Caught driving without auto insurance...
 

My girlfriend was pulled over by the cops today and was caught driving without auto insurance. She is a new driver with perfect record and the best rates she could get were over $400 per month for a used 1999 Ford Taurus and there was a few months she could not afford it so they canceled her policy due to non-payment.

She had no idea how serious it was to drive without insurance but knew she was taking a chance every time she would drive.

It turns out that its a $5,000 - $25,000 fine with possible jail time. She was given 72hrs notice to prove she has auto insurance.

Does anybody have any good advice?

she should have blown the cop to get out of it :2 cents:

I knew I would get replies like this...

i would have to agree with you there...

Damn, wouldn't want to be in her shoes right now

You're pretty much fucked...chalk it up as experience and don't do it again

shes gotta have the old insurance cards...all she has to do is go down to the Popo station and show it to them, even if its cancelled they just make a copy then check a box on a computer, trust me...i used to do work @ the registrars office...

That's an awfully big fine. Where does she live?

the card just has to be recent...

ok if not a bj at least a hand job with ball massaging maybe would have helped.

She has the old card but the policy is expired.

Shouldnt be driving with no insurance, period.

That fuckstick that ran over me while I was on my bike didnt have insurance either. So everything that my medical insurance didnt cover I had to pay out of my pocket, plus my lost income (easily over $50k) that I'll never get reimbursed for. Total damages over $100k and the fucker shouldnt have been driving in the first place without insurance.

I have no sympathy for her. Whatever she gets is way better than being in an accident with no insurance.

The fine seems kind of high but why drive if you can not pay the insurance.

What was she pulled over for?

Shit dont work like that in Illinois, you go to court and have to prove you had insurance at the time in question, say you didnt have the insurance card at the time being pulled over, you have to show old and new cards and how they overlap and you were insured thew whole time :2 cents:

Pulled over because her license plate sticker was expired. She cant get a new sticker without a valid policy number.

400 $ a month for insurance ???

thats like 4800 $ a year... that mean you pay the car back in insurance in like 4 years ...

Dosent make any sence to me ... wtf

Yeah welcome to Canada!

that would probably have been her best bet lol :1orglaugh

didn't get anything from sueing him?

Thats recockulous try mercury insurance. I don't know anyone that pays that much and my friends have all had duis and are total fuck ups lol

about the only thing you can do is go to an insurance agency and talk 1 on one with the agent... explain your situation to him/her and try to get sympathy, then slip 100$ to the agent and hope they go to bat for ya... Its not unheard of...and im sure the agent will be more than happy, its a few keystrokes...:)

ive never heard anyone havin $400/month for full coverage (or liab.) on a used car, especially a ford tauras.

and perfect driving record?? wow.

i have full coverage under my mans insurance for free (and we're not even married.)

we have ins. through www.progressive.com

check'em out.:thumbsup

Nor do I, but I pay to be covered if the looser doesn't have insurance. Hate paying it but you never know.:)

and if i knew i was driving un-insured and taking that risk, i would have surely made sure that my stickers and plates were up-to-date ...thats the #1 reason people get pulled over....and would have also checked my brake lights and headlights too.

she should have been more careful. :helpme

Sorry she is an idiot and shouldn't be driving. If you cannot afford driving; don't drive :)

Yeah I got a judgement... he has no assests to attach

He will go to trial soon for the felony hit and run and the judge will order him to pay restitution, I guess out of his prison wages.

I have a lawsuit against uhaul but they are just a thrid party and although they will have to pay, its not expected to be more $15k - $30k

The insurance industry in Canada is much different than in the States. The average joe that is a new driver can barely afford to drive in this country. Statiscics show that over 30% of Ontario drivers do not have auto insurance.. they are legaly robbing us!

she took the risk now pay the fuckin piper.
It happend to me I knew the risk when my ass was caught it cost me 1700 and a weekend in jail. Now I don't shit without checking the date on my policy. If she can't afford to drive then walk. Some ass without insurance hit me and I am still paying for the cost.

i have never heard of an insurance agent risking his license for 100 bucks :1orglaugh My dads sister is our state farm agent and she makes 6 figures for the last 20 years, I dont see anyone doing some insurance fraud for 100 bucks, live and learn

One year in jail here for that offense. They don't play around anymore.

not talking about statefarm, and progressive. Im talking about the rinkydink local places...they are a dime a dozen in large metropolitan areas like here in Boston...im sure its the same way in CA...

Something I read recently that interested me . .. in New Zealand (not sure where else) they don't require you to pay ludicrously high liability insurance. You can insure your property (car) against damage, but because they have free public health care it takes all the lawyers right out of the equation, and means you can't sue for profit. Great fucking idea! Occasonal car accidents are inevitable, and even the party we call 'at fault' usually didn't do anything criminally wrong. But yet we still waste all this money on the courts and employing lawyers and supporting insurance companies.. why? because our government has corporate friends to subsidize?

I suppose but insurance fraud aint no joke:2 cents:

I was also thinking I could scan her old card and change a few numbers and reprint it.. But then if its not perfect and they find out its fraud. That would make a bad sittuation even worse.

hmm I pay 288 every 6 months full coverage on my Lincoln Towncar through state farm, multi car discount and life insurance through them, its a beautiful thing :glugglug

put the pipe down bro, my buddy got 180 days in the can for that. Pay the fuckin fine

I know people who have spent hard prison time for insurance fraud.

ok bad idea, thanks for the heads up.

Dont fucking do ANYTHING like that. Want to go to jail for a girlfriend? Think she wont be fucking your friends while you're in jail? Think she will be waiting when you get out?

Its her problem, let her deal with it. Fuck her friends while she's in jail.

My insurance on the same car in Canada was half the cost of what it was in the states. I paid $250 a month US to progessive in the states and only paid $125 a month in Canada.

It depends on where you live, in the States and in Canada.

I'm sorry you are going through that, but the fact is: you drive without insurance, you are breaking the law (in most states) so expect to get stung.


I used to drive a pile of shit with a value of 1500 and yet I paid 120/month and I was 30 at the time, no tickets, lived in a super nice area (they rate according to the zone you live in as well)....

Insurance companies suck, but you need to pay! I learned that the hard way when I lived in an apartment over in N. Lauderdale 8 months ago and had it broken in to...... my brand new laptop, cameras, cellphones, checkbook, etc were stolen. I now have insurance on everything!!! Yeah, it IS a rip off, but sort of one of those things you need. If I would have paid for renters insurance, I would not have been out of over 7k worth of stuff without any replacement money. My boss was kind enough to purchase and loan me a laptop to use soley at home, etc, but I learned my lesson. I'm now insured up the ying yang!!!! Car, Home, Health, Life, etc.

Hey home girl..

we do have it good here in Wisconsin... well, at least w/ and only w/ regards to auto insurance. Hell, you know it isn't even required here unless you have some habitual driving violations, but it is expensive as hell in alot of states.

I'm just pissed that were stuck paying for that damn retractable roof... :BangBang: Bud Selig

Will this give her a criminal record?

Is there public transportation where you live? If not, then I feel sorry for her. Can insurances prices can be INSANE, especially on cars that are being bought on credit, which usually means full coverage is REQUIRED. If there is public transporation where you live and she can't afford car insurance, then I don't feel sorry for her at all. If she can't afford a car, then she should have one, unless she has no other way to get around to work and such.

I understand that the government wants to protect citizens from being hit by someone with no insurance and no way to pay for the damage they do, but I also think it's ridiculous that expensive car insurance is required when so many poor people can barely scrape together enough money to pay $150 a month for a used clunker to get themselves to work. The government wants people to work, work, work, then when people do, they end up going to jail because they can't afford everything it takes to have a job. (Car, insurance, child care, etc.) Especially in rural areas where the nearest place to work for many citizens is 2+ miles away and public transportation is not available and taxi service isn't always available or reliable. Just taxi service alone to and from daycare/work in some areas can cost $20-$30 a day... a fortune when you consider that some people barely make $50 a day (8 hours * $6 per hour = $48 a day BEFORE taxes). Figure in daycare for those that have children and there isn't even enough money to pay rent or buy food.

I know something has to be done to protect people from being hit by someone who cannot pay for the damage they do, but what? Perhaps government subsidized programs to help pay for car insurance for poor families? Some areas have programs that pay for public transporation to work for poor families, but what about places where no public transportation is available?

It seems like requiring insurance just makes life for poor families that much harder, then they end up driving without insurance, anyway, and ending up in jail. I think a parent in this day and age who actually works and supports their kids deserves better than that. :(

probation in the states 60-90 days Imagine if she killed someone in an accident, her whole financial life would be done and over with.

in a nutshell its the deadbeats who de-fraud insurance companies which makes rates so high

Yes, you're absolutely right. And from what I've read and heard, a big chunk of people who defraud insurance companies these days feel it's okay to do so because they feel rates are so high. So fraudsters are perpetuating high rates and high rates are perpetuation fraudsters. :(

Obviously their logic is flawed and fraud is wrong, period, but I suppose I can see where they're coming from when they do so.

This has happened to me before and I'm in Calfiornia where it's required by law to have insurance. Nothing happened to me though, all the cop did was tow my car to the pound where it was impounded for 30 days, and I had to pay almost 1k to get it out of the pound! :(

I was never arrested and never had to pay any additional fines, which is weird because according to CA law I think the fine is like 1k. All I did was go to court and show the judge proof that I have CURRENT insurance, it did not even cover the time period of when I was arrested (I paid my insurance late) And they let me off the hook! All I did was pay a $10 processing fee at court. So if she has the chance to go to court it's realy easy to get off, I think they are happy that you just show up. I am so happy I went to court, if I didn't I would have had to pay the fine, just go to court!

I never had probation or any legal woes because of this.. All I had to do was get an SR-22. My insurance rate is also lower, I only pay $124 a month so it did not even affect my rate.

I also had an expired license, because the insurance CO notifies the dmv if your insurance is not paid for here in CA.

I never got put on probation so don't worry!



This is also how I quite going to my 9-5 job because my car was in the pound, and starting webmastering full-time!

no different than people stealing from stores which drives up all associated costs exponentially, endless circle jerk. People rant and rave about the cost of insurance but can you even fathom the amount of money insurance companies payout daily on bogus claims. I cant:glugglug

Yep, and one reason you IL people have it so bad... I shudder having to think of driving through Chicago... it is a free for all w/ a bunch of uninsured illegals BEGGING to get hit so THEY can sue.

Just don't send them up North. Thanks.

relatively cheap rates.. $576/year.. (You're an older guy? married?)
But that includes insurance against damage to your car too.
Yet, does not include how much you or your employer pays for general health insurance.

Do you know how much per year is paid in just liability and health insurance?

The USA has a workforce of over 200 million.

if they all paid $576 annually in additional tax for health care,
we'd have an annual budget of $115,200,000,000!
That's more than the whole nation spent last year!
(which includes the insurance companies profit margins)

Everyone could pay less, regardless of age and other factors,
and we'd all come out ahead. We are paying for unnecessary bureaucracy.