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My car was parked in front of my brothers house. It was rear-ended and totaled by a 16-year-old girl that OD'd on pills while driving. My insurance didn't want to pay because the accident was caused by another driver. Her insurance didn't want to pay because she was under the influence. After many months my insurance company finally got her insurance company to pay, I think they had to go to court. If that judgment had not fallen in my favor I would have been fucked. That's only one example of many that I have of insurance companies doing everything they can to get out of paying a bill that they should be paying. When your own insurance company fights to screw you, guess what the other person's insurance company is going to do. |
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If your insurance expires, there is a central register, and you get automatically fined a fee for every month uninsured, every month costs you almost an equivalent of yearly basic car insurance, and it doesn't provide ANY insurance. So if you would cause an accident when your car insurance is no more valid, all the damage gets out of your pocket. |
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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. |
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?
Isn't one in four breaking the law enough probable cause to start enforcing the law? Driving is a privilege not a right, so start enforcing the most basic of traffic laws. Not to turn this into an immigration thread but as Grapesoda pointed out, what do illegal immigrants add to everyone's insurance as well as medical bills? According to a 2010 New York Times investigation an estimated 4.5 million illegal immigrants nationwide are driving regularly, most without licenses. It's probably safe to assume no one in this country illegally, without a license, is paying for auto insurance. edit; This $859.00 is just for my motorcycle coverage, when I'm drunk I'm going to see what it also adds to my automotive coverage ……. . |
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Where I live us honest hard working people are forced to get uninsured along with comp and collision. That's if you have the title of your vehicle, if you still owe on it, it's a lot more. I messed up and bought my daughter a new car on her 17th birthday. The full coverage on the vehicle with reasonable deductibles was $3,800 a year. The insurance payment was the same as the car payment. :mad: :mad: :mad: My oldest is now 21 and has never even received so much as a parking ticket since she's been driving. Her premium dropped a little when she turned 21, but not by much. Especially all the times it has increased over the years. |
50 broke ass losers... :warning
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I might feel a little better about that if they were at least driving legally! |
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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. |
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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. |
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... :( |
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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. |
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In theory yes. In reality NO! Why? The insurers need to pay the lawyers and make their cut too (profits). |
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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". |
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Yes: "not obamacare but real universal care then sure" |
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I think I read somwhere credit score can also impact insurance or vice vesa |
:1orglaugh:1orglaugh:1orglaugh
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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. |
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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. :( |
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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. |
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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. :upsidedow |
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Maybe by law ... |
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. :pimp Don't get in the habit of using alcohol and sleeping pills in your aid to get rest. :2 cents: |
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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:
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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? |
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They run the numbers and if it means more money and it is not illegal, they usually do it. |
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If you don't pay the federal government pays about 17% of a participating hospital's indigent care -- you didn't know that? |
I heard that any state that has been known to have MrMaxwell pass through has really high uninsured third party rates.
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viva la illegal immigrant. Enjoy your stay.
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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. |
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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. |
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