway could wipe out several cars and put several people in the hospital, costing hundreds of thousands of dollars, if not millions. So not only is that an insurmountable mountain for the driver at fault, imagine if you were the victim in that situation and an insurance-less driver took away your car, and cost you $250,000 in medical bills, and they had no way to pay. If you want not to carry insurance, ride the bus or hire a driver. Driving is not a right, it carries responsibilities.

    The only reasonable thing to do is require, at a minimum, catastrophic loss insurance. A "worst case scenario" coverage that protects both people in such an event. I would rather people be required to carry a minimum level of insurance, than see families become indigent and homeless and bankrupt.

    To me, this is the utter definition of what the government can do to protect people from themselves. Not carrying insurance has side effects that resound and reverberate across many lives.
     
  16. Khatsalano

    Khatsalano Member

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    If someone tells me they don't have insurance, it doesn't matter. That's something that my insurance company is supposed to deal with, not me. I would have taken down information and filed a claim. Police report would be nice, but I'm not sure it's necessary. It doesn't matter if the other party is insured or not, especially if you're insured. Your insurance would always take care of your claim first, then, they would deal with the liability as it flows with the other party or their insurance (if they have it).

    - K
     
  17. Canuck

    Canuck Active Member

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    Seriously? The lack of the other guy having insurance is the fault of "Illegal Aliens" who are "detritus" people? Ouch.

    In BC, all motor vehicle insurance is run by the Provincial government - it's called: ICBC (Insurance Corporation of British Columbia). Third party liability insurance is mandatory and can only be obtained through ICBC -- no competition is allowed from private insurance companies (or anyone at all). You can only buy optional insurance from private insurance companies (comprehensive) but not liability insurance. We also have uninsured motorist protection so that if someone stole a vehicle, lets say, or was drunk and voided their insurance, and hits you, ICBC pays you under that coverage. (Very few people have no insurance since you will be pulled over quickly without a current tag.) Plus, we have no fault coverage for accidents that are our fault. You don't get nearly as much as in a tort claim against another driver when it's not your fault, especially for catastrophic injuries, but at least you get medical and wage-loss benefits.

    This must be your version of hell on earth when it comes to insurance.
     
  18. Tourman

    Tourman Member

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    sue them!
     
  19. JohnQ

    JohnQ Active Member

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    @bwa--I can't quite tell if you're serious or not with your post. At first I thought you weren't, but the length of the post tipped me over to thinking you are. If you aren't, then you need a tongue-in-cheek tag. If you are, then you need a tin foil hat tag. Communism?
     
  20. Zextraterrestrial

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    I thought we were more socialist but pushing towards communism?

    ..we have a lot of uninsured drivers around here.. I raised my insurance just because of the S and this fact, pretty much sucks
    lots of hit and runs, lots of crazy drivers.
     

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