I'm tired of paying for fucking broke, irresponsible, losers. - Page 2 - GoFuckYourself.com

Scott McD · 08-15-2014, 09:19 AM

50 broke ass losers...

Sly · 08-15-2014, 09:22 AM

Quote:

Originally Posted by L-Pink

Various websites list the percentage of uninsured Florida motorists at 23 to 30 percent. So 1 in 4 people are driving illegally and causing potentially devastating hardship to themselves as well as others. How much do these people add each year to our already high health care costs?

.

Not to go off on a tangent, but another thing to think about is the damage and congestion all of these uninsured people are doing to the roads. The more vehicles on a road, the more it needs to be repaired. The more vehicles on a road, the harder it is for everyone else to get where they need to go.

I might feel a little better about that if they were at least driving legally!

dyna mo · 08-15-2014, 09:22 AM

Quote:

Originally Posted by Barry-xlovecam

That is what I thought before I got the fkn bill. New law or rule in this state maybe. When did you last renew your auto policy? This was in February, 2014.

I had to pay so it's true.

What state are you in? The only state that could have something like this is Michigan. But that state requires auto insurance to be unlimited. With what you are saying, the typically insured only as ~$15k in medical coverage via their auto policy. I just switched over a vehicle policy to progressive from another carrier in June and maxed out all the coverages. ~$100/month.

Now that said, the way the system works is your deductible pays first, if it maxes out then your auto policy kicks in to cover, if it maxes out then your personal health insurance deductible kicks in, if it maxes out then your personal health insurance coverage kicks in.

Barry-xlovecam · 08-15-2014, 09:33 AM

Quote:

Originally Posted by Paully

Any medical insurer excluding your healrh coverage for any reason would be a good reason to switch medical coverage. Thats pretty fucked up.

This may be in particular of the Michigan no-fault auto (vehicular) laws. Any bodily injury from an accident is the responsibility of your insurer and not the party at fault.

Every year here you are assessed a state operated catastrophic medical fund premium.

Quote:

About the Michigan Catastrophic Claims Association

MCCA stands for Michigan Catastrophic Claims Association. It's a special fund set up by state law. Our no-fault insurance system provides unlimited medical benefits for people who are hurt in auto accidents. So, a single injury can cost millions of dollars. MCCA reimburses insurance companies for these large losses after they reach a certain threshold, currently at $530,000. Then companies have to pay an assessment to cover what MCCA paid out for claims. Finally, this cost is passed on to all policyholders. In other words, the MCCA charge is your share of the cost for catastrophic injuries resulting from traffic accidents. To find out more details about the Michigan Catastrophic Claims Association, including financial data, visit: http://www.michigancatastrophic.com

http://www.iiminfo.org/CONSUMERS/Aut...5/Default.aspx

Bottom line is that the insurer will not coordinate benefits resulting from an auto accident -- that is the auto insurer's claim -- that ended up costing me an extra $250 or so in the end.

Here it is why it is better for me to pay the $550 +-/yr to have the state fund pay the primary PIP

Quote:

3. If you have an HMO.

HMOs can be very restrictive and can often result in delayed medical treatment. By electing primary medical PIP, you do not have to treat within the HMO and can substantially expedite your treatment and improve your choice of providers.

4. Important Warning about Medicare and Medicaid if you are injured in a car accident and have Michigan No-Fault insurance:

If you have Medicare, Medicaid, Veterans Administration Benefits or any county health plan, you should have primary medical PIP on your auto No-Fault insurance. This helps to avoid the ?super liens? that providers of government benefits may otherwise have against your automobile negligence case (the case for your personal injuries and pain and suffering that you would bring against the person who has caused your accident).
http://www.hg.org/article.asp?id=19025

I'll have to look into it at the end of the year when the HMO/PPO ? policy expires. Blue Cross/Blue Sheild was $2,000+- more a year -- this addone PIP primary ended up costing $250 or $1,700 or so less -- so I am ahead of the game (I guess paying less for ?)

Robbie · 08-15-2014, 09:35 AM

I don't understand any of this.

Our auto insurance should be dirt cheap. Everybody that drives is forced to buy it.

And just like ObamaCare...once the "pool" of people insured is that high....the prices will go way down!

Oh...wait a minute...

Barry-xlovecam · 08-15-2014, 09:40 AM

Quote:

Originally Posted by dyna mo

What state are you in? The only state that could have something like this is Michigan. ... then your personal health insurance coverage kicks in.

So, this brings the whole argument down to the reason for universal health coverage -- then there would be no need, and the excess costs and profits, in all of this bullshit ... No matter where you are: if you buy auto insurance a cost of $500 - $1,200 +- in premium/yr revolves around bodily injury auto accident events.

Barry-xlovecam · 08-15-2014, 09:43 AM

Quote:

Originally Posted by Robbie

I don't understand any of this.

Our auto insurance should be dirt cheap. Everybody that drives is forced to buy it.

And just like ObamaCare...once the "pool" of people insured is that high....the prices will go way down!

Oh...wait a minute...

In theory yes. In reality NO! Why? The insurers need to pay the lawyers and make their cut too (profits).

See my post above^ The low-lifers will have universal healthcare.

dyna mo · 08-15-2014, 09:45 AM

Quote:

Originally Posted by Barry-xlovecam

So, this brings the whole argument down to the reason for universal health coverage -- then there would be no need, and the excess costs and profits, in all of this bullshit ... No matter where you are: if you buy auto insurance a cost of $500 - $1,200 +- in premium/yr revolves around bodily injury auto accident events.

I'm not sure what you mean. if you mean universal healthcare not obamacare but real universal care then sure, of course. obamacare, I don't see how it helps the OP topic. we all still cover the uninsured motorists via that uninsured clause.

Robbie · 08-15-2014, 09:47 AM

The way I see it...once these insurance companies pay off enough politicians to get laws passed forcing us to buy their products...we get screwed hard.

Just look at auto insurance. Not only are we FORCED to carry it, but the govt. actually openly holds hands with the insurance companies to charge us more money.
Traffic cops are little more than revenue generators for insurance companies. You get a ticket...they instantly send the info to the insurance company so they can raise your rates.

That kind of bullshit would be unthinkable back in my grandparents early days...but with "babysteps" the govt. has little by little slid this shit in and gotten us all to just accept it as "the way things are".

Barry-xlovecam · 08-15-2014, 09:49 AM

Quote:

Originally Posted by dyna mo

I'm not sure what you mean. if you mean universal healthcare not obamacare but real universal care then sure, of course. obamacare, I don't see how it helps the OP topic. we all still cover the uninsured motorists via that uninsured clause.

Yes: "not obamacare but real universal care then sure"

dyna mo · 08-15-2014, 09:57 AM

Quote:

Originally Posted by Robbie

The way I see it...once these insurance companies pay off enough politicians to get laws passed forcing us to buy their products...we get screwed hard.

Just look at auto insurance. Not only are we FORCED to carry it, but the govt. actually openly holds hands with the insurance companies to charge us more money.
Traffic cops are little more than revenue generators for insurance companies. You get a ticket...they instantly send the info to the insurance company so they can raise your rates.

That kind of bullshit would be unthinkable back in my grandparents early days...but with "babysteps" the govt. has little by little slid this shit in and gotten us all to just accept it as "the way things are".

I think I read somwhere credit score can also impact insurance or vice vesa

brassmonkey · 08-15-2014, 09:57 AM

L-Pink · 08-15-2014, 10:00 AM

Quote:

Originally Posted by dyna mo

I think I read somwhere credit score can also impact insurance or vice vesa

Correct, you can go decades without an insurance claim but don't miss a couple of cable bills, lol.

SuckOnThis · 08-15-2014, 10:01 AM

Quote:

Originally Posted by L-Pink

Like the title says. I get my motorcycle insurance bill today from GEICO ???.

Body injury liability ?????????.. $66.00
Property damage liability ??????. $19.00
Comprehensive ????????????. $125.00
Collision ????????????????.. $195.00

Uninsured motorist ?????????? $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?

So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!

.

I'm pretty sure the $859 is not only for uninsured but also for under insured. If you get hurt in an accident most people don't have the adequate amount of insurance to cover the medical costs of being a paraplegic. Motorcycle medical is always very expensive, when I got a quote from Progressive a few years ago I was shocked at how cheap they were, lo and behold it was because there was no medical coverage.

Also, none of the above rates covers your medical if YOU are at fault. Bodily injury liability only covers the other parties medical if you're at fault but not you.

dyna mo · 08-15-2014, 10:08 AM

Quote:

Originally Posted by L-Pink

Correct, you can go decades without an insurance claim but don't miss a couple of cable bills, lol.

Robbie is about to pop a fuse when he reads this! it's outrageous really, to think your health coverage access is correlated to your credit worthyness. That's what math will do. these brainiac math guys creating these ultra sophisticated algorhtyhyms that factor in shit like that and are so fare beyond any law they can get away with it.

Robbie · 08-15-2014, 10:13 AM

Quote:

Originally Posted by dyna mo

Robbie is about to pop a fuse when he reads this!

I don't even get angry about it anymore.

I'm one of the people whom the "babysteps" have worked on. I now see that the govt. is large and in charge and the insurance companies, Big Pharma, and Big Medical Corp's will continue to fleece us as into the foreseeable future.

Nothing I can do about it except to look for candidates that are willing to take a stand against it and vote for them. But even if they get elected, enough cash and power gets waved in front of them and they don't deliver.

Barry-xlovecam · 08-15-2014, 10:16 AM

Quote:

Originally Posted by Robbie

The way I see it...once these insurance companies pay off enough politicians to get laws passed forcing us to buy their products...we get screwed hard.

Just look at auto insurance. Not only are we FORCED to carry it, but the govt. actually openly holds hands with the insurance companies to charge us more money.
Traffic cops are little more than revenue generators for insurance companies. You get a ticket...they instantly send the info to the insurance company so they can raise your rates.

That kind of bullshit would be unthinkable back in my grandparents early days...but with "babysteps" the govt. has little by little slid this shit in and gotten us all to just accept it as "the way things are".

None of that changes the fact that if "you (that person)" survive a serious auto accident "you (that person)" will end up with $250K or more in medical costs. The laws say they have to transport "you (that person)" to emergency care and that someone will have to pay.

So, if "you (that person)" cannot pay we all have to pay collectively (the Government pays).

Now, Medicare or Medicaid will reimburse 30 cents on the dollar or less. Auto insurers might pay 70% or more of medical accident related claims. (I think the percentage of reimbursement is higher actually.)

Retrogression to "my grandparents early days." will not happen unless a good part of the world is destroyed so it's irrelevant. That $878 I was originally charged for the MCCA medical fund is similar to lpink's uninsured premium cost on his policy in Florida -- all it is is cutting a piece of cake and calling it soufflé -- essentially it is a piece of food. If it was called a POS to eat that would be more metaphoric.

I live for today and tomorrow -- the past is the past.

Grapesoda · 08-15-2014, 10:27 AM

Quote:

Originally Posted by mineistaken

Huh? You get car insurance only after you get a car, lol. And even if you have a car you can drive it without (of course you risk fines) insurance. Unless you re talking about US, but I was talking about EU.

in cally I think the law is if you have a drivers license

johnnyloadproductions · 08-15-2014, 10:32 AM

I don't agree with it at all but it makes sense.

Off the top of my head I think in Chicago if you get caught without insurance it's simply a $100 fine last time I heard.
People who don't have insurance probably don't have money.

If you start taking everyone to court who doesn't have insurance or imposing severe penalities, those people find a way to drive anyway or will, system is going to be clogged. That hefty uninsured motorist fee is covering all the people who don't have insurance, who don't have money, thus the insurance company spreads that to everyone. It's just math, must be getting pretty bad for it to be that high, somebodies got to pay though.

Barry-xlovecam · 08-15-2014, 10:34 AM

Quote:

Originally Posted by Grapesoda

in cally I think the law is if you have a drivers license

Maybe by law ...

http://www.statisticbrain.com/uninsu...st-statistics/

Interesting list ...

johnnyloadproductions · 08-15-2014, 10:39 AM

A former friend of mine, that is now dead

, bought a Kawasaki 450 for the simply reason that his license had been revoked and he had been caught twice while driving on a suspended license.
He wrecked his bike by tailgating too closely and laying it down. The only thought on his mind after he wrecked was to get out of there as soon as possible. The cops managed to arrive before he could take off and went off on him.

That friend owed me a lot of money, around $2k in damages and loans I gave to him over the course of our friendship. Everything is ok however, because he made the ultimate sacrifice, the cost of his life.

Don't get in the habit of using alcohol and sleeping pills in your aid to get rest.

johnnyloadproductions · 08-15-2014, 10:44 AM

Quote:

Originally Posted by Barry-xlovecam

Maybe by law ...

http://www.statisticbrain.com/uninsu...st-statistics/

Interesting list ...

States with the Highest Percent of Uninsured Motorists
Mississippi 26 %
Alabama 25 %
California 25 %
New Mexico 24 %
Arizona 22 %
Tennessee 21 %

Those states either have a disproportionate amount of immigrants or a very high percentage of blacks.

Quote:

Mississippi's Black population was 1,111,856 in 2011 according to the U.S. Census Bureau. The actual percentage of African Americans in Mississippi was 37% which makes it the largest percent of African Americans of any state in the country.

This just proves that whitey bears the burden of everyone.

Robbie · 08-15-2014, 10:48 AM

Quote:

Originally Posted by Barry-xlovecam

So, if "you (that person)" cannot pay we all have to pay collectively (the Government pays).

How does that work exactly? If I get in a wreck and can't pay...how does the govt. "pay" for it?

I've never heard of that.

Matter of fact, when I DID get in a serious car wreck and broke my neck and both arms in 2002...I did not have health insurance. I only had car insurance. And it paid a max of $25,000 (there was only my vehicle involved).

I owed over a $100,000 dollars to the hospital, surgeons, etc.

The govt. didn't pay that. Neither did you or anybody else.

When I was released from the hospital a month later...they sent me a bill. And I began paying it in monthly payments.

Then, after about a year...one of the upper management of the big company that owned the hospital called me and told me the "real" price of my hospital stay: a little over $15,000
The rest of it were overblown prices designed for insurance company paperwork.

So I paid it off and was done.

Are you saying that the govt. comes in and pays our tax money to big privately owned multi-billion dollar medical corp.'s when someone has a wreck and can't pay it?

Really?

That's a hell of a scam.

I wonder if I could get the govt. to pay me whenever somebody does a chargeback?

Must be nice to be in the medical industry or insurance industry huh?

iwantchixx · 08-15-2014, 10:49 AM

Quote:

Originally Posted by L-Pink

Like the title says. I get my motorcycle insurance bill today from GEICO ???.

Body injury liability ?????????.. $66.00
Property damage liability ??????. $19.00
Comprehensive ????????????. $125.00
Collision ????????????????.. $195.00

Uninsured motorist ?????????? $859.00

!2 months of insurance for $405.00. But if I want to be covered for low-lifes who drive around uninsured it's an additional $859.00?!!! More than twice my normal rate to cover those that are skating the system?

So in effect I'm paying insurance for those that don't have it. Taxing me for the shortcomings of others again!

.

ANNNNND your rates skyrocket if you ever need to use it. Insurance is a scam. We need a public system in place.

johnnyloadproductions · 08-15-2014, 10:52 AM

Quote:

Originally Posted by Robbie

Then, after about a year...one of the upper management of the big company that owned the hospital called me and told me the "real" price of my hospital stay: a little over $15,000
The rest of it were overblown prices designed for insurance company paperwork.

So I paid it off and was done.

That is very interesting. Sometimes they do things to slow another company or mechanism down. It's just like understaffing the phones for certain companies, they know that some people, maybe 2-3%, will give up because they just can't get through.
They run the numbers and if it means more money and it is not illegal, they usually do it.

Barry-xlovecam · 08-15-2014, 11:59 AM

Quote:

Originally Posted by Robbie

How does that work exactly? If I get in a wreck and can't pay...how does the govt. "pay" for it?

I've never heard of that.

....

If you don't pay the federal government pays about 17% of a participating hospital's indigent care -- you didn't know that?
The hospital writes the balance off if uncollected and factors that into the prices they charge.

INDIGENT CARE PROGRAMS IN SELECTED STATES WITHOUT COPN PROGRAMS
http://dls.virginia.gov/GROUPS/COPN/...digentCare.pdf

Quote:

NRS 428.235 Application for reimbursement of charges; hospitals eligible for reimbursement.

1. If the hospital receives a certification that the person is an indigent person and it has complied with the procedures for collection established by the Board of Trustees of the Fund, it may apply to the Board for reimbursement or partial reimbursement of the unpaid charges for hospital care furnished to the indigent person.

2. The application must be in such form and contain such information as the Board requires.

3. If such an indigent patient is transferred, within 3 days after the first admission of the indigent patient, from one hospital to another, both hospitals are entitled to reimbursement in full for their unpaid charges.

(Added to NRS by 1983, 1940; A 1987, 1663)

Nevada State Law: https://www.leg.state.nv.us/NRS/NRS-...l#NRS428Sec235

So, the costs are transferred first to the states' Medicaid, then to federal government with uncollected costs then borne by the the patient payor. It's a hidden tax for healthcare of sorts.

You were not indigent so they collected something from you in cash ...

If you settled below any actual costs then any unrecovered costs were just added to other patient's bills as you were not indigent. The profits were written off and this loss affect's the contract price insurers negotiate.

Medical costs go up because medical services are not something you can outsource or something that you can import in a box. Medical costs charged to Insurers are not regulated only the premiums that Insurers charge are regulated (rubber stamped tariffs (policy premiums)) by that state's Insurance Commission and now there are mimimal requirements to policy coverage enacted by The Patient Protection and Affordable Care Act (PPACA), commonly called the Affordable Care Act (ACA) .

bigluv · 08-15-2014, 02:01 PM

I heard that any state that has been known to have MrMaxwell pass through has really high uninsured third party rates.

Captain Kawaii · 08-15-2014, 02:15 PM

viva la illegal immigrant. Enjoy your stay.

kane · 08-15-2014, 03:00 PM

Quote:

Originally Posted by Paully

Uninsured motorist only pays for medical bills so if you already have medical insurance just ditch it.

Just some food for thought.

My health insurance has an annual $2500 deductible and will pay about 80% of hospital costs (maybe more on some procedures).

Let's say an uninsured motorist hits me and I get messed up pretty badly. I need a few surgeries and I rack up $150K in medical bills which is very easy to do these days. I would be on the hook for roughly $32K of those bills. I might be able to sue my insurance and get them to pay or I might be able to sue the other driver and get them to pay it, but there is no guarantee that it will be covered.

How much uninsured motorist or any insurance costs can vary greatly depending on where you live and what your driving record is. For my main car I pay a total of $600 per year for insurance. That covers collision, uninsured etc. My uninsured only costs me about $150 per year so for me it is well worth spending those few dollars instead of potentially risking a massive medical bill.

kane · 08-15-2014, 03:06 PM

Quote:

Originally Posted by Robbie

How does that work exactly? If I get in a wreck and can't pay...how does the govt. "pay" for it?

I've never heard of that.

Matter of fact, when I DID get in a serious car wreck and broke my neck and both arms in 2002...I did not have health insurance. I only had car insurance. And it paid a max of $25,000 (there was only my vehicle involved).

I owed over a $100,000 dollars to the hospital, surgeons, etc.

The govt. didn't pay that. Neither did you or anybody else.

When I was released from the hospital a month later...they sent me a bill. And I began paying it in monthly payments.

Then, after about a year...one of the upper management of the big company that owned the hospital called me and told me the "real" price of my hospital stay: a little over $15,000
The rest of it were overblown prices designed for insurance company paperwork.

So I paid it off and was done.

Are you saying that the govt. comes in and pays our tax money to big privately owned multi-billion dollar medical corp.'s when someone has a wreck and can't pay it?

Really?

That's a hell of a scam.

I wonder if I could get the govt. to pay me whenever somebody does a chargeback?

Must be nice to be in the medical industry or insurance industry huh?

Most public hospitals and some private hospitals have a fund that they can use to pay the bills of those who can't afford them. A while back a friend of a friend was in the hospital for a mild heart attack and had a stent put in. Their bill ended up being around $20K. They were barely getting by so they contacted the hospital, filled out some forms and went through a process and the hospital forgave all of those bills.

Some of that funding comes from private donations. Some is written off by the hospital as a loss and some of it does come from the government in various forms. So, in a round about way, if someone can't afford to pay the bill and it is ultimately forgiven some tax dollars do go towards paying it.

Barry-xlovecam · 08-15-2014, 03:12 PM

Quote:

Originally Posted by kane

Let's say an uninsured motorist hits me and I get messed up pretty badly. I need a few surgeries and I rack up $150K in medical bills which is very easy to do these days. I would be on the hook for roughly $32K of those bills. I might be able to sue my insurance and get them to pay or I might be able to sue the other driver and get them to pay it, but there is no guarantee that it will be covered.

No. The 80% co-pay has a deductible also, after that co-pay deductible amount is reached, if your policy has no exclusion for auto accidents, the insurer pays 100%.

I had $20K to $30K in these co-pay services for 3 years. The deductibles were $1.5K/$1.5K for a total of $3K out of pocket (patient expense).

ErectMedia · 08-15-2014, 06:16 PM

http://en.wikipedia.org/wiki/No-fault_insurance

brassmonkey · 08-15-2014, 06:19 PM

Quote:

Originally Posted by ErectMedia

http://en.wikipedia.org/wiki/No-fault_insurance

he's not driving a car

kane · 08-15-2014, 06:26 PM

Quote:

Originally Posted by Barry-xlovecam

No. The 80% co-pay has a deductible also, after that co-pay deductible amount is reached, if your policy has no exclusion for auto accidents, the insurer pays 100%.

I had $20K to $30K in these co-pay services for 3 years. The deductibles were $1.5K/$1.5K for a total of $3K out of pocket (patient expense).

This is the first time I have ever heard of it working like this. Maybe your plan does, but I just looked at my plan it says they cover 80% of hospital costs. It says nothing about a second copay for this coverage. Although I do see that my plan has a max out of pocket payment of $6,000. so I would only be on the hook for up to that much.

Paully · 08-15-2014, 10:38 PM

Quote:

Originally Posted by kane

This is the first time I have ever heard of it working like this. Maybe your plan does, but I just looked at my plan it says they cover 80% of hospital costs. It says nothing about a second copay for this coverage. Although I do see that my plan has a max out of pocket payment of $6,000. so I would only be on the hook for up to that much.

That's pretty high. Usually I see maybe 3000 per person or 6000 per family per year max out of pocket. 3 grand is basically an ambulance ride and an emergency room visit for some stitches. After that insurance should take care of it 100%.

Some insurance is $150 ER visit and 20% out of pocket for hospital stay until the out of pocket maximum is met at 3 grand then they cover the rest.

kane · 08-16-2014, 12:06 AM

Quote:

Originally Posted by Paully

That's pretty high. Usually I see maybe 3000 per person or 6000 per family per year max out of pocket. 3 grand is basically an ambulance ride and an emergency room visit for some stitches. After that insurance should take care of it 100%.

Some insurance is $150 ER visit and 20% out of pocket for hospital stay until the out of pocket maximum is met at 3 grand then they cover the rest.

When I chose my plan I had to make some choices. I could have either had a lower max out of pocket for hospitals etc and not as good of prescription coverage or I could have had a higher overall deductible. I have asthma and one of the medications I take for it is pretty expensive so I chose to have the better prescription coverage. If I end up in the hospital the extra I may have to pay will have more than been covered by what I saved on medication.

08-15-2014, 09:19 AM	#51
Scott McD Too lazy to set a custom title Join Date: Nov 2002 Location: Glasgow, Scotland Posts: 67,795	50 broke ass losers... __________________ I Buy My High Quality Traffic Here, You Should Too!

08-15-2014, 09:35 AM	#55
Robbie Leaner, Meaner, Faster Industry Role: Join Date: Aug 2002 Location: Vegas Posts: 20,959	I don't understand any of this. Our auto insurance should be dirt cheap. Everybody that drives is forced to buy it. And just like ObamaCare...once the "pool" of people insured is that high....the prices will go way down! Oh...wait a minute... __________________ -Robbie ClaudiaMarie.Com

08-15-2014, 09:47 AM	#59
Robbie Leaner, Meaner, Faster Industry Role: Join Date: Aug 2002 Location: Vegas Posts: 20,959	The way I see it...once these insurance companies pay off enough politicians to get laws passed forcing us to buy their products...we get screwed hard. Just look at auto insurance. Not only are we FORCED to carry it, but the govt. actually openly holds hands with the insurance companies to charge us more money. Traffic cops are little more than revenue generators for insurance companies. You get a ticket...they instantly send the info to the insurance company so they can raise your rates. That kind of bullshit would be unthinkable back in my grandparents early days...but with "babysteps" the govt. has little by little slid this shit in and gotten us all to just accept it as "the way things are". __________________ -Robbie ClaudiaMarie.Com

08-15-2014, 09:57 AM	#62
brassmonkey Pay It Forward Industry Role: Join Date: Sep 2005 Location: Yo Mama House Posts: 77,086	__________________ TRUMP 2025 KEKAW!!! - The Laken Riley Act Is Law! DACA ENDED - SUPPORT AZ HCR 2060 52R - email: brassballz-at-techie.com

08-15-2014, 10:32 AM	#69
johnnyloadproductions Account Shutdown Industry Role: Join Date: Oct 2008 Location: Gone Posts: 3,611	I don't agree with it at all but it makes sense. Off the top of my head I think in Chicago if you get caught without insurance it's simply a $100 fine last time I heard. People who don't have insurance probably don't have money. If you start taking everyone to court who doesn't have insurance or imposing severe penalities, those people find a way to drive anyway or will, system is going to be clogged. That hefty uninsured motorist fee is covering all the people who don't have insurance, who don't have money, thus the insurance company spreads that to everyone. It's just math, must be getting pretty bad for it to be that high, somebodies got to pay though. Last edited by johnnyloadproductions; 08-15-2014 at 10:33 AM..

08-15-2014, 10:39 AM	#71
johnnyloadproductions Account Shutdown Industry Role: Join Date: Oct 2008 Location: Gone Posts: 3,611	A former friend of mine, that is now dead , bought a Kawasaki 450 for the simply reason that his license had been revoked and he had been caught twice while driving on a suspended license. He wrecked his bike by tailgating too closely and laying it down. The only thought on his mind after he wrecked was to get out of there as soon as possible. The cops managed to arrive before he could take off and went off on him. That friend owed me a lot of money, around $2k in damages and loans I gave to him over the course of our friendship. Everything is ok however, because he made the ultimate sacrifice, the cost of his life. Don't get in the habit of using alcohol and sleeping pills in your aid to get rest.

08-15-2014, 02:01 PM	#77
bigluv Confirmed User Join Date: Jul 2008 Posts: 850	I heard that any state that has been known to have MrMaxwell pass through has really high uninsured third party rates.

08-15-2014, 02:15 PM	#78
Captain Kawaii So Fucking Banned Industry Role: Join Date: Oct 2007 Posts: 6,748	viva la illegal immigrant. Enjoy your stay.

08-15-2014, 06:16 PM	#82
ErectMedia Confirmed Chicago Pimp Industry Role: Join Date: Aug 2004 Location: Chicago Posts: 7,100	http://en.wikipedia.org/wiki/No-fault_insurance __________________ Domain Name Registration Web3 Domains