New Fun Texas Law! READ THIS!!!!

This is what I don't get about insurance: I have been paying about the same premium for 3 years on a car (my wife's 99 LAnd Rover) yet the POS is worth a third of what I paid for it. It should get cheaper as the vehicle decreases in value.

Justin

 

EXACTLY, Hatch!!!

 

Best law to come to TEXAS!!

Now! Lets get to building that fence!

 

You tell um girl

 

Ontario has has it for years. We pay the highest insurance in north america. $5000 fine for being caught driving with no insurance. And if caught with no insurance - they tow the car to you house on your dime.

I pay $255 a month to keep insurance on a 10 and a 20 year old vehicle with a combined worth of under $5000. No accidents ever. No points off my licence.

Government legalized extorsion.

 

What Hatch is saying, and I've long said...is that if this "law" was truly meant to "protect" everyone...why not insure the DRIVER and not the CAR(s)??? That way, you could drive your 58, your Mom's station wagon, or any car in the world because YOU would have insurance!

Do all fifteen of your dead Pontiacs need to be covered by fifteen different policies for any LOGICAL reason? Nope...just because the laws are written and enforced to line the pockets of the insurance companies!

They KNOW you can only drive one car at a time...but they've made sure that the law states that every VEHICLE (not every MOTORIST) be insured! MORE MONEY that way!!!

I'm glad you're so happy to conform to the sytem...they LIKE people like you!!

 

So what's the persentage of illigals driving around your town without insurance now?
Probably pretty low I would imagine.
Sounds like a safe place to live and raise a family in that aspect of the crime relm.
You still act as if the insurance you buy is for you. It's not. It's for who ever you acidentaly harm. It's to keep you from getting sued and loosing everything you own.

 

That works out well for the rich people, doesn't it???

The ones with assets and money to LOSE?

Let them have their insurance!

Poor people don't need it...because nobody wants half of nothing!!!

 

Come on people...insurance is a fucked theory from the gitgo. BUT!!! I was damn glad that both the jackass that hit me and I had insurance. The ER bill alone was almost $15k...by the time I was done the whole bill was over $150k. If he or I hadn't been covered...

No thanks...think I'll pass on THAT bill and pay the damned insurance.

As long as insurance is a profit-bearing industry, we'll all be gettin' fucked. Period.

Olson

 

Go ahead and be a lemming.....

 

That's so that when an unsuspecting friend lends a car to a bud, who assures him he's insured, and the bud kills someone, that the friend doesn't lose everything when his bud says, "oops".

I'm sure no one here would do something like that..*cough* *cough*...

Mutt

 

Very few people would buy insurance if it wasn't mandatory. If not for mandatory insurance, (automobile liability) (home loans) (car loans), the insurance companies and lawyers would have to dream up some other form of extortion. I don't carry comprehensive on my cars, only carry the mandatory liability. Recently I put in a new windshield. If I'd had insurance it would have cost me almost twice as much as it actually did. There has to be a message in there somewhere.

 

Okay class I'm only gonna post this once so pay attention: I happen to be a cop so this is how I know, and if you fall into this category after you've been warned, then you are just plain STUPID.

There are many similar laws on the book in Ca also. For instance this is how the scenario would play out. I stop a car for a minor traffic infraction, say tinted windows. I ask the driver to produce his/hers license, registration, and proof of insurance. The driver states they don't have the insurance, giving me the right to get them out of the car cite them for the appropriate violation and impound their car. At this point the officer conducts a "Vehicle Inventory Impond Search" allowing him to document anything of value that is to be left in said vehicle during impound. During this search, should the officer come across anything illegal such as weapons, drugs, dead bodies etc... the driver can then be arrested for the possession of such items, as long as the chain of events stays in order, the search is constitutional and will hold up making the arrest legal. Now to trump the cop, have all your documents handy, have nothing in plain sight, pray he cannot smell the odor of alcohol or drugs, and DO NOT give consent. Take your ticket and be happy you dodged an arrest if you happen to be doing something illegal. I tell you this for two reasons, 1) I like a challenge, don't make my job any easier. 2) everyone should know their rights and the law. Good luck. Oh BTW I never cite pre 70 cars unless the driver is a real asshole, I'm a warner usually stop 'em to check out the ride and give a warning. I do snap up the ricer's, those kids are dangerous. Happy New Year and Happy Motoring.

 

Good law- glad to see it go in effect.

Can't afford to insure your car? Park it. That way when you run into me I don't have to use every ounce of willpower to keep from beating you senseless. Since I know you can't afford $50 a month for insurance, I know you can't afford to pay to fix my car, either.

Got drugs in your car or an open container? Go to jail, dumbass. My wife & kids are out there on the road. I damn sure don't like the dope-heads & drunks being out there w/ them.

 

In Texas currently 8 out of 10 drivers on the road do not have basic liability.

In DFW, My truck has been hit three times. Two with it parked and me no where to be found. Only 1 of the 3 accidents did people have insurance.

It has been state mandated for years to have insurance. In fact, if caught with out having valid insurance you have to pay a fine to the DMW for three straight years for the privilege of driving. (on top of any fine by the police levied)

Insurance may be a scam but the amount of damage done to property (both public and private) done by immature idiots who drive without insurance is unacceptable.

Why should I have to pay more for insurance because I obey the law to make up for idiots who have a "Freedom to drive without Insurance Rebel Delusional Mentality"?

If you don't have insurance you should not drive, period. First page of drivers handbook says "Driving is a privelege." If you don't have insurance you should not have the privelege to drive.

 

GOOD. Do you have any idea of the number of folks (legal or alien) who drive without any car insurance. In FL it's an epidemic. Come on down and find out!

 

All very interesting...I've read this thread from start to finish. At first, I agreed everybody should be required to be insured and I still do BUT!.....I also agree the person should be insured, not the car. I also think it's unfair to charge me, a law abiding citizen with no tickets and no accidents for over 25 years, so much money simply because I own 5 cars. All of my cars are safe as reflected by my and my wife's driving records.....insure us on our merits. We've worked hard to be safe drivers...don't penalize us just because we have 5 cars.
I've recently sold off all but 2 cars simply because we don't want to pay the high cost of insuring them...
I wonder what I can do to help change these unfair laws.....I'm sure bitching on this board won't do a thing but at least it illuminates several areas I hadn't thought of before. Thanks...

 

I have about 250-300 legal immagrants working for me. We require proof of insurance on all vehicles that will be on our jobs. If insurance is dropped we are notified and they then either loose there job or we furnish for 6% of wages.I 'm damn glad it went into effect. Just buy insurance as required and don't carry illegal drugs. Not that hard. TP

 

A philosopher once said that you're responsible for the choices and actions you make, and the ones you neglect. I'm sure that comes into play here somehow.

And for something related to car insurance, I'm still fucking pissed that my '53 Chevy gets rear-ended by a NON-INSURED, DRUNK driver, and HE sues me for $15K! And fucking wins the trial!!! Now if this new law can actually keep non-insured drivers off the road, I'd be all for it, but it ain't gonna do shit.

 

Yeah. Let the ass that has no insurance cause an accident that hurts my wife or myself. The .44 will come out of the glovebox and they will have a whole different problem than no insurance. I don't speak up on many issues like this that pop up on the HAMB. When it comes to automotive insurance. I believe that everyone should be required to have insurance. What about those who have a 40,000.00 car and wreck it? Hmm, if they didn't have to have insurance on it who would pay for the damage? Or the the case of a total who would pay the financer of the loan for it?

 

If you let your insurance lapse, your financial institution will add insurance onto the vehicle themselves and charge you for it. Not cheap either. It's called "single intrest insurance".

 

If requiring insurance on a car did the things the people say that it does, like;
"keeps the insured off the road" "Protects me", etc. yatta- yatta- yatta- " that would be nice wouldn't it? Of course they have the right to buy insurance if it's such a good deal to them. But to require those that don't want to buy it, now that's thumb-sucking socialism. They weren't born yet when insurance was a reputable business, policies were about facts, reality. They don't get it; that insurance isn't to protect anybody, it's an industry to feed lawyers.

All compulsory insurance laws are unconstitutional...... Wouldn't you think the first to take that up would be the ACLU? But of course they aren't in business, as they proport, to help or protect anybody. It's simpler than that, it don't fit their agenda.

There ain't a lawyer alive that would take that case all the way to the Supreme Court? First of all, No Tort insurer would bond him. Then, he would have to have enough money to fight all of the insurance companies, for a million years, and last of all, all other lawyers in the world would want to kill him. The week before he got there Congress would pass a law making him a criminal, because they're all Lawyers. Should he finally make it, the day before he got there to plead the case, somebody would kill him for sure. The insurance industry is one of the biggest suppressive industries in the history of our nation.

If I didn't have insurance and wrecked my car, who would pay? I would. That's the point. No body else should have to.

 

Smartest point made here so far. My boss argues this issue quite often with the same idea.

 

"I happen to see things a little differently since I've had my daily transportation destroyed twice by uninsured drivers. At first glance I kind of dig this law."

.

Me too, 95 truck destroyed and 4 surgeries caused by an uninsured.

 

How in the Sam Hell did that happen ?

 

If I didn't have insurance and wrecked my car, who would pay? I would. That's the point. No body else should have to.

That's the most valid point I've seen all day. But, unfortunately, this country has become a haven of the "entitlement" attitude. "I DESERVE XXXXX BECAUSE YOU WRONGED ME". Hmmmm.

To some extent, I agree with the arguments about having it. But to the same extent, after almost 15 accident free years on my license, when my truck was hit, while parked, by a 16 year old kid...

Michigan law says that if a parked vehicle is damaged, the moving vehicle's drivers insurance must pay for it. So, we filed a claim against his insurance. They were cooperative, until they got the three estimates I sent. ( I worked in the body biz, so I got one lowball, one about right, and one from the dealer.) Then, I got the GFY attitude. "WE'RE NOT PAYING THAT MUCH, IT'S HALF YOUR FAULT".

Excuse me, my truck was PARKED IN FRONT OF MY FUCKING HOUSE, and YOUR INSURED DRIVER HIT IT.

"Not our problem, we'll give you one third of your average of quotes, and your insurance will have to cover the rest".

So, after 15 accident free years, I have to make a claim to have my truck fixed, and GUESS WHAT? My premium INCREASES!! HOLY COW, BIG SUPRISE!

So, after giving $1100 a year for 15 years (16,500 dollars), I make a claim against them for $4200 (the balance to get the truck fixed right) and my policy goes up 15% a year (165.00).

Tell me again, all of you, how that isn't extortion?

Jay

 

Collision/fire/theft coverage mandated by the financial agency that holds the note on a car that you buy on loan is a whole different affair. The car is THEIRS until you pay it off, and they have the right to require you to keep it insured against loss to protect their investment.

That's not the same thing as giving insurance companies free reign to rape EVERY motorist for EVERY CAR THEY OWN, and then using the police to enforce that extorsion.

People need to rely upon themselves to work things out...if everyone took that attitude, the insurance companies would lose.

Some kid drove into the side of my old daily driver two years ago and I jumped out and read him the riot act. He furnished me with his phone number and address, and assured me that he would pay for the damage as soon as he got paid. True to his word, he came through two weeks later.

No insurance agent got fat off that deal...two people worked it out in the parking lot.

(My car was only a couple years old, but there was no lien on it. I carried liability coverage only, as required by the Extorsionist Government of Michigan.)

The kid and I didn't see the need to involve anyone else in a personal matter. He damaged my property, sucked it up, accepted the responsibility, and paid for it.

(I only asked that he pay the amount of the lowest estimate I got for the repairs, and ended up letting him only pay HALF that amount in the end. The damage was cosmetic and didn't affect the way the car drove, so I wasn't too concerned about having it look like new again. It was just a beater...but on principle, I thought he should pay something for the damage and he did. To his credit, he asked me several times if I wanted the full amount, but I told him not to worry about it.)

Situations such as these prove that people can handle shit on their own...one way or another. I had his home address, phone number, license plate number, and a physical description of him, his girlfriend and their car in case he tried to stiff me on the deal.

Truthfully...had he told me that he couldn't pay the damages, I probably would have let him off with a sincere apology (which he gave anyway, several times). Nobody got hurt, and accidents are part of the risk involved with owning/operating a car. I know that...he knows that, and yet we both drive.

Life's a gamble, but everyone wants a "no-lose" guarantee...and Life doesn't work that way.

There's risks involved...and it should be up to YOU to manage them.

You feel the need to drive a $50,000 SUV that belongs to a bank somewhere? Let the insurance companies fund their greed off of YOU...not common folk driving their old cars and capable of handling things themselves.

Some of you lead far too sheltered lives...you need to get out into the low rent districts and see how things really work. The accident I mentioned above took place in a low income housing area, and the kid driving the car that hit me was no wealthy guy...just a guy scraping by. But he still admitted responsiblilty and held up his end of the deal. Maybe he didn't have insurance...maybe he did? I didn't ask because I didn't care...we worked things out on our own...like you OUGHT to do!

 

Amen!!