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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. |
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