Insurance

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In today’s world of technology, I wonder why people can get away with no auto insurance. How many people have ended up eating the cost after their vehicle was damaged or they were injured by uninsured drivers? People have to prove they have insurance when they register their vehicles and then some go and cancel it the next day. With the technology we have today, why don’t they set up a database between the DMV and insurance companies? If a registered vehicle’s insurance is canceled, without being replaced by another insurance company, the insurance company should send an alert to the DMV that a vehicle is no longer insured. Those vehicles could be red flagged and subject to their vehicle immediately being impounded. In some states, the fine for not carrying insurance is as low as $75. That’s a lot cheaper than paying for insurance but it doesn’t help a victim of an uninsured driver. I'm tired of paying for others lack of accountability or for not following the law. How high have our premiums gone due to uninsured drivers? How many of us now have to pay for uninsured motorist insurance? Many of those without insurance don’t have it because their driving record is too bad to get it. Many illegals don’t carry insurance. Why should they if their is no real penalty?

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How do they renew their tags? In Canada you need to provide proof of insurance.

+2   2  Reply

SynysterGates 3 months ago

In response to “How do they renew their tags? In Canada you...

In Colorado, they "trust" you when "renewing". You only have to show proof the first time it is registered. That still doesn't solve the problem of insuring and then canceling once you get your plates.

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JustJimColo 3 months ago

In response to “In Colorado, they "trust" you when...

Having drivers show proof of insurance when renewing tags is one option. They fine for no insurance in Canada is minimum $1,000 and maximum $5000.

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SynysterGates 3 months ago

In response to “Having drivers show proof of insurance when...

The fine isn't that much most places in the US. The illegals don't show for court in the US anyway. Again, the only way to find out if a car is uninsured is generally after they have been in an accident. We need to impound the uninsured cars before they are in an accident. If they are licensed, and have plates, they need to be insured.
https://www.carinsurance.com/dr...ies-state.aspx

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JustJimColo 3 months ago

In response to “The fine isn't that much most places in the...

I agree Jim. How would they know who's insured or not?

DMV should have that responsibility.

+1   1  

SynysterGates 3 months ago

In response to “I agree Jim. How would they know who's...

I agree. If insurance companies would partner with the DMV and send an alert to the DMV when insurance has been canceled, there would be a way of tracking uninsured vehicles. It would be a win win scenario. Insurance companies would get more business and the road would have less uninsured drivers.

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JustJimColo 3 months ago

In response to “I agree. If insurance companies would partner...

Great Idea. Now go sell that idea to DMV for a 3% cut. (hehe)

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SynysterGates 3 months ago

In response to “Great Idea. Now go sell that idea to DMV for...

Never happen. The Democrats would call it racist or xenophobia. Just wishful thinking here.

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JustJimColo 3 months ago

In response to “I agree. If insurance companies would partner...

They clamp and fine over 8000 cars every month for having no tax insurance or mot...this is in England ...

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JD 3 months ago

In response to “The fine isn't that much most places in the...

Just Jim: I never thought someone would be so shifty as to do buy insurance then cancel it. The idea of sending un insured notices can't be that difficult - if you are paying on a loan the insurance company. I have a feeling the police wouldn't want that extra information as it would cause them more work. Myself I have had the wrong years card in my car, the police here know me so just said get the correct card into the car asap. Maybe they trust me or maybe they don't care, I don't know.

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LorraineTwevlehundredRaineTwelvehundred 3 months ago

In response to “Just Jim: I never thought someone would be...

People who insure and then cancel are more common than we think. If people are financing the car, the finance company makes sure it is insured and if they cancel insurance, the insurance contacts the finance company. The cars that don't have insurance are generally older cars or ones that have been paid for. I know it would be more work for the cops initially but once people found out there was a system in place and they had to pay the police a few hundred to get their car out, plus towing and storage fees, I think most people would start carrying insurance. Besides, you probably just look trustworthy. :)

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JustJimColo 3 months ago

In response to “People who insure and then cancel are more...

JJ Sounds good, but you know some people are going to try to get away with no insurance, I wonder if you could take them to small claims court uf they don't have insurance?

+1   1  

LorraineTwevlehundredRaineTwelvehundred 3 months ago

In response to “JJ Sounds good, but you know some people...

You can always take someone to small claims court, but if they don't have anything, what's the point?

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JustJimColo 3 months ago

In response to “The fine isn't that much most places in the...

IN England they catch 8000 each month and if a detector van finds you or the police this is what you get back to and have to pay the fine and make sure the car is legal before it's released

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JD 3 months ago

After working in the automotive business for 30 years, I heard a lot of these stories from people who brought their vehicles in for repairs.
It's also mandatory to provide proof of insurance here in order to register your vehicle but people are still finding ways to get around it.
I highly agree with your statements and would like to see more action taken!

+2   2  Reply

Rooster 3 months ago

In response to “After working in the automotive business for...

You write code. Come up with software that fit's the need and propose it. :)

+1   1  

JustJimColo 3 months ago

In response to “You write code. Come up with software that...

I just might do that this week-end and submit it to the DMV!

+1   1  

Rooster 3 months ago

In response to “I just might do that this week-end and submit...

Remember.. I get .001% LOL

I'm cheap, but not easy.

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JustJimColo 3 months ago

Obviously some get away with no insurance in England but they know if anyone has no insurance, tax and M.O.T. ...we have detector vans driving round that can detect any car without all legal requirements and police can check any car....

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JD 3 months ago

In response to “Obviously some get away with no insurance in...

JD Wow that sounds like James bond technology. (chew)

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LorraineTwevlehundredRaineTwelvehundred 3 months ago

In response to “JD Wow that sounds like James bond...


These vans have cameras and detectors all over

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JD 3 months ago

PA held up our registration for a vehicle because the insurance co notified DMV that we canceled our policy. Of course they neglected to mention the we got insurance with another co. Over five times our ins. co faxed proof of ins to Harrisburg but they ignored it. I called the AG's office and they asked why I called them. I told them that they were the only ones answering their phones that day. They got a chuckle out of it and I did get cleared the same day.
We have Underinsured ins on our policy - that just means that they can't get money out of the you know who so they get from responsible people who have a lot to lose if we don't carry ins. What a scam on responsible people.

+2   2  Reply

ozzyboy 3 months ago

In response to “PA held up our registration for a vehicle...

I wish all insurance companies would let them know, and that they would act on it. <s> I have 5 vehicles and have to carry uninsured motorist on all of them. That's an extra couple hundred a year to the insurance companies. Maybe that's why there isn't a push to enforce the laws.

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JustJimColo 3 months ago

police need them so they can kill criminals and crazies.

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LorraineTwevlehundredRaineTwelvehundred 3 months ago

In Maine insurance is required, no insurance means no registration, or inspection tickets. Every time a cop stops you it is required to be shown. What more could they do?

+1   1  Reply

LorraineTwevlehundredRaineTwelvehundred 3 months ago

In response to “In Maine insurance is required, no insurance...

Some state require insurance companies to alert them, some don't. People play the odds. What are the odds of getting stopped? Ever watch cops? Nobody has insurance when they are stopped and most don't even have a drivers license.

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JustJimColo 3 months ago

Just Jim - I have been stopped a bunch of times, not so much since I traded my celica sporty to prius granola . They only ask for all that but yes I do have all I need. BUT one time a big truck scrapped my front end, he was all mad and asked if I had insurance, I said of course- then when the police got there he didn't have proof. of insurance. He seemed to know the cop and said he would go home and get it. I didn't push it cause my car will need its yearly fix up soon anyhow. I do wish large pickups were banned from parking lots,it was that way years ago, compact cars only. they are so rude taking up 2 spaces or just running into other cars parked because the truck is parked at weird angles or whatever else the jerks do.

+1   1  Reply

LorraineTwevlehundredRaineTwelvehundred 3 months ago

In response to “Just Jim - I have been stopped a bunch of...

I've been stopped maybe 4 times in 47 years of driving. You must be a wild woman behind the wheel. LOL Banning pickup from parking lots? Lorraine, where I am from, there are more pickups and large SUV's in the parking lots than cars. I think the problem isn't so much the size of the vehicles as the fact that parking spots have been made so much smaller over the years. I've also seen a lot cars taking up two spots so nobody will get close to their car. <s>

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JustJimColo 3 months ago

Just Jim - you may be right about size of the lots I never thought of that. , Oh I am a slower driver very careful, but they stop me for odd things like the inspection sticker off center r or registration sticker, couple years ago I always got stopped when leaving my favorite dance place, I don't drink but they think if you are slower you must be drunk - I just say Honey I don't drink - just diet coke. . I never get a ticket not even when I was driving 80 around a mall, that was years ago, I am not all revved up these days. . Cops here are pretty good but especially to me as I worked for the city years ago, just chat and ask them a few questions and they always say just warning or something. Plus I always wave when I see cops and give em a thumbs up when they have a speeder pulled over

+1   1  Reply

LorraineTwevlehundredRaineTwelvehundred 3 months ago

In response to “Just Jim - you may be right about size of the...

It never hurts to be friendly. :)

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JustJimColo 3 months ago

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