“Try my Troll House cookies!”

Since: May 10

Location hidden

#21 Jan 21, 2013
grandma wrote:
Last June our car was hit in a parking lot. Private property. We limped to Ford paid the $500.00 deductable and got it fixed. Our insurance co. is still trying to get the insurance of the other car to pay! It was clearly the other drivers fault and the cop wrote it up that way. Atleast our co. paid for our car to be repaired. Sure could use that $500.00 though.
The point I was headed for is that sometimes you end up paying even when you have insurance, and then wait for it to come back.
it will eventually lead to a civil suit between you, your insurance company, and the people that caused the accident...then when it does..you petition for "bad faith" and that is where they get hit in the insurance companys pocket book for being defiant...

“AccountKiller”

Since: Jan 10

Location hidden

#22 Jan 21, 2013
In NC your insurance is tied into a vehicles registration/plates. If you don't keep insurance the cars registration/plates are revoked. To get them back you have to provide proof of new insurance to be able to get new registration/plates on the car.

Simple yet effective and I don't understand why every state does not do this.

“Try my Troll House cookies!”

Since: May 10

Location hidden

#23 Jan 21, 2013
MRay wrote:
In NC your insurance is tied into a vehicles registration/plates. If you don't keep insurance the cars registration/plates are revoked. To get them back you have to provide proof of new insurance to be able to get new registration/plates on the car.
Simple yet effective and I don't understand why every state does not do this.
there are just enough people that whine that their civil rights are being violated because big brother keeps snooping...those people have just enough sound to cause the "bump" needed to prevent such a measure..
Brian

Edwardsville, IL

#24 Jan 21, 2013
MRay wrote:
In NC your insurance is tied into a vehicles registration/plates. If you don't keep insurance the cars registration/plates are revoked. To get them back you have to provide proof of new insurance to be able to get new registration/plates on the car.
Simple yet effective and I don't understand why every state does not do this.
Often what happens is people buy one month of insurance and head to prove that they are now insured. It seems as if its pretty easy to get around the system here.

“AccountKiller”

Since: Jan 10

Location hidden

#25 Jan 21, 2013
Brian wrote:
<quoted text>Often what happens is people buy one month of insurance and head to prove that they are now insured. It seems as if its pretty easy to get around the system here.
That's exactly what they do in IL. Here the insurance company notifies the DMV if you drop coverage or even change companies. I don't mind it at all. At least I know I am covered if someone hits me.

Funny this thread came up. Two weeks ago my daughter was stopped in rush hour traffic on 485(NC version of 270) and the lady behind decided not to stop and slammed her at about 45 mph. Totaled her Jeep Liberty Sport I just purchased for a Graduation gift and to get her back and forth to collage which is 6 hrs one way.
justice

Overland Park, KS

#26 Jan 21, 2013
I know someone who was hurt very bad in an accident and the person she was with didn't have insurance and he wrecked and now he's gone but the she is alive but lives with serious injury. The girl was robber of getting anything because the driver didn't have insurance. That's a bad person.

“Try my Troll House cookies!”

Since: May 10

Location hidden

#27 Jan 21, 2013
MRay wrote:
<quoted text>
That's exactly what they do in IL. Here the insurance company notifies the DMV if you drop coverage or even change companies. I don't mind it at all. At least I know I am covered if someone hits me.
Funny this thread came up. Two weeks ago my daughter was stopped in rush hour traffic on 485(NC version of 270) and the lady behind decided not to stop and slammed her at about 45 mph. Totaled her Jeep Liberty Sport I just purchased for a Graduation gift and to get her back and forth to collage which is 6 hrs one way.
i hope she is ok...
no idiot here

Granite City, IL

#28 Jan 21, 2013
the white power ranger wrote:
<quoted text>
i hope she is ok...
Me, too. Back in 2006 I got rear-ended by a taxicab driver who had finished his shift only minutes before; he was driving his personal vehicle when I got hit. The cop who answered the call told me he drove a taxi, which made me think right away he was uninsured. I asked him if he was, he said yes, and handed me the the phone number and name-State Farm-of his insurer. It took me nearly 30 days to find out he wasn't insured at all, and in the meantime he skips town while I'm waiting for info on this guy. He did get two tickets, and I presume he was issued a third when I notified the Granite Police about this. My car got totaled, but fortunately, I had a spare set of wheels. As for me, I sustained back injuries which I'll suffer from for the rest of my life, and that same accident has figured in my filing for disability. As best as I know, this POS is likely driving for another taxi company somewhere doing the same insurance dance. But I Sure As Shit haven't forgotten his name.
Uh Huh

Troy, IL

#29 Jan 21, 2013
no idiot here wrote:
<quoted text> Me, too. Back in 2006 I got rear-ended by a taxicab driver who had finished his shift only minutes before; he was driving his personal vehicle when I got hit. The cop who answered the call told me he drove a taxi, which made me think right away he was uninsured. I asked him if he was, he said yes, and handed me the the phone number and name-State Farm-of his insurer. It took me nearly 30 days to find out he wasn't insured at all, and in the meantime he skips town while I'm waiting for info on this guy. He did get two tickets, and I presume he was issued a third when I notified the Granite Police about this. My car got totaled, but fortunately, I had a spare set of wheels. As for me, I sustained back injuries which I'll suffer from for the rest of my life, and that same accident has figured in my filing for disability. As best as I know, this POS is likely driving for another taxi company somewhere doing the same insurance dance. But I Sure As Shit haven't forgotten his name.
That's so typical and disability is so hard to get, too.
Brian

Edwardsville, IL

#30 Jan 21, 2013
no idiot here wrote:
<quoted text> Me, too. Back in 2006 I got rear-ended by a taxicab driver who had finished his shift only minutes before; he was driving his personal vehicle when I got hit. The cop who answered the call told me he drove a taxi, which made me think right away he was uninsured. I asked him if he was, he said yes, and handed me the the phone number and name-State Farm-of his insurer. It took me nearly 30 days to find out he wasn't insured at all, and in the meantime he skips town while I'm waiting for info on this guy. He did get two tickets, and I presume he was issued a third when I notified the Granite Police about this. My car got totaled, but fortunately, I had a spare set of wheels. As for me, I sustained back injuries which I'll suffer from for the rest of my life, and that same accident has figured in my filing for disability. As best as I know, this POS is likely driving for another taxi company somewhere doing the same insurance dance. But I Sure As Shit haven't forgotten his name.
And here we see the problem. This guy hits you, the poloce do nothing, you are damaged for life, your property is destroyed and this guy goes scott free sans perhaps the relativly small fines for the tickets.
hmmmmm

Belleville, IL

#31 Jan 21, 2013
Brian wrote:
<quoted text>Exactly and yes I do myself. The thing is though once again we pay an additional fee, or tax if you may, to protect us from the ones that wont face up to their responsibilities. Carrying liability insurance should not need a law. Its a personal responsibility that all should meet.
By the way if I remeber correctly those that carry the minimum insurance under Illinois law provides 15,000 property damage and 20,000 per individual medical with 40,000 total per accident. Baseed upon these low values I personaly would advise everyone to carry under/uninsured motorists coverage because of those that wont
i do too. i also carry waaay above those monetary limits. if you dont carry above the limit, god forbid there is an accident, then you are responsible for whatever the insurance doesn't cover. a court judgement against you for those damages could ruin you financially.
Brian

Edwardsville, IL

#32 Jan 21, 2013
hmmmmm wrote:
<quoted text>
i do too. i also carry waaay above those monetary limits. if you dont carry above the limit, god forbid there is an accident, then you are responsible for whatever the insurance doesn't cover. a court judgement against you for those damages could ruin you financially.
I do too...but imgine one of the welfare set having an accident. They have nothing to get so they could care less about the problems that they cause to others.
Oh they talk a fine line about caring...but ask them to face their financial responsibilities on liability and then its a way different story

“Try my Troll House cookies!”

Since: May 10

Location hidden

#33 Jan 21, 2013
no idiot here wrote:
<quoted text> Me, too. Back in 2006 I got rear-ended by a taxicab driver who had finished his shift only minutes before; he was driving his personal vehicle when I got hit. The cop who answered the call told me he drove a taxi, which made me think right away he was uninsured. I asked him if he was, he said yes, and handed me the the phone number and name-State Farm-of his insurer. It took me nearly 30 days to find out he wasn't insured at all, and in the meantime he skips town while I'm waiting for info on this guy. He did get two tickets, and I presume he was issued a third when I notified the Granite Police about this. My car got totaled, but fortunately, I had a spare set of wheels. As for me, I sustained back injuries which I'll suffer from for the rest of my life, and that same accident has figured in my filing for disability. As best as I know, this POS is likely driving for another taxi company somewhere doing the same insurance dance. But I Sure As Shit haven't forgotten his name.
that totally sucks! i know crap like this happens a lot...

a vehicle is a great responsibility...i do not understand why people are not forced to understand this...

“Try my Troll House cookies!”

Since: May 10

Location hidden

#34 Jan 21, 2013
Brian wrote:
<quoted text>And here we see the problem. This guy hits you, the poloce do nothing, you are damaged for life, your property is destroyed and this guy goes scott free sans perhaps the relativly small fines for the tickets.
WHAT!!!!

the police set up the paperwork for court dates in such cases..

so blame the attorneys, the judges and the idiots that refuse to obey the laws..

what more further do you expect the police to do?

having no insurance (alone) is not an arrestable offense...
Brian

Edwardsville, IL

#35 Jan 21, 2013
the white power ranger wrote:
<quoted text>
WHAT!!!!
the police set up the paperwork for court dates in such cases..
so blame the attorneys, the judges and the idiots that refuse to obey the laws..
what more further do you expect the police to do?
having no insurance (alone) is not an arrestable offense...
HUH!!! Who do I blame? I blame the people that are too selfish to see to their financial burdens of driving in life.
The police, judges etc certainly have their place in this...but the blame is on the driver...not the law enforcement people.
Brian

Edwardsville, IL

#36 Jan 21, 2013
the white power ranger wrote:
<quoted text>
that totally sucks! i know crap like this happens a lot...
a vehicle is a great responsibility...i do not understand why people are not forced to understand this...
People are not forced because at the statehouse these people have "rights" and I am certain you can figure out the rest.
Without insurance their plates should be invalid as a possible issue, then criminal action taken.
Let me ask. How many do you propose be injured without the finances on the responsible person before something is done to stop the situation

Since: Apr 12

Location hidden

#37 Jan 21, 2013
Invalidate their plates and they'll probably steal valid plates every few days or whatever. These uninsured ashholes will probably find a way to work around any law.

“Try my Troll House cookies!”

Since: May 10

Location hidden

#38 Jan 22, 2013
Brian wrote:
<quoted text>HUH!!! Who do I blame? I blame the people that are too selfish to see to their financial burdens of driving in life.
The police, judges etc certainly have their place in this...but the blame is on the driver...not the law enforcement people.
ty for the clarification...

“Try my Troll House cookies!”

Since: May 10

Location hidden

#39 Jan 22, 2013
shlisten wrote:
Invalidate their plates and they'll probably steal valid plates every few days or whatever. These uninsured ashholes will probably find a way to work around any law.
or they would just borrow a friends car that has valid tags..

perhaps a database of repeat offenders could go up...lol

i know of one person that is a repeat offender and yet they drive a school bus..and apparently the school bus company does not check for current insurance..
Brian

Edwardsville, IL

#40 Jan 22, 2013
Sounds as if s far the Power rangers ignition lockout has the thumbs up on this one.
I wonder if thugh are the cars insured or are the drivers insured? Meaning if an uninsured driver uses my vehicle am I coverd? I should look into this because if there would be an accident involving my vehicle I am sure I would be liable just as i would be if using someone elses vehicle.
Questions questions

Tell me when this thread is updated:

Subscribe Now Add to my Tracker

Add your comments below

Characters left: 4000

Please note by submitting this form you acknowledge that you have read the Terms of Service and the comment you are posting is in compliance with such terms. Be polite. Inappropriate posts may be removed by the moderator. Send us your feedback.

East St. Louis Discussions

Title Updated Last By Comments
Want to see a real shack 45 min Reporter 2
us steel layoffs or closing down? 1 hr Just sayin 125
vito 1 hr tractor girl 1
*Keep a word - - Drop a word* (Aug '10) 3 hr Analog man 2,212
Donna Kay vandergriff 5 hr Bobby 2
marybeth walker 5 hr Bobby 55
auto repair 6 hr scooter the coote... 13
East St. Louis Dating
Find my Match
More from around the web

East St. Louis People Search

Addresses and phone numbers for FREE

Personal Finance

Mortgages [ See current mortgage rates ]

NFL Latest News

Updated 12:35 pm PST

Bleacher Report12:35PM
Who Benefits Most from Hiring of Gase?
Bleacher Report 5:14 PM
How Bears Can Make Most of Each Draft Pick
Bleacher Report12:00 AM
3 Mistakes the Chicago Bears Can't Afford to Make This Offseason
Yahoo! Sports 8:12 AM
The lure of LA for the NFL - mirage or 'must do'?
Bleacher Report 9:15 AM
Tillman Hints at Return to Bears with Tweet