Is it smart to drive without insurance?

  • Thread starter Thread starter Guns Guns Guns
  • Start date Start date

Is it smart to drive without insurance?

  • Yes, because it's unconstitutional to require it

    Votes: 1 33.3%

  • Yes, because if you drive carefully you don't need it

    Votes: 0 0.0%

  • No, because it's illegal

    Votes: 0 0.0%

  • No, because it can be financially devastating if you crash

    Votes: 2 66.7%
  • Total voters
    3
G

Guns Guns Guns

Guest
Some people drive without a license or insurance because they feel that laws requiring licenses and insurance are unconstitutional.


They think if they drive carefully they will never be in a crash, and won't suffer any injuries themselves, or be liable for any damage or injuries suffered by other parties.


An uninsured motorist is defined as someone who drives without any insurance coverage or has insurance that does not meet the minimum liability requirements. The Insurance Research Council in the United States reported that the number of uninsured motorists could be as high as 25% in some states.


When you are involved in an accident with an uninsured motorist, he will either have to compensate you for any injuries or damages out of his own pocket, or in some instances, not pay you at all. If that happens, you will have to resort to a lawsuit, which is both time consuming and costly. If the person cannot pay you, it is most likely that you will not be able to get your compensation through the courts either.


However you can protect yourself or your car passengers by purchasing uninsured motorist insurance. This coverage will reimburse you even if the other party who caused the accident is uninsured.


Uninsured motorist law differs from state to state, however most states require that vehicle owners have uninsured motorist insurance which protects them against injuries in accidents caused by uninsured motorists. The victims will be compensated an amount comparable to what they would have received in the case of an insured motorist.


Under the uninsured motorist insurance policy, you can usually claim compensation for bodily injuries, sickness or death, which result from the accident with an uninsured motorist. These also include medical costs as well as other damages such as loss of income, emotional trauma and other losses that are covered in your insurance policy.


Damages to your vehicle in an accident with an uninsured motorist may be excluded in some uninsured motorist insurance policies. In that case, you can either fall back on the collision coverage in your car insurance policy, or purchase an uninsured motorist property damage policy.




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http://www.uninsuredmotorists.net/
 
NC requires liability insurance on cars, and that protects the other drivers and property owners. I think it's a good mandate. If you can't afford it, you probably can't afford a car that is properly maintained to be safe to drive anyway.

I currently own five vehicles, three are paid off loans or purchased with cash, and of those, two are driven by my kids. I don't have collision insurance on those three cars, because I told my kids that if they cause a wreck, their car is broken and that's that. The third is a classic and although currently not registered, when I complete the restoration I'll be driving it, and the chances of me causing a wreck in it are slim to none.

The two cars that have loans are fully insured, but I have $1000 deductibles on each. It makes no sense to have low deductibles, because the rates are a lot higher and if you make a claim your rates are likely to go up further, therefore any money you saved on the low deduct will disappear.
 
DamnYankee said:
NC requires liability insurance on cars, and that protects the other drivers and property owners. I think it's a good mandate. If you can't afford it, you probably can't afford a car that is properly maintained to be safe to drive anyway. I currently own five vehicles, three are paid off loans or purchased with cash, and of those, two are driven by my kids. I don't have collision insurance on those three cars, because I told my kids that if they cause a wreck, their car is broken and that's that. The third is a classic and although currently not registered, when I complete the restoration I'll be driving it, and the chances of me causing a wreck in it are slim to none. The two cars that have loans are fully insured, but I have $1000 deductibles on each. It makes no sense to have low deductibles, because the rates are a lot higher and if you make a claim your rates are likely to go up further, therefore any money you saved on the low deduct will disappear.
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Would you say that a person who drives, but refuses to obtain a license or insurance is smarter than you?

I do wonder how they manage to tag their truck, though.
 
That's like saying that you are smarter then me because you get EIC from the government that I essentially paid for.
 
DamnYankee said:
That's like saying that you are smarter then me because you get EIC from the government that I essentially paid for.
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I never said that I drive without a license or insurance, and I never said I get an earned income credit. Do you enjoy making shit up?
 
DamnYankee said:
It's bad enough that I have to pay for it, but don't expect me to fill out the forms for you.
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So you made shit up, and don't know whether I ever got an earned income credit or not, and have no fucking clue whether I even have a car, much less a license and insurance.

BTW, your pal SmarterThanFew says state requirements to license drivers and mandate insurance are unconstitutional.

Don't you agree with him?
 
DamnYankee said:
You get EIC, you live in your mom's basement, and you probably drive a beat-up old Honda.
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Cite.

We both know you can't, liar.

BTW, ask TopDoper for some tax tips. He says he only pays 11.5% (or 12, depending on which day he makes the claim) of his income on taxes.
 
DamnYankee said:
I know how TopDoper pays so little: he earns less. You earn less then Doper so pay nothing and get EIC.
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I don't know what TopDoper earns, only what he claims to earn, and that seems to fluctuate.

Explain how much I earn, and explain how you obtained that information.
 
You earn min wage or slightly more, that is, when you do work. The source? Anyone so stupid and so afraid to take a position on anything isn't worth more than minimum wage. Employers aren't that dumb, unless you work for the government, but they at least require you to show up. And anyone who spends most of the day posting here doesn't have time for work.
 
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