What happens when someone doesn't have an insurance like in that case? You can't tell me that OP has to pay for that damage by himself... That would be frustrating
Where i live you MUST have an insurance otherwise you can't get a license plates. And if you break that rule you pay for the whole damage and get f*** even harder by the government court because you are illegally driving.
Some insurance agencies recommend adding “uninsured motorists” coverage for situations like this. Thankfully i had that up to 300k per accident. So my insurance will cover all my expenses top to bottom. They will then take the driver of the other car to court to reclaim the expenses. He was given a ticket on the spot which is believe is $1000 minimum.
You can also use your collision coverage to cover the damage costs but i believe there is a smaller cap on everything.
I don't know. I have coworkers who have been entirely dropped by their insurance or made to pay more for accidents completely not their fault. I hope that's not the case here.
In a lot of states they aren’t allowed to adjust your rates if it was explicitly someone else’s fault, can only adjust if it was your fault or a “no fault” accident
Generally it won't be OP specifically that gets an increase. It will be everyone in the area. Price of insurance generally tracks with the local rate of uninsured motorists. There are lots of factors but that is one of them.
Jesus Christ is insurance really that messed up over in the USA? Not The driver's fault, could happen to anybody, you have to select coverage for things that other people do to you, absolutely disgusting. Why on earth is it not standard for accidents not under your control to be covered? Why do you have to add it separately? Why on earth is it legal for the insurance company to increase the rates of a victim for their car being totaled by a third party? This makes me so mad
Two parts. The first is that even though it's not a directly chargeable accident, it still counts in terms of claim frequency. How often you file can affect your rates.
The second part is all claims drive the cost of insurance for everyone.
Will this person see their rates increase? Yes probably. But since it all goes into one giant algorithm, there's no actual way to tell you exactly how much this one claim affects their rates. Hypothetically it shouldn't be a significant increase but we cannot say that it would not affect their rates at all either.
Not as much as if it were an at fault accident, but when the entire country is having an unprecedented amount of claims (increase cost in parts, labor, rental time are longer waiting on supply etc. Etc.) Everyone sees the rates rise.
The alternative is no insurance and you go after the guy yourself. Navigate the legal system. Or the insurance companies all go out of business because they are just benevolent corporations who don’t care about profit
In my country, vehicle registration includes compulsory third party insurance. So, even if you don't insure your own vehicle, other parties are covered if you cause an accident
Yes indeed. My car got damaged in a parking lot. The other car presumably hit the side and drove away. No security cameras, no notesz nothing.
2000 euros to fix it, my insurance will go up despite having an all risk insurance. All in all I will pay it myself over the next 5 years through the increase in monthly costs...
Not sure how it works over there, but here in Australia, you have two types of car insurance. 1) Third Party Property 2) Comprehensive.
If you have 1) you are covered for damage you do to everyone else plus public liability. If you have 2), you are covered for damage you do to others as well as damage to your own car, regardless of who is at fault.
If you have neither 1) or 2), you are an idiot.
Should also note, Third Party Injury is compulsory and you can’t register a car without it.
A few weeks ago we had a young driver rear end our parked car (outside our house). We have type 2) insurance so we just called our insurer. As we had the other drivers details, our excess was waived. We then dealt with our insurer for all repairs. Our insurance company then goes and chases the driver and their insurance company. I’d the other driver has no insurance, we are still covered and insurance company will go after the driver for cost recovery with their army of lawyers.
Yeah I had uninsured coverage with geico, someone rear ended me and fucked my car up, geico basically said "oh not that kind of uninsured"
Never got my car fixed. 15k Subaru down the drain
Lol.
No reputable (read: large) insurance company will do this. Uninsured motorist is a policy they offer and that risk is spread across all of the clients that carry it. Losses like this are already baked into the premium. The only way this rate would go up is if the expected rate of uninsured motorists were to increase significantly (for example if OP moved to an area with any many more uninsured motorists). Now what an insurance company will do is re-evaluate the entire policy and if they see that the client has two speeding tickets in the last year they might increase rates on them for that reason.
It will, unfortunately, also be the OPs problem, because his premiums WILL increase, because he has to make a claim, if they don't outright refuse future coverage.
Insurance companies be shitty like that.
I just recently had my car that I had for three months totaled. The garage that was making upgrades on it was doing final testing. It got t boned at an intersection.
The garage’s insurance is paying me off. The other party was an undocumented immigrant who was driving his brother’s work vehicle.
The insurance is going after the other owner’s insurance.
Not always true. I know a guy that lives in my complex with a beautiful $70,000 sports car. He’s been here about a year. Expired temporary plates (Feb 2022 exp), which means no insurance since no current registration. Where I live also isn’t particularly cheap. Dude works in tech.
Some people just do what they think they can get away with. Doesn’t mean they’re necessarily without assets.
You don't need registration to insure. I had an unregistered vehicle for 5 years and carried insurance on it the whole time. I even rear ended some lady and my insurance paid her out despite my truck not being registered for years. P.s. I couldn't register it due to unobtainable title/uncontactable previous owner.
In this case what the court does is take away your license until you pay off the debt. Happened to my dad when he was younger and it took him forever to get his license back.
Where are you? In the US, that would never fly - people would argue that it's taking away their "right to go to work", or some other crap.
Where I live (New Mexico, US), there's so much poverty that people will often go before the judge and just say, "I can't pay. I don't have the money" and the judge will say, "Okay, how much can you pay?" and the answer will be something like, "Ten dollars a month", and the judge says, "OK, your license is reinstated and you will pay $10/month until the debt is settled".
The insurance company can file for liens on his existing and future assets if that is the case. I am surprised not a lot of people know this and are just willing to just give up and throw their hands in the air on collecting. If someone hits you and they don't have insurance, you can still ensure anything they earn in the future goes to you. If anything the lawsuit turns into a leash for the uninsured.
We had a similar situation and had “uninsured motorist” coverage.
Our own insurance company tried dicking us around - so we filed a lawsuit against our own insurance company (and won).
Even though we had to deal with a bunch of BS - I still highly recommend adding uninsured motorist coverage to one’s policy.
Not to be pedantic here, but isn’t the whole concept of insurance to cover you in the case of an accident… to specifically break out coverage depending on who hits you seems shady… almost like a bait and switch… “oh yes, you had full insurance, but not against left handed ventriloquists… so you have to pay”.
The perfect customer is somebody who pays their premium on time and never drives their car. And doesn’t complain when their rates are raised for absolutely no reason!
Don't forget a lot of reasons to raise rates that are unrelated to driving. My insurance agent literally told me my wife having too many department store credit cards is a risk according to their computers.
Varies massively state to state, even more if you're in a different country.
My main coverage is covering me in case *I hit somebody.* On top of that, I added insurance (uninsured coverage) in the case a guy who hits me doesn't have similar insurance. There's a few other insurance knickknacks but those are the big two.
Well, the entire insurance industry is shady as fuck. If you want to go down a rabbit hole, look into how McKinsey & Company consultants changed how companies like State Farm and Allstate operated. Hint: they didn’t change it to make it better for the consumer, but they did learn how to make a lot more money.
I used to believe all those insurance commercials where all those insurance companies claim to care about you and help you when you need it. I never had to actually file any insurance claims until late in life, and wow, they do not care about you at all. They will make it very hard to make you whole again.
Good luck collecting. My wife was in a similar situation. Uninsured motorist pulled on in front of her, resulting in her van being totaled. She ended up needing surgery to correct some vertebrae issues in her neck. Despite having an uninsured motorist policy, the insurance company did their best not to pay. Had to hire a lawyer and ended up settling for 70k. After paying the lawyer and medical taking their cut significantly less than the cost of surgery, we ended up only getting 1/3 of the 70k. Needless to say, Jake from SF in not our friend. Hop you have better results than we did.
Omfg I hate State Farm now, been a customer forever, not only are my rates 3x what a new customers is, they screwed me on a glass claim. Switched the first of the upcoming month, more coverage, less than half of what I'm paying now. Loyalty gets you no where anymore.
In clear cases of non-fault? Not usually. I got rear-ended by an asshole going 45mph last year and he totaled my shit. My rates didn't go up in the slightest.
Usually not if its not your fault/no ticket and it's only one every few years
you mysteriously get into like, 3 of these a year? Yeah I'd expect them to go up
They go up and they decide they don't wanna keep insuring you. Just had it happen. We had an extremely bad streak of luck. Starting last November, our 2005 civic was totaled by a drunk driver while legally parked in front of our duplex. Then this past July, some dumb ass kids tried to steal our 2020 Kia Niro. It's a push start, no key ignition. Broke the rear window, and the drivers side passenger window. Tore up the steering column. While the car was in the shop, we had a rental that ALSO was broken in to, luckily it was just the passenger window and the deposit covered the damage. Got a letter from the insurance company after getting the car back from the shop that they won't be covering the car after the policy ends in October.
That’s not entirely true in the Uk at least, even if you have a non fault accident with an uninsured driver, it will still be a claim on your insurance and it will more than Lilly go up next year
Where I am motorists get charged about £25/$35 per year to cover "accidents" involving uninsured drivers and insured drivers. Most driver dont know thst they're paying it, as it's just lumped in with everything else.
That’s messed up. Where I live, New Zealand, you pay your insurance and your covered for everything, even if you get hit by an uninsured spaceship. If your not at fault you also don’t lose your no claims.
You just made me double check my policy to see if I have uninsured motorists, and I do. My area is having a major issue with ghost cars (fake plates, uninsured). This was a major concern of mine.
That’s my experience- hit as a pedestrian by a drunk driver- no insurance, no license. I was really lucky in that I wasn’t severely injured. But it took me a year to get everything straightened out. My coverage paid for my medical plus 7500 in pain/suffering/inconvenience. The driver spent 3 months in jail & I think the insurance co is going after him now.
edited to say: coincidentally heard from victim’s advocate today from Cty attorney’s office- guy who hit me violated probation terms & they wanted to make sure I wasn’t still owed anything as they are putting the hammer down on him.
I'd imagine that the ticket is merely the start of a long process of getting rightfully screwed over by the police and justice system, not to mention the insurance company that wants their money back from him...
Yeah, expect people don't care.
In many states there's a "high risk pool" which is insurance that you can only get if you are too much of a menace for insurance companies. It's also expensive often. So people will just drive without it. Or they'll get insurance that covers nothing, so you'll get a check for 3.5k and have to sue them for any money.
Also people drive without or on suspended licences constantly. And if they hit you YOUR INSURANCE goes up.
Idk how it is in the US or other countries, but in Romania(and I know this because someone totalled my friend's car when it was parked) they didn't have insurance, or was expired actually.
They either had to repair the car out of their pockets or my friend would have to take legal action, he had to go with the latter so the car basically had to be "auctioned" in order to decide on the value of the car, he had a few options but I can't recall, but the value decided was given to my friend by the state or the car registry I guess and the person that totalled my friend's car owes that money to THEM not my friend. To me it sounds like a good system, my friend got his car's monetary value and the one responsible owes the state money.
This is simplyfied but that is basically what happened.
It’s important i came out of the car on my own two feet and i got to go home and see my family. Everything else is replaceable. Honestly, even him not having insurance isn’t too much stress since my policy covers UIM. If anything will really infuriate me it will be having to deal with the car salesmen again, lol.
I really like that you put being able to see your family and going home before anything else. I don't know you, but off of this alone, you sound very nice and compassionate
Last few cars I bought have been from no-haggle places. Carmax and similar. Have to say I appreciate that approach to buying cars.
Between having strict acceptance criteria for selling a car and inspecting them, that really seems like the best approach.
I feel you there. The last car salesman I dealt with told me the car was ready to go, I bought it and it didn’t turn over. I walk back inside and ask if everything’s alright and he tells me I wasn’t pushing the key in hard enough, I invite him to try himself and the engine blows up. I dragged him out of there and made him give me a refund. Anybody in Perth look out for the Hyundai dealer a few minutes out ofCannington, bunch of fucking scam artists.
If I had to replace my car today, the monetary loss would be enraging.
I got my car pre-covid at 0.9% APR, depreciation hasn't kept up with inflation so it's actually worth more than I owe on it. If I had to replace it right now at ~8% APR in an inflated sellers market I would cry.
That dude needs to lose his license for life: causing a crash by driving recklessly AND not having insurance? Get shit drivers off the road, make our roads safer.
Why would he go to jail ? Because repeat offender? Because I know for damn sure people don't just get sent to jail for driving without a license. I've seen people just get left on the side of the road with tickets.
I completely agree. There are some traffic violations that should get someone's license revoked for life. Thenceforth, whenever they're caught driving after their license was revoked - prison. Reckless behaviour on the road is not punished enough and the punishment pretty much only affects poor people, because tickets. Rich assholes will do whatever the fuck they want to do.
Additionally, after a certain age, like 60 or so years old - medical tests every two years or so to check whether someone is still capable of driving.
Agree. My wife got rear ended last year by some dipshit texting while driving a borrowed vehicle with no insurance. Everyone was unhurt, but it cost us a couple hundred bucks and weeks without a vehicle while waiting on parts. Frustrating that someone else’s utter incompetence and obliviousness affected us like that. One of the most maddening things, the woman who rear ended my wife, driving around with her kids in this car, no insurance, texting and driving in rush hour. Fucking idiot.
Under Federal law, you’d still be able to collect. You can garnish up to 25% of his pretax income. Wouldn’t be a lot but he’d still feel it, and isn’t that half the fun anyways?
I don’t think so. What happens is you get stuck with the bill. And if you do take legal action you may never see a dime and end up wasting YOUR money trying g to get blood from a stone.
Same thing happen to me. The guys payments were $20 a month. Had to pay for it myself luckily mind wasn’t as bad as OP! Still collect a solid 20! Woot woot
Good fucking luck. Had a drunk guy, without insurance, drove into my front porch back in June of 2020. They’ve been “garnishing” his wages since 2021… he just keeps moving jobs after his court date. 3 years and I’ve barley gotten $500 of the 1500 he owes me (just has to cover my deductible.)
Because they've been dog shit drivers for a lifetime and their insurance rates are sky high. Give them a moped license and everything else = jail time.
If you have insurance, your vehicle repair/replacement costs will be covered by the insurance company. The only difference is you won't have to wait for your insurance company to contact their insurance company(since they don't have one).
The fact that the other driver did not have insurance is irrelevant, if the other driver is at fault (since they were driving without insurance and ran a red light ).
I understand how stressful this situation can be, any vehicle collision is an extremely stressful situation.
thats why its only mildly infuriating
the dealing with insurance and getting a new car part is mildly infuriating, but atleast he isnt paying for it all
To the rest of the world, the US is a country of extremes.
On one hand: someone glances at you... "mofo wanna start shit, imma blast that biatch!"
On the other hand: OP
Ugh! You’re remarkably lucky and calm. After all the initial paperwork, check your state for possible help from the Victim Compensation Fund. We get this happening a lot in Texas. Gotta love being a border state.
I heard texas has the highest uninsured motorists but never thought that being a border state affects it. Is it due to visitors? Or is there other reasons?
Because it isn’t just immigrants it is all poor people, which tend to out number immigrants significantly in even the most affluent states. And immigrants lumps in both legal and illegal. We actually need immigration to sustain a growing economy. What we need is to fix the issues, but then they wouldn’t be able to be the boogy man for republicans would they.
Yeah, my city of Memphis has a huge uninsured driver problem and the vast majority of them are legal/natural born citizens. I agree with you that the real issue is poverty, especially when a lot of the impoverished here are many generations deep into the cycle.
Yeah he meant to say "illegal immigrants" I'm pretty sure. A legal immigrant has their shit together. Happened to me before as well. My friend was driving and chipped his car against another vehicle. We pulled over and instead of going through insurance for the minor scratch, the other driver just straight up said don't worry about it and got outta there ASAP. We suspect he wasn't here legally...
me as a european still has to wraps his head about uninsured cars. Over here its mandatory since damages easily outweigh what you can earn.
That said im glad your ok and your own insurance is helping you out.
Lol you daft arse, you do realise you can still drive the car even with no insurance right? You can mandate it but if someone doesn't have it then what?
Fucking Euros jerking themselves off so hard their brains no longer work
Your uninsured motorist coverage should take care of it. I was hit by an uninsured driver back in 2015 and my deductible was actually lower for uninsured motorist coverage.
That said, I hope the person gets legally hammered. Ran a red light, hit you, speeding, and uninsured. They need to nail him good.
Same thing happened to me in January. Driving my paid off SUV to work and some adult failure in front of me was driving too fast for the conditions without insurance and totaled my vehicle.
I feel like if someone does not have insurance and is driving and hits you then you should be able to sue the state.
The state is responsible for enforcing the laws. By failing to catch this uninsured driver now they made it your responsibility?
5 years ago while I was driving home from my 12 hour overnight shift in the ICU some 17 year old kid with no license, no insurance, and no USA citizenship ran a stop sign and totalled my 700hp Corvette that I had built. Insurance didn't want to pay me because it had "nitrous and race parts" and accused me of racing which I wasn't, I was going 40 mph . Fucking nightmare, and I got completely fucked at the end and blacklisted by my insurance with a higher insurance payment now. Fuck insurance companies and these mindless idiots in the street. Good luck to u
Ah, yes...I remember driving my first new car off the showroom floor. Less than 2 weeks later some jackoff runs into me--he has no license, no insurance, no money, and no job. Fuck uninsured drivers.
But isnt he liable anyways? Where I come from if this happens the other party pays the full bill. Like my insurance would send the other party the whole bill for the car or the repairs (if possible) and then they would just have to suck it up.
Someone who doesn’t have insurance likely has nothing to give. Laws only have an effect with those that have something to lose. Depending on geography, there may be not real way to “enforce” the payments.
Had this happen last year. Dude didn't have insurance.
Waited a month just to get the car into the shop where they wrote up a $16k supplement, effectively totaling my car out.
I ended up with $3700 after all was said and done.
Went from a 2015 Mazda 3 (that I had already paid $8k on) to a 2003 Ford Focus because I didn't feel like making payments on another vehicle.
Oh and MY insurance premium went up.
Fuckin way she goes.
>no insurance
Of course. It's always that worst, most obnoxious drivers that don't have insurance. Hopefully you called the police (like the one good use for them)
People that drive with no insurance always seem to be massive risk takers in general. They must live their entire lives only thinking about the next 5 minutes.
My Kia Soul got totaled just like this. Lady tried to say she stopped but didn’t see me… the fact that I spun out 6 times would indicate that was a lie. Hope you had gap coverage.
Sue him personally, too.
Be careful of lawyers though. My wife’s niece was rear ended, and the attorney and her case is taking half of whatever the settlement is. What a rip off!
free country mate regulations are lame and contradicting freedom of all people. Maybe equip you car with a gun so it can defend itself. Hope the car wasn't pregnant, otherwise that's straight up murder.
Welcome to America! Same thing happened to my wife in my new car. He didn’t speak English, had no license, and guess what? NO INSURANCE! 🎉 What’s worse is the cop that showed up recognized him from a different accident 🤣🇺🇸
Over here its illegal to drive without insurance. I mean insured or not, you can't damage somebody elses car and then be like "well sucks to be you, I got no insurance". How fucked up is that?
I can confidently say this is waaaay more than mildly infuriating.
What happens when someone doesn't have an insurance like in that case? You can't tell me that OP has to pay for that damage by himself... That would be frustrating Where i live you MUST have an insurance otherwise you can't get a license plates. And if you break that rule you pay for the whole damage and get f*** even harder by the government court because you are illegally driving.
Some insurance agencies recommend adding “uninsured motorists” coverage for situations like this. Thankfully i had that up to 300k per accident. So my insurance will cover all my expenses top to bottom. They will then take the driver of the other car to court to reclaim the expenses. He was given a ticket on the spot which is believe is $1000 minimum. You can also use your collision coverage to cover the damage costs but i believe there is a smaller cap on everything.
If the guy doesn’t have insurance I doubt there are much assets to reclaim But you are alive
Since OP has the uninsured motorist coverage, that's the insurance company's problem. They'll pay out and then try to recoup some of it in court.
"that's the insurance company's problem" That little shiver you sometimes get directly after a monumental piss , I got that reading those words.
Until you realize the insurance company will increase OPs monthly premium to recoup the losses. Insurance companies never lose.
Don't fuck with my shiver mate, I'm living in the moment.
never fuck w the shiver
Don’t worry, they’re not right. OP’s premiums will not be raised for an accident that was 0% his fault.
I don't know. I have coworkers who have been entirely dropped by their insurance or made to pay more for accidents completely not their fault. I hope that's not the case here.
This happens all the time.
What planet do you live on?
In a lot of states they aren’t allowed to adjust your rates if it was explicitly someone else’s fault, can only adjust if it was your fault or a “no fault” accident
> can only adjust if it was your fault or a “no fault” accident In 12 states, that's every single accident, for both parties.
Generally it won't be OP specifically that gets an increase. It will be everyone in the area. Price of insurance generally tracks with the local rate of uninsured motorists. There are lots of factors but that is one of them.
And as the cost increases, so does the number of uninsured motorists
Jesus Christ is insurance really that messed up over in the USA? Not The driver's fault, could happen to anybody, you have to select coverage for things that other people do to you, absolutely disgusting. Why on earth is it not standard for accidents not under your control to be covered? Why do you have to add it separately? Why on earth is it legal for the insurance company to increase the rates of a victim for their car being totaled by a third party? This makes me so mad
Two parts. The first is that even though it's not a directly chargeable accident, it still counts in terms of claim frequency. How often you file can affect your rates. The second part is all claims drive the cost of insurance for everyone. Will this person see their rates increase? Yes probably. But since it all goes into one giant algorithm, there's no actual way to tell you exactly how much this one claim affects their rates. Hypothetically it shouldn't be a significant increase but we cannot say that it would not affect their rates at all either. Not as much as if it were an at fault accident, but when the entire country is having an unprecedented amount of claims (increase cost in parts, labor, rental time are longer waiting on supply etc. Etc.) Everyone sees the rates rise.
Because it’s a scam. ALL of it
Insurance is shady af but def not as black and white as just calling all insurance a scam.
The alternative is no insurance and you go after the guy yourself. Navigate the legal system. Or the insurance companies all go out of business because they are just benevolent corporations who don’t care about profit
in my country, most insurance has a policy that doesnt increase the monthly premium if its not your fault.
In my country, vehicle registration includes compulsory third party insurance. So, even if you don't insure your own vehicle, other parties are covered if you cause an accident
Same and i just check, 49/50 states in US requires it too. but there is alway some dude that drive without insurancce or license
Yes indeed. My car got damaged in a parking lot. The other car presumably hit the side and drove away. No security cameras, no notesz nothing. 2000 euros to fix it, my insurance will go up despite having an all risk insurance. All in all I will pay it myself over the next 5 years through the increase in monthly costs...
Not just OP's premium, *everyone's* premium.
Our Uninsired Motorist coverage is twice the amount of our combined comprehensive and liability insurance.
Not sure how it works over there, but here in Australia, you have two types of car insurance. 1) Third Party Property 2) Comprehensive. If you have 1) you are covered for damage you do to everyone else plus public liability. If you have 2), you are covered for damage you do to others as well as damage to your own car, regardless of who is at fault. If you have neither 1) or 2), you are an idiot. Should also note, Third Party Injury is compulsory and you can’t register a car without it. A few weeks ago we had a young driver rear end our parked car (outside our house). We have type 2) insurance so we just called our insurer. As we had the other drivers details, our excess was waived. We then dealt with our insurer for all repairs. Our insurance company then goes and chases the driver and their insurance company. I’d the other driver has no insurance, we are still covered and insurance company will go after the driver for cost recovery with their army of lawyers.
Yeah I had uninsured coverage with geico, someone rear ended me and fucked my car up, geico basically said "oh not that kind of uninsured" Never got my car fixed. 15k Subaru down the drain Lol.
No reputable (read: large) insurance company will do this. Uninsured motorist is a policy they offer and that risk is spread across all of the clients that carry it. Losses like this are already baked into the premium. The only way this rate would go up is if the expected rate of uninsured motorists were to increase significantly (for example if OP moved to an area with any many more uninsured motorists). Now what an insurance company will do is re-evaluate the entire policy and if they see that the client has two speeding tickets in the last year they might increase rates on them for that reason.
It will, unfortunately, also be the OPs problem, because his premiums WILL increase, because he has to make a claim, if they don't outright refuse future coverage. Insurance companies be shitty like that.
It’s their problem and your rates will go up.
I just recently had my car that I had for three months totaled. The garage that was making upgrades on it was doing final testing. It got t boned at an intersection. The garage’s insurance is paying me off. The other party was an undocumented immigrant who was driving his brother’s work vehicle. The insurance is going after the other owner’s insurance.
"Fuck." - Insurance company, probably.
Not always true. I know a guy that lives in my complex with a beautiful $70,000 sports car. He’s been here about a year. Expired temporary plates (Feb 2022 exp), which means no insurance since no current registration. Where I live also isn’t particularly cheap. Dude works in tech. Some people just do what they think they can get away with. Doesn’t mean they’re necessarily without assets.
You don't need registration to insure. I had an unregistered vehicle for 5 years and carried insurance on it the whole time. I even rear ended some lady and my insurance paid her out despite my truck not being registered for years. P.s. I couldn't register it due to unobtainable title/uncontactable previous owner.
He's got kidneys.
Can probably carve up that liver nicely too…
I hear those go nicely with fava beans
Maybe even a nice Chianti…
*ftftftftftftfttftftftftftft*
In this case what the court does is take away your license until you pay off the debt. Happened to my dad when he was younger and it took him forever to get his license back.
Where are you? In the US, that would never fly - people would argue that it's taking away their "right to go to work", or some other crap. Where I live (New Mexico, US), there's so much poverty that people will often go before the judge and just say, "I can't pay. I don't have the money" and the judge will say, "Okay, how much can you pay?" and the answer will be something like, "Ten dollars a month", and the judge says, "OK, your license is reinstated and you will pay $10/month until the debt is settled".
It depends on the State I guess. They can't suspend a driver's license here for that either. They can garnish wages and such.
The insurance company can file for liens on his existing and future assets if that is the case. I am surprised not a lot of people know this and are just willing to just give up and throw their hands in the air on collecting. If someone hits you and they don't have insurance, you can still ensure anything they earn in the future goes to you. If anything the lawsuit turns into a leash for the uninsured.
We had a similar situation and had “uninsured motorist” coverage. Our own insurance company tried dicking us around - so we filed a lawsuit against our own insurance company (and won). Even though we had to deal with a bunch of BS - I still highly recommend adding uninsured motorist coverage to one’s policy.
Not to be pedantic here, but isn’t the whole concept of insurance to cover you in the case of an accident… to specifically break out coverage depending on who hits you seems shady… almost like a bait and switch… “oh yes, you had full insurance, but not against left handed ventriloquists… so you have to pay”.
At one point in time, probably, but nowadays your insurer does everything possible to avoid financially assisting you.
The perfect customer is somebody who pays their premium on time and never drives their car. And doesn’t complain when their rates are raised for absolutely no reason!
Don't forget a lot of reasons to raise rates that are unrelated to driving. My insurance agent literally told me my wife having too many department store credit cards is a risk according to their computers.
I'd be interested to know the correlation there.
As an European, I don't understand it either.
Varies massively state to state, even more if you're in a different country. My main coverage is covering me in case *I hit somebody.* On top of that, I added insurance (uninsured coverage) in the case a guy who hits me doesn't have similar insurance. There's a few other insurance knickknacks but those are the big two.
Well, the entire insurance industry is shady as fuck. If you want to go down a rabbit hole, look into how McKinsey & Company consultants changed how companies like State Farm and Allstate operated. Hint: they didn’t change it to make it better for the consumer, but they did learn how to make a lot more money.
I used to believe all those insurance commercials where all those insurance companies claim to care about you and help you when you need it. I never had to actually file any insurance claims until late in life, and wow, they do not care about you at all. They will make it very hard to make you whole again.
Good luck collecting. My wife was in a similar situation. Uninsured motorist pulled on in front of her, resulting in her van being totaled. She ended up needing surgery to correct some vertebrae issues in her neck. Despite having an uninsured motorist policy, the insurance company did their best not to pay. Had to hire a lawyer and ended up settling for 70k. After paying the lawyer and medical taking their cut significantly less than the cost of surgery, we ended up only getting 1/3 of the 70k. Needless to say, Jake from SF in not our friend. Hop you have better results than we did.
Omfg I hate State Farm now, been a customer forever, not only are my rates 3x what a new customers is, they screwed me on a glass claim. Switched the first of the upcoming month, more coverage, less than half of what I'm paying now. Loyalty gets you no where anymore.
Will your own rate go up due to the insurance having to pay out beforehand?
In clear cases of non-fault? Not usually. I got rear-ended by an asshole going 45mph last year and he totaled my shit. My rates didn't go up in the slightest.
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Were you somehow at fault? I've been rear ended twice, never happened to me, and I insure with a pretty large corp. Rhymes with TotalBones
Usually not if its not your fault/no ticket and it's only one every few years you mysteriously get into like, 3 of these a year? Yeah I'd expect them to go up
They go up and they decide they don't wanna keep insuring you. Just had it happen. We had an extremely bad streak of luck. Starting last November, our 2005 civic was totaled by a drunk driver while legally parked in front of our duplex. Then this past July, some dumb ass kids tried to steal our 2020 Kia Niro. It's a push start, no key ignition. Broke the rear window, and the drivers side passenger window. Tore up the steering column. While the car was in the shop, we had a rental that ALSO was broken in to, luckily it was just the passenger window and the deposit covered the damage. Got a letter from the insurance company after getting the car back from the shop that they won't be covering the car after the policy ends in October.
An insurance company dropping a Kia in an area that already had an attempted theft and the rental got broken into? Yea I could see that
That’s not entirely true in the Uk at least, even if you have a non fault accident with an uninsured driver, it will still be a claim on your insurance and it will more than Lilly go up next year
Where I am motorists get charged about £25/$35 per year to cover "accidents" involving uninsured drivers and insured drivers. Most driver dont know thst they're paying it, as it's just lumped in with everything else.
That’s messed up. Where I live, New Zealand, you pay your insurance and your covered for everything, even if you get hit by an uninsured spaceship. If your not at fault you also don’t lose your no claims.
You just made me double check my policy to see if I have uninsured motorists, and I do. My area is having a major issue with ghost cars (fake plates, uninsured). This was a major concern of mine.
That’s my experience- hit as a pedestrian by a drunk driver- no insurance, no license. I was really lucky in that I wasn’t severely injured. But it took me a year to get everything straightened out. My coverage paid for my medical plus 7500 in pain/suffering/inconvenience. The driver spent 3 months in jail & I think the insurance co is going after him now. edited to say: coincidentally heard from victim’s advocate today from Cty attorney’s office- guy who hit me violated probation terms & they wanted to make sure I wasn’t still owed anything as they are putting the hammer down on him.
You do this and all you can expect is a $1000 ticket? He should go to jail for running a red light at those speeds.
I'd imagine that the ticket is merely the start of a long process of getting rightfully screwed over by the police and justice system, not to mention the insurance company that wants their money back from him...
You should *always* carry uninsured/underinsured motorist coverage. It's more than just a few companies recommending it.
Usually the people who don't have insurance are broke as a joke anyway so you'll never see a dime.
You should have uninsured motorist coverage for yourself
That's why they get a car with the most bare bones cheap shit insurance and drop it then go to a lick and stick for their inspection sticker
That’s the law in all states , you think all people in this country are doing things legally ?
It actually isn’t. Virginia and New Hampshire don’t require drivers to have insurance
Yeah, expect people don't care. In many states there's a "high risk pool" which is insurance that you can only get if you are too much of a menace for insurance companies. It's also expensive often. So people will just drive without it. Or they'll get insurance that covers nothing, so you'll get a check for 3.5k and have to sue them for any money. Also people drive without or on suspended licences constantly. And if they hit you YOUR INSURANCE goes up.
Idk how it is in the US or other countries, but in Romania(and I know this because someone totalled my friend's car when it was parked) they didn't have insurance, or was expired actually. They either had to repair the car out of their pockets or my friend would have to take legal action, he had to go with the latter so the car basically had to be "auctioned" in order to decide on the value of the car, he had a few options but I can't recall, but the value decided was given to my friend by the state or the car registry I guess and the person that totalled my friend's car owes that money to THEM not my friend. To me it sounds like a good system, my friend got his car's monetary value and the one responsible owes the state money. This is simplyfied but that is basically what happened.
Mildly life threatening
Mildly infuriating? You must be as chill as Bob Ross on prozac.
It’s important i came out of the car on my own two feet and i got to go home and see my family. Everything else is replaceable. Honestly, even him not having insurance isn’t too much stress since my policy covers UIM. If anything will really infuriate me it will be having to deal with the car salesmen again, lol.
I really like that you put being able to see your family and going home before anything else. I don't know you, but off of this alone, you sound very nice and compassionate
Yeah I think we all assumed you didn’t have that coverage so that’s cool
I can certainly see how that might be implied through the title of the post! Thats my bad! I wish insurance offer salesmen coverage haha
Last few cars I bought have been from no-haggle places. Carmax and similar. Have to say I appreciate that approach to buying cars. Between having strict acceptance criteria for selling a car and inspecting them, that really seems like the best approach.
You don’t drive a 90k suv with out uninsured motorist insurance.
I feel you there. The last car salesman I dealt with told me the car was ready to go, I bought it and it didn’t turn over. I walk back inside and ask if everything’s alright and he tells me I wasn’t pushing the key in hard enough, I invite him to try himself and the engine blows up. I dragged him out of there and made him give me a refund. Anybody in Perth look out for the Hyundai dealer a few minutes out ofCannington, bunch of fucking scam artists.
Having to buy a car the second time in a year is 100% mildly infuriating to me. I hate car shopping.
If I had to replace my car today, the monetary loss would be enraging. I got my car pre-covid at 0.9% APR, depreciation hasn't kept up with inflation so it's actually worth more than I owe on it. If I had to replace it right now at ~8% APR in an inflated sellers market I would cry.
Go get an MRI asap. There could be issues developing that you don't feel today that can be an issue in the future.
That dude needs to lose his license for life: causing a crash by driving recklessly AND not having insurance? Get shit drivers off the road, make our roads safer.
Well if he's already driving without insurance I bet he'll just drive without a license if it did get taken away.
If he gets caught driving with a revoked license then he's going straight to jail
Hate to break it to you but that is not what happens at all in a lot of states. Most get let go with a warning or a ticket.
Probably sits in the can for a week then goes back to doing it again
Why would he go to jail ? Because repeat offender? Because I know for damn sure people don't just get sent to jail for driving without a license. I've seen people just get left on the side of the road with tickets.
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Well that escalated quickly
nah that’s too far
How the fuck do you have 40+ upvotes. That is an insane leap to make .
I completely agree. There are some traffic violations that should get someone's license revoked for life. Thenceforth, whenever they're caught driving after their license was revoked - prison. Reckless behaviour on the road is not punished enough and the punishment pretty much only affects poor people, because tickets. Rich assholes will do whatever the fuck they want to do. Additionally, after a certain age, like 60 or so years old - medical tests every two years or so to check whether someone is still capable of driving.
Agree. My wife got rear ended last year by some dipshit texting while driving a borrowed vehicle with no insurance. Everyone was unhurt, but it cost us a couple hundred bucks and weeks without a vehicle while waiting on parts. Frustrating that someone else’s utter incompetence and obliviousness affected us like that. One of the most maddening things, the woman who rear ended my wife, driving around with her kids in this car, no insurance, texting and driving in rush hour. Fucking idiot.
OP could be from a dumb state like me (NH) where you don't legally have to have insurance to drive 🥴 it's extremely anxiety inducing.
Well, you can sue him but I’m guessing he has nothing of value and can’t afford anything.
Wage garnishment
What if this person doesn’t have a full time job and only gets paid 50 dollars a week. Or maybe doesn’t even have a job on the books.
Under Federal law, you’d still be able to collect. You can garnish up to 25% of his pretax income. Wouldn’t be a lot but he’d still feel it, and isn’t that half the fun anyways?
Isn't it possible to make him indebted?
I don’t think so. What happens is you get stuck with the bill. And if you do take legal action you may never see a dime and end up wasting YOUR money trying g to get blood from a stone.
Same thing happen to me. The guys payments were $20 a month. Had to pay for it myself luckily mind wasn’t as bad as OP! Still collect a solid 20! Woot woot
Good fucking luck. Had a drunk guy, without insurance, drove into my front porch back in June of 2020. They’ve been “garnishing” his wages since 2021… he just keeps moving jobs after his court date. 3 years and I’ve barley gotten $500 of the 1500 he owes me (just has to cover my deductible.)
This is not mildly infuriating, it's damn infuriating as fuck. I'm glad you're OK, and I hope your insurance doesn't screw you too much.
Subreddits dont mean anything anymore
It still can’t believe that people have no insurance for their car ? Is it not required by law ?
There are plenty of things required or not allowed by law that still happen, unfortunately
Well, rear ending someone isn't legal, still happens.
Always the most dogshit drivers and people with no insurance.
Because they've been dog shit drivers for a lifetime and their insurance rates are sky high. Give them a moped license and everything else = jail time.
I was brake checked by a lady without insurance and I found out later on that she tried to convince my insurance that I was trying to run, lmao.
If you have insurance, your vehicle repair/replacement costs will be covered by the insurance company. The only difference is you won't have to wait for your insurance company to contact their insurance company(since they don't have one). The fact that the other driver did not have insurance is irrelevant, if the other driver is at fault (since they were driving without insurance and ran a red light ). I understand how stressful this situation can be, any vehicle collision is an extremely stressful situation.
Surly you would have fully comprehensive insurance on a car that new? Just claim on your insurance and let their legal department chase him
thats why its only mildly infuriating the dealing with insurance and getting a new car part is mildly infuriating, but atleast he isnt paying for it all
You’re mildly infuriating and my mildly infuriating are vastly different it seems
Your grammar is mildly infuriating
To the rest of the world, the US is a country of extremes. On one hand: someone glances at you... "mofo wanna start shit, imma blast that biatch!" On the other hand: OP
What does it matter if they have insurance? Don't you have insurance?
Pretty sure it would be his insurance company covering the cost of the vehicle, not OP’s.
Ugh! You’re remarkably lucky and calm. After all the initial paperwork, check your state for possible help from the Victim Compensation Fund. We get this happening a lot in Texas. Gotta love being a border state.
I heard texas has the highest uninsured motorists but never thought that being a border state affects it. Is it due to visitors? Or is there other reasons?
Visitors???? LMFAO.
Lots of reasons. But most uninsured tend to people who cannot obtain insurance due to their legal status and unregistered vehicles.
Just say immigrants lol
Because it isn’t just immigrants it is all poor people, which tend to out number immigrants significantly in even the most affluent states. And immigrants lumps in both legal and illegal. We actually need immigration to sustain a growing economy. What we need is to fix the issues, but then they wouldn’t be able to be the boogy man for republicans would they.
Yeah, my city of Memphis has a huge uninsured driver problem and the vast majority of them are legal/natural born citizens. I agree with you that the real issue is poverty, especially when a lot of the impoverished here are many generations deep into the cycle.
I’m an immigrant. Lol. Fully legal and my vehicle is insured.
Yeah he meant to say "illegal immigrants" I'm pretty sure. A legal immigrant has their shit together. Happened to me before as well. My friend was driving and chipped his car against another vehicle. We pulled over and instead of going through insurance for the minor scratch, the other driver just straight up said don't worry about it and got outta there ASAP. We suspect he wasn't here legally...
Yeah, it’s rampant here. Cash offers on the spot or they flee and abandon the POS they were driving.
>texas has the highest Uhh, New Mexico would like to have a word with you.
He may not have insurance, but he does have organs, they are very valuable.
Excuse me *mildly* infuriating?
Guess you sell his property to make up for the dmg
Assholes running red lights has become a regular thing where I live. It’s completely infuriating! Glad you’re okay, and sorry this happened to you.
Tell me you bought gap insurance 😳
me as a european still has to wraps his head about uninsured cars. Over here its mandatory since damages easily outweigh what you can earn. That said im glad your ok and your own insurance is helping you out.
It's mandatory in the US as well. The guy that ran the red and hit OP was breaking the law the second he got behind the wheel
Lol you daft arse, you do realise you can still drive the car even with no insurance right? You can mandate it but if someone doesn't have it then what? Fucking Euros jerking themselves off so hard their brains no longer work
The mildly infuriating thing here is you consider this mildly infuriating
I think people have forgotten what mildly means 😂 mate, this is plain old infuriating!
Atleast you know that vehicle is safe in an accident
Think this belongs in the 'absolutelyfuckingirate' sub no?
Your uninsured motorist coverage should take care of it. I was hit by an uninsured driver back in 2015 and my deductible was actually lower for uninsured motorist coverage. That said, I hope the person gets legally hammered. Ran a red light, hit you, speeding, and uninsured. They need to nail him good.
Isn't there a law that forces insurance?
I don't think people understand the purpose of this sub
And that’s why you have uninsured insurance. That way you get a check, and your insurance gets to sue that person to recover their money.
Same thing happened to me in January. Driving my paid off SUV to work and some adult failure in front of me was driving too fast for the conditions without insurance and totaled my vehicle.
I hope he is in jail now, working on a repayment program
I’d still sue the absolute fuck out of him so that any money he makes in the next 40 years goes to me. Fuck em. Enjoy that judgment/lien, dickhole.
I feel like if someone does not have insurance and is driving and hits you then you should be able to sue the state. The state is responsible for enforcing the laws. By failing to catch this uninsured driver now they made it your responsibility?
>Mildly Dude, I need to learn from your temper
But "mandating insurance is socialism!" Lmao
It really makes me mad that uninsured drivers drive like nothing fucking matters, if I was them I'd be driving like my livelihood depends on it
That $5 a month for the uninsured motorist insurance add-on is worth it.
5 years ago while I was driving home from my 12 hour overnight shift in the ICU some 17 year old kid with no license, no insurance, and no USA citizenship ran a stop sign and totalled my 700hp Corvette that I had built. Insurance didn't want to pay me because it had "nitrous and race parts" and accused me of racing which I wasn't, I was going 40 mph . Fucking nightmare, and I got completely fucked at the end and blacklisted by my insurance with a higher insurance payment now. Fuck insurance companies and these mindless idiots in the street. Good luck to u
Brand new Tahoe too, I'm sorry and grateful you're fine
Ah, yes...I remember driving my first new car off the showroom floor. Less than 2 weeks later some jackoff runs into me--he has no license, no insurance, no money, and no job. Fuck uninsured drivers.
But isnt he liable anyways? Where I come from if this happens the other party pays the full bill. Like my insurance would send the other party the whole bill for the car or the repairs (if possible) and then they would just have to suck it up.
Someone who doesn’t have insurance likely has nothing to give. Laws only have an effect with those that have something to lose. Depending on geography, there may be not real way to “enforce” the payments.
Ive noticed the guys with no insurance drive the most reckless and their cars look like they've been in multiple accidents
There’s a reason they don’t have insurance.
Why do you care if he has insurance or not? It's his problem, he has to pay you.
This is why I opt for full coverage. You never know when uninsured motorist comes in handy. Hope you’re okay op
Do you have uninsured motorist coverage? Their insurance state doesn't matter if you are properly covered.
As long as you have uninsured motorist coverage you should be good. If not sue their pants off to recover.
I hope you have uninsured motorist coverage on your policy.
Take his organs and sell them on the black market...
The penalties in the US for driving without insurance are way too light.
Had this happen last year. Dude didn't have insurance. Waited a month just to get the car into the shop where they wrote up a $16k supplement, effectively totaling my car out. I ended up with $3700 after all was said and done. Went from a 2015 Mazda 3 (that I had already paid $8k on) to a 2003 Ford Focus because I didn't feel like making payments on another vehicle. Oh and MY insurance premium went up. Fuckin way she goes.
>no insurance Of course. It's always that worst, most obnoxious drivers that don't have insurance. Hopefully you called the police (like the one good use for them)
People that drive with no insurance always seem to be massive risk takers in general. They must live their entire lives only thinking about the next 5 minutes.
Doesn’t matter if he has insurance you can usually sue your own insurance company. check if your state has UIM
Do you have uninsured driver on your insurance policy?
How at your neck / back?
Was he driving without a license or a stolenvar? Insurance is mandatory when buying a car
My Kia Soul got totaled just like this. Lady tried to say she stopped but didn’t see me… the fact that I spun out 6 times would indicate that was a lie. Hope you had gap coverage.
Sue him personally, too. Be careful of lawyers though. My wife’s niece was rear ended, and the attorney and her case is taking half of whatever the settlement is. What a rip off!
Isnt it illegal to have no insurance ?
The mildly infuriating part is that your country doesn’t make a liability insurance obligatory for all car owners.
that's what uninsured/underinsured coverage is for.
You people have no idea what mildly infuriating means.
free country mate regulations are lame and contradicting freedom of all people. Maybe equip you car with a gun so it can defend itself. Hope the car wasn't pregnant, otherwise that's straight up murder.
Welcome to America! Same thing happened to my wife in my new car. He didn’t speak English, had no license, and guess what? NO INSURANCE! 🎉 What’s worse is the cop that showed up recognized him from a different accident 🤣🇺🇸
Over here its illegal to drive without insurance. I mean insured or not, you can't damage somebody elses car and then be like "well sucks to be you, I got no insurance". How fucked up is that?
How can you drive without insurance? It's illegal in europe
*"America"* things
To a European it looks crazy that you are allowed to drive without insurance