Posted by RN on March 23, 2016 at 10:57:13 from (205.213.104.118):
In Reply to: Speaking of rip offs posted by jayinny on March 22, 2016 at 22:50:59:
state insurance laws vary- anybody drive in a 'no fault' state? Wisconsin has a SR22 insurance for 'high risk' drivers and some others due to occupation where the vehicles may not have insurance. The SR22 has a option of 'owned and unowned' vehicles liability, I know a lady who does valet parking at the local casino, she has that kind of insurance and jot the job because of it, didn't have to wait a month doing half pay kitchen washing. Another guy does some salvage of cars work and some recovery and repairs- some, maybe a lot of the cars to be repaired aren't insured by owners so when he does test drives he need to be able to show insurance after brakes fail and he hits the stop signs- That is where his SR22 -originally for his not covered damage to city property , get SR22 or lose you drivers license so paid the premium- came in real handy. Lots of cars running around state- estimate is 14% are NOT insured by owner and Milwaukee with its EPA inspections gets worse figures for uninsured, no proof of insurance as recently passed in law. 'Financial Responsibility' law is still the basis, the 'proof of insurance' was a add to, implies as pre accident intent to be financially responsible- and avoid $500.00 ticket. 'Owner responsibility' for insurance instead of driver was administrative easier deal, also case law. 'Owner' of car or livestock in fence law state is liable for damages- driver of 'borrowed with permission of owner' may be held liable for some damages, get the fines for actual driving-- but sometimes easier to track 'owner of record'. And in no fault states the owner of vehicle is responsible for fixing his own damage up to a certain amount- %5000.00 is one I was told about, lawyers hate that, can't get quick settlements and 25 to 40% of settlements from the other parties insurance. I have a good record and couple motorcycles, van and car-- but since I don't have a drunk driving charge that would require me to have the SR22, can't get it easy so I can drop the vehicle insurance, just show SR22 like the Valet parker and scrap, salvage and unlicensed car dealer skipping titles dealer has. Insurance outfits in no fault states can make money--but the lawyers can't get easy money trying to file frivolous suits for damages. S. California, Los Angeles area estimates of lack of insurance is around double national, 2012 figures was 29% and was partially from court records, ticket issues and part from insurance payouts for uninsured motorists. Bunch of uninsured and unlicensed drivers- about 1/2 were citizens of US, not just the 'illegals' in S. California. Some other cities like Milwaukee have similar problem populace for various reasons. Wonder what the Amish have to put up with? RN
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