[LMB] OT: Wreck update

Fred fred.fredex at gmail.com
Fri Oct 29 13:30:37 BST 2021

Any of you who watches Judge Judy on TV will know that she has cases all
the time including people who had an accident and were driving without
insurance. I don't know how that happens. I'd assume that if their
insurance lapsed, that the insuror would notify the state of the fact, but
apparently it is easy to get into a condition of not having insurance.

Needless to say, she verbally blasts such idiots and makes 'em pay.

On Fri, Oct 29, 2021 at 7:43 AM Marc Wilson <marc.wilson at gmx.co.uk> wrote:

> On Thu, 28 Oct 2021 23:04:56 -0700, "A. Marina Fournier via Lois-Bujold"
> <lois-bujold at lists.herald.co.uk> wrote:
> >On Oct 28, 2021, at 10:27 PM, Raymond Collins <rcrcoll6 at gmail.com> wrote:
> >>
> >> ?I'm glad you're okay too.
> >> In Nebraska you have to show proof of insurance to renew your license
> tag.
> >
> >Gwynne:
> >
> >>>> I like the way they say the 'policy was not in force' at the time
> >>> of the
> >>>> accident; in other words, the guy didn't have insurance. We're not
> >>> allowed to
> >>>> drive without insurance here, I thought it was the same over there.
> >
> >Marc?
> Yep.
> >>> I'm not sure how it works there - here in the UK, insurers contribute
> to
> >>> a fund to cover accidents caused by uninsured drivers, and there is
> >>> generally no "excess" (what the US calls a "deductible")
> >
> >Marina:
> >In CA, you have to have proof of insurance when you register your car. I
> think the same is true for a driver’s license.  If you want a license so
> that you can drive a rental or a friend’s car, you can’t get insurance, as
> it’s your car that’s insured, not you the driver.
> That's ... kinda weird.  I know many people who have a licence but no
> car.  Because e.g. they live in London, and a car is more of a liability
> than a benefit, much of the time.
> My wife's cousin is one such; they're members of a car-share service. If
> they need a car, they can book one for an hour, a day, a week.. cheaper
> than rental.  And of course they can rent on holiday if they do the
> fly/drive thing.
> We have four cars in our household, and they're all covered on one
> multi-car, multi-driver policy, for various combinations of designated
> drivers.
> As an insured driver, I'm also insured (third-party only, the
> legally-mandated minimum) to drive any other car with the owner's
> permission - which can be useful in an emergency, say.
> >
> >My license expires in 2024, by which time even my accidents (poor depth
> perception (because I’m short) when in a car whose hood, much less the
> absolute front—almost any car I’ve been in, including VW Beetles) five
> years ago will disappear & premiums should be reasonable, for some value of
> ‘reasonable’.
> I'm in the sweet spot, insurance-wise, where my premiums go down
> year-on-year, though they will start to rise again once I top 70.  I do
> have 46 years' No-claims discount (sadly, it peaks at 60%, or they'd be
> paying me!)
> And herself's last claim was over four years ago, so that drops of the
> radar at the next renewal, so it should go down even further.
> And I live out in a rural area, so it's a low-risk area for thefts etc
> so relatively affordable.
> If I were a millionaire, I'd not carry insurance, though; I'd post a
> bond and self-insure.  I'd be about 50 grand up in today's money if I'd
> had that option at 17.
> --
> Wonderful fact of the day:  In Scotland, there are twice as many
> Giant Pandas as Conservative MPs.
> --
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