ls1mike
$50 Site Donor 2024
I was told by the Washington State Police when my my truck was wrecked that 60% of the people in WA do not carry auto insurance.
Explain uninsured motorist coverage
- Thread starter atikovi
- Start date
I believe that...
For mine there's a separate line for what looks like bodily injury and for property damage. The property damage line item is about $4 for each car for 6 months with the state maximum $3500 coverage.
Is it required for car registration?
I got a notice from the CA DMV once that I couldn't register until they had my insurance information. I'd just gotten new insurance and there was an issue where the VIN in the database was off by a single digit. My parents just got a new car and they were able to register it as a new vehicle, but they got a notice too. They were required to get insurance specific to the car within 30 days of purchase, and the letter stated that they had no insurance on file. I asked to see their insurance card and it was off by one letter and one digit and I helped call it in to their insurer to fix that and then mail a copy of the insurance card to the DMV.
ls1mike
$50 Site Donor 2024
Nope. It is crazy.
Pretty sure this falls under the laws of the state. I know IL requires uninsured/underinsured on all policies now. I have it on all my vehicles on top of the other coverage, my Camaros have just regular comp, the 94 Camaro also has special insurance for its a heavily modded car that I also race, and my truck has collision as well. IL is also a mandatory insurance state but there are so many people who don't have it they made the uninsured/underinsured mandatory about a decade or so ago.
If someone hits you here with no insurance, then your insurance company must cover the costs to repair/replace/medical/property damage. If someone hits you and they have limits too low to cover what it would cost to repair/replace/medical/property damage, then your insurance company must cover the rest. The uninsured/underinsured insurance covers for both these things.
I know the DMV here has gotten a lot more strict on making sure you have insurance when you renew your drivers license in the last 10 years because of the law change. Before that you didn't even need to show anything to renew other than your old license. Course they want 5 different documents now for the REAL ID as well, which its another thing in and of itself. I have a passport so I just told them give me the regular one last year.
If someone hits you here with no insurance, then your insurance company must cover the costs to repair/replace/medical/property damage. If someone hits you and they have limits too low to cover what it would cost to repair/replace/medical/property damage, then your insurance company must cover the rest. The uninsured/underinsured insurance covers for both these things.
I know the DMV here has gotten a lot more strict on making sure you have insurance when you renew your drivers license in the last 10 years because of the law change. Before that you didn't even need to show anything to renew other than your old license. Course they want 5 different documents now for the REAL ID as well, which its another thing in and of itself. I have a passport so I just told them give me the regular one last year.
Wouldn't surprise me at all, I'm sure IL has about the same rate. Up in Chicago its probably more like 75-80%.
Then you take their life and then enact the punishment on their next of kin.
The short answer is it covers you from the millions of drivers on the US roads who buy/steal cars and drive them w/o insurance. It basically raises your rates so losers who don't belong behind the wheel are covered by you should they have an accident with you. Liability insurance should be mandated Federally, so every state requires liability coverage. Flame away. Then people driving w/o insurance should spend some time in jail and have their cars impounded and sold at auction to fund the police, and lower rates if they're caught driving w/o insurance. Rant off. 
The ONLY upside to it was that he couldn't make Bond and had to sit in jail until his trial . The Judge gave him credit for time served and imposed a fine . This was his 3rd offense DWI . Sloppy drunk at lunchtime on a Wednesday . What does that tell you ?
GON
$100 Site Donor 2024
OJ has a multi-million dollar judgement against him, and has had this judgement for decades and the plaintiffs have been in hot pursuit of this money from day one till today. Yet the plaintiff can't touch some if not all of OJ's assets. His six figure NFL annual pension is judgement proof/ protected. In some states real estate is also judgement proof/ protected.
One has to ask what their mission is when it comes to suing an individual with no monies. What is their end-state? One can spend millions of dollars and time in trying collect thousands....... is the juice worth the squeeze?
Because we have a ton of illegals driving around with no insurance you better get it.
A drunk driver hit my friend's older CR-V almost 10 years back. He had no insurance. At least he didn't run... She got the max payout from her uninsured motorist policy, something like $3,500. The CR-V was worth much more than that.
The illegal numbers is a political painted/leaning media driven push. We have way more citizens without car insurance then a subset of “illegals”.
She chose not carry collision or comprehensive (if parked) which would cover it and assumed the risk.
Sucks of course .
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Correct. It was an older CR-V; she decided against comp and collision. Hindsight, as they say.
ls1mike
$50 Site Donor 2024
Seems odd uninsured had max payout. Mine pays out whatever the damages are.
The issue referenced did not carry collision so they got max of uninsured coverage for property. If they carried collision then they would get their damages for vehicle.
ls1mike
$50 Site Donor 2024
Not how my policy works. That is interesting. I just went through this on truck. Collision had not to do with. All covered under uninsured motorist.
It may differ state to state and options. Interesting to see if collision coverage on uninsured option exists in yours if you opted out of normal collision.
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