got rear ended a few hours ago !

Hopefully you got uninsured motorist coverage. I got a hitch ball through the bumper on my prelude-girl gave me her insurance information, the company said they never heard of her. State Farm paid my claim, then went after her to get it back-I loved hearing that! Good Luck with this mess.
 
Hopefully you called the cops back to report him. Let them jack his license all up. Hopefully they'll catch him driving on a suspended license next time.

Then after that what they said. Hope you got uninsured deadbeat coverage.
 
I just got off the phone w the cops. Its NOT a criminal matter when you drive without insurance. Its a civil matter and its up to my insurance to handle. When the hell did this start. I've always thought it was illegal to drive with out insurance. I do have full coverage so uninsured and under ins. Motorist is covered. I'm speechless.
 
It really sucks you got hit but glad you're ok. Well, physically anyway. Not sure how much the insurance laws have changed the last few years but I got T-Boned a few years back in my Super Cuope and the girl didn't have insurance, it was her boyfriends car with his dads license plates. None of them had insurance so my insurance footed the bill. They went after her and garnished her wages at $50 a week. After my insurance company got the first $250 in payments, they re-imbursed my $250 deductible to me. As far as I know, all she got cited for was illegally pulling out of the parking lot. None of them got cited for no insurance or the false plates. From what I understand, the judge felt sorry for them and they cut a deal that as long as the payment s were made to my insurance company, they wouldn't get cited for anything else. But, if she missed a payment, then she and her boyfriend would get cited for stuff and they would lose their plates and drivers lisences.
 
Sorry to hear you have to deal with suck bull!#!@@ that's ridiculous hopefully things work out in the end.
 
Thanks guys! This is BS. So I've always been told that in Ohio your required to have insurance. My ins company said the same thing but for some reason CPD. Said its not criminal ?! I'm gonna talk w the adjuster guy or gal whatever. Tomorrow before noon. And they're suppose to call me tonight about a rental. So it looks like I'm taking the day off tomorrow. So I can be home when dude comes to tell me what to do w the car.
 
In the state of Ohio, all drivers must carry liability insurance in the minimum amounts of $12,500 bodily injury per person, $25,000 bodily injury for two or more people, and 7,500 for property damage or they must opt for an alternative form of insurance to show financial responsibility (FR).

- In the state of Ohio, legal alternatives to auto liability insurance include a surety bond of $30,000 issued by any authorized surety company, a BMV bond secured by real estate equity of at least $60,000, or a BMV certificate for money or government bonds in the amount of $30,000 on deposit with the State Treasurer.

- When register your vehicle or apply for a license or permit in the state of Ohio, you will be required to sign a financial responsibility form stating that you won’t operate a motor vehicle without adequate coverage.

- The state of Ohio requires proof of financial responsibility for anyone who uses your vehicle. This means that you or anyone else that operates your vehicle must carry proof of financial responsibility coverage at all times.

- If you fail to provide proof of insurance coverage or you get caught driving without insurance, you will lose your license for 90 days if it is your first offense. On your second offense, you will lose your license for a year, and if you offend more than two times, you will lose your license plates and registration. In addition, you will have to pay reinstatement fees ranging from $75-$500 and you will be required to purchase a form of high-risk auto insurance called "special FR coverage" for anywhere from three to five years. Impoundment of your vehicle or your vehicle may be sold.


Basically what will happen, is your insurance company will pay out your claim. Then sue the driver to recover costs, this will land him in legal trouble and he will have to pay up and will lose his license for 90 days if the judge sees as fit. In addition to the damages, the insurance company will also sue for your deductible. The point of insurance is to protect you, so pat yourself on the back for carrying full coverage with uninsured motorists coverage. You will be restored back to your financial position before the wreck.
 
Andrizzle said:
In the state of Ohio, all drivers must carry liability insurance in the minimum amounts of $12,500 bodily injury per person, $25,000 bodily injury for two or more people, and 7,500 for property damage or they must opt for an alternative form of insurance to show financial responsibility (FR).

- In the state of Ohio, legal alternatives to auto liability insurance include a surety bond of $30,000 issued by any authorized surety company, a BMV bond secured by real estate equity of at least $60,000, or a BMV certificate for money or government bonds in the amount of $30,000 on deposit with the State Treasurer.

- When register your vehicle or apply for a license or permit in the state of Ohio, you will be required to sign a financial responsibility form stating that you won’t operate a motor vehicle without adequate coverage.

- The state of Ohio requires proof of financial responsibility for anyone who uses your vehicle. This means that you or anyone else that operates your vehicle must carry proof of financial responsibility coverage at all times.

- If you fail to provide proof of insurance coverage or you get caught driving without insurance, you will lose your license for 90 days if it is your first offense. On your second offense, you will lose your license for a year, and if you offend more than two times, you will lose your license plates and registration. In addition, you will have to pay reinstatement fees ranging from $75-$500 and you will be required to purchase a form of high-risk auto insurance called "special FR coverage" for anywhere from three to five years. Impoundment of your vehicle or your vehicle may be sold.


Basically what will happen, is your insurance company will pay out your claim. Then sue the driver to recover costs, this will land him in legal trouble and he will have to pay up and will lose his license for 90 days if the judge sees as fit. In addition to the damages, the insurance company will also sue for your deductible. The point of insurance is to protect you, so pat yourself on the back for carrying full coverage with uninsured motorists coverage. You will be restored back to your financial position before the wreck.
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Things are more strict down here in Florida. If they can prove you were knowingly driving without insurance or misrepresenting insurance, it is a felony. That means they come arrest you, suspend your license, seize your tags, and wait for your arraignment. It is pretty rare it ever goes that far though. The state will gladly suspend your license and require financial responsibility or high-risk insurance though. That's usually a given :)
 
ShortCircutLS said:
I just got off the phone w the cops. Its NOT a criminal matter when you drive without insurance. Its a civil matter and its up to my insurance to handle. When the hell did this start. I've always thought it was illegal to drive with out insurance. I do have full coverage so uninsured and under ins. Motorist is covered. I'm speechless.
Click to expand...

I had the same problem with a guy that hit my ford fusion. My Insurance covered it and even waved the deducible because they found him at fault and didn't think it was fair for me to pay. In California you're supposed to be arrested if you're in an accident without insurance, but they completely dropped the charges of no insurance but he pleaded no contest to reckless driving.
 
Andrizzle said:
In the state of Ohio, all drivers must carry liability insurance in the minimum amounts of $12,500 bodily injury per person, $25,000 bodily injury for two or more people, and 7,500 for property damage or they must opt for an alternative form of insurance to show financial responsibility (FR).

- In the state of Ohio, legal alternatives to auto liability insurance include a surety bond of $30,000 issued by any authorized surety company, a BMV bond secured by real estate equity of at least $60,000, or a BMV certificate for money or government bonds in the amount of $30,000 on deposit with the State Treasurer.

- When register your vehicle or apply for a license or permit in the state of Ohio, you will be required to sign a financial responsibility form stating that you won’t operate a motor vehicle without adequate coverage.

- The state of Ohio requires proof of financial responsibility for anyone who uses your vehicle. This means that you or anyone else that operates your vehicle must carry proof of financial responsibility coverage at all times.

- If you fail to provide proof of insurance coverage or you get caught driving without insurance, you will lose your license for 90 days if it is your first offense. On your second offense, you will lose your license for a year, and if you offend more than two times, you will lose your license plates and registration. In addition, you will have to pay reinstatement fees ranging from $75-$500 and you will be required to purchase a form of high-risk auto insurance called "special FR coverage" for anywhere from three to five years. Impoundment of your vehicle or your vehicle may be sold.


Basically what will happen, is your insurance company will pay out your claim. Then sue the driver to recover costs, this will land him in legal trouble and he will have to pay up and will lose his license for 90 days if the judge sees as fit. In addition to the damages, the insurance company will also sue for your deductible. The point of insurance is to protect you, so pat yourself on the back for carrying full coverage with uninsured motorists coverage. You will be restored back to your financial position before the wreck.
Click to expand...
Wow ! Thanks Andrizzle , that's very informative. I really appreciate it ! yep I know how people drive around here considering I put anywhere from 15k to 20k a year.
Kumba said:
Things are more strict down here in Florida. If they can prove you were knowingly driving without insurance or misrepresenting insurance, it is a felony. That means they come arrest you, suspend your license, seize your tags, and wait for your arraignment. It is pretty rare it ever goes that far though. The state will gladly suspend your license and require financial responsibility or high-risk insurance though. That's usually a given :)
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I wish Ohio would take this up. Thered be a noticeable difference in tards out driving around. If you can't afford it than get safe auto or don't friggin drive. I don't like paying 80$ a month for full coverage but guess what I do it anyway. For crap like this ! Lol. I hope they fix it. Without having to mess w the uni body. Ill post what I find out tomorrow. Thanks guys. It helps to talk about it with those who understand exactly what an emotional tornado this has been !
 
theyre gonna fix her !!!

Talked to the body shop. My baby is getting repaired. I'm so happy that its not totaled. They estimated the cost at $7,0000. And 11 days
The count so far is 19. Chiropractor, physical therapy, and body shops have called me since 8:00 AM VULTURES !!
 
Then the lawyers will start calling saying you could sue also.. Anyway for them to make a quick buck..

That's good that hey are going to fix it though..
 
That's great news, Short! I really was expecting the repair bill to be higher. I've mentioned this in an older thread, but when my '06 was broken into and NAV unit stolen, the repair bill was $7400. It's amazing (and scary) how fast things add up on repair of this car. :eek:
 
Sorry to hear all this ShortCircutLS,

I live in Middletown (about 70 miles south of Columbus) and have been hit twice by un-insured drivers.

The first time my wife and I were t-boned in our leased 2006 Zephyr by a girl in a Cavalier who ran a stop sign. I had smashed my neck into the roof and went to the hopsital before I found out she was un-insured. About 4,000 in body damage and chiropractor visits for me were covered by our insurance. However, no rental from our insurance company and we never saw the $500.00 deductible that they claimed we would get back once they started recouping money from her.

Similar situation in our 2008 MKX, but this was an old man in a Continental who had an insurance card and since it was night time I called the next day to find out he hadn't paid in months and had no policy with them anymore. Same old song from my insurance company, no rental and $500.00 deductible ever recouped.

Both times including rental and deductible it was about $1000.00 out of our pockets simply because of all the deadbeats that don't pay for coverage. As far as I know the police did not pursue anything with either of them. I was always under the impression that they lost their license and the car was impounded on the spot. I guess it just epends on ho the cop is feeling that day...
 
I fukcing hate these people that pretend the rain has no effect on them when they're driving. Damn idiots need to learn when to slow down.
 
Damn, sorry to see that man :(

Alax7 said:
You dont realize how much you really love your ls until you are forced to drive a rental because your ls is in the shop.
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Well, I did get a Bimmer Z3 as a free rental for the week my LS was in the shop. Fun little ride :)
 
I find this funny that lazy cops will not do their job. Whenever I get to an accident scene and find out that someone does not have insurance, I have the vehicle impounded. No excuses are accepted for this bs. The vehicle is not released to anyone if it is not insured. I then contact the BMV and advise them that they have not had insurance while in an accident. Yes Andrizzle is right on everything he said but they also have reinstatement fees and all that other kind of stuff to pay before they can have their license back. I am assuming that the person that hit you got cited for assured clear distance ahead or unsafe operation depending if the vehicle was deemed safe prior to the accident. The person that hit you has to appear in court because they did not have any proof of insurance on their person at the time of the accident. If that person lied to the police about having insurance it can be pursued as obstruction of official business. I would find out when and where the court date is. Attend his hearing and advise the prosecutor about what your findings are. The prosecutor will discuss the findings in court and they can be used against him for sentencing.
 
Krakabeast said:
I fukcing hate these people that pretend the rain has no effect on them when they're driving. Damn idiots need to learn when to slow down.
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Couldn't have said it better myself !

rwurst918 said:
I find this funny that lazy cops will not do their job. Whenever I get to an accident scene and find out that someone does not have insurance, I have the vehicle impounded. No excuses are accepted for this bs. The vehicle is not released to anyone if it is not insured. I then contact the BMV and advise them that they have not had insurance while in an accident. Yes Andrizzle is right on everything he said but they also have reinstatement fees and all that other kind of stuff to pay before they can have their license back. I am assuming that the person that hit you got cited for assured clear distance ahead or unsafe operation depending if the vehicle was deemed safe prior to the accident. The person that hit you has to appear in court because they did not have any proof of insurance on their person at the time of the accident. If that person lied to the police about having insurance it can be pursued as obstruction of official business. I would find out when and where the court date is. Attend his hearing and advise the prosecutor about what your findings are. The prosecutor will discuss the findings in court and they can be used against him for sentencing.
Click to expand...
I wish more officers would take their job seriously when its imperative. He said he had insurance but it lapsed April 3rd !?!
 
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