True North wrote:
On Tuesday, 19 November 2013 21:30:37 UTC-4, Califbill wrote:
wrote:

On Tue, 19 Nov 2013 16:46:03 -0600, Califbill

wrote:



iBoaterer wrote:



Here insurance proof is electronic. No insurance, no tag, don't even

have to show a paper copy. Insurance lapses, tag is deemed invalid, LEO

runs the tag, finds out that uninsured and therefore tag is invalid, go

to jail, car towed.



Not in California. Not any room in jail anyway. Besides, insurance seems

to be on a less than yearly payment cycle and tags are yearly.



Yeah Kevin really seems to believe the cops spend all their day trying

to catch uninsured motorists.



OTOH if the tags were issued by the insurance company, they would

simply send a minimum wage goon over to repossess the tag if you let

your insurance lapse. It would still belong to them.



Actually they should impound the car. Who needs insurance? Not the poor.

Legally they are supposed to have it to drive, but with no assets and no

jail room, as well as who is going to take care of the family while in

jail. They do not need it as they have no assets to protect. My wife was

in an accident yesterday. Stop light and a lady in a rental Chevy Tahoe

hit the car in back driving that car in to the wife's. Wiped out the

plastic bumper. I asked the insurance guy who came by to get an estimate

of the damage, about whose insurance actually covered the damage, if the

first car had none. He said both our and the guy behinds uninsured

motorist coverage would be the payee. Luckily my wife only had a small

sore spot on her head where it hit the headrest. The insurance situation

is a major problem. If wife hit someone who is uninsured, they collect in

to the millions. I carry a $2,000,000 umbrella policy as well as car

insurance. The uninsured hits my wife and does the same injuries, and my

insurance has to cover the loss. No pain and suffering, lost wages, etc.

make it so you can only collect as much money as you carry insurance for.

Minimum insurance in this state is $35,000 liability and about $15k

property damage.


$35K??
Man, we had that requirement when I was in high school back in the '60s.
It's been at least 100K minimum for a long time now but everyone carries
at least one million PLPD.

You are ignorant if you carry a million PLPD. First, how much is does your
courts normally award? And much better and cheaper, at least in the
states, to carry $300k liability and buy an umbrella policy for a couple
million. $300k is what State Farm requires on the car to issue an umbrella
policy. The umbrella covers you in a lot more areas than car insurance,
and I think I pay $275 a year for the $2 million policy.