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Nothing more frustrating than uninsured drivers

Posted on 3/3/17 at 7:39 pm
Posted by jcaz
Laffy
Member since Aug 2014
15625 posts
Posted on 3/3/17 at 7:39 pm
BIL got smacked last night on his way home from work in the early morning hours. Totaled his truck and messed him up pretty bad. And of course the little shite that ran the red light and hit him had no insurance. He was able to just walk away from the scene. Not even sure he got a ticket.

TL;DR- If you cause an accident and have no insurance you should have your license revoked and get locked up for a few months. My family is lucky the BIL is still here. He has a brand new baby boy that was born just last month.
Posted by mattz1122
Member since Oct 2007
52791 posts
Posted on 3/3/17 at 7:43 pm to
If you drive a lot in cities like Houston, Los Angeles and Phoenix, you're bound to be hit by an uninsured driver at some point. I certainly have.
Posted by goldennugget
Hating Masks
Member since Jul 2013
24514 posts
Posted on 3/3/17 at 7:43 pm to
Over 3 years ago I made a post on this board about my experience getting hit by an illegal with no license

I agree, its frustrating

Good thing I was driving a beater car at the time and was getting a new car within the next 9 months
Posted by jcaz
Laffy
Member since Aug 2014
15625 posts
Posted on 3/3/17 at 7:43 pm to
Bad hombres ya know
Posted by notiger1997
Metairie
Member since May 2009
58131 posts
Posted on 3/3/17 at 7:44 pm to
But our politicians in La have no balls and the ignorant class doesn't care enough to change anything. The few that have tried to do anything about it get called racist.

Fcking scum. If you get pulled over and don't have insurance there should be penalties of extreme nature, including possibly giving up your driving rights and vehicle.
If you get in a wreck with no insurance that should be your arse.
Posted by Jcorye1
Tom Brady = GoAT
Member since Dec 2007
71407 posts
Posted on 3/3/17 at 7:44 pm to
Gotta have uninsured and underinsured motorist insurance. There's enough fricking morons driving around with bare minimum insurance policies it's terrifying.
Posted by East Coast Band
Member since Nov 2010
62790 posts
Posted on 3/3/17 at 7:51 pm to
quote:

you drive a lot in cities like Houston, Los Angeles and Phoenix

There isn't a city or town in this country that doesn't have this problem
Posted by Sparkplug#1
Member since May 2013
7352 posts
Posted on 3/3/17 at 7:53 pm to
Should be mandatory you have to wash truck nuts for 30 years if not packing insurance
Posted by poochie
Houma, la
Member since Apr 2007
6279 posts
Posted on 3/3/17 at 7:55 pm to
Dick cancer would be more frustrating, imo
Posted by Jimmy2shoes
The South
Member since Mar 2014
11004 posts
Posted on 3/3/17 at 7:57 pm to
Over 40%% of LA drivers ain't got NO inshurnce
Posted by OweO
Plaquemine, La
Member since Sep 2009
113951 posts
Posted on 3/3/17 at 8:01 pm to
Tell me about it.. This was years ago (2003ish, 2004ish), I was on the highway heading home for lunch when this girl, who was in the turning lane, failed to yield. Evidently she was looking down at her radio, the car slowly turned and kept going. I hit my brakes, but it all happened so fast and she hit me on the front drivers side steering me right into a utility pole.

She actually had insurance, but she got it a few days before the wreck and her insurance didn't cover her yet. That whole situation was a bitch to deal with.
Posted by geaux88
Northshore, LA
Member since Oct 2003
16355 posts
Posted on 3/3/17 at 8:32 pm to
Filthy poors without proper insurance and Illegal Aliens driving, who are in even so much as a fender bender, even if they are not at "fault," should be immediately humiliated and cuffed, taken to a police station to sign their citation before being released. Their cars should be seized and destroyed. This measure would provide the proper incentive for people to make responsible decisions on whether they are "entitled" to drive a car or not.
Posted by Walt OReilly
Poplarville, MS
Member since Oct 2005
124428 posts
Posted on 3/3/17 at 8:37 pm to
Happened to me. Cops came and everything and the motherfricker wasn't even arrested. He paid me 500. Cost me over 4000 to fix
Posted by Slickback
Deer Stand
Member since Mar 2008
27681 posts
Posted on 3/3/17 at 8:44 pm to
quote:

DR- If you cause an accident and have no insurance you should have your license revoked



Most of the people with no insurance have suspended licenses, which is why they can't get insurance. I honestly don't know what the solution is. Our premiums in LA are so high because we have so many uninsured drivers. So many drivers are uninsured because our premiums are so high.

If you go one day without insurance on a vehicle you have registered then you get a $125 fine and a flag on your license. Can't renew your license until you pay your fine and clear the flag. License expires and insurance cancels. Then they have to pay the flag, pay to renew license, and pay higher insurance because you now have a gap in coverage.

But yes, it is frustrating as hell to get hit by an uninsured driver and even more frustrating to have to play $10-50/month for uninsured motorist coverage.
Posted by Martini
Near Athens
Member since Mar 2005
48847 posts
Posted on 3/3/17 at 8:57 pm to
quote:


Gotta have uninsured and underinsured motorist insurance. There's enough fricking morons driving around with bare minimum insurance policies it's terrifying.




Why people don't do this is beyond me. And in addition a million at least on an umbrella.

If someone with 10k or 0 in insurance and 1/ totals your vehicle and 2/ makes you unable to work at least you have insurance yourself. Sure it sucks you have to pay that extra premium but can you afford not too? Can you afford to miss a month or more of work?

Posted by jcaz
Laffy
Member since Aug 2014
15625 posts
Posted on 3/3/17 at 8:58 pm to
If they would actually make penalities harsh for driving on suspended license and no insurance then maybe we wouldn't have this problem. The good have to suffer for the dumbasses and shrugging it off is not the answer.
I doubt BR will ever pass a law to fix the insurance crisis in our state though. We're becoming a poor, welfare dependent state that is run by bureaucrats.
Posted by geaux88
Northshore, LA
Member since Oct 2003
16355 posts
Posted on 3/3/17 at 9:19 pm to
quote:

bureaucrats


Democrats.....

FIFY
Posted by Ostrich
Alexandria, VA
Member since Nov 2011
8757 posts
Posted on 3/3/17 at 9:22 pm to
Serious question because I don't know... what happens to you if you get put in that situation? Does your own insurance typically cover your medical/car bills? Would they then sue the guilty party with no insurance?
This post was edited on 3/3/17 at 9:23 pm
Posted by TakeAGander
Baton Rouge
Member since Jun 2010
557 posts
Posted on 3/3/17 at 9:36 pm to
Had 3 sisters hit my parked truck so hard it threw it back 20 feet. It was totaled out. Of course, they had no insurance and the driver had a suspended license, and outstanding warrants. All 3 go to the hospital with injuries, and of course sue me. My insurance settled with all 3. What a fricked up system we have.
Posted by NASA_ISS_Tiger
Huntsville, Al via Sulphur, LA
Member since Sep 2005
7981 posts
Posted on 3/3/17 at 11:22 pm to
Mom got hit by an illegal alien (undocumented worker for you snowflakes). No insurance. Had prior run-ins with Sulphur PD...total POS.
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