posted
when i moved from CA to NE? my insurance went down...
when i moved to MS? my insurnce went up by 50%from CA rates, and about 70% from NE rates, here's why:
Mandatory auto insurance law failing, study shows
Associated Press
MOBILE -- A national study suggests Alabama's mandatory auto insurance law has had little effect on the number of uninsured driver on state roads since the Legislature enacted it in 1999.
The Insurance Research Council, a nonprofit study group funded by insurance providers, released the study showing 25 percent of Alabama drivers lacked insurance between 1999 and 2004.
That was unchanged from a 1998 state study of uninsured drivers, and tied California for the second-highest percentage of uninsured drivers in the 50 states. Mississippi ranked first, the Mobile Press-Register reported.
posted
Last time I was pulled over here in Alabama I was not asked for proof of insurance. Both of the two times I was pulled over in Pennsylvania I was asked for an insurance card. Seems an easy remedy.
IP: Logged |
posted
Alabama may have changed its laws, but in my 13 years there, auto insurance was not required. Hell, head and tail lights weren't required I don't think!
Here in Texas, before you can breathe close to a car or truck, you must show proof of both ownership and insurance. They even want to see them to get a driver's license.
I don't believe the law works the way it is claimed to, though. I can't see anything short of no-fault automobile insurance, paid for as you pay for the license plate as eliminating many of the problems.
IP: Logged |
quote:Originally posted by bdgee: Alabama may have changed its laws, but in my 13 years there, auto insurance was not required. Hell, head and tail lights weren't required I don't think!
Here in Texas, before you can breathe close to a car or truck, you must show proof of both ownership and insurance. They even want to see them to get a driver's license.
I don't believe the law works the way it is claimed to, though. I can't see anything short of no-fault automobile insurance, paid for as you pay for the license plate as eliminating many of the problems.
insurance is first in line, as I recall... can't get inspected without it, can't renew tags, etc
-------------------- Nashoba Holba Chepulechi Adventures in microcapitalism...
IP: Logged |
quote:Originally posted by bdgee: Alabama may have changed its laws, but in my 13 years there, auto insurance was not required. Hell, head and tail lights weren't required I don't think!
Here in Texas, before you can breathe close to a car or truck, you must show proof of both ownership and insurance. They even want to see them to get a driver's license.
I don't believe the law works the way it is claimed to, though. I can't see anything short of no-fault automobile insurance, paid for as you pay for the license plate as eliminating many of the problems.
You know.. I'm not sure if it is required, I've only lived here for a few months. I know Ms changed their laws about four years ago to require insurance. Haven't been pulled over in that state since they changed the law though.
IP: Logged |
quote:Originally posted by bdgee: Alabama may have changed its laws, but in my 13 years there, auto insurance was not required. Hell, head and tail lights weren't required I don't think!
Here in Texas, before you can breathe close to a car or truck, you must show proof of both ownership and insurance. They even want to see them to get a driver's license.
I don't believe the law works the way it is claimed to, though. I can't see anything short of no-fault automobile insurance, paid for as you pay for the license plate as eliminating many of the problems.
You know.. I'm not sure if it is required, I've only lived here for a few months. I know Ms changed their laws about four years ago to require insurance. Haven't been pulled over in that state since they changed the law though.
You've lived there for a few months and haven't been pulled over yet? That's some kind of a record, isn't it?
IP: Logged |
posted
I've never had a claim against my own auto insurance.
Twice, in Texas, I've been rear ended while stopped at traffic lights by people with State farm insurance and twice I got ripped off.
When I lived in Nashville, I was stopped waiting on a traffic light on a public street through a University campus. A large truck loaded with scrap metal and defective brakes rear ended me. When I tried to get restitution from the scrap metal business that owned the truck, I was laughed at by them. I talked to a lawyer and was told that, in order to collect on that companies insurance (or gain anything from the company) I would have to first win a suit in federal court against the scrap metal company, because "...that's the way Tennessee law is written". I don't know who the insurance company was, as the company refused to tell me, which apparently complied with Tennessee law. A couple of years later, when a woman hit my parked car in a parking lot I learned my previous experience with getting recompense from an offender or their auto insurance in Tennessee was the norm.
IP: Logged |
posted
We go too far the other way...several months ago, I was going to a job site about 5:30, 6 one morning. On Airport Fwy, three dudes were rat racing, so I moved over...they shot through, and the last one tried to jump in front of me, then saw no room...nearly came right through my front quarter-panel... I dodged him, but by then his pals had forced the cars in front of me to stop bam pow whack, 3-car collision, which I nearly avoided...naturally the guy I hit claimed I knocked him into the other two...lol, he had a big ol SUV that crunched the chit outta the BMW, which smacked the Lexus pretty good. All I had was sheet metal and plastic damage. But under Texas law, I had "rear-ended" them...
-------------------- Nashoba Holba Chepulechi Adventures in microcapitalism...
IP: Logged |
posted
Tex, are you sure those guys weren't working together to set you up? that sounds like a classic set up to me.
i've never had a claim filed against me either, but i've been a passenger in three total losses...
once? i was riding around the DC beltway in montgomery county MD. I was with one of the expert key makers in the repo biz. It was about 3 AM and we were in an older 4 dr caddy (with about a thousand pounds of locksmith suff in the trunk) when somebody hit us square in the rear doing at least a 120. the rear bumper was mashed right into the ground. the guy fell asleep
another time? i was riding with a friend in a Bronco 2 and he took a left turn and somebody was speeding from a blind spot (ornamental tree in the median) caught us in the right rear and spun us and we rolled...
i tore up a lot of cars on the dirt tracks...
-------------------- Don't envy the happiness of those who live in a fool's paradise.
IP: Logged |
UBBFriend: Email this page to someone!
Printer-friendly view of this topic
![[Roll Eyes]](rolleyes.gif)
