<VV> Un-Insured Insurance

[chaz at properproper.com]

Not sure what it is in your state, but "Uninsured motorist" in
California means that you are covered (for whatever your policy states,
varying your premium, too) if and un-insured driver hits YOU.

I'm not familiar with any "insirance" that lets YOU be un-insured
(whatever that would mean ?)

In California, the odds are 3 to 1 (not too much kidding) that if you
get hit, the other guy (or gal) will not have insurance (if they even
have a license !)

Charlie

> -------- Original Message --------
> Subject: Re: <VV> Insurance
> From: Tony Underwood <tony.underwood at cox.net>
> Date: Mon, April 18, 2011 8:37 pm
> To: virtualvairs at corvair.org
> 
> 
> At 01:13 AM 4/18/2011, sethracer at aol.com wrote:
> 
> 
> >Are you saying most people do not buy collision coverage on vehicles
> >orth $500 or less,  or that collision insurance is required in your
> >tate if the vehicle is valued over $500?
> >Here in VA only liability insurance is required, even if the vehicle was
> >orth millions. Or you could purchase uninsured motorist plates, but
> >nly people with horrible driving records would find uninsured plates
> >heaper than actually buying insurance....
> >Frank DuVal
> >In California, the State requires liability only - in stupidly low 
> >amounts - The legal owner of the car (If it is a bank, etc.)
> >will require the registered owner - probably you, to buy Collision 
> >insurance to protect their investment. We don't have anything like
> >uninsured motorist plates. If there were such a thing, plenty of 
> >cars would be wearing them here!  - Seth
> 
> 
> 
> Nothing different about the actual plates.  It's the fact that the 
> commonwealth "guarantees" them (which is odd since the commonwealth 
> only guarantees that you paid that fee) instead of an insurance 
> company by allowing you to drive without liability insurance.
> 
> 
> 
> ...you never know who's insured and who's wearing "state covered" 
> plates.   For that matter:   There have been LOTS of instances where 
> people simply lie about the insurance and check that little box when 
> they indeed have diddly.   They think they can get away with it.
> 
> 
> Sometimes they do.   But when they do not:   ;)
> 
> 
> The irony is that those who would lie about it are usually the ones 
> irresponsible enough to go out and screw up in the first place, which 
> is how they ended up NOT having insurance in the first place because 
> of a horrible record.   The 2nd bit of irony is when they get 
> caught... and it happens often...  all it takes is for one of those 
> roadside checks where you get checked for drivers license, 
> registration, and proof of insurance... fill out the cute little 
> form... to land you in trouble with the DMV who WILL be sending you 
> that registered letter with the wonderful news that the 
> commonwealth's treasury is going to be accepting yet another donation 
> from you.
> 
> If you get caught, you're in for not only trouble but you get 
> blighted with that SR22 thingy AND its filing expenses AND a 
> reinstatement fee AND you end up paying that uninsured motorist fee 
> anyway.   I know three different nitwits who had this happen to 
> them.   Frankly I'm surprised the commonwealth hasn't made it policy 
> for drivers to show proof of insurance before they'll give you tags.
> 
> 
> 
> tony..
> 
> 
> 
> 
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