My poor truck

[bullwinkle]

Why not? Is it your right to break the law? You’re required to have insurance in every state. What penalty is appropriate then?

It wasn’t a law in Ohio until the ‘90s, roughly. I can think of an appropriate penalty, but perp’s kids got to eat (deduct it from welfare). I know, RSP…

 

[atikovi]

I can't replace it for that.

If that's a 4x4 LTZ 1500, NADA says $38-40,000. Hard to believe you can't find a similar 6 year old truck for that price.

 

[bullwinkle]

Getting into an at-fault accident in Ohio uninsured will likely yield a two year suspension with the at-fault uninsured driver also being liable for all damages. Sure, uninsured motorist coverage will make you whole but you also sign subrogation which then allows your insurer to go after the offending driver to recover these damages.
Driving an untitled vehicle while carrying the title for another opens another can of worms and may bring to light a case of RSP, which can be prosecuted as either an F4 or F5 in Ohio. The average urban county probably wouldn't pursue this while out in the sticks a felony indictment is far more likely if the vehicle the offender was driving is not actually theirs to use.
Also, the rightful owner of the offending vehicle might just report it stolen to get clear of any ensuing drama, in which case the RSP charge will stick tightly.

I think the 2 year suspension is IF the damage is paid for-which it won’t be. The suspended DL then has to be reinstated by the OH BMV, and any extenuating circumstances means they won’t reinstate it (IIRC).

 

[bullwinkle]

If that's a 4x4 LTZ 1500, NADA says $38-40,000. Hard to believe you can't find a similar 6 year old truck for that price.

8 lug wheels means 2500/3500, and 47,000 miles? No, he won’t…

 

[Trav]

Someone pulled out in front of me, no insurance no registration wrong title...truck was paid for with 2017 with 47,000 miles. Picked up in 19 for 36500 with 27,000 miles. I can't replace it for that. 100 miles from, trailer was at the campsite. Son brought his 03 Duramax to tow me home Monday. I'm bummed However everyone is ok.View attachment 176362

Does the frame look damaged?

 

[joekingcorvette]

It looks to me as if it can be rebuilt. I cannot believe there are not more consequences for driving without insurance. I hope all goes well for you OP.

 

[64bawagon]

They do here in OH-lack of insurance=automatic license suspension, until the uninsured pays for the damage they caused. If they were "financially responsible" they wouldn't be driving with no insurance, no registration, wrong title. Wouldn't surprise me to hear it was "stolen" (i.e. actual owner doesn't want to pay for damage another driver caused), or license already suspended. THIS is the reason there are no new cars in my sig (other than company's Transit)!

One of the many reasons I stay out of Flint

 

[nomas]

I think the 2 year suspension is IF the damage is paid for-which it won’t be. The suspended DL then has to be reinstated by the OH BMV, and any extenuating circumstances means they won’t reinstate it (IIRC).

Something tells me that driver won't get too upset about a suspended license .

 

[PimTac]

Sorry to hear about this. I hope it can be fixed. As Trav mentioned, check the frame.

There are hardly any consequences anymore for those breaking the law around here.

 

[atikovi]

8 lug wheels means 2500/3500, and 47,000 miles? No, he won’t…

OK, here's a 2 years newer with same miles I could get for $48K,

 

[ls1mike]

If that's a 4x4 LTZ 1500, NADA says $38-40,000. Hard to believe you can't find a similar 6 year old truck for that price.

Not with 47 000 miles out here in Washington.

 

[Cujet]

OP, I wish you well in your quest to be made whole and hope it is as painless as possible. Clearly you are very sharp and don't need to be told this, even so, a reminder is in order when stuff like this happens. Insurance companies are masters at minimizing their expenses, while maximizing their income. Most of us don't deal with insurance claims on a regular basis and are generally unaware on how we get shortchanged.

From imported, substandard chrome bumpers not even strong enough to stand on, to gallons of body filler or re-skined doors that corrode within a year, or the failure to cover the taxes, registration and title costs of a replacement vehicle. Insurance companies have untold clever methods of managing the situation. Don't let them get away with it, I suggest a lawyer, as you may never be made whole otherwise.

I recently hit a curb in the median with a rental Jeep Grand Cherokee on a biz trip. Hertz charged me $22K for the damages. Damaged tire, wheel, ball joint. My insurance did not cover the entirety and there was nothing I could do to get them to pay. Their policy does not cover "administrative costs" or "loss of use" charges. I should have lawyered-up immediately. My company also refused to pay, so Hertz holds me responsible and placed this on my credit. I'm not paying.

 

[RhondaHonda]

Man that stinks! No airbags deployed? I think it’s repairable just looking at the one pic. Front end sheet metal, some frame time, cooling/Ac, lamps, right side doors, a bedside and a running board.

 

[mattd]

That really sucks, but glad everyone is ok.

 

[Aredeeem]

Man, that hurts. My modest 2 car fleet is designed to get me to my finish line but getting hit by some rope-a-dope would really mess that up. I know, I know, nobody got hurt but that still stinks.

 

[Astro14]

So what happens with the other driver, does he get a ticket? Does his license get taken away?

Doubt he had a license…

 

[wwillson]

Why not? Is it your right to break the law? You’re required to have insurance in every state. What penalty is appropriate then?

The only two states that don’t require car insurance are New Hampshire and Virginia. Drivers in Virginia can pay the state $500 a year in lieu of car insurance, but that cost does not provide coverage in the event of an accident. While car insurance is not mandatory in either state, residents are still liable for bodily injury or property damage they cause.

 

[jeepman3071]

Doubt he had a license…

+1

I worked as a claims adjuster right after college in 2013-2015. It was mind blowing to me the number of people driving around with no insurance, and no license or a suspended license.

 

[ls1mike]

Does the frame look damaged?

Does not look like it. Doors are straight and open fine.

 

[ls1mike]

Doubt he had a license…

No license