I wonder what effect mandatory insurance and the state\’s ability to track insurance has on this issue? One would expect New York (with its high insurance costs) to be higher than 7% but New York has mandatory insurance and does track insured status.
It\’s not that hard to beat the system. You get insurance, renew your license/registration, then don\’t pay the premium bill. Ta da, in a month you\’re uninsured. Happens all the time, in most states. Even with the states fining folks for not having insurance, they drive without it, then drive w/o registration and on suspended licenses.
Then of course, there are some states like Mississippi who even though there is a mandatory insurance law in effect, does not in force the law. The only way that I will get penalized for not having insurance, is IF I get into an accident, and the police officer writes me a ticket for no insurance. They do not check for insurance at the time of your license/registration renewal.
I am wondering how these procentages split between legals and illegals.
Nobody gives statistics on how many illegals are involved in car accidents and how are the insurances treating these cases?Like hit an run so they would protect the illegals!?
insurancejournal.com might want to change the font for the anti-spam. Cofusions take place, LIKE BETWEEN 8 AND B!
A large percentage of the uninsured. In CT where I live, we read about at least 3 per day who 1.) Are driving drunk to the point of complete intoxication where they have run into something, drove at 3am with no headlights, etc. 2.) Are cited for driving with no insurance, no registration and no drivers license. All are described as a \”resident\” of Danbury, CT but never described as \”undocumented immigrant\”, \”migrant\” or \”illegal alien\”.
I was rear-ended by one of these wonderful additions to the U.S. economy. She was speeding through our neighborhood and hit my car as I was backing out of my driveway. I called the cops to file a report. No license, no \”seguros\”, and and expired registration. I paid my deductible, and my carrier boosted my rate! If it had been me driving irresponsibly, my name would\’ve been emblazened all over the newspapers. There was not even a mention which would lead me to believe no penalty was imposed on the tortfeasor.
The state should create allow which would automatically take possession of an insured vehicle and not release the vehicle for 10 days giving the driver time to prove and verify coverage. If no coverage is proven during the violation date, the state should assume possession of the vehicle. This will deter drivers from even take the risk. My wife was involved in an accident with an uninsured motorist and we\’ve had to flip the bill for the auto repair and medical bills because of this idiot! I\’m really pissed about this. As far as I know, the officer didn\’t even give the other driver a citation or have her vehicle towed in. In fact he did such a lousy job on the report, he didn\’t even include insurance information. On top of that it was lost in the police records and stil has not been recreated.
Big Insurance – On the surface of your description you were at fault in that accident. You backed into the street into the path of a vehicle in the roadway – you failed to yield the right-of-way and were the proximate cause of the accident – and it is obvious that your insurance company realized you were at fault since they are surcharging you for the accident. The fact that the other driver was doing something wrong does not change the fault in the situation you describe. Whether they had insurance or a current registration or (in YOUR opinion) was speeding is not germaine when you back into traffic.
A good example of that type of situation occurred here recently. A person, under the influence, stopped at a stop sign at a four way stop. Then drove into the intersection where he was struck by a minister’s wife who failed to stop at her stop sign. Granted, he was DUI, but her actions caused the accident. We could never really convince her that she was at fault, but the insurance company did surcharge and rightly so.
I would like to see an honest report of actual fact regarding ” the fact that uninsured drivers, who are not drunkards, actualy have a significantly lower incident(accident) rate. I do not accept the reports from police, judicial systems or insurance companies or other agencies bought and paid-off by the forelisted.
In general and by my observation those who have insurance, especially but not limited to the drivers under about 40yr old, tend to have the mentality that everyone owes them so they do not practice safe/ defensive driving, and combine the thought that ” let them hit me” or ” who do you think you are” and usually cause the incident themself. If it be with an uninsured driver as their victum, nearly all of the time, at least in Illinois, the uninsured driver gets the ticket(s) simply because he is uninsured, not complyant with this terrible law that costs us all tons of mony. Remember the LIE ” THE MANDITORY AUTO INSURANCE LAW WILL SAVE LIVES and MONY, exactly the opposite IS the case. We need to simply get STUPID people off the road, and politicians out of our pockets.
Bruce – Most drivers don’t think like you contend. You scenario has them out there just waiting for an accident. NOT SO.
Get the stupid people off the road – great idea.
Stupid people include those who drive without insurance! I sure don’t want to get in an accident with someone with no insurance. Granted, my uninsured motorist coverage will take care of come of my expenses – but not all of them.
Responsible people think beyond the end of their noses – and uninsured motorists are thinking only of them selves.
Sure, some of the uninsured motorists are going to be more careful – because they know that they will get caught if they are in an accident. But too many of them just don’t bother to get their insurance.
Hey – I know of folks who will go the insurance office, get insurance with the lowest downpayment they can get by with just to get their car registered and they have no intention of making any more payments.
I am glad that we have laws mandating auto insurance, too bad they don’t mandate higher coverages. gotta keep the lawers with their cut of the lawsuits happy
I wonder what effect mandatory insurance and the state\’s ability to track insurance has on this issue? One would expect New York (with its high insurance costs) to be higher than 7% but New York has mandatory insurance and does track insured status.
If it\’s mandatory then how can it be greater than 0%?
Because, silly rabbit, some folks will ALWAYS try to beat the system.
It\’s not that hard to beat the system. You get insurance, renew your license/registration, then don\’t pay the premium bill. Ta da, in a month you\’re uninsured. Happens all the time, in most states. Even with the states fining folks for not having insurance, they drive without it, then drive w/o registration and on suspended licenses.
Then of course, there are some states like Mississippi who even though there is a mandatory insurance law in effect, does not in force the law. The only way that I will get penalized for not having insurance, is IF I get into an accident, and the police officer writes me a ticket for no insurance. They do not check for insurance at the time of your license/registration renewal.
I am wondering how these procentages split between legals and illegals.
Nobody gives statistics on how many illegals are involved in car accidents and how are the insurances treating these cases?Like hit an run so they would protect the illegals!?
insurancejournal.com might want to change the font for the anti-spam. Cofusions take place, LIKE BETWEEN 8 AND B!
A large percentage of the uninsured. In CT where I live, we read about at least 3 per day who 1.) Are driving drunk to the point of complete intoxication where they have run into something, drove at 3am with no headlights, etc. 2.) Are cited for driving with no insurance, no registration and no drivers license. All are described as a \”resident\” of Danbury, CT but never described as \”undocumented immigrant\”, \”migrant\” or \”illegal alien\”.
I was rear-ended by one of these wonderful additions to the U.S. economy. She was speeding through our neighborhood and hit my car as I was backing out of my driveway. I called the cops to file a report. No license, no \”seguros\”, and and expired registration. I paid my deductible, and my carrier boosted my rate! If it had been me driving irresponsibly, my name would\’ve been emblazened all over the newspapers. There was not even a mention which would lead me to believe no penalty was imposed on the tortfeasor.
The state should create allow which would automatically take possession of an insured vehicle and not release the vehicle for 10 days giving the driver time to prove and verify coverage. If no coverage is proven during the violation date, the state should assume possession of the vehicle. This will deter drivers from even take the risk. My wife was involved in an accident with an uninsured motorist and we\’ve had to flip the bill for the auto repair and medical bills because of this idiot! I\’m really pissed about this. As far as I know, the officer didn\’t even give the other driver a citation or have her vehicle towed in. In fact he did such a lousy job on the report, he didn\’t even include insurance information. On top of that it was lost in the police records and stil has not been recreated.
Last time I checked, the car starts even without an inforce policy. ;)
Big Insurance – On the surface of your description you were at fault in that accident. You backed into the street into the path of a vehicle in the roadway – you failed to yield the right-of-way and were the proximate cause of the accident – and it is obvious that your insurance company realized you were at fault since they are surcharging you for the accident. The fact that the other driver was doing something wrong does not change the fault in the situation you describe. Whether they had insurance or a current registration or (in YOUR opinion) was speeding is not germaine when you back into traffic.
A good example of that type of situation occurred here recently. A person, under the influence, stopped at a stop sign at a four way stop. Then drove into the intersection where he was struck by a minister’s wife who failed to stop at her stop sign. Granted, he was DUI, but her actions caused the accident. We could never really convince her that she was at fault, but the insurance company did surcharge and rightly so.
http://www.libertymutual.com/lm/andrewpace
I would like to see an honest report of actual fact regarding ” the fact that uninsured drivers, who are not drunkards, actualy have a significantly lower incident(accident) rate. I do not accept the reports from police, judicial systems or insurance companies or other agencies bought and paid-off by the forelisted.
In general and by my observation those who have insurance, especially but not limited to the drivers under about 40yr old, tend to have the mentality that everyone owes them so they do not practice safe/ defensive driving, and combine the thought that ” let them hit me” or ” who do you think you are” and usually cause the incident themself. If it be with an uninsured driver as their victum, nearly all of the time, at least in Illinois, the uninsured driver gets the ticket(s) simply because he is uninsured, not complyant with this terrible law that costs us all tons of mony. Remember the LIE ” THE MANDITORY AUTO INSURANCE LAW WILL SAVE LIVES and MONY, exactly the opposite IS the case. We need to simply get STUPID people off the road, and politicians out of our pockets.
Bruce – Most drivers don’t think like you contend. You scenario has them out there just waiting for an accident. NOT SO.
Get the stupid people off the road – great idea.
Stupid people include those who drive without insurance! I sure don’t want to get in an accident with someone with no insurance. Granted, my uninsured motorist coverage will take care of come of my expenses – but not all of them.
Responsible people think beyond the end of their noses – and uninsured motorists are thinking only of them selves.
Sure, some of the uninsured motorists are going to be more careful – because they know that they will get caught if they are in an accident. But too many of them just don’t bother to get their insurance.
Hey – I know of folks who will go the insurance office, get insurance with the lowest downpayment they can get by with just to get their car registered and they have no intention of making any more payments.
I am glad that we have laws mandating auto insurance, too bad they don’t mandate higher coverages. gotta keep the lawers with their cut of the lawsuits happy