re: This is why we need immigration reform and NO AMNESTY, period.

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So, something else law abiding, hard working people have to fork our money over for because of other people being in the wrong?

Nice. At what point does it not become our fault?

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Because if you find a way to bypass the insurance companies, then the slimy political lackies will have to find a way to replace those donations they get from their big-insurance puppet-masters. It's a legalized "protection" racket.

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Because if you find a way to bypass the insurance companies

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You go right ahead and self insure... See how far that gets you in the real world..

Crap This is on the Poli board.. abandon ship!!

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Phil A Sheo

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You give professionals in our industry a bad name.

Simmer down buddy.

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Crap This is on the Poli board.. abandon ship!!

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Update and clarification...

On this car, I had: liability, comprehensive, uninsured motorist, and roadside assistance.

In the state of Alabama, all cars are required to have liability insurance. The odds of encountering and having an accident with a car like this with no insurance at all is low, but it does happen, and did in my case. The only case where this CAN happen is when someone is breaking the law.

You can call me stupid for not having collision, but it was a conscious decision based on the above - when you get to buy extra coverages for YOUR 16 yr old male primary driver, you might understand a little better why I had to weigh the options. I'm not shirking anything, I made an informed, intelligent decision. Would I do the same again? Probably not, but it made a lot of sense then. I'm glad you guys have 20/20 perfect vision with your hindsight.

Now, regarding the race issue... all you race baiters can go eat a dick. I don't care whether or not people are black, white, red, hispanic, Norwegian, or whatever. That crap means nothing to me. All I ask of immigrants is that if they come here, do it the right way, follow our laws, and work towards becoming an American. I don't think this is at all an unreasonable approach.

My wife is a surgery RN at the hospital. They work closely with the ER. The number of Mexicans with no insurance or money coming to the hospital ER has increased a lot. 30% of the ER patients are now Mexicans. Even treatments for stitches or a cast for a broken arm, etc., can cost $1000. NO money, no insurance. They can't speak English, mostly. This is areal problem. Mexican women come in to have a baby delivered on a routine basis, free. It's a problem.

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You can call me stupid for not having collision, but it was a conscious decision based on the above - when you get to buy extra coverages for YOUR 16 yr old male primary driver, you might understand a little better why I had to weigh the options. I'm not shirking anything, I made an informed, intelligent decision. Would I do the same again? Probably not, but it made a lot of sense then. I'm glad you guys have 20/20 perfect vision with your hindsight.

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Alright, Let me first say that I apologize for coming across like a dick..
But, This situation I deal with a lot from being in the Biz awhile..
It's one thing I stress to my clients b/c it's something that has happened to me as well as many other people...
Glad you kid is ok.. I have 4 ...I'll be a nervous frickin wreck when they all start driving..
Also let me ask you this.. Who's your insurance Co.? and did the kid go to Hospital?
B/c I've had many of my companies pay clients the max of their UM no questions really asked..
Mainly b/c they'll attempt to sue the other driver..
Again Appogize... Try to understand that my grumpiness comes from the aggravation of dealing with this a lot

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Maybe the right tort reform would solve both. To be honest though, I have NOT spent alot of time thinking about solutions. I'm afraid the fixes that come to mind would cause at least as many problems as the current system. Please don't take my comments above personally, as I was just venting a bit.

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thanks for being honest that you were just venting. And full disclosure, I work with this stuff daily so I'm sure I have my biases, too.

However, there isn't an easy fix. Insurance companies serve two masters. They have a fiduciary duty to maximize value for their shareholders, while also having a legal mandate to adjust claims with their indureds and third parties fairly and in good faith. I'm sure you can see how those two forces can sometimes oppose one another. I agree with you that the system isn't perfect, but kudos to you for understanding and admitting that there may not be any perfect "fixes".

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My wife is a surgery RN at the hospital. They work closely with the ER. The number of Mexicans with no insurance or money coming to the hospital ER has increased a lot. 30% of the ER patients are now Mexicans. Even treatments for stitches or a cast for a broken arm, etc., can cost $1000. NO money, no insurance. They can't speak English, mostly. This is areal problem. Mexican women come in to have a baby delivered on a routine basis, free. It's a problem.

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All the while liability still exist for the medical caregivers. (The Hospitals usually have a cap that they can be liable for)

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There ya go. We have a responsibility to educate people on policies and options.

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You're right we do.. I think the stress of running my own agency gets to me sometimes.. And I speak(or type in this case) before I think.

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Berating consumers is not the way to go about it.

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Again right..

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Suggestion: Bookmark this thread. Use this story in the future. Promote tigerdroppings. Give people the right insurance.

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Not a bad idea..