Underinsured is not required in SC however by not getting that coverage you are screwed if someone damages you. I get it but you're not really insuring them, you are protecting yourself by carrying something like 250/500 for uninsured and underinsured.
Understanding the policy is key. However, the terms change every year. Often not in the policy holders favor.
OK, I stand corrected but you still need uninsured.
No one goes to jail it seems. Especially in the the last 6 years. I have no idea why either.............
Given what you've told us, that's all he would get at the scene; true. What did you want? For the police to hold him down while you mercilessly beat him in a punitive manner to feel satisfaction?
I cannot say with 100% certainty about the laws in PA, but I suspect they are similar to most other states.
well, you and i probably live in an OK part of town, ill bet they are including the not so good sides of town.....and rightfully so. I also drive carefully hahaha......but i can drive though, where many of the mentioned folks cannot, as witness to the supreme condition of their whips.
I am not seeing a problem here.
I like the way you think!
The problem with this is it put the lawbreaking problem back on the individual and the civil courts, for what should be a misdemeanor crime. The simplest solution would be to use the database of uninsured cars (the insurance companies are required to report cancellations) and have them impounded / towed and an additional civil penalty assessed before the impound lot can release. If even a small number were found, word would get around. Every cruiser here has the ability to auto read plates already, and LEO's patrol these neighborhoods anyway so they could have an easily accessible list - technology wins again!
Great ideas, but here in Vegas, the unlicensed and uninsured drive unregistered cars with a fake paper tag on the windshield. Code readers are incapable of triggering on these cars since there is no license plate. It takes a manual stop by Metro to verify the tag, and with their current workload and the number of unregistered cars that isn't feasible.
I think it's more shocking that many are just figuring this out because good people have spent their entire lives being good and were almost never confronted with a bad situation because they were always ... good. Unfortunately, following the rules doesn't seem to pay off, while braking them will one hundred percent land you in trouble.
100% disagree
If you let your insurance expire you are supposed to surrender your tag - before it expires in fact. Civil penalty if you do not. Here at least.
But but but due process
In CA if your car is parked on a public road it requires current tags. Dunno if they can check insurance.
Driving w/o insurance and/or a valid DL should make cars go bye bye too. While the offender does time in jail for driving w/o insurance his/her car gets auctioned or junked as part of the penalty, the revenue generated goes to the state. If there's a note on the car the owner is still on the hook for the loan. No exceptions for first time offenders....
It's a complicated problem. Your solution would help some things and hurt others. Beyond that, I am no angel; I've driven many thousands of miles illegally one way or another.
My solution will help more than hurt. Something has to be done, it's getting out of hand. In order to finance a car you have to have full coverage, the second that coverage is removed prior to the loan being paid off the bank is notified. Then at that point the bank should immediately trigger a repo and get it off the road, no if ands or buts. With cars that are paid off, what I wrote regarding that should hold true. I'm sick of paying for other people's problems.
