I loathe uninsured motorists

[Wreckem]

Here in Texas, if you don't have insurance, cops take your car. Maybe your license, too.

Depends on where you are at in Texas in terms of them towing the car. Its up to cities on whether or not to tow cars for driving without insurance. And Police cant take your license, but the DPS can revoke it if you have to many points.

In some cities in Texas its about $1000 in fees, fines, and surcharges before you can get your car back. In others they don't tow and if you get insurance before appearance date, its typically dismissed(if its first citation for no ins) and the resulting fine is small + court costs.

 

[Rage187]

This happened to me.

Bitch rear-ended me at a light. No insurance, no license, lied to the cop and she only got a ticket. She paid my $500 deductible over a freakin year, and I had to pay increased rates for years for filing a claim.

 

[Sho'Nuff]

Why do you tell the dealer you had an accident ?

Why would it be better if the guy had insurance?

Dealer would find out anyway by running the VIN. All accident and repair information is recorded electronically now.

 

[Sho'Nuff]

How is your daughter doing btw?

Olivia is doing great, thanks for asking. Really amazing difference pre and post surgery. In the 3 weeks prior to surgery, she gained all of 1 oz. We are now 6 weeks post op, and she has gained almost 3 pounds! She was sore and ornery for a while, but now she is generally a happy and active kid. The only way you would know she had surgery is from the scars on her chest.

That reminds me, I need to update my other thread with some new pics.

 

[alkemyst]

I'd recommend everyone carry un/underinsured motorist coverage. Down here in S. Florida something like 1 out of 3 drivers do not even have basic insurance, yet alone adequate if they do.

 

[AstroManLuca]

Once in a while it works out. My wife let her sister borrow her car last year and she promptly rear ended someone. I was obviously extremely worried that we'd get a rate hike and lose our accident-free discount. But the guy she hit ended up never filling a claim even though we gave him out insurance info. We made a claim against our own insurance to fix the damage to our car but our rates didn't go up - in fact they went down slightly. Also no police report was filled because even though they were called, they were out in the boonies and weren't able to respond.

Our guess is the guy was uninsured. Had he been insured he might have followed through.

 

[Sho'Nuff]

Someone bumped into my car and caused superficial damage. I NEED TO SELL MY CAR IMMEDIATELY AND BUY A NEW ONE.
*value is down*
WHY DO THEY OFFER LESS WHEN THEY KNOW I AM DESPERATE TO SELL?

I'm not desperate to sell, and I informed the dealer of that fact. While towing capacity would be nice, I'm not going to rush into a $30-40k transaction just for that.

 

[Sho'Nuff]

I agree. Sue. The accident was his fault and him telling you he would pay constitutes a verbal contract. I'm surprised the insurance hasn't taken him to collections.

They have, but the guy has no money. So, there is nothing to collect.

 

[alkemyst]

Dealer would find out anyway by running the VIN. All accident and repair information is recorded electronically now.

If the work was done at the dealership it would show up.

I have found even my own car that I have had repaired didn't show up on carfax.

 

[Baked]

You're alive, you are not disabled, you have all 5 senses, you have a family. Your life is perfect compared to A LOT of people. Don't act like a typical high school/college girl. Thanks.

 

[Ricochet]

Yeah, I know it sucks major donkey. I know how you feel.

Every car accident I have been involved in was caused by an uninsured motorist and hit-and-run (probably uninsured too). One of the accident my car was declared totaled. The one reason I kept comprehensive coverage on my car even though it's paid off. AFAIK my insurance co was never ever successful in extracting money from the other party. Such is the reality of our driving privilege. It sucks and really unfair but it's the fact of life.

 

[OutHouse]

^^ This.
Nothing against you, OP, but I have spent enough time around dealerships, Used car lots, and have had a couple of car salesmen in my family.
One sure thing: no matter what they tell you they are giving you for your trade-in, you would be lucky if you are actually getting 50-75% of what they tell you! (It is typically less than 50% on older models)

Don't believe me?
Ever wonder why your "trade-in" is priced less on the lot than they "gave" you for it?
They are certainly not selling them at a loss.

correct, any dealereships bread and butter is used cars and the service dept. they dont make shit on new car sales.

 

[jagec]

And if asked "was the vehicle involved in an accident", the only honest thing to do.

Lying about accidents and the like is the same as not carrying insurance.

I agree, but on the SLIM chance that they don't ask, no point in bringing it up for a fender bender that was fully repaired.

I'd recommend everyone carry un/underinsured motorist coverage. Down here in S. Florida something like 1 out of 3 drivers do not even have basic insurance, yet alone adequate if they do.

Absolutely, un/underinsured motorist coverage has saved my rear in the past.

Also always carry comprehensive. All of these forms of coverage are remarkably inexpensive for what they are.

Really collision is the only coverage that's worth omitting, depending on the car that you drive and your personal circumstances.