Don't get hit by an uninsured driver
#31
Originally Posted by ttrank
I'm not sure about your state but here you are required to have insurance and it IS the cop's job to confirm their insurance.
Originally Posted by WUKILLABEEZ
That sucks your state doesn't have everything in a database accesible for the police. Here in NC people hand me insurance cards all the time but I don't go by that information. I run the car's license plate or VIN number and get all the information that is on file with DMV (Division of Motor Vehicles). It takes 2 seconds for the info to come back and it comes directly from DMV's database. DMV's database is updated daily and anytime someone's insurance lapses that insurance company contacts DMV so it is updated in the system. It tells me all the registration info for the vehicle and all the insurance info such as provider and policy number. As long as it's legit I then fill out a driver exchange info form and give each party a copy of the other's info. If someone's insurance has lapsed, license revoked, registration expired, etc... I will cite them or even arrest them depending on their past history (I can access this as well) and the severity of the accident.
This is all very interesting to me. I'd hate to be a cop in a place where you don't have all that info readily available. I have noticed that when I run info for out-of-state drivers some of the info I get back from those state's DMVs don't provide all the info North Carolina's DMV provides. That is a major pain... Good luck to the original poster though, I hope this situation has a favorable ending for you...
This is all very interesting to me. I'd hate to be a cop in a place where you don't have all that info readily available. I have noticed that when I run info for out-of-state drivers some of the info I get back from those state's DMVs don't provide all the info North Carolina's DMV provides. That is a major pain... Good luck to the original poster though, I hope this situation has a favorable ending for you...
In any traffic collision, I am providing names, addresses, phone numbers, insurance companies names, policy numbers, contact information, vehicle information, etc to all drivers involved. That is standard proceedure for my department, and common sense for any officer in this state. However, we do not have the time nor the ability to contact the 1 800 numbers on the insurance card to find out directly from the operator if the insurance policy is current (what happens when I'm on a traffic stop at midnight; do you think someone is going to answer the phone?). As far as I am concerned, the driver told me that they have current insurance. If it turns out they don't, then 1) the other driver who is getting screwed needs to contact their insurance company to get it resolved, possibly taking the uninsured party to court, and 2) I should be notified so that I can go back to this uninsured driver and cite them (paper arrest) for a) no mandatory insurance and b) false statment to a police officer. Plain and simple.
#32
Originally Posted by KevinHeld
If you're this pissed off about this girl hitting you, why are you just giving up and letting her get away with "scamming you, the cop and the insurance company". If you don't feel like dealing with it, then talk to your insurance company and ask what happens if you submit a claim. I'd be willing to bet that they go after her themselves. Why would they pay when they can get her to? This is what our tort system is designed for.
#33
Originally Posted by WUKILLABEEZ
That sucks your state doesn't have everything in a database accesible for the police. Here in NC people hand me insurance cards all the time but I don't go by that information. I run the car's license plate or VIN number and get all the information that is on file with DMV (Division of Motor Vehicles). It takes 2 seconds for the info to come back and it comes directly from DMV's database. DMV's database is updated daily and anytime someone's insurance lapses that insurance company contacts DMV so it is updated in the system. It tells me all the registration info for the vehicle and all the insurance info such as provider and policy number. As long as it's legit I then fill out a driver exchange info form and give each party a copy of the other's info. If someone's insurance has lapsed, license revoked, registration expired, etc... I will cite them or even arrest them depending on their past history (I can access this as well) and the severity of the accident.
This is all very interesting to me. I'd hate to be a cop in a place where you don't have all that info readily available. I have noticed that when I run info for out-of-state drivers some of the info I get back from those state's DMVs don't provide all the info North Carolina's DMV provides. That is a major pain... Good luck to the original poster though, I hope this situation has a favorable ending for you...
This is all very interesting to me. I'd hate to be a cop in a place where you don't have all that info readily available. I have noticed that when I run info for out-of-state drivers some of the info I get back from those state's DMVs don't provide all the info North Carolina's DMV provides. That is a major pain... Good luck to the original poster though, I hope this situation has a favorable ending for you...
#34
well I do have unisured motorist and looks like I will have to file a claim with mu insurance. I just got an estimate from my favorite hot rod shop and it was for $1300 for the damage!! I just hate this zhit!! and yes the system potects the idiots!!!
Hey if anything this was a good way to find how how many of you'z guy'z are COPS You guys wouldn't pull me over in my G now would you???
Hey if anything this was a good way to find how how many of you'z guy'z are COPS You guys wouldn't pull me over in my G now would you???
#35
Originally Posted by HUMBOLDT_G
well I do have unisured motorist and looks like I will have to file a claim with mu insurance. I just got an estimate from my favorite hot rod shop and it was for $1300 for the damage!! I just hate this zhit!! and yes the system potects the idiots!!!
Hey if anything this was a good way to find how how many of you'z guy'z are COPS You guys wouldn't pull me over in my G now would you???
Hey if anything this was a good way to find how how many of you'z guy'z are COPS You guys wouldn't pull me over in my G now would you???
#38
Originally Posted by killerlexus
in mass the cops MAKE SURE you have INSURANCE & REGISTRATION. not only that they run you for WARRANTS too sometimes at an accident scene. thats why you ALWAYS want to call a cop to the scene to write a report.
unless its a lazy cop then he will just show up to hurry you along.
unless its a lazy cop then he will just show up to hurry you along.
#40
Originally Posted by darnelled
Many drivers who live in states with "mandatory insurance" pay the premium for 1 month to get the tags to go through, then cancel the policy. Your insurance carrier should be the party who pays to fix your ride then THEY take the idiot to court to recoup what they paid out.
#42
How about uninsured, non-licensed, non-English speaking DRUNK driver...
The first new car I ever bought was a 1990 Acura Integra... had it 3 months - sitting at a stop light behind one other car and BAM!!!! Rear-ended... then BAMMM!!!! Again!!!!
I literally thought someone was trying to take me out (as is end it for me)... the second collision pushed me into the vehicle in front of me and my car was crumpled like an accordion. Frame completely bent, body a mess...
Thank gawd there was a cop in the left turn lane that saw everything and before I could figure out what was happening he was on the driver (behind me)... Turns out the guy was completely phucking wasted and told the cop (in Spanish) his brakes didn't work... Cop got in the car, they worked fine... I think the f-ing idiot tried to hit the brakes after he rear-ended me the first time and was so phucked up he hit the gas and plowed into me harder a second time!
Unlicensed, uninsured and wasted... As the idiot sat cuffed in the back of the cop car it took everything in my power not to open the door or break the window and punch the bastard right in the face... I had to walk by him on my way to the gas station to buy a pack of smokes (after having quite for 3 months since I bought the car and didn’t want to smoke in it)...
Car was a total loss – bought a ’91 (didn’t have the same color combo so that sucked)… lost initial down payment and finance rate was higher because on the 2nd car I had to go 100% financing… consolation, a BS law called “victim, witness restitution fund”… I thought ‘oh good at least I’ll get my down payment back’… until I found out that even though it was/is a law, there was not ONE case where anyone had ever paid into the fund! Besides, I’m sure the “criminal” went to Mexico as soon as he was released.
So that’s my uninsured story… and BTW – my GF is full blooded Mexican and I have many Mexican friends (I’m in So Cal for cryin out loud)… so this isn’t about “damn Mexican’s”… it’s about damn non-English speaking, non-insured, drunken ****** phuckers crashing into US citizens!!!!
End Rant. (this topic struck a nerve, can you tell?)…
The first new car I ever bought was a 1990 Acura Integra... had it 3 months - sitting at a stop light behind one other car and BAM!!!! Rear-ended... then BAMMM!!!! Again!!!!
I literally thought someone was trying to take me out (as is end it for me)... the second collision pushed me into the vehicle in front of me and my car was crumpled like an accordion. Frame completely bent, body a mess...
Thank gawd there was a cop in the left turn lane that saw everything and before I could figure out what was happening he was on the driver (behind me)... Turns out the guy was completely phucking wasted and told the cop (in Spanish) his brakes didn't work... Cop got in the car, they worked fine... I think the f-ing idiot tried to hit the brakes after he rear-ended me the first time and was so phucked up he hit the gas and plowed into me harder a second time!
Unlicensed, uninsured and wasted... As the idiot sat cuffed in the back of the cop car it took everything in my power not to open the door or break the window and punch the bastard right in the face... I had to walk by him on my way to the gas station to buy a pack of smokes (after having quite for 3 months since I bought the car and didn’t want to smoke in it)...
Car was a total loss – bought a ’91 (didn’t have the same color combo so that sucked)… lost initial down payment and finance rate was higher because on the 2nd car I had to go 100% financing… consolation, a BS law called “victim, witness restitution fund”… I thought ‘oh good at least I’ll get my down payment back’… until I found out that even though it was/is a law, there was not ONE case where anyone had ever paid into the fund! Besides, I’m sure the “criminal” went to Mexico as soon as he was released.
So that’s my uninsured story… and BTW – my GF is full blooded Mexican and I have many Mexican friends (I’m in So Cal for cryin out loud)… so this isn’t about “damn Mexican’s”… it’s about damn non-English speaking, non-insured, drunken ****** phuckers crashing into US citizens!!!!
End Rant. (this topic struck a nerve, can you tell?)…
#43
#44
Originally Posted by ndndiablo88
go through your insurance company becuase if you've had a clean record they might not raise your rates at all. I wrecked my 02 Acura Tl-S and then got my G, but becuase we had a flawless record my insurance didnt go up at all. I have Allstate btw.
#45
yup i agree state farm rocks and based on personal experiences they treat you really well and dont cheap out when writing a check. If you dont have much time then just contact a lawyer at this time. Believe me neither AAA, that biach or your insurance company wants you to go to lawyer. Yes he will keep about 30-40% of whats recovered but thats still better then nothing at all.