yourmama

Actually, the person driving this isn't even eligible for his own insurance deal. He has 4 tickets in the last three years.

They don't want bad drivers. They want fairly clean records. If you have 3 or 4 tickets you're considered a bad driver and not likely to get a quote from them.

MaGaS

well that sucks! but i guess to most people who have a fairly clean record it will be pretty damn good! 1500/year is less then what drivers 17-24 pay for a shitbox! some people pay that every 4months.

General

I know that they dont want bad drivers... no insurance company wants bad drivers.

My record is not too good, one minor and one 29 Over with no accidents. My premium hasnt gone up since the last major ticket just beacause i renewed it before i went to court.

powered_by_a_rabbit

Whats funny about all this is that in europe everyone starts off on the same level .. i.e. they have low rates as in $100/euro a month.. and if they get into an accedent then there rate goes up accordingly ... NOT the TOTAL BULLSHIT like in canada where new drivers start off at $9000 or ($600/month) as they wanted me to for my older Audi..

Im seriously thinkin of driving without insurance... the fine i will get if im caught is $5000 i have heard... i will be saving $4000 as apposed to the $9000 a year if i do get insured ..
HOW ED IS THAT?!?!?!?!

this is to anyone in the insurance field>>>> ....IN S

yourmama

It also takes a lot more demonstrated driving skill to get your driver's license in most European countries. Taxation on new cars and high fuel prices mean that fewer people drive cars and for shorter distances when they do. Together, this means there are a lot fewer incompetent snot-nosed young drivers on the road.

Now, you think you can save $4,000 per year by driving without insurance? Why are you having to pay $9,000 in the first place, unless you already have a ****-poor driving record?

The fine for driving without insurance starts at $5,000 to $25,000 for a first offence plus up to one year license suspension. If you get caught trying to use a phony insurance slip, add an extra $10,000 to $50,000 for a first offence on that too. On top of that the JP can order your car impounded for up to three months on conviction for driving without insurance, and after that three months you also have to pay for all the towing and storage costs before you get the car back.

Mind you, once you get the car back you probably won't be able to afford to drive it. You'll be forced onto Facility insurance and their very high rates, and on top of those high rates you'll be looking at minimum 100% insurance surcharges for the next 5 to 7 years.

If you instead choose to again drive without insurance, you then face driver's license suspension again, three-month vehicle impoundment as a certainty, $10,000 to $50,000 fines for doing so, and an additional $20,000 to $100,000 for producing a phony insurance slip if you do that. And, having already been convicted for it before, you can bet that your name and cars will be on a hot list with your local police dept, which means that this time they'll be looking out for you and can catch you even faster.

If you get caught as a result of an accident, the insurance companies behind the car or cars or people you hit will come after your personally for all damage and medical, loss of ncome and therapy payouts. The uninsured drunk who ran into me last year is facing all of those fines, vehicle impoundment, paying to replace her own totalled vehicle, PLUS lawsuits from my insurance company and the insurance company of the other car she hit in her rampage. My insurance company wants back the money they spent fixing my damaged truck, and the other insurance company wants back the money they paid for a written off third car plus the medical and loss of income payouts on the person she injured.

If she ever drives again, she'll pay thousands a year in insurance surcharges on top of all that. Her decision to drive without insurance will cost her well over $100,000 and maybe as high as $200,000 out of her own pocket by the time the overall tally is added up, and she was lucky in that she inflicted only very minor injuries on the other driver beside me that she hit. Had someone died....

And you plan on potentially putting yourself in the same place to save $4,000? Sure, good one.

General

wow.. there goes here life... driving without insurance is just not worth it... dont get tickets, what till you 25, then drive.. TTC is a good way around

MaGaS

5000 if you get caught. lets say you get caught after one day of driving... shitty.... and if someone REAR ENDS YOU (their fault) you pay for their car, and you get slapped with a 5g ticket

midrange

not just that ploicy thats starting but a lot of insurance companies will not take people on now if they had an accident on record..

ivperformance

look man I got caught after 2 years of driving without insurance(i had an insured car, but one wasnt, and I took it often), I was young and thought like you, its not worth it, yeah i saved 10,000 dollars minimum, but during about the last 2 months before i got caught I started realizing, what if I hit somebody, think about it, if you hit somebody and they start saying their back hurts you cant do all, you have to hire a ing private detector and a health specialist while paying the er for pretending his back hurts while hes partying.

also the court money, the insurance hike after, what if somebody crashes into you, you have to run either way, then you get ed for some er crashing into you and writing down your plate, running from scene, listen dont be stupid, im telling you its not worth it. also if you try to fake the slip, the ticket for that is around 20,000$$$ so remember all this while you up your life.

General

exatly.. theyrip you off but cover your *** from the law

1cam8valves

Would you quit the post whoring and state something factual!

If regular market denies you, you move into Facility Association, they take everything; tow trucks even. You could have 10 at fault losses, FA must take you but with at least a 250% surcharge

General

lol... so like 20 grand a year?

Koolaid

Do you have to go through certain insurance companies for this? Or is there a way of contacting them? I just need to get all my options out in the open here. I still have to wait for some insurance brokers to contact me once again.

1cam8valves

Only three companies are "Service Carriers" for Facility: Co-op whom you can contact directly however both Royal & SunAlliance and ING require you to go through an ins. broker.

Your broker(s) should provide all the nessecary info except for Co-op.