It seems to me thta if a person is irresponsible enough to drive without liability insurance, and they all know that it is illegal to do so, why would a “red flag” system be any different?
I often see people involved in accidents
who have had their license suspended or revoked, and there are many other situations where they cause accidents due to reckless driving.
In NY, if your auto policy cancels for any reason, you receive a notice from the
Dept of Motor Vehicles requesting replacement insurance info. Failure to
respond can cause your license to be suspended. These people don’t respond, they don’t care, they will drive anyway.
The only solution is incarceration to keep them of the road. They violate the rights of responsible people, and need to be held accountable.
It is very sad that a few people who don’t care to follow laws cause the majority of law abiding citizens the greif of harder laws to follow.
In California it also doesn’t help when there are so many personal auto brokers advertising on TV that they have the lowest downpayment. You know the people that are look for the loswest down payment are usually just looking to get an auto ID card so they can register their auto at the dmv. They have no intention, in most cases, to ever pay their premium bills. the policy cancels and now they are an uninsured driver again. When they need to renew their registration, they go get another policy bound, pay the deposit, etc. They cycle never ends.
If any one has a real solution to the problem. I would love to know.
Stiffer penalties are the key, in my opinion. Careless drivers should pay more for their carelessness..in the end if the insurance costs are too high for these drivers, they either park the car, or choose to drive the car. Most drive because the criminal penalties of operating without insurance are not daunting enough to cause them to think about the consequences.
More financial penalties are OK, but in the end, many uninsured motorists are financially strapped, so those penalties don’t work well as they have little to lose.
Eliminating bankruptcy from the equation for uninsured motorists might have some impact as well (I am sure some states might even allow it)….if a person cannot bankrupt themself away from the debt, they might think twice about driving.
Criminal penalties are the key – if a person faces significant jail time for failing to have auto insurance it might make an impact (no pun intended).
Forget the laws, the person who does not have insurance either wants it and can’t afford it or is just negligent and in most cases does not even have a valid license. Make UIM coverage part of every auto policy. Of course restrict claims that can be made by unisured cars and their occupants.
I agree with the comments posted by Pat on July 27. I was recently hit by an uninsured motorist, and was unable to recieve any compensation for damages due to a lack of uninsured coverage on my policy. Make uninsured coverage available on ALL policies (for the protection of those that DO pay premiums), and limit, or make unavailable, the ability of uninsureds to make claims at all.
I thoroughly agree with Scott. I believe the criminal penalties should be enforced for uninsured motorists. I live in a state with a high percentage of these drivers, and I pay for it everyday with higher premiums (which include my UIM coverage!), realizing that if I am involved in an accident with one of these drivers, my insurance company must still pay out on my behalf to fix the vehicle!!!! And the person who has decided not to pay an insurance premium has basically gotten away without penalty.
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It seems to me thta if a person is irresponsible enough to drive without liability insurance, and they all know that it is illegal to do so, why would a “red flag” system be any different?
I often see people involved in accidents
who have had their license suspended or revoked, and there are many other situations where they cause accidents due to reckless driving.
In NY, if your auto policy cancels for any reason, you receive a notice from the
Dept of Motor Vehicles requesting replacement insurance info. Failure to
respond can cause your license to be suspended. These people don’t respond, they don’t care, they will drive anyway.
The only solution is incarceration to keep them of the road. They violate the rights of responsible people, and need to be held accountable.
It is very sad that a few people who don’t care to follow laws cause the majority of law abiding citizens the greif of harder laws to follow.
In California it also doesn’t help when there are so many personal auto brokers advertising on TV that they have the lowest downpayment. You know the people that are look for the loswest down payment are usually just looking to get an auto ID card so they can register their auto at the dmv. They have no intention, in most cases, to ever pay their premium bills. the policy cancels and now they are an uninsured driver again. When they need to renew their registration, they go get another policy bound, pay the deposit, etc. They cycle never ends.
If any one has a real solution to the problem. I would love to know.
Stiffer penalties are the key, in my opinion. Careless drivers should pay more for their carelessness..in the end if the insurance costs are too high for these drivers, they either park the car, or choose to drive the car. Most drive because the criminal penalties of operating without insurance are not daunting enough to cause them to think about the consequences.
More financial penalties are OK, but in the end, many uninsured motorists are financially strapped, so those penalties don’t work well as they have little to lose.
Eliminating bankruptcy from the equation for uninsured motorists might have some impact as well (I am sure some states might even allow it)….if a person cannot bankrupt themself away from the debt, they might think twice about driving.
Criminal penalties are the key – if a person faces significant jail time for failing to have auto insurance it might make an impact (no pun intended).
Forget the laws, the person who does not have insurance either wants it and can’t afford it or is just negligent and in most cases does not even have a valid license. Make UIM coverage part of every auto policy. Of course restrict claims that can be made by unisured cars and their occupants.
I agree with the comments posted by Pat on July 27. I was recently hit by an uninsured motorist, and was unable to recieve any compensation for damages due to a lack of uninsured coverage on my policy. Make uninsured coverage available on ALL policies (for the protection of those that DO pay premiums), and limit, or make unavailable, the ability of uninsureds to make claims at all.
I thoroughly agree with Scott. I believe the criminal penalties should be enforced for uninsured motorists. I live in a state with a high percentage of these drivers, and I pay for it everyday with higher premiums (which include my UIM coverage!), realizing that if I am involved in an accident with one of these drivers, my insurance company must still pay out on my behalf to fix the vehicle!!!! And the person who has decided not to pay an insurance premium has basically gotten away without penalty.
Mandatory Liability is a Scam and a Violation of our Right of Innocent until proven guilty.
Liability is Guilt. Mandatory Liability forces the Innocent to pay for damages they did not cause.
You said: “irresponsible enough to drive without liability insurance,”
RESPONSIBLE people are GUILTY people. Innocent people are NOT Responsible.
Mandatory Liability is a Scam and a Violation of our Right of Innocent until proven guilty.
Liability is Guilt. Mandatory Liability forces the Innocent to pay for damages they did not cause.
You said: “irresponsible enough to drive without liability insurance,”
RESPONSIBLE people are GUILTY people. Innocent people are NOT Responsible.
It is a shame to use Laws to force Innocent people to pay for damages they did not cause.
If you are Innocent of causing any damages to any others, where do you believe your preimum payments go? They go to pay for damages you did not cause.
It is a shame to use Laws to force Innocent people to pay for damages they did not cause.
If you are Innocent of causing any damages to any others, where do you believe your preimum payments go? They go to pay for damages you did not cause.