by ojasverda » Sat Dec 27, 2008 08:17 pm
the other vehicle failed to yield the right away at the intersection. and t-boned me.. however i have no insurance but they do. who is liable and will it still be on my record and go against my points.
Posted: Tue Dec 30, 2008 01:55 pm Post Subject:
I just learned what a Sr-22 was myself. I guess if you always have insurance you never have to worry about these types of forms which means you wouldn't know much about them. I also could not agree with Nolen more. What would have happened if the tables were turned and the uninsured driver hit an insured driver? It would be one big headache for the person who paid their premiums.
Posted: Wed Dec 31, 2008 12:39 pm Post Subject:
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fireyone,
You state:
"" It would be one big headache for the person who paid their premiums. ""
Maybe -- Maybe not.
In most cases you are likely correct.... But.... if it were me without insurance. (not that I'm going to do that)
I have a Home Equity Line of Credit with a Zero Balance. I could easily cut a check for the Maximum Pa. State Min. required insurance.
Med 5000 5000
Bi 15000/30000 30000
Prop 5000 5000
_____________ ======
TOTAL 40000
FK
Posted: Wed Dec 31, 2008 12:52 pm Post Subject:
only problem with that fred, is that people who CHOSE to drive uninsured, typcially don't have
a Home Equity Line of Credit with a Zero Balance.
but a good point still if it was an accident that they were uninsured, (ie some mix up and you, i or others were caught in the shorts..) :wink:Posted: Wed Dec 31, 2008 02:05 pm Post Subject:
Yep,
That's why, in my response to fireyone, I stated "In most cases you are likely correct....
FK
Posted: Wed Dec 31, 2008 02:26 pm Post Subject:
Gosh, that really could be the case. So these people could just drive around and not pay insurance for years knowing they have that ace in the hole. Chances are they probaly don't but you never know if the person really has the money to pay for insrance and just doesn't. Reminds me of a simialiar scenorio with the Amish and hunting license in this area. They all make fake tags from cereal boxes and write numbers on them. They say they are not paying for a license to hunt. My hubby and many, many other hunters never get a chance to get a deer from the money they invested in the license because each family has 7 or 8 kids hunting plus themselves . If that doesn't take out ahlf the population of deer then out of season hunting by them does. Nothing against them its just another case of someone feeling they are above the law. Its the people who try to get away with bare minimums or nothing at all that effects everyone else.
Gosh FK you really have me thinking about the home equity thing. Guess you can never tell how someones mind works.
Posted: Fri Aug 19, 2011 06:07 am Post Subject: I dont have insurence but he does
I live in indianapolis, IN. and I was just involed in an accident. Now I dont have insurence it just lapsed, but the other driver that rear ended me does have insurence. Am I at fault and does his insurence copmany have to pay for my car?
Posted: Sat Aug 20, 2011 10:26 pm Post Subject:
Am I at fault
Maybe, maybe not. Probably not.
and does his insurence copmany have to pay for my car?
If the answer to the first question is NO, then the answer to the second question is YES. If the answer to the first question is YES, then the answer to the second question is probably NO.
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