Originally posted by ScottK:
Here in CA the "uninsured driver coverage" is a standard part of the policy.

So many damn people don't have it here you have to pay your own company to cover you in case the other driver can't. Basiclly the honest drivers pay twice for the deadbeat slobs who don't pay at all



I hope when you say "standard" you mean optional. you dont have to have it but its highly advisable for situations like this. Anm8, i seriously hope you have it. i was in an accident like this yearsssss ago and i didnt have it because i was an 18 year old kid who could barely afford liabilty insurance. If you do have it, then dont worry about. the insurance company will take care of it. theyll fix your car, pay your medical (if provided in your coverage) and MAybe go after the other guy. A car insurance adjuster told me its typically not worth their time/expense. In CA, if you get a ticket for no insurance, youre f*cked! i went to traffic court and there must have been 20 people in my seesion alone who got busted for this. people from all walks of life. they were gettin slammed with $2500 fines, each one of them. Kinda funny cuz they could have had insurance for less than that. Now they pay a huge fine and have to go get insurance, or at least are supposed since the court doesnt check up on them once they pay the fine. i was there on typical CHP multi violation ticket (exhaust, tint, etc..) AND no insurance. lucky for me, i just didnt have proof when i got pulled over. cleaned out my ride for a show and forgot to put it back. Never again! unfortunately, fake insurance cars are very popular here in LA (just like fake passports, driver's lic, etc..). I had a pimply faced white kid offer to sell me one at fabrication shop. he had a handful of pre-printed ones read to go. $150. NO thanks! doesnt help me if i wreck my own car, or someone elses.

The reason insurance in CA is so HIGH is not because of all of the uninsured drivers, its because of all of the sky-high PI suits that result from car accidents. someone's parked car gets hit and theyre ready to get an attorney.
i ought'a know, i live in sky-high car insurance capital of the world! when i was 18 i called my insurance rep with some cars i was thinkin of buying. i asked about a Mustang GT and was quoted $6500 and $4500 for a V6, a year! i had one 1 point ticket back then. Im now 28 with no points on my record, multi car discount, and teacher's professional discount and still pay A LOT for my csvt! it's worth it though. we recently looked into a convertible camaro V8, fugetaboutit!

Originally posted by Tourgasm:
Sometimes you can mess up a word so bad that spell check doens't know what the hell you're talking about.