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Nothing worse then being hit by an idiot with no insurance..


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#1 of 32 OFFLINE   Chris

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Posted April 27 2005 - 01:42 PM

So, today, driving through downtown KC, we're stopped at a red light. Behind me I hear a "EEEEERRRRRRRRRRR!" brakes screaming.. look in my rear view mirror. Shit. The car right behind me gets rear ended bigtime, smashed flat in the back, airbags deployed, etc. she gets flung into me, which busts my rear bumper, throws me a lane and a half into the sidewalk at 13th & Broadway.

Damnit!

So, I immediately feel terrible, primarily because I was eating when I got hit (well, not really, drinking a milk) so I throw up all over, and sit back while paramedics run to the scene and go through everything. The accident is bad enough that bystanders hang around to relay to the cops what happened (a gigantic perk)

The girl behind me is visibly shaken up, her very nice car is now virtually wiped out. She's livid. I'm still feeling shaky so I hang out with the paramedics while they test me over.. I get out, the police officer asks for my insurance and my drivers licence (no problem). I talk to the girl right behind me to make sure she's OK.

Luckily she is OK, though she's also really shaken up. The girl behind us, we're told, started screaming that she couldn't stop, etc. etc.

Enough bystanders point out she raced through a light to catch it from Orange into a red and that's how she slammed into her. She admitted in the end to basically doing 50/30 going into a light (where we were all stopped).

The officer on the scene immediately rules her at fault, and asks to get statements from us, although he has five bystander statements as well. He tells us "hold on, another officer will be with you"

Great. Another officer comes to us and breaks it down: this is a felony accident. The girl who hit us may have been enjoying the day a bit too much, had a suspended license and... no insurance.

Goddamnit.

Completely pisses me off. I call my insurance company who thankfully tells me that since I was not at fault, they will not hold it against my policy, which is a perk.

The officer tells us that because it is a felony accident (no drivers license, no insurance, possible alcohol) we will be subpeoned to appear in court, and tells us "of course, you'll get a settlement against her.."

Yeah, right. If the girl doesn't have enough to pay insurance, how much money is she going to have to pay up? Can't get blood from a turnip.
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#2 of 32 OFFLINE   Carl Johnson

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Posted April 27 2005 - 02:14 PM

Is driving on a suspended license without insurance a felony or was the cop referring to the possibility that alcohol was involved?

#3 of 32 OFFLINE   Chris

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Posted April 27 2005 - 02:30 PM

I think driving without a license and insurance is like a class-C felony; but if she ends up testing for alcohol, it bumps it way up the chart.
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#4 of 32 OFFLINE   Philip_G

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Posted April 27 2005 - 02:40 PM

:mad: bastards.
I only carry liability on my cars, so I'd be royally screwed.

#5 of 32 OFFLINE   Joel...Lane

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Posted April 27 2005 - 03:20 PM

Car accidents SUCK! Especially when they're not your fault.Posted Image Glad to hear you're okay though. Hey, any accident you can walk away from....

I remember a long time ago we were sitting on a two lane road in stopped traffic cause they were doing construction on a bridge. Well, this cement mixer comes barrelling around the corner from the other direction, can't stop in time and crushes the unlucky car at the end of the line. The car was flattened up to the front seats! Luckily no one was in the back.

I don't do it all the time, but I try to leave at least a car length between me and the car in front of me whenever I'm stopped just in case I need to swerve out of the way quickly.

Did she get arrested?

#6 of 32 OFFLINE   Robert_Z

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Posted April 27 2005 - 03:29 PM

There is something worse than being hit by an idiot with no insurance, and that is all of us clones being forced by law to buy car insurance whether we want it or not.

We pay month after stinking month, and when we finally file a claim, it is either denied, or we get jacked during the next billing period. Sounds like a no-risk money-making venture for the insurance industry. Their lobbyists must be smooth talkers.

#7 of 32 OFFLINE   Chris

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Posted April 27 2005 - 03:32 PM

Quote:
Did she get arrested?

Yes, she was arrested on the scene.
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#8 of 32 OFFLINE   Julian Reville

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Posted April 28 2005 - 12:34 AM

Yes, there are some things that are worse:

Being hit by an guy smart enough to have FAKE insurance and having the cop being DUMB enough to let him go.

That's what happened to me 6 months after I bought my first new car; rear-ended just like you while stopped at a red light.

The cop let the guy go without even a ticket!! Later they discover (through my insurance company) that the guys insurance info was bogus. They (of course) are "still looking for the guy". Right. I'm out a $500 deductible and my brand new car loses $10,000 in street value, so that helps a lot.

#9 of 32 OFFLINE   John Spencer

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Posted April 28 2005 - 01:53 AM

Robert, insurance is a pain, but a necessary one. The only people who can't afford insurance are those who are more of a risk on the road. If you have a good driving record and few to no accidents, insurance is not that expensive. And if you have a company that turns you down (though we know not what for), you can always change companies. That's the great part about being a customer.

I'm glad it's a felony to not have insurance, for just the reasons Chris stated. Although it's not supposed to be lawful for your insurance to go up when you're the victim of an uninsured motorist, it's still quite inconvenient. And if you can't afford even Safe Auto's crap-like liability coverage, you ought not be driving. Driving is a privilege, not a right.

Never heard of this. I'm a honky.

#10 of 32 OFFLINE   Philip_G

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Posted April 28 2005 - 02:49 AM

damn
Quote:
Currently, Safe Auto Insurance Company offers policies for residents in Ohio, Indiana, Kentucky, Georgia, Pennsylvania, South Carolina, Tennessee, Louisiana, Mississippi, Illinois, Arizona, and Oklahoma.

Even liability on two crappy cars is running me nearly 1200 a year with a clean record Posted Image

#11 of 32 OFFLINE   Chris Smith

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Posted April 28 2005 - 03:32 AM

Quote:
insurance is not that expensive

You must not live in NJ, home of the highest insurance rates in the country. The rates are so high and the laws so messed up that MANY insurance companies don't even off insurance in NJ.

Safe Auto? Hah, no way they'd deal in NJ. Your choices are limited and they are ALL high.

From:
http://moneycentral.....car/P88635.asp

New Jersey was the priciest auto insurance state in the country, with motorists shelling out an average $1,182.54. New York kept pace with an average of $1,161.27 followed by the District of Columbia at $1,156.23.

I know mine is higher than that, by quite a bit. Back in H.S. my insurance was close to $3000 a year with a clean record.
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#12 of 32 OFFLINE   Philip_G

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Posted April 28 2005 - 03:46 AM

colorado has fallen to #10, 2 years ago when PIP was mandatory they were #6

#13 of 32 OFFLINE   Paul_Medenwaldt

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Posted April 28 2005 - 03:46 AM

Quote:
Great. Another officer comes to us and breaks it down: this is a felony accident. The girl who hit us may have been enjoying the day a bit too much, had a suspended license and... no insurance


Chris

When you say girl, how old is this person?

If she owns a home, you may be able to go after her homeowners insurance company??

Paul
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#14 of 32 OFFLINE   Bruce Hedtke

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Posted April 28 2005 - 04:11 AM

Quote:
The only people who can't afford insurance are those who are more of a risk on the road


Sorry, but this is bullshit. I have a clean driving record, no accidents for the past 10 years and no moving violations for at least the past 5 and for a 1999 Pontiac Grand Am GT, I'm paying $180 a month ($2160/year). It's an absolute rip-off and no matter what carrier I've checked with, none of the quotes came in under $180 per month. I guess they can slap any label they want on you and not have to answer to anyone for it.

Bruce
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#15 of 32 OFFLINE   Jim Sentry

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Posted April 28 2005 - 04:17 AM

Wow Bruce that sucks. My wife and I both have full coverage. She drives a 2005 Toyota Rav 4 and I drive a 1995 Mercedes S320.

We pay about 1200per year total.

#16 of 32 OFFLINE   Colton

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Posted April 28 2005 - 04:23 AM

My car = 2001 PT Cruiser Limited Edition
Wifes car = 1997 Toyota RAV 4

$1584/year - Full Coverage.

Check out AAA Insurance for the best rates!

- Colton

#17 of 32 OFFLINE   DaveF

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Posted April 28 2005 - 04:51 AM

Quote:
and no moving violations for at least the past 5 and for a 1999 Pontiac Grand Am GT, I'm paying $180 a month ($2160/year).
Wow! Is your state known for high rates? Have you shopped around? I was paying ~$400/yr in NY with a Ford Escort a few years back. Another company quoted me $1800/yr for the same policy. I'm now driving a newer Honda Accord for $600 / yr, through Geico.

Chris - bummer. I was rear-ended two years ago by an older woman who had a seizure just as she was approaching the stop light. It was a weird situation. The police had to take her keys away to keep her from driving off, after she became lucid. It was a weird and sad situation.

#18 of 32 OFFLINE   Mike Wilk

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Posted April 28 2005 - 05:24 AM

Sorry, but this is bullshit. I have a clean driving record, no accidents for the past 10 years and no moving violations for at least the past 5 and for a 1999 Pontiac Grand Am GT, I'm paying $180 a month ($2160/year). It's an absolute rip-off and no matter what carrier I've checked with, none of the quotes came in under $180 per month. I guess they can slap any label they want on you and not have to answer to anyone for it.

Bruce
I'd imagine 2 things are against you: 1 - the type of car, 2 - the month-to-month payments. Also, you didn't mention age or marital status that are also part of the equation the insurance companies use.

YMMV

#19 of 32 OFFLINE   Philip Hamm

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Posted April 28 2005 - 05:30 AM

Quote:
Yeah, right. If the girl doesn't have enough to pay insurance, how much money is she going to have to pay up? Can't get blood from a turnip.
Chris, you need to stop talking to us and talk to a lawyer. You should be carrying "uninsured motorist" and "underinsured motorist" coverage on your policy. If you're smart you have very high amounts for these coverages (it is not that expensive). This kind of situation is exactly why you have this coverage.

The way it works is you first have to come up with a fair equitable settlement amount, you can't make stuff up. A good (not moneygrubbing ambulance chaser) laywer can help you with this. Once you've come up with your amount, your lawyer will file this with your own insurance company under your "uninsured driver" coverage. They will refuse to pay, you will then file suit. It will cost a few hundred dollars for the filing at the courthouse. Once they see this they will then settle with you. This will not affect your insurance rates.

If you've been hurt or anyone in your car has been hurt you need to start talking to legal counsel now, and stop posting here, anything you post can potentially be used against you.
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#20 of 32 OFFLINE   John Spencer

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Posted April 28 2005 - 06:29 AM

for a 1999 Pontiac Grand Am GT, I'm paying $180 a month ($2160/year)


I own 3 cars:

1995 Mazda 626 LS
1987 Honda Civic
2003 Porsche Boxster S

I pay $1200 per year (once a year)for all 3 cars, with 2 insured drivers. My wife is under 25 also. And we live in Memphis, which is per capita one of the most likely places to suffer crime to your vehicle (i.e. theft or burglary). So it's not "bullshit". If you can't afford the insurance on your car, get a different car. If you really want a sports car, then suck it up and pay the insurance. You can't slap a bull's nuts and then cry when he pummels you. Sports cars get ripped off at a higher rate. 1985 Buick Le Sabres don't. Yes, insurance companies are around to make money. Water is also wet, and the Kansas City Royals suck.

It's an absolute rip-off

There are forms you can fill out which state that you have the financial wherewithal to pay for any accidents in which you are involved. Or just don't carry insurance. See what happens if you're ivolved in an accident. Then you'll see why I say it sucks, but it's necessary.

Keep in mind that some companies use your credit history and score in assigning your rates. If you have a low score, expect high premiums. If you don't use credit, that also would explain it, since no credit history is seen as equivalent to a poor credit history. There is also the issue of deductible. The lower your deductible, the higher your premium.


The rates are so high and the laws so messed up that MANY insurance companies don't even off insurance in NJ.


Well, I'm not gonna go there. I've seen The Sopranos. Posted Image

Never heard of this. I'm a honky.


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