PSA: Even with uninsured motor coverage, a hit and run could leave you not covered.

[Climber]

A loophole in auto insurance coverage (probably put in there by that twat quackenbush) means that if you're hit and run you aren't covered, the excuse is that the insurance company doesn't know that the other driver was uninsured.

I've asked my State Farm agent several times on this, to be sure and several agents in the office told me that it's true.

Just thought people should know, so if you're hit and the other person tries leaving make damn sure you get their license plate!

 

[Sharky]

A loophole in auto insurance coverage (probably put in there by that twat quackenbush) means that if you're hit and run you aren't covered, the excuse is that the insurance company doesn't know that the other driver was uninsured.

I've asked my State Farm agent several times on this, to be sure and several agents in the office told me that it's true.

Just thought people should know, so if you're hit and the other person tries leaving make damn sure you get their license plate!

So where did you hear this?

 

[Blankpage]

So where did you hear this?

I've asked my State Farm agent several times on this, to be sure and several agents in the office told me that it's true.

 

[aminalmutha]

Yeah, I thought this was basically common knowledge.

I've lived it... got hit by an uninsured motorist, insurance company fixed my shit for $0 out of pocket. A couple years later, vehicle got annihilated by some sack of shit who ran off and they subtracted my deductible from my compensation.

Total bullshit, but yep, that's how it works.

 

[MysterYvil]

Very true in my experience. Plus other loopholes...

Our legally parked car was smashed by a pizza delivery driver. He was caught on the scene, PD came out and made a report (thanks to my neighbors who called in that he was trying to flee in his wrecked car), so we had all the info.

We had collision, comprehensive, and uninsured coverage through State Farm. He had liability insurance.

All good! Except that he was working. So we had to cough up our deductible to get repairs started and pay for a rental car out of pocket while our insurance, his insurance, and Pizza Hut's insurance argued about who covered what and why.

We were reimbursed after about six months of fighting. Plus the repair shop reported it to Carfax which really hit our resale value.

(As an aside, I had to do the legwork and calls. My State Farm agent and the SF claim people did zero. After 32 years with no claims. I switched to GEICO, and they have been angels so far.)

 

[Charles R]

My loophole involved fire.

I was parked next to a Mercedes ML that burst into flames. The heat from the fire set my truck ablaze, and destroyed it.

Both insurance companies said, "since there's no actual contact, it's not covered. It's just considered an "act of God"." And since I had no comprehensive coverage, it was zero payout.

Fuck insurance companies.

 

[HappyHighwayman]

Can't you sue the other car owner for destroying your car?

 

[rsrider]

Universal coverage, pay at the pump. Why is it so hard?

 

[Schnellbandit]

My loophole involved fire.

I was parked next to a Mercedes ML that burst into flames. The heat from the fire set my truck ablaze, and destroyed it.

Both insurance companies said, "since there's no actual contact, it's not covered. It's just considered an "act of God"." And since I had no comprehensive coverage, it was zero payout.

Fuck insurance companies.

Sorry dude, not being insured isn't anyone else's fault. If you could prove your truck caught fire because of the Mercedes then tske the owner to court. It isn't the insurance company's job to hire an attorney for you. You could have sued for damages, costs etc.

Why didn't you?

The hit and run stuff is the same. How many times does someone hit something and then try to claim soneone else did it? Carry full coverage and even if its a hit and run with no license plate, insurance covers it under comp. Yes, there is a deductible but that is within your control too, it just costs money. Insurance is part and parcel to owning and driving.

It really sucks when someone uninsured plows your car or bike but lets not forget who did it, it was that low life.

California doesn't require a driver to show proof of insurance to get a driver license, only the car used must be insured.

Now ask yourself why the driver isn't required to carry a minimum amount of liability insurance for the priviledge of having a driver license and you'll start to see where the problem really is.

 

[CoorsLight]

Universal coverage, pay at the pump. Why is it so hard?

Because the insurance industry exists, has a metric shitton of money and influence, and they apply huge pressure (read: lobbying) on government to maintain their relevance.

Why is Obamacare a turd sandwich? Because the insurance industry owns both sides of the aisle.

 

[Schnellbandit]

Universal coverage, pay at the pump. Why is it so hard?

Because then everyone would have to pay and this is California and what about all the protected groups?

Insurance companies would probably like it, more money for them.

 

[bojangle]

Yeah, I thought this was basically common knowledge.

I've lived it... got hit by an uninsured motorist, insurance company fixed my shit for $0 out of pocket. A couple years later, vehicle got annihilated by some sack of shit who ran off and they subtracted my deductible from my compensation.

Total bullshit, but yep, that's how it works.

Same here. I've experienced this with a hit and run and thought it was mostly common knowledge. Of course insurance companies are going to write things to limit their liability.

Can't you sue the other car owner for destroying your car?

Yup!

 

[Holeshot]

Because the insurance industry exists, has a metric shitton of money and influence, and they apply huge pressure (read: lobbying) on government to maintain their relevance.

Why is Obamacare a turd sandwich? Because the insurance industry owns both sides of the aisle.

Universal coverage, pay at the pump. Why is it so hard?

On board. Good idea. Same with health insurance; pay at the trough.

 

[packnrat]

Universal coverage, pay at the pump. Why is it so hard?

WHY should good drivers pay for the stupid fools out there.
your rates go up and you did nothing wrong.
the creap causing the damage just goes on with life and never suffers a increse do to his (her) stupid actions.

personal responsibly needs to be inforced here.

.

 

[UDRider]

WHY should good drivers pay for the stupid fools out there.
your rates go up and you did nothing wrong.
the creap causing the damage just goes on with life and never suffers a increse do to his (her) stupid actions.

personal responsibly needs to be inforced here.

.

And that is different from current situation how?

 

[CoorsLight]

And that is different from current situation how?

The current situation also clogs the courts, bloats the insurance industry, and lines the pockets of personal injury lawyers and certain types of doctors.

If we implemented pay at the pump these poor insurance salesmen, lawyers, and doctors might have to find legitimate, constructive work. Have a heart, man!

 

[UDRider]

The current situation also clogs the courts, bloats the insurance industry, and lines the pockets of personal injury lawyers and certain types of doctors.

If we implemented pay at the pump these poor insurance salesmen, lawyers, and doctors might have to find legitimate, constructive work. Have a heart, man!

 

[Charles R]

Sorry dude, not being insured isn't anyone else's fault. If you could prove your truck caught fire because of the Mercedes then tske the owner to court. It isn't the insurance company's job to hire an attorney for you. You could have sued for damages, costs etc.

Why didn't you?

The hit and run stuff is the same. How many times does someone hit something and then try to claim soneone else did it? Carry full coverage and even if its a hit and run with no license plate, insurance covers it under comp. Yes, there is a deductible but that is within your control too, it just costs money. Insurance is part and parcel to owning and driving.

It really sucks when someone uninsured plows your car or bike but lets not forget who did it, it was that low life.

California doesn't require a driver to show proof of insurance to get a driver license, only the car used must be insured.

Now ask yourself why the driver isn't required to carry a minimum amount of liability insurance for the priviledge of having a driver license and you'll start to see where the problem really is.

Where did i say i didn't have insurance? Drop off the soapbox schell.

Could have sued. Would have won. Not worth my time for the actual provable value of the truck. (Although anyone "in the know" would have valued the truck well over twice the blue book)

 

[Mike95060]

Because the insurance industry exists, has a metric shitton of money and influence, and they apply huge pressure (read: lobbying) on government to maintain their relevance.

Why is Obamacare a turd sandwich? Because the insurance industry owns both sides of the aisle.

No way man, that can't possibly be right. Who would dare think profitable industries have more of a say in government then the majority of citizens in this fine republic?

 

[Schnellbandit]

Pay at the pump could work, you must already carry proof of insurance so make the proof a card with a chip. When you buy gas you swipe your proof of insurance or no gas.

Lawn mover? No sweat, fill the can with no then fill to car. It would become impractical for many people to not have insurance and run around getting gas in cans under the guise of using a lawn mover.

Big brother? Sure, but if you use a debit or CC to buy gas, finding out what gas station you visited, when and how much gas you bought is easy enough to find out. The forged card business would boom but being caught, say for speeding would bring a whole new set of charges, fraud being one of them.

Really though, we already have a built-in solution to deal with much of the problem, link insurance to the driver license not the vehicle. Each vehicle owner then just carries some form of comprehensive insurance to cover things like fire, theft, vandalism etc.