Posted by
Message
OweO
LSU Fan
Plaquemine, La
Member since Sep 2009
78035 posts

Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
I have never heard of anyone unable to get auto insurance, but if someone has a bad driving record (several wrecks within a few years, several speeding tickets, etc) could they put themselves in position to not be able to get it? Or will they get it and just have to pay a lot for it?


Napoleon
New Orleans Saints Fan
Kenna
Member since Dec 2007
58688 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
No. I know a guy with a suspended and revoked license but he don't believe in not having insurance.
He pays like $165 a month for minimum though.


Titus Pullo
USA Fan
MTDGA
Member since Feb 2011
27407 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

they get it and just have to pay a lot for it?


Replies (0)
Replies (0)
30
Mr Clean
Columbia Fan
Iberia Parish Prison
Member since Aug 2006
38159 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
Have to pay extra for an SR-22 if you have a DWI


momentoftruth87
LSU Fan
Member since Oct 2013
26908 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
Very expensive if you have a poor record. That could prevent someone from having it. Tons of idiots out there that don't have insurance and they are the scum of the earth.


OweO
LSU Fan
Plaquemine, La
Member since Sep 2009
78035 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

Tons of idiots out there that don't have insurance and they are the scum of the earth.



This is sort of the reason I am asking this. Just wondering if there were people on the road who don't have insurance just because they can't get it..

I wouldn't mind if there were random insurance checks and if you don't have insurance they haul your car off or something. Make it a big headache so that people who don't have insurance will be less likely to drive. I'd rather that than inspection sticker checks.


blzr
UAB Fan
Bham
Member since Mar 2011
24926 posts
 Online 

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
Use google dumbass


Replies (0)
Replies (0)
27
Geauxtiga
TBD Fan
No man's land
Member since Jan 2008
33843 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

Just wondering if there were people on the road who don't have insurance just because they can't get it..
The answer is no. Everyone can get it, just may cost.


Replies (0)
Replies (0)
20
Jack Bauers HnK
LSU Fan
Baton Rouge
Member since Jul 2008
3643 posts
 Online 

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

if you don't have insurance they haul your car off or something.


If you’re caught driving without insurance, the car you’re driving can be impounded. There’s no law against owning an uninsured vehicle as long as it isn’t being driven.


Replies (0)
Replies (0)
30
dukke v
LSU Fan
PLUTO
Member since Jul 2006
168557 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
Really???????



Yet just ANOTHER stupid thread from you...…………...


Replies (0)
Replies (0)
72
OWLFAN86
Rice Fan
OT Mentor
Member since Jun 2004
141921 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

OweO

hey serious question


is your insurance a different type cause you brake with your hands?


mctiger1985
LSU Fan
Baton Rouge
Member since Oct 2009
3130 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
It's called assigned risk.


Replies (0)
Replies (0)
00
fr33manator
LSU Fan
Baton Rouge
Member since Oct 2010
87641 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

is your insurance a different type cause you brake with your hands?


So if we broke his fingers we’d be benefiting drivers and posters?


Replies (0)
Replies (0)
40
cable
Member since Oct 2018
2498 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?


dbeck
Arkansas Fan
Member since Nov 2014
15750 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

OweO driving

A more accurate clip would be Oweo saying "hey watch this" and then just rolling around slowly for 10 minutes and not doing anything interesting at all and then saying "at least I'm doing something to start a conversation".


Replies (0)
Replies (0)
30
Ron Popeil
LSU Fan
Fairgrounds
Member since Nov 2018
330 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
I believe an SR-22 is for these kind of people. When I was 19-20, I had a couple of wrecks that were my fault and I had to get something that was called “assigned risk” insurance. Insurance companies were required to take idiots like me for a greatly-inflated rate. I was probably paying $3000.00 per year for comprehensive only. This was in the 90’s.


Replies (0)
Replies (0)
00
Lsuham
Member since Mar 2019
4 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
There's an "assigned risk" program for drivers that are turned down for insurance due to their driving record. If they qualify (there is criteria - maybe competition of court ordered treatment, driving program), the department of insurance will "assign" them to an insurance company, hence the name of the program. Each company is assigned drivers based on their market share and can't refuse. For example, if a company has 20% of drivers in the state, they'll get assigned 20% of the assigned risk drivers.

The assigned insurance company charges a premium based on the driver's record so it'll definitely be high. The company can cancel the policy for cause so it's a one strike deal. If that happens it's likely the driver won't get back in the program.


Chad504boy
New Orleans Saints Fan
Member since Feb 2005
132537 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
Ubering will becomes really reasonable really quick


Replies (0)
Replies (0)
00
Inadvertent Whistle
Arkansas Fan
Member since Nov 2015
1019 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
quote:

There's an "assigned risk" program for drivers that are turned down for insurance due to their driving record. If they qualify (there is criteria - maybe competition of court ordered treatment, driving program), the department of insurance will "assign" them to an insurance company, hence the name of the program. Each company is assigned drivers based on their market share and can't refuse. For example, if a company has 20% of drivers in the state, they'll get assigned 20% of the assigned risk drivers.

The assigned insurance company charges a premium based on the driver's record so it'll definitely be high. The company can cancel the policy for cause so it's a one strike deal. If that happens it's likely the driver won't get back in the program.


100% correct. And I'm guessing you're in the insurance biz too.


BamaHater
Houston Astros Fan
Houston
Member since Sep 2003
13215 posts

re: Is It Possible For A Driver Not To Be Able To Get Auto Insurance?
Just call Shaq. I'm sure the General can get anyone insured for a price.


Replies (0)
Replies (0)
30
first pageprev pagePage 1 of 2next pagelast page

Back to top

logoFollow TigerDroppings for LSU Football News
Follow us on Twitter, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookTwitterInstagram