Insurance.....

[klinger]

What?!?! No auto insurance again!!!! This marks the 4th time I've been hit by an uninsured motorist!!!!
I got hit a week ago, and have just come to find out that the person that hit me had a fraudulent insurance card. The trooper handling the crash treated me like public enemy #1 just 'cause my card wasn't as current as it could have been.... (I hadn't put the updated card in my vehicles yet)
Also, I have $1000 deductible on my collision coverage to keep costs down. I figured with the laws as they are the odds of getting hit by an uninsured again was pretty high. WRONG!
My ins will cover all my medical, but with the big deductible on the car, I can't afford to get my Mustang fixed.

THe first one (late 80's) was at night, in my black Ranger, ok, I understand not seeing that... Ranger drove home with minor damage, '72 Monte Carlo goes home on a hook
Next one mid (90's) my poor Ranger gets it again! Ranger a little worse for wear this time, but still drives home, Mercury cougar = Engine driven into driver's compartment! (my back is still a mess from that one)
Then in the mid "naughties" my news truck got hit.... Tell me,,, How does one not see a snow white SUV with big bright NBC peacocks all over it?!?!?!

This one... I had just turned on to this 5 lane (2 north, 2 south 1 turning lane / 35mph limit) This intersection is kind of an odd duck... There is a traffic light in front of a shopping complex. However, there is a side road about 20 yards before the light. So, the light turns yellow, and this big F-250 stops in the left hand lane to let a car turn on to affore mentioned side road, however, nobody bothered to check if anything was coming in the right hand lane! Dam good thing I was already slowing for the light... I saw a dark green flash, I jump on the breaks and lock 'em up. I just caught the corner of the forest green Saturn with corner of my pretty red Mustang. The Saturn darted into the lot of the Heep Tobacco store, driver jumps out and heads for the door. (I figure she's gonna grab her smokes fast and split the scene) I yell "don't you dear leave" and about that time a witness in an obvious manner takes down her plate number... I was transported to Good Samaritan medical center by Falls township EMS, where I was treated and released for whiplash of the lower back and neck. The Mustang needs a bumper cover, passenger side headlight with bucket, and there's a small wrinkle in the fender. I didn't get a clear look at the other car.

[brenth]

I hope you are OK. The problem is this driver will be back on the road tomorrow playing bumper cars with someone else.

In Florida they estimate that 1 in 4 drivers doesn't have insurance and have required us to also buy uninsured insurance - theorertically it covers anything the other drivers insurance should have paid if they had insurance (I have thankfully never had to test it out). But it costs us more money.

I would think the police could just set up an insurance check point like they do the alcolhol check points. But I guess they wouldn't know what to do with everyone that can't drive from the check point.

[klinger]

Jun 26, 2013 11:29:25 GMT -5 brenth said:

I would think the police could just set up an insurance check point like they do the alcolhol check points. But I guess they wouldn't know what to do with everyone that can't drive from the check point.

I like that idea. They could have the cars towed to impound at owner's expense, when they cart them off to jail!

[muttley]

Being hit by an uninsured driver is terrible, K I feel for you, especially having to weigh up whether to go for a cheaper deal and higher deductible, or vice-versa.

Here in the UK, as much as I detest the over use of camera policing, it has come up with one thing, ANPR or Automatic Number Plate Recognition. It is linked to a central database showing what cars are insured and is a great way to catch people on the road uninsured or no licence (banned or otherwise) no MOT (safety certificate)

The police here work on the premise that if one of the above is missing, odds on something else is too. So if they don't get you at the roadside, they come knocking.

Brenth, we have a similar no insurance fund, part paid by ourselve parly by the government, it's not infalible, but it means that if I were hit by an uninsurerd driver, I could still make a claim to my insurance company, and they have a means to recover their funds

K, I hope you get yourself and the car fixed soon

[yeapb]

In addition to what Mutley said police can take your car off the road if you have no insurance.
Hope you manage to get the funds to repair your mustang.

[klinger]

Update:
Ok both my Ins and her Ins co. have been trying to get a hold of her. She hangs up, or somtimes won't even anser when she finds out it's an Ins co. calling.
Well I took the bull by the horns, and called her. I started with that I had heard if she paid her premium they'd insensate her coverage, and that I was into 4K in medical bills so far plus my car... She assured me she was going to get right on it. Time will tell.

[pinkpagoda]

I live in Florida and if I let my insurance lapse - My tag gets cancelled, AND my drivers license. Why doesn't this happen to others?

[klinger]

Jul 30, 2013 10:01:03 GMT -5 pinkpagoda said:

I live in Florida and if I let my insurance lapse - My tag gets cancelled, AND my drivers license. Why doesn't this happen to others?

I'd love to know the answer to this as well!!!

Anywho, I went to the Dr. today... Everything was cool as long as I wanted to discuss my hypertension problem, However, I got treated like a POS when I brought up my accident injury! They did say they'd schedule some PT for me

[moonbeam]

Jul 30, 2013 10:01:03 GMT -5 pinkpagoda said:

I live in Florida and if I let my insurance lapse - My tag gets cancelled, AND my drivers license. Why doesn't this happen to others?

That happened to me when I was younger. For whatever reason, my insurance company did not want to renew my policy (and they didn't tell me). That just happened to occur a few weeks before my registration was to be renewed. Not knowing this, I went to the DMV office to renew my registration and found that my registration was suspended and my license had been revoked. It was a mess trying to find another vehicle and a driver to take me to a state regional office to renew my license and reregister my vehicle...only after I found a new insurance carrier for my truck.