Suspended License

[HurricaneHeather]

This may vary from state to state, but does anyone know if you can get auto insurance if your license has been suspended?

It seems like there wouldn't be any way to get insured if your license is suspended, but I just want to know for sure.

[tommymac]

Not in NY

tom

[Rider]

:idk: I've never had my license suspended and I plan the keep it that way.

[HurricaneHeather]

:idk: I've never had my license suspended and I plan the keep it that way.

Well that is true for most responsible adults. :wink:

[the chi]

:scratch: If its suspended, what need is there for auto insurance?

If its currently suspended I would think not, but call your local DMV or a local insurance agent (anonymously :wink:) and ask...

[marko138]

:idk: I've never had my license suspended and I plan the keep it that way.
You and me both, holmes.

[HurricaneHeather]

:scratch: If its suspended, what need is there for auto insurance?

If its currently suspended I would think not, but call your local DMV or a local insurance agent (anonymously :wink:) and ask...

Because a co-worker mentioned she has had a suspended license for over 4 years and yet she owns a car, and drives every single day. Pisses me off to no end.

[tommymac]

Well that is true for most responsible adults. :wink:

So I guess i am not responsible :( Dumbass didnt pay some tickets many moons ago and shit mushroomed on me. Fortunatley the system wasnt computerized at the time.

Tom

[HurricaneHeather]

So I guess i am not responsible :( Dumbass didnt pay some tickets many moons ago and shit mushroomed on me. Fortunatley the system wasnt computerized at the time.

Tom

I said most. :lol:

[tommymac]

I said most. :lol:

Ok that works then :lol:

funny thing was I had to retake my road test. The DMV guy asked becasue I drove so well, asked if it was a DWI, told him not it was for some unpaid tix that got out of control and had to start over. Since then only one ticket in 10 years ;)

Tom

[t-homo]

In MO, you have to have insurance on any vehicle that sits outside, so I would assume you would be able to get insurance even if you don't have a license.

[Curb]

Ok that works then :lol:

funny thing was I had to retake my road test. The DMV guy asked becasue I drove so well, asked if it was a DWI, told him not it was for some unpaid tix that got out of control and had to start over. Since then only one ticket in 10 years ;)

Tomjust look over your shoulder now on the way home...cause it will be two.

as far as the orignal question...your co-woker is probably driving illegally.

[the chi]

Hmmm, and you could perhaps repost her as driving illegally...in FL its a felony to be driving with no insurance as well, but unless you get busted, its just one of those things...I think most people I know that have had accidents down here were hit by people with no DL, insurance, or had warrants on them...must be a Florida thing...:lol:

[HurricaneHeather]

as far as the orignal question...your co-woker is probably driving illegally.

Well, I know that. Driving with a suspended license is against the law. :lol:

I am just strongly opposed to people driving without insurance. No license, whatever. No insurance, that reeeeaaalllly makes me angry.

[marko138]

Hmmm, and you could perhaps repost her as driving illegally...in FL its a felony to be driving with no insurance as well, but unless you get busted, its just one of those things...I think most people I know that have had accidents down here were hit by people with no DL, insurance, or had warrants on them...must be a Florida thing...:lol:
My wife was hit in November by some jackass with a suspended license, no insurance, no job and it wasn't even his car. Fucking piece of shit.

[BobTheBiker]

I'm pretty sure driving with no insurance isnt a felony in FL unless some law was revised recently.

in FL you probably can get insurance with a suspended license, BUT I know few reputable insurance companies will write you a policy. the cheapo crap companies prbably will though.

[HurricaneHeather]

My wife was hit in November by some jackass with a suspended license, no insurance, no job and it wasn't even his car. Fucking piece of shit.

EXACTLY.

I am just so tempted to report her in hopes that she won't do this. Getting hit sucks enough when the responsible party has insurance.

[neebelung]

Well that is true for most responsible adults. :wink:

Meh, careful there. Small town clerical errors can result in a suspension without the person even knowing until they get pulled over. Go ahead, ask me how I know. :lol:

[HurricaneHeather]

Meh, careful there. Small town clerical errors can result in a suspension without the person even knowing until they get pulled over. Go ahead, ask me how I know. :lol:

Oh, this girl knows it. She knows what she has to do to correct it, but refuses to pay her fine.

[marko138]

EXACTLY.

I am just so tempted to report her in hopes that she won't do this. Getting hit sucks enough when the responsible party has insurance.
It does suck. We have good insurance...but it's a total pain in the ass. We'll never see our deductable. This piece of garbage still doesn't have a job.

[Amber Lamps]

The car may not be in her name or the insurance company hasn't checked her driving record since she has been suspended. I think that it varies from state to state. Unlike all the perfect people here, I've had a suspended license and I never had problems getting insurance in Mi.

[z06boy]

Not in NC.

Yes I've had my license suspended but that was when I was young and dumb so I went to Japan for a year and got a license. :lol: When I came back...my suspension was over so I got a new license.

That was over 20 years ago...now I'm a mature...responsible individual...ok I'm older. :lol

[Rider]

It does suck. We have good insurance...but it's a total pain in the ass. We'll never see our deductable. This piece of garbage still doesn't have a job.

I know this situation all too well. Some drunk driver decided to run though my car at 50mph when I was stopped at a red light. I never saw a dime from the fucker. I do know that he did jail time though.

[HurricaneHeather]

The car may not be in her name or the insurance company hasn't checked her driving record since she has been suspended. I think that it varies from state to state. Unlike all the perfect people here, I've had a suspended license and I never had problems getting insurance in Mi.

So, you can get insured while having a suspended license?

If her license is suspended, but she has insurance I really don't care. It's the having insurance that I am concerned with.

[marko138]

I know this situation all too well. Some drunk driver decided to run though my car at 50mph when I was stopped at a red light. I never saw a dime from the fucker. I do know that he did jail time though.
This guy wasn't drunk, thank god. Just a doofus who didn't see that traffic was slowing down and was following way too damn close. Thus the collision.

[Amber Lamps]

So, you can get insured while having a suspended license?

If her license is suspended, but she has insurance I really don't care. It's the having insurance that I am concerned with.

It's possible depending on the state. Most likely she has the car insurance in a another person's name. You can't get plates without insurance...

[Rider]

So, you can get insured while having a suspended license?

If her license is suspended, but she has insurance I really don't care. It's the having insurance that I am concerned with.

If she gets in an accident with a suspended license, her insurance will not cover a single penny for property damage or personal injury.

[HurricaneHeather]

if she gets in an accident with a suspended license, her insurance will not cover a single penny for property damage or personal injury.

orly?

[Rider]

orly?

A police report will indicate she has a suspended license and the insurance company will not cover. The only thing they will cover is a non moving comprehensive claim(fire, theft, vandalism...).

[marko138]

A police report will indicate she has a suspended license and the insurance company will not cover. The only thing they will cover is a non moving comprehensive claim(fire, theft, vandalism...).
Guess the only option is to fuck this broad up. Teach her a lesson.

[Rider]

Guess the only option is to fuck this broad up. Teach her a lesson.

No doubt. It's people like her is why I have to carry uninsured motorist coverage.

[HurricaneHeather]

No doubt. It's people like her is why I have to carry uninsured motorist coverage.

Yeah....I might have to think over the karmatic reprocusions of either option. :lol:

[wildchild]

Well that is true for most responsible adults. :wink:

ok so I have been irresponsible in a previous life. (a couple of times LOL) back then it was possible here due to the fact if your car is financed you have to carry full coverage. I am not at all sure how it was written but yes I carried full coverage while not licensed.
I'm sure there is some fine print that says basically the car is insured but you're not.
it was many years ago so it may have changed drastically.

[wildchild]

If she gets in an accident with a suspended license, her insurance will not cover a single penny for property damage or personal injury.

ding ding we have a winner.

[skiergirl]

Pretty sure only your registration ties to your INS.

Not positive about TX but I had mine suspended many moons ago for a year in PA. I had no problem at all insuring my car. They could care less if you have a license it's not even a question they ask.

I kept my car insured the entire time so my friends/roommate could drive it if they wanted rather than their own car when I needed a ride.

And they are correct, friend of mine actually caused an accident, completely his fault but the other driver didn't have a license and HIS ins didn't have to pay a dime because they said she should never have been there. Same rules would apply the other way around her INS will refuse to pay since they state in the policy they cover only licensed drivers...

[Rider]

ok so I have been irresponsible in a previous life. (a couple of times LOL) back then it was possible here due to the fact if your car is financed you have to carry full coverage. I am not at all sure how it was written but yes I carried full coverage while not licensed.
I'm sure there is some fine print that says basically the car is insured but you're not.
it was many years ago so it may have changed drastically.

If you already have insurance and then your license gets suspended, the insurance company won't know right away if ever. If your license is already suspended and then try to get insurance it wont fly. As mentioned above though, you can get comprehensive coverage only though. I just called my buddy who is an insurance agent in MI. The day you no longer have a valid license(expired, suspended...etc), your insurance in null and void per the contract you sigh with them when you sign up. Not sure if it's different in other states, but I can't imagine it would be.

[wildchild]

No doubt. It's people like her is why I have to carry uninsured motorist coverage.

up here lately it seems the standard is for someone to hit you then jump out and say "oh man I'm so sorry" "by the way I hope you have insurance because I don't" It seriously makees you want to beat them with a baseball bat for as nonchalantly as they say it.

[wildchild]

If you already have insurance and then your license gets suspended, the insurance company won't know right away if ever. If your license is already suspended and then try to get insurance it wont fly. As mentioned above though, you can get comprehensive coverage only though. I just called my buddy who is an insurance agent in MI. The day you no longer have a valid license(expired, suspended...etc), your insurance in null and void per the contract you sigh with them when you sign up. Not sure if it's different in other states, but I can't imagine it would be.


different rules in different states. I actually sold my car and bought another while not licensed and insured the new one without prob. Told my agent I had been suspended.

[HurricaneHeather]

If you already have insurance and then your license gets suspended, the insurance company won't know right away if ever. If your license is already suspended and then try to get insurance it wont fly. As mentioned above though, you can get comprehensive coverage only though. I just called my buddy who is an insurance agent in MI. The day you no longer have a valid license(expired, suspended...etc), your insurance in null and void per the contract you sigh with them when you sign up. Not sure if it's different in other states, but I can't imagine it would be.

Thanks for calling him. I might call my insurance people and ask them if that is the case for TX too.

[Rider]

up here lately it seems the standard is for someone to hit you then jump out and say "oh man I'm so sorry" "by the way I hope you have insurance because I don't" It seriously makees you want to beat them with a baseball bat for as nonchalantly as they say it.

I'm pretty sure insurance in mandatory in all 50 states. No insurnance = a big ticket and with MI being a no fault state, if you are involved in an accident and you don't have insurance, it's tough luck chuck, you get to pay for damages out of your own pocket.

[wildchild]

I'm pretty sure insurance in mandatory in all 50 states. No insurnance = a big ticket and with MI being a no fault state, if you are involved in an accident and you don't have insurance, it's tough luck chuck, you get to pay for damages out of your own pocket.

not required here.

[derf]

I have a suspended NY liscense, but I am also driving on a current NJ liscense. So it is quite possible that she is driving legally.

What happened was in my case I was a liscensed NY resident then movedto NJ in 2000. 2 weeks later I was carjacked and the car was involved in an accident but the person that sued me tried to serve me papers based on the NY address, the papers were served to my old landlord who never gave them to me so i never showed in court. I changed my liscence over in Nov of 2000 and have had it ever since, however if you look up my name in the NY police database it says my liscense has been suspended since 2001. I found this out in early 2008 when a cop buddy looked me up and told me about it. As far as anyone has been able to tell me is that I need to establish a physical address in NY pay almost 2k in surcharge fees and retake my driving test. I talked to a lawyer who said that this will eventually come back to haunt me except for the fact that when my lic was suspended in NY I had already been living and licsensed in NJ for about a year, and I have my abstract to prove it.

[BobTheBiker]

far as I know the only state out there that DOESNT require insurance is NH, bu that may have changed recently too. idk.

[RACER X]

A police report will indicate she has a suspended license and the insurance company will not cover. The only thing they will cover is a non moving comprehensive claim(fire, theft, vandalism...).

do they pay for the persons car "she" runs into?

i thought FLA was a no ins. state. dunno

[Rider]

do they pay for the persons car "she" runs into?

No, that's why you HAVE to carry uninsured motorist in MI.

[RACER X]

No, that's why you HAVE to carry uninsured motorist in MI.

same in TX, i mean you don't have to but w/ something like 40+% of cars w/o ins. , you'd be stupid not too.

[BobTheBiker]

we require insurance last I checked, but all we require is a very minimalist liability coverage really. doesnt cover personal injury claims I dont think, its just paying out if you hit someone else and are cited as at fault.

down here its something like 2 out of every 5 dont have insurance, probably more like 3 of 5 lately, but I wouldnt know for sure. its a scary number so uninsured/underinsured coverage is a wise addition on anyones policy.

[the chi]

I'm pretty sure driving with no insurance isnt a felony in FL unless some law was revised recently.

in FL you probably can get insurance with a suspended license, BUT I know few reputable insurance companies will write you a policy. the cheapo crap companies prbably will though.

I cant find where it states its a felony, I may be mistaken, but penalties are very severe, FL doesnt mess around with that kinda thing. Unfortunately it seems they never catch the offenders. Here's a link or Floridas rules...

http://www.flhsmv.gov/ddl/frfaqgen.html

Heather, you find out what TX requires?

[skiergirl]

A state and only revoke your right to drive in their state. they cannot take another state issued licensed but they can revoke your right to drive in their state. So like in Derf's case, he is completely legal to drive in every state Except NY. And he will have no problems until his NJ license renews. They will then see it suspended in NY and reciprocity comes into play and they will suspend it in NJ too.

You're fine until a license renewal comes up though....

I doubt that is this ladies problem though.....the problem with suspending licenses is they do it for ridiculous amounts of time so people take the chance and drive anyway. I mean how are you supposed to get to work, etc for a year or 2 with no license...yes you CAN do it but most people won't inconvenience themselves. They will take the fine and get caught.

[the chi]

do they pay for the persons car "she" runs into?

i thought FLA was a no ins. state. dunno

Its a no fault state, not a no insurance state...

[the chi]

A state and only revoke your right to drive in their state. they cannot take another state issued licensed but they can revoke your right to drive in their state. So like in Derf's case, he is completely legal to drive in every state Except NY. And he will have no problems until his NJ license renews. They will then see it suspended in NY and reciprocity comes into play and they will suspend it in NJ too.

You're fine until a license renewal comes up though....

I doubt that is this ladies problem though.....the problem with suspending licenses is they do it for ridiculous amounts of time so people take the chance and drive anyway. I mean how are you supposed to get to work, etc for a year or 2 with no license...yes you CAN do it but most people won't inconvenience themselves. They will take the fine and get caught.

But they do typically provide programs for hardship, like driving only to work, home or school...

[HurricaneHeather]

Okay, I called my insurance agent about it.

She says they will insure you because you are required to have insurance to get your license out of suspended status. If it turns out that got insured and didn't take care of the fines or whatever, then they will cancel the policy.

I asked about the insurance co. covering the costs in case of an accident with the policy holder having a suspended license and she said it depends on the company.

So, no real answer. :lol:

This lady is facing no special circumstance with these fines or suspension. She knows exactly what they were for, what she needs to do to correct it, stated the exact amount she has to pay to get her license out of suspended status and said(a direct quote) 'I just don't feel like paying them. I have shoes to buy.' :mad:

[derf]

A state and only revoke your right to drive in their state. they cannot take another state issued licensed but they can revoke your right to drive in their state. So like in Derf's case, he is completely legal to drive in every state Except NY. And he will have no problems until his NJ license renews. They will then see it suspended in NY and reciprocity comes into play and they will suspend it in NJ too.

You're fine until a license renewal comes up though....


I've renewed it since already, had 2 copies made, registered 3 cars 3 bikes, added the CDL class A with airbrakes plus bus endorsement and a motorcycle endorsement since. Earlier this year I added the boating endorsement. I don't see it being suspended any time soon, nor am I willing to establish a residence in NY to retake all those tests only to not live there.

[BobTheBiker]

This lady is facing no special circumstance with these fines or suspension. She knows exactly what they were for, what she needs to do to correct it, stated the exact amount she has to pay to get her license out of suspended status and said(a direct quote) 'I just don't feel like paying them. I have shoes to buy.' :mad:
she doesnt deserve to have a license or a car in this sort of instance. no excuse at alll.


Also, many states are linked together now so that if you attempt to obtain a license in say FL while your PA license is suspended due to unpaid tickets or something you cannot get a license, or you might but it'll come up in the DMV database and they'll send a notice of suspension until you clear up issues in whatever state you're suspended in to begin with.

[neebelung]

Oh, this girl knows it. She knows what she has to do to correct it, but refuses to pay her fine.

Eh, that's just weird ... Sounds like there's more she's not telling you. Since you can go to jail for driving on a suspended license, I can't imagine KNOWINGLY doing that... Weird.

[HurricaneHeather]

Eh, that's just weird ... Sounds like there's more she's not telling you. Since you can go to jail for driving on a suspended license, I can't imagine KNOWINGLY doing that... Weird.

Maybe, but from everything else I know about her, she is just irresponsible beyond comprehension.

When she is out of the office, all her emails get forwarded to me. Every week she gets an email about money she owes to a pay day advance loan place, and she regularly gets emails from people on Craigslist that she has inquired about things to buy. She also comes in and brags about all the cute clothes she bought for her daughters and this camera she got on sale...:blah::blah::blah:

She's pretty ridiculous.

[BobTheBiker]

Maybe, but from everything else I know about her, she is just irresponsible beyond comprehension.

When she is out of the office, all her emails get forwarded to me. Every week she gets an email about money she owes to a pay day advance loan place, and she regularly gets emails from people on Craigslist that she has inquired about things to buy. She also comes in and brags about all the cute clothes she bought for her daughters and this camera she got on sale...:blah::blah::blah:

She's pretty ridiculous.

aka a financial retard that needs a court appointed guardian to handle her finances.

[101lifts2]

If you're not suppose to drive, why would you pay for insurance. duh!

[Cutty72]

If you're not suppose to drive, why would you pay for insurance. duh!

Many reasons.
1. If your vehicle isn't paid off, you have to have it insured.
2. If you can't drive, you are probably bumming rides. Least you can do is offer to take your ride when they drive.
3. Other stuff can happen even if vehicle is parked.

And in ND, you can get insurance, and even buy a vehicle without a license.

[Rangerscott]

You can get insurance in texas without even having an M endorsement. I personally know that.

The bike has to be insured before you can get tags for it of course.


I know some states require you to have a license to get insurance but you have to have insurance before you can get a license. Ooooooo the great DMV adventures. :lol

[marko138]

up here lately it seems the standard is for someone to hit you then jump out and say "oh man I'm so sorry" "by the way I hope you have insurance because I don't" It seriously makees you want to beat them with a baseball bat for as nonchalantly as they say it.

That should absolutely be allowed.

[wildchild]

in fla you are required to have insurance on a car, but unless they have closed the loophole you are not required to ins a bike.

[EpyonXero]

in fla you are required to have insurance on a car, but unless they have closed the loophole you are not required to ins a bike.

Yeah, motorcycle insurance is not required.

[marko138]

Yeah, motorcycle insurance is not required.
That is wacky...whats the reasoning?

[Apoc]

Because a co-worker mentioned she has had a suspended license for over 4 years and yet she owns a car, and drives every single day. Pisses me off to no end.


You can insure anything here, licensed or not. I had insurance on my rc51 for two years while I rode with no motorcycle endorsement.

But, that said, Why the fuck do you care what someone else does? How is it any of your business?. She's an adult, if she wants to drive without ins, its totally up to her. It really isnt affecting you in any way.

[RACER X]

She's an adult, if she wants to drive without ins, its totally up to her. It really isnt affecting you in any way.
sure it does. there's a policy we have called under-insured and un-insured motorist insurance, so that if you get hit by somebody w/o or not enough ins. "your" ins. co still pays the claim. w/ ~40% of people driving w/o insurance it's stupid not to have it, but if only 5-10% or ?? didn't, we prolly wouldn't need it. therfore lower rates.

some cities here will tow your car if you don't have a license or ins. on a traffic stop. and i applaud them. if your car/bike doesn't have ins. it shouldn't be on the road.

ins. protects me from them.

[HurricaneHeather]

You can insure anything here, licensed or not. I had insurance on my rc51 for two years while I rode with no motorcycle endorsement.

But, that said, Why the fuck do you care what someone else does? How is it any of your business?. She's an adult, if she wants to drive without ins, its totally up to her. It really isnt affecting you in any way.

What do you care what I do? I'm an adult if I want to find out if she is one of the unisured motorists driving up my insurance premiums, it's totally up to me. It really isn't affecting you in any way.

[Apoc]

i find it funny how you think its other uninsured motorists bringing up your rates, when its actual corporate greed.

Keep uninsured motorists on your policy, and you dont have to worry what they do. Its ridiculous to try and intentionally fuck up someones life more than it already is.

You remind me of the frenchman up here fighting to get in the foremans office.

"I wanna tell'

"No, you told last time, I wanna tell this time"

"Its my turn to tell"

sickening.

[Rangerscott]

If u dont have unisured motorist added to your insurance then your scewed if someone hits u without insurance. If they have the money but just dont want to pay for insurance then u can win in court.

Apoc, unisured motorist do jack insurance rates and so do people that keep wrecking. You're an idiot if u dont believe that.

[azoomm]

i find it funny how you think its other uninsured motorists bringing up your rates, when its actual corporate greed.

Keep uninsured motorists on your policy, and you dont have to worry what they do. Its ridiculous to try and intentionally fuck up someones life more than it already is.

You remind me of the frenchman up here fighting to get in the foremans office.

"I wanna tell'

"No, you told last time, I wanna tell this time"

"Its my turn to tell"

sickening.

Clearly you've never been hit by someone that doesn't have insurance. It sucks hard.

[HurricaneHeather]

You remind me of the frenchman up here fighting to get in the foremans office.


Well I am French. :nee:

[the chi]

And im thinking Heather has plenty of room to be concerned about people not carrying insurance after her wreck...I cant remember if they had it or not, but if she hadnt what would she have done? And this woman mentions kids, if she has no insurance, and she crashes, she wont be covered, the others involved wont, AND her kids could be hurt...then she could get sued for the accident and lose everything...just sayin...

[RACER X]

i find it funny how you think its other uninsured motorists bringing up your rates, when its actual corporate greed.

Keep uninsured motorists on your policy, and you dont have to worry what they do. Its ridiculous to try and intentionally fuck up someones life more than it already is.

.

more laughable that you only think that corp. greed is the only prob.

even if you're in an accident w/ somebody w/o ins. their are loopholes w/ that. + you'll end up paying your deduc. so even if you're covered you're out your deduc.

so fruk! those that don't have ins. and ride/drive.

[the chi]

I actually understood you that time RX...:lol:

[HurricaneHeather]

I actually understood you that time RX...:lol:

:lol: But how many times did you have to read it? It took me about 3 times. :lol:

[the chi]

:lol: But how many times did you have to read it? It took me about 3 times. :lol:

Only once, thats the scary part!!

[EpyonXero]

That is wacky...whats the reasoning?

Im not sure but its probably because most motorcycle accidents dont involve another vehicle.

[Apoc]

more laughable that you only think that corp. greed is the only prob.

even if you're in an accident w/ somebody w/o ins. their are loopholes w/ that. + you'll end up paying your deduc. so even if you're covered you're out your deduc.

so fruk! those that don't have ins. and ride/drive.


The insurance industry had record years leading up to this recession. Billions of dollars in profit every quarter, broke every record most companies had, by raising rates needlessly and without regulation.

The money they pay out compared to the money they make is very small. So it isnt uninsured motorists and people wrecking driving up your rates. Your naive if you think its a major factor. If there was 0 accidents, you would still be paying out your ass for insurance.

[shmike]

The insurance industry had record years leading up to this recession. Billions of dollars in profit every quarter, broke every record most companies had, by raising rates needlessly and without regulation.

The money they pay out compared to the money they make is very small. So it isnt uninsured motorists and people wrecking driving up your rates. Your naive if you think its a major factor. If there was 0 accidents, you would still be paying out your ass for insurance.


A quick Insurance quiz:

Which policy costs more?

Policy A: 100/300/100 limits WITHOUT uninsured/underinsured coverage.

Policy B: 100/300/100 limits WITH unisured/underinsured coverage.

[Apoc]

A quick Insurance quiz:

Which policy costs more?

Policy A: 100/300/100 limits WITHOUT uninsured/underinsured coverage.

Policy B: 100/300/100 limits WITH unisured/underinsured coverage.

why would you want the first anyway? Is the extra 20 bucks a month supposed to bother me?

[shmike]

why would you want the first anyway? Is the extra 20 bucks a month supposed to bother me?

Time is almost up and the question hasn't been answered....


Which policy costs more?

[z06boy]

I know which one is worth more. :lol: Yeah I know...that wasn't the question.

Can you even get full coverage without uninsured/under insured ?

[the chi]

I know which one is worth more. :lol: Yeah I know...that wasn't the question.

Can you even get full coverage without uninsured/under insured ?

It may be state specific, but I have full coverage on the bike, with (currently) no coverage for uninsured people (Im not currently riding either). My insurance agent actually told me on the phone yesterday that as long as I have health insurance, I dont need it...kinda scary actually.

[z06boy]

It may be state specific, but I have full coverage on the bike, with (currently) no coverage for uninsured people (Im not currently riding either). My insurance agent actually told me on the phone yesterday that as long as I have health insurance, I dont need it...kinda scary actually.

That may be legal here in NC too...I've never asked and just always had it since it didn't jack my rates up that much.

We have so many people running around here with no insurance I've just always had it.

[the chi]

Ditto. I wasnt even aware I didnt have it till they sent me a form agreeing to renew it without the uninsured coverage. Everything else however I have full with all possible forms of insurance, PLUS TLP on all cars I own.

Been there, done that, burned the Tshirt.

My x was hit in our Cherokee, by a 21 yr old, in his girlfriends car that her father actually owned, who wasnt authorized to be driving it and didnt have his own insurance...it was a MESS.

[wildchild]

It may be state specific, but I have full coverage on the bike, with (currently) no coverage for uninsured people (Im not currently riding either). My insurance agent actually told me on the phone yesterday that as long as I have health insurance, I dont need it...kinda scary actually.


no no no seriously, call your agent and check but I think what he did was remove your medical coverage from your policy. they do it here a lot in order to lower people's premiums. problem is your health ins may not want to cover some expenses from a wreck. I had a buddy go down on a bike and they had removed med from his policy. problem is he had quit his job and was self employed. no health coverage at all. tons of trouble. lots of bills.

[Particle Man]

Not in NY

tom

yep. DMV effed up and had it noted that my license was suspended (it wasn't) and my ins. company dropped my existing coverage until it got cleared up (eventually involved lots of yelling and screaming on my part to get the DMV to get their heads out of their ass and realize that just because I have the same name as someone else it doesn't mean I'm the same freakin' person)

[wildchild]

yep. DMV effed up and had it noted that my license was suspended (it wasn't) and my ins. company dropped my existing coverage until it got cleared up (eventually involved lots of yelling and screaming on my part to get the DMV to get their heads out of their ass and realize that just because I have the same name as someone else it doesn't mean I'm the same freakin' person)


really? how do you know that? maybe it's a whole jekyl/hyde kind of thing you got going on there. :tremble: you just don't know about your alter ego yet, or you haven't admitted to it.

[HurricaneHeather]

really? how do you know that? maybe it's a whole jekyl/hyde kind of thing you got going on there. :tremble: you just don't know about your alter ego yet, or you haven't admitted to it.

:lol:

Yeah, Particle you better not lie on the internet. We will call you out sucka.

[the chi]

no no no seriously, call your agent and check but I think what he did was remove your medical coverage from your policy. they do it here a lot in order to lower people's premiums. problem is your health ins may not want to cover some expenses from a wreck. I had a buddy go down on a bike and they had removed med from his policy. problem is he had quit his job and was self employed. no health coverage at all. tons of trouble. lots of bills.

:lol: I am only biding my time with this agent. I know its crap, that was kinda the point, and how scary it is they would even say that, tho I understand trying to save $. Thankfully I am a military dependent, so all my medical is covered in the event of an accident. When I get to GA next month and begin riding again, I'll adjust it. This is only my bike insurance tho, not my car...

[azoomm]

Let's see, given the choice.... I'd rather opt to have insurance $20 less please. :skep:

I don't, because I don't trust humans as far as I can throw them. But, I'd prefer that everyone follow the rules. Fuckers.

[Rider]

Let's see, given the choice.... I'd rather opt to have insurance $20 less please. :skep:

I don't, because I don't trust humans as far as I can throw them. But, I'd prefer that everyone follow the rules. Fuckers.

How far can you throw a midget? :lol

[marko138]

How far can you throw a midget? :lol
Midget Tossing Championships. Lets do it.

[Particle Man]

really? how do you know that? maybe it's a whole jekyl/hyde kind of thing you got going on there. :tremble: you just don't know about your alter ego yet, or you haven't admitted to it.

there's another person in my same area with the same name who even went to the same college I did (couple of years younger) that occasionally screws with the local official places. It's not the first time and it probably won't be the last.

[azoomm]

How far can you throw a midget? :lol

See, those little buggers I trust less... :lol:

[Particle Man]

Midget Tossing Championships. Lets do it.

sounds fun.

ESPN here we come.

[Rider]

sounds fun.

ESPN here we come.

It's already on the The Ocho. I read about it in Obscure Sports Quarterly. :lol

[Amber Lamps]

sure it does. there's a policy we have called under-insured and un-insured motorist insurance, so that if you get hit by somebody w/o or not enough ins. "your" ins. co still pays the claim. w/ ~40% of people driving w/o insurance it's stupid not to have it, but if only 5-10% or ?? didn't, we prolly wouldn't need it. therfore lower rates.

some cities here will tow your car if you don't have a license or ins. on a traffic stop. and i applaud them. if your car/bike doesn't have ins. it shouldn't be on the road.

ins. protects me from them.

Yep just ask Derf or Dave how that goes!!!:lol: I do disagree that the ins companies will pass on the savings to you.

[wildchild]

Midget Tossing Championships. Lets do it.

i thought the midgets died in Mexico? LOL

[Amber Lamps]

If u dont have unisured motorist added to your insurance then your scewed if someone hits u without insurance. If they have the money but just dont want to pay for insurance then u can win in court.

Apoc, unisured motorist do jack insurance rates and so do people that keep wrecking. You're an idiot if u dont believe that.


Dude that's nuts! Your insurance is in place to cover your losses not anyone else. This is way out there but that's like saying that your insurance is higher because your neighbor's house burned down and he wasn't covered. When you get in an accident with someone without insurance, the only difference is that your shit gets fixed and theirs doesn't. I noticed that you mentioned law suits, IMHO if you're serious about lowering ins rates, we'll stop all of these stupid and frivolous law suits!!! The amount of money ins companies shell out a year for legal fees is a staggering amount by itself!

[Amber Lamps]

Clearly you've never been hit by someone that doesn't have insurance. It sucks hard.

I'm seriously stupid! I've been in an accident with someone who didn't have insurance, I made a claim to my insurance company, the body shop fixed my car and I was good to go. Kinda like when I got into an accident with someone who had insurance, I made a claim to my insurance company, the body shop fixed my car and I was good to go... I don't see the difference, I honestly don't. Hell, I don't even ask the other driver if they are insured, what do I care?:idk:

[Amber Lamps]

:lol: But how many times did you have to read it? It took me about 3 times. :lol:


Me too! Is this guy drunk or what?:lol:

[azoomm]

I'm seriously stupid! I've been in an accident with someone who didn't have insurance, I made a claim to my insurance company, the body shop fixed my car and I was good to go. Kinda like when I got into an accident with someone who had insurance, I made a claim to my insurance company, the body shop fixed my car and I was good to go... I don't see the difference, I honestly don't. Hell, I don't even ask the other driver if they are insured, what do I care?:idk:

:skep:

Right.

Yup. Not a care in the world... why would you want to hold someone accountable for their actions. If it was really an accident, then no problem. But, being hit by someone at fault in the situation - [running a stop, too fast for conditions, plowing into me] THAT I have an issue with. I should not have to pay for someone else being a dumb-dumb.

[Amber Lamps]

:skep:

Right.

Yup. Not a care in the world... why would you want to hold someone accountable for their actions. If it was really an accident, then no problem. But, being hit by someone at fault in the situation - [running a stop, too fast for conditions, plowing into me] THAT I have an issue with. I should not have to pay for someone else being a dumb-dumb.

See honey-lamb that's the difference! I can see someone being angry that some dumb ass hit them, I once spent a few days in jail over losing my cool after an accident.:lol: I don't see why it matters if they have insurance or not. If you are covered then you have nothing to worry about. Your medical bills are paid, your property will be replaced, your vehicle will be repaired. Theirs won't. I pay for insurance because I want my shit covered NOT because I'm afraid of the law or whatever.:lol: Besides, if you are talking about suing the shit out of their insurance company, well I'm not sure how you're punishing them per se'.:idk: What really raises rates IMHO is the people that think that even though their medical bills are being paid and all of their expenses have been taken care of they still deserve thousands/millions of dollars on top of that.