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Message
re: Why are people allowed to not carry/cancel insurance? And why do police not confirm this?
Posted on 10/28/25 at 12:02 pm to blackinthesaddle
Posted on 10/28/25 at 12:02 pm to blackinthesaddle
are you this dumb or just trolling?
0
Posted on 10/28/25 at 12:03 pm to kywildcatfanone
I don't know what most states minimum is, but its $10,000 liability in Florida which frankly is almost nothing. I had an employee hit a pedestrian on an electric scooter and his insurance told him tough luck because the guy went to the hospital the next day.
Its just not enough to actually cover anything. I don't know the right answer though OP.
Its just not enough to actually cover anything. I don't know the right answer though OP.
Posted on 10/28/25 at 12:06 pm to blackinthesaddle
quote:
Why does their insurance cover your property
It doesn't. It covers the insured's liability to you if he damages your property.
Posted on 10/28/25 at 12:09 pm to kywildcatfanone
quote:That's already a law. If you drop insurance but still have the car registered in your name, they notify the state and your drivers license is flagged and ultimately suspended if you don't correct the situation.
Maybe the laws should state, if you go to cancel insurance on a car, you have to show proof that you no longer have the car or show proof you got insurance elsewhere, and simply can't drop coverage on a car you still own.
Posted on 10/28/25 at 12:11 pm to Smeg
quote:
Maybe I'm mistaken but I always believed that the police VERIFIED you had insurance when they took your license and proof of insurance back to their cruiser. I thought they plugged in your policy number and could access a database to confirm it's legit and valid.
They have the ability to do it, but apparently don't do it all the time, which is simply lazy and an afront against law abiding citizens.
Posted on 10/28/25 at 12:11 pm to BluegrassBelle
quote:
I mean, if he made the first payment up front for the insurance then cancelled there's not much the insurance company can do.
I mean, these monthly rate companies should only be allowed to issue cards that are valid for the term the insurance is paid. Seems fairly reasonable to me.
And this doesn’t excuse the cop’s laziness.
Posted on 10/28/25 at 12:14 pm to kywildcatfanone
quote:
Maybe the laws should state, if you go to cancel insurance on a car, you have to show proof that you no longer have the car or show proof you got insurance elsewhere, and simply can't drop coverage on a car you still own.
Pretty sure that is how it works, but what is the insurance company supposed to do if the person stops making payments?
In LA, when you stop making payments the insurance companies will cancel the policy, then report this to the OMV. If the license plate on the car is still showing valid in the OMV's database, they will add on a flag (usually a few hundred dollars) to the license to keep them from performing any transactions with the OMV until that flag is paid. But the type of person that makes the downpayment with no intentions of keeping the policy does not care about flags or suspended licenses.
Posted on 10/28/25 at 12:15 pm to kywildcatfanone
quote:
Got the report today, and called the insurance listed. No record of the driver/the address/the car, nothing.
quote:if this actually makes sense to you then u r rtarded
Called my insurance and they said he likely got insurance to get the cards, then cancelled.
Posted on 10/28/25 at 12:17 pm to kywildcatfanone
Put him into debt.
Posted on 10/28/25 at 12:24 pm to Mlear
quote:
yeah, but in Louisiana the DMV is notified and you are flagged in the system as uninsured. You'll accrue fines each month you go uninsured. Next time you hit the dmv for something it's all gonna rear it's head.
So the state will get paid but regular joes who get hit by the uninsured get screwed.
Several of Tuscaloosas patrol cars have some kind of sensors\readers on the fenders that scan license plates. They need to put these on all the patrol cars and make the system check insurance in addition to the current outstanding warrants. Then arrest the driver and impound the car until insurance is paid and in these cases the purchase of insurance should be non-refundable. And add if the owner gets caught again without insurance they go to jail for 6 months.
Posted on 10/28/25 at 12:41 pm to alphaandomega
quote:yes because pushing more technology aiding for low IQ officers would never be misused.
Several of Tuscaloosas patrol cars have some kind of sensors\readers on the fenders that scan license plates. They need to put these on all the patrol cars and make the system check insurance in addition to the current outstanding warrants.
Example: my little bro that has never broken a law in his life had to use my vehicle to run to the store when it was storming out.
Some tpos got behind him and ran my plates and saw that i had a prior conviction for possession. Pulled my brother over saying his tire crossed over to the white line. Made him put his hands out of the window, open the door and walk to the back of the car. Frisked him. Questioned him about drugs. Called K-9 unit. Then tore my vehicle apart searching for drugs. Including taking speakers out of the speaker box. Inside panels off. Then told my brother that had been out in the rain for 30 min that he was free to go and it was a verbal warning to stay inside the lines when driving. Didn’t even attempt to clean up the disaster they made.
That’s exactly how you get law abiding citizens to lose respect for cops.
Posted on 10/28/25 at 12:44 pm to BabyTac
quote:
Do you think trash really says, “my license is suspended. I better not get behind the wheel”???
The thought process of “my insurance is lapsed, I better not get behind the wheel” didn’t do anything either, did it?
If someone causes you damages, your recourse is to sue them, get a judgment and then try to enforce that judgment against their assets. If they have no seizable assets, then what is going to motivate them to pay?
I don’t pretend to know all the reasons why a person might eventually cough up some money to get their license back. I did subrogation work for a while to recover money an insurance company paid for damages caused to their customers by uninsured drivers. Many a dormant file with an uncollectible judgment would suddenly wake up when the driver walked in the door and wanted to get his license back.
In OP’s case, he apparently has deductibles close to the amount of damages his fence sustained. He decided to self-insure that amount so he gets to decide how much his time is worth in recovering those damages from the uninsured driver.
Posted on 10/28/25 at 12:49 pm to kywildcatfanone
Small claims court. You can do it yourself
Posted on 10/28/25 at 12:55 pm to Clyde Tipton
>If you sold your car, would you cancel the insurance?
Did this sound clever or something when you thought of it?
It just makes you appear illiterate.
Did this sound clever or something when you thought of it?
It just makes you appear illiterate.
Posted on 10/28/25 at 1:09 pm to SuperSaint
quote:
Some tpos got behind him and ran my plates and saw that i had a prior conviction for possession. Pulled my brother over saying his tire crossed over to the white line. Made him put his hands out of the window, open the door and walk to the back of the car. Frisked him. Questioned him about drugs. Called K-9 unit. Then tore my vehicle apart searching for drugs. Including taking speakers out of the speaker box. Inside panels off. Then told my brother that had been out in the rain for 30 min that he was free to go and it was a verbal warning to stay inside the lines when driving. Didn’t even attempt to clean up the disaster they made.
sounds like they were just making sure you were clean since you're a high probability to not be. I have no problem with it, and would encourage them to continue to do this to known criminals. This is a better use of the police's time than sitting by LSU writing expired inspection sticker tickets.
Maybe stop doing drugs and this wouldn't happen.
Posted on 10/28/25 at 1:11 pm to TeddyPadillac
Except it's bullshite.
He's lucky they didn't plant shite and steal the car via CAF.
Guarantee this happened in a small town...
He's lucky they didn't plant shite and steal the car via CAF.
Guarantee this happened in a small town...
Posted on 10/28/25 at 1:20 pm to kywildcatfanone
This is a huge problem in Texas, mostly from illegals.
They run into your car then get out refusing to communicate or acknowledge fault.
We all have to carry uninsured drivers coverage to cover our arses.
They run into your car then get out refusing to communicate or acknowledge fault.
We all have to carry uninsured drivers coverage to cover our arses.
Posted on 10/28/25 at 1:43 pm to N2cars
quote:
Except it's bullshite.
Except it isn’t.
And I say that as someone who was pulled over plenty of times for bull shite reasons as a teenager b/c of the car I drove and its accessories. You want to look like a criminal, expect to be stereotyped as one. If you don’t like that, then stop pretending to be a criminal or stop being a criminal.
Posted on 10/28/25 at 1:55 pm to BluegrassBelle
quote:
mean, if he made the first payment up front for the insurance then cancelled there's not much the insurance company can do. Aside from requiring a larger payment up front for a longer period of time (say, paying for a year at a time) there's not a whole lot the insurance company can do to not allow him to cancel/stop paying. And most people are not going to be able to afford that.
I totally disagree. This is where things need to change. Insurance companies ELECT to provide a payment plan on the policy. It is actually two separate transactions (the coverage AND the financing). Try going to Walmart and buy a t.v., BUT dont arrange payment in FULL. The insurance companies should be MANDATED to maintain the policy thru its life. If a scumbag or uninsurable person applies for coverage they should be DENIED coverage. Insurance companies continue the CHAOS because they are not held accountable for letting a policy lapse. The lapse in payment has nothing to do with the coverage of the policy.
This post was edited on 10/28/25 at 1:57 pm
Posted on 10/28/25 at 2:02 pm to TigersSEC2010
quote:
You likely are the victim of a shite cop and/or a shite department.
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