How do police check our insurance?
 

Hey guys, I'm having the same auto insurance problem as almost everyone else in Ontario (especially the ones under 25): the rates are too damn HIGH!!!

I honestly have nothing against the idea of paying auto insurance, but thanks to our private insurance system (some other provinces have gov't issued insurance) it is not possible to pay insurance without starving (again, especially if you're under 25).

Let's say you get your pink insurance card, and then you cancel your policy. If you get pulled over and you give the officer your pink slip, does he actually call the company and verify?

HOW DO THEY KNOW THERE IS A POLICY BEHIND THE SLIP?:retard:

P.s. this is for a 100% STOCK car, no mods, no crap. Very low-key, average looking 2001 4-door civic.

go **** yourself.

hit me and find out what happens when you have no insurance....

or...

get hit by someone else and find out what happens with not insurance...

the cops are the least of your worries.

if you cant afford a car, take the bus. the transit system here is very good... just takes longer than driving.

You are the reason why there is such a thick fvcking middle class. BECAUSE YOUR PURPOSE IN LIFE IS TO WORK TO MAKE OTHERS COMFORTABLE/RICH/WEALTHY etc etc

Show me and specifically point out to me where I said I don't want to pay insurance?? I CLEARLY SAID I WANT TO...

ok, fvckface? so you get the difference? I WANT TO, but if I get a new a$$hole everytime I make the premium, I'd rather just not pay for the SHORT TERM. Tell me if you still can't comprehend, because I may even draw a picture for you.

Oh and if your dumba$$ gets hit by me...trust me, I'll pay you cash for your damages even if they are up to $10K or so.

And yes, I do have that much money sitting around, not that I need to prove it to you.

But I'd rather not pay 7K out of my investments/income for fvcking insurance.

Next time read the post twice, a$$wipe.

P.S. If anyone has any useful answer to the original post, feel free to reply.

well they do check, they dont need to call, it comes up when they run the plates. remember to get the plates you need the insurance, they go hand and hand.
if your good, you'll get the car towed at your expense and a $500 fine.

6msentra....if he were to hit you, you would be covered through your DCPD portion of the policy (direct compensation property damage) because it wasnt your fault and your premiums will NOT go up at all. your insurance company will compensate you for your loss at no charge.

ricernoob, if you hit someone with no insurance your screwed, in many ways,
example: you drive into 6msentra's car cause $10,000 damage to the car, are a threshold injury to him. (threshold meaning serious disfigurement) threshold damages in this collision total $500,000,
6msentra's car is payed for, and his damages are payed for too by his insurance company, his company can then subrogate the money they paid 6msentra from you. (meaning they will come after you for all the money they spent) this is only because the injury met the threshold, and was over a specified limit.

if theres another insurance/law guru on here please correct me if i messed a part up, im still relatively new with certain portions of the field.

Incorrect ...I've had experience with this. I know of someone who canceled their insurance after they got the pink slip in the mail.

Then they got pulled over and showed that slip and absolutely nothing happened when the officer came back to return the slip and license....

However, THIS OCCURED IN 2003/04'

So this DOES ENSURE that officers only have the evidence of a pink slip saying that there is a policy under which the vehicle in covered. If info does come up on their computers, then why didn't it for this driver MULTIPLE TIMES?

Think about it, is there an insurance database that exists for the use of the police force so that they can see who is currently insured and who is canceled?? I HIGHLY DOUBT IT...I have never heard of any such collection of data that officers can access via their computers.

I think the only records an officer can access on his computer is everything that is recorded under the driver license number...you know?

The only way an officer can check for insurance is by making the phone call. IF YOU RECALL BACK TO 2003/04' when the Woodbridge scene was starting to slow down due to high regulation, there were stories of officers calling insurance companies (especially for modified cars)

Anyone verify this information?

Thanks

you're completely missing the point. getting an insurance fine is far better than injuring a pedestrian for instance, or if you crash and your passenger is injured, etc.. normally your insurance pays for that, lost wages, lawsuits ets... now youre on the hook.
and if someone hits me, or if i hit them and they dont have insurance you can bet that i am making sure the cops bust their ass. sorry, but there is usually a reason for someone driving without insurance, and it is never good.

take the damn bus.

and if you can pay damages up to 10g's... why not pay the insurance? you're making no sense... if you were to do 10g's in damage to someones car, the cops would be called because it would be a serious crash.

Nope, you're completely missing the point.

In fact, I cannot even believe you just said you'd call the cops to bust someone who is driving uninsured...seriously, ask yourself, what is your motivation to doing something so ****ing ridiculous?

Are you just a nazi in general, or does it pleasure you to watch someone else suffer?

Seriously, that's pathetic...cos like I said, if the guy agrees to pay your damages then why do you need the police involved?

Are you one those 40 yr-old moms preaching about "SAFETY FIRRRSSST"

Seriously buddy, nobody wants to scam insurance, BECAUSE THEY ARE TOO BUSY SCAMMING YOU AND ME.

I'm not a teenager, but still under 25, and I'm fvcking sick to my gut with high rates and slavery-minded people like you.

BELIEVE ME, it's LESS headaches for me to actually pay their damn premium...but holy $hit, their lowest asking rate for a 11-year-old Chrysler is $4500...How am I suppose to make payments like that while working p/t and paying full-time tution for school?

Now tell me, you see where the REAL problem is? IT'S THE DAM RATES. Why is it that in other provinces ppl are paying as little as $50/month??? Because they have public insurance, not like Ontario where fvcking private enterprise has a stranglehold on the entire province and they don't even wana do something about it cos they're so brainwashed like you.

P.S. stand at the bus stop yourself in -20c this coming winter and then come back and type here again.:retard::hypnotize

i used to do that when i couldnt afford a car plus insurance.
right now you can't afford it... youve got to pay to play, so right now you have to be responsible and take the bus.
so what if you have to pay 4500 a year... the cost has nothing to do with the vehicle you drive, hell, my insurance went down when i bought my current car, and judging by your views on how insurance is priced i should be paying ALOT more. but then again insurance prices are based on ALL risks associated with the person they are insuring. sorry, but you fit into a bracket where you are a higher risk... thats just reality, and judging by your attitude and single-mindedness (oh, and ignorance) it is fully warranted.
as far as your question "how am i supposed to pay for all this stuff...", the answer is simple. you have to prioritize your life and do whatever is more important. a car is not that important in the grand scheme of things. in the GTA it is a luxury, not a necessity. well, if you are currently too poor to afford luxuries, then deal with it, and one day you will be able to afford them. your life wont end because you dont have a car for a couple of years. there are so many people in this city that dont have a car and survive just fine.

and yes of course i would call the cops if some uninsured sack of got into a crash. usually there are serious reasons that they are uninsured... sure there are people that cant afford it, but they should be on the bus as well... and if they cant afford insurance, they certainly cant afford to fix my car. the other group are the ones who keep getting suspended licences for driving infractions, people that keep getting cancelled because they keep crashing... they are all bad drivers who shouldnt be driving in the first place. so **** them. irresponsible losers who need to be taken off the road.

yea, you can do just show the pink slip and nothing will happen to you...my friends been doing this for about a year now

Point fully understood. However, I have zero accidents and only one speeding ticket WHICH IS NO LONGER EVEN ON THE RECORD since it was many years ago (2002 I Believe).

AGAIN, for the third time (and the final time) I will bring this to your attention once again. The problem in ontario is that of PRIVATE INSURANCE, not of bad drivers. Are you telling me the rates here are so astronomical because the ENTIRE DAMN COUNTRY'S BAD DRIVERS WERE SHIPPED TO ONTARIO???

BAD DRIVERS CAN JUST AS EASILY BE CONTROLLED (EVEN BETTER) UNDER THE GOV'T SYSTEM AS IN OTHER PROVINCES.

I see your point, but let me tell you once again that your starting point and your logic is COMPLETELY FLAWED. You cannot even seem to get your head around the heart of the problem. You keep focusing on the end user. Very grade school.

Thanks for the compliment on my single mindedness and ignorance. I'm more interested in watching out for my own interest than to live for someone else. Or even worst, in your case, live to make someone else rich.:retard:

haha, very good! you obviously have me pegged :smilie_da.

the fact that i am only commenting on one part of your tantrum would suggest that i either agree with you on the rest, or simply don't care about the rest...

From your profile, it says you are 23 years old, and you just said you have 10k in the bank.

If that's true, you should be able to get and afford insurance for around 2-3k a year... depending on your record.

Shop around. If your still getting high rates, sell you civic and get something else. I'm 19 and, for example, bel air direct "only" wants about $3k for a 1992 BMW 325I. They want about 4-5k for a 92-00 Civic hatch. I also refuse to pay 5k liability for a 2-4k car when I have a clean record.

actually the problem is not private insurance. you need some education when it comes to insurance. the premiums that we pay are used to finance all industries withing the province. the money is not just put into a pot and collected for fun and to be extremely rich. the majority of the cash is held up in investments that without our economy would suffer greatly.
insurance s the cost of a loss of a few among the many. without, we'd all have to have millions of dollars in the bank to cover our losses.

plus if your paying that high your not telling us the truth about your insurance record,
when your below 25, rates are based on age mainly. then experience, car, territory, use.

also when it comes to provincial insurance youd be screwed ricernoob, do you understand how provincial insurance works? when you get your plate sticker you pay the insurance too,if you dont pay the insurance you wont get your sticker, its one cost. so if your worried about the monthly rates try paying it in one payment. im sure youd be happier.

ricernoob, so your experience with this is what happened to your friend? not exactly your experience is it? im not being an ass but i have friends too that have been stopped without insurance. the cops know, and usually they allow you to get the car home, well some do.

and incase your wondering or have questions feel free to ask me, i know insurance and law quite well. im working towards my CIP designation for insurance right now and am a private investigator right now. (did police foundations aswell, and work very closely with the police, until i am one)

There is a law that states you must call the police if damages exceed a certain amount (either $500 or $1000.. I forget which) or if there is personal injury. So if you were to hit someone resulting in even minor damage, it's unlikely the other guy is going to be cool with you asking that the cops NOT be called. Why should HE break the law on YOUR behalf by not calling the police as he is required by law to do.

So eventually, it IS going to be determined that you do not have insurance and the minimum fine has been increased to $5,000 for a first time offence. And if you were to hurt someone bad, you could be looking at a wage garnishement to the victims insurance company for the rest of your life.

I truly do feel your frustration. I once seriously thought about doing the same thing your friend is doing (and you are considering). But it's only a couple years before you turn 25 and your rates will come down. It's a truly HUGE risk that I would recommend you not take.

BTW... Civics are one of the most expensive cars to insure. I would recommend a boring old Escort (lowest of the low).

Have up to date stickers on your plates and a legit pink slip (cancelled? They cannot check that..especially after 5pm they can't even call..even though they never would..too ****ing lazy) Wear your seat belt and drive the speed limit...hardest part is not wigging out when a cop is behind you. Ive done it..and in extreme cases..sure, you gotta get to work/gotta eat..but keep it short term. If your thinkiing of doing this long term..gert another car..that hgas cheaper premiums. Why? Cuz if you kill someone in an accident its MURDER w/o insurance.

WOW. you know i havent posted anything serious in a while but this thread just jumped at me, especially how stupid some of you ****s are.

first off for all you non insured ****s, the cops DONT have a system to check for your insurance, after a certain incident that happened to "someone", "someone" made a photocopy of an insurance slip and with some photoshop skills drove for 1.5 years without insurance because 1.5k a month is NOT a premium a 19 yr old at the time should be paying. (forget about the fact that at the time the only way to get to work was by car). That someone received numerous tickets while with that photocopied insurance, none of them were for speeding, or dangerous driving related charges, just a bunch of dont turn in here during this and this time, b.s. like that. anyways the moral is COPS DONT HAVE A SYSTEM TO CHECK IF YOU HAVE INSURANCE ON THE SPOT.
They could however call, but they rarely do. If they do find out you have a fake one then youre looking at 10k Minimum i think(some of the pigs roaming around here should correct me on that one).

Now Mr. 6M woodbridge kid, some of the people around here(and I'm really glad I finally don't have to face that problem anymore :) ) cant afford paying 500$+ a month for insurance, and if damage happens those people that cant afford paying that 500$+ insurance will be able to use their credit cards and lines of credit to pay for your mom's car damages ok. Get that through your head. There is no reason to call the ****ing cops, as a matter of fact i know someone who got knocked out for calling the cops on a 400$ damage for a car cz the other kid didn't have insurance, and i would probably do the same even when i do have insurance because thats just retarded.

Also don't be a ****ing dumbass, a car in the GTA is not a ****ing luxury, youre not in ****ing rio, brazil, ok. Were in North America. If it takes you an hour to get to ****ing work by car and 4 by bus then you dont really have much choice now do you smartass.

**** man i feel like some of the people on this forum dont have a clue of what they are talking about, because i KNOW that if 6m would have a friend who drove without insurance and would hear his reasons he wouldn't be a such a and yap about calling the cops if someone would hit him without a slip.

w.e you know all of you without insurance if you can't afford it then take the g*d d*mn bus. plain and simple.

Okay I know a few people running this scam. And thats exactly what it is, you are not only breaking the law, you are running a serious gamble if you happen to get in a collision. Trust me the consequences of doing so are far more expensive in the short and long term if that happens than paying insurance.

1. All of the friends I know running this pink slip scam, have been caught and some more than once.

2. Not all cops will call it in, but in 2 cases that I personally know of they have. And I was standing right there when they did. The cops are more than aware this is going, especially with younger drivers. However like someone mentioned, usually only before 5pm this can happen because insurance companies close.

3. Whoever said cops have it on their computer, is wrong. They have the policy you reported to the ministry when you got your plates. However, you do not need to provide a valid policy when getting your plates because the ministry does not confirm it with the insurance company name you provide. By law you should though provide the correct and valid policy.

Finally, there are obvious holes in the system, but you will be caught, may be a year from now or 1 month from now, but you will get caught. And you will regret it because it wont be worth the financial expenses. As well when you turn 25 and expect to get lower rates, you will be suprised on how badly a conviction for no insurance will affect your rates.

It is very simple, unfortunately the cost of insurance in Ontario is high. But it is what it is. Doing this thinking that you're evading the system is ridiculous. You are screwing yourself. That one time you someone hits you or you hit someone and the cops are called to the scene, you will have a very large problem. And remember doesnt matter how great of a driver you are. Tons of other bad drivers out there.

a car anywhere that transit is available is a luxury.
the problem are sacks of piss like yourself that think that they MUST have a car. well guess what... you dont need one. that makes it a luxury item, it allows you to travel more quickly.
i would be embarrassed to be you, if you are so stupid that you have to punch someone for calling the cops on you for doing something that is not only illegal, but also can affect someone elses livelihood. so tack on an assault charge as well. then you might get pounded into the ground if you slapped the wrong person, so you get 10g's for no insurance, an assault charge, and possibly a wired jaw... sounds like a great way to **** up your life. all because you though you were hot because you had a rustyass civic, but didnt realize that you couldnt afford to drive it.
if you drive without insurance you are a piece of . plain and simple... there is no justification for it. either you can afford to drive, or you cant. only an would think its ok to drive without insurance.

edit: heres a nice bedtime story for you as well, if you like to use fake insurance slips. "It is an offence under the federal Criminal Code for anyone to knowingly make or use a false document with the intent it be acted on as genuine and the offence is punishable, on conviction, by a maximum of 10 years imprisonment."

man, you really didn't get anything i wrote. You're ignorance is just unbelievable. I wanted to write a long reply to your statements but i just read over your comments again and its just a waste of my time.
You really have no clue what not being able to afford is, and its a waste to talk to people like you seriously, sorry man, no offense.If you haven't been on both sides of the track then you shouldn't even be in this thread. And its obvious you haven't.

And about the rustbucket civic comment. Don't be a fool. I can afford to own 3 Sentras if i wanted to(even with my past), but that wasn't always the case thats why just like I said you need to visit both sides of the track before making such harsh comments.

wow everyone really jumped on eachother here.
if you are caught without insurance and later-on try to get insurance, you'll also have to get a proof of financial responsability (or somewhere along those lines) to prove that you can pay for damages should you get in an accident, and your insurance will probably be much much higher.

so just pay insurance, if you damage your car or someone elses, try to settle it on your own privately (and not by punching out people, as funny as that sounds)
however if its over a certain cost you are required to report it to the police. and the majority of people will report it because it will help cover thier ass should something happen down the road, such as them being hurt, they may not appear to be hurt at the time but after the adrenaline drops thats when they'll notice, and thats when they'll hurt, if its not reported the insurance has less proof of the accident.

A lot of brokers are doing private fleets where they add ur vehicle as a company vehicle and you as a company driver. You pay like max 200 a month (which is not bad).
Driving without insurance is no problem with cops. it's not even that big of a deal when u get into a small accident and things can be arranged to avoid having police/insurance involved.
But when u get nailed in a good 3-4 car accident, your old insurance company will know about it, and any other company you try to get insurance from will know about it. Nowadays if you drive without insurance and get booked chances are you will not get insurance for 5-6 years, and when you do itll be twice the amount as it normally should.

You have a lot to consider when gambling a risk like that. What would happen if you were driving with a loved one (just for example) and a drunk driver going opposite direction (again just an example) rams right into you... :dunno:

sorry, but poverty isnt an excuse to break the law. if you cant afford it, make more money, or spend less... either way, its up to YOU to make it work.
if you still cant afford to own and operate a car, then too bad... take the bus, walk, ride a bike... just like i used to (i couldnt afford a car for a long time, please dont assume you know who i am or where ive been...).
its great that you could afford 3 sentras.. i'm happy for you... however my comment was towards the fact that my car is worth more than 3 sentras and if someone who "couldnt afford insurance" was to smash it, they would likely not have the means to spend the tens of thousands to fix it, especially considering they would have to come up with the cash while at the crash scene, then beg the cops to not charge them. you see the problem with your view is that as a law abiding citizen, i have 24 hours to report a crash, and i am required to report it to my insurance as well, even if i dont want to use them to pay for it. if i decide to take your money and let it slide, then i could be cancelled, charged with fraud, or sued by the ins.co. thats a lot of to get into for being "nice" and letting some uninsured prick get let off his driving stupidity. now also considering that i have 24hours to report it, and the ass that hits me is supposed to pay me in a couple of days... and he disappears... i'm outta luck. remember this is already showing a disregard for driving, laws, and other people in the first place... why would he want to pay me thousands of dollars to fix my car when he can just run away and hide?
you see, you make no sense saying that they could use credit etc... well if they can afford to pay off their credit, they can also pay off their monthly insurance payment. or purchase insurance for the year on a credit line, and pay it back as they can. there are always options.
but sorry, there is no excuse for breaking the law, no matter how minor...
again, considering you couldnt understand what i wrote the first time:
driving with no insurance makes you an . there is no excuse.

Do you know any brokers? (PM if you want)

I can't afford full-year insurance so what I'm trying to do is get insurance for just the summer and change it to theft/fire for the rest of the year. I can't find any companies that do that yet...

This thread is still getting a lot of ignorant replies. Who cares about your views as a law-abiding citizen, 6MSentra?

Yea, it's great you pay your damn insurance, and it's better that you would call the cops on someone who doesn't...

....but at the end of the day did the heart of the problem get resolved?

I.E. AUTO INSURANCE INDUSTRY CONTROLLED BY PRIVATE INTERESTS, NOT REGULATED PROPERLY BY THE GOV'T LIKE IT SHOULD BE.

Year after year, the private insurance industry churns out insane profits.

6MSentra (and other "do-gooders"): for the final time, NO ONE HERE IS AGAINST THE IDEA OF AUTO INSURANCE HERE...the heart of the problem is privately run companies. They're charging too much, and if the province won't do a proper overhaul, PEOPLE NEED TO START TAKING MATTERS INTO THEIR OWN HANDS.

*end thread*

i agree with this... which is why i havent spoken about it in this thread


i dont agree with this because it is idiotic.
please explain your idea of taking matters into your own hands, and how that is going to change the insurance industry...:smilie_da

It's the provincial government's job to do that...any one single individual who thinks they can make any such different in an industry such as this one is setting himself up for defeat. It just won't happen...

On the other hand, if the gov't doesn't want to intervene, the ppl have no choice but to find their own loopholes around the matter (which is what you're seeing a lot of in Ontario now)

actually the auto insurance industry is regulated by the government, only brokers are not, they are regulated by RIBO (registered insurance brokers of ontario) however the insurance companies they work for are regulated.
they do make a huge profit, along with every other business in the world, if your not making money your a horrible business.
do you honestly believe the other provinces (i.e ALBERTA, the richest province) doesnt make income from your policy premium?

plus the insurance industry is one of the largest investers within canada.

Great reply buddy...at this pace, you will have the mentality of a 18 yr old at the age of 30.

Keep on slaving away, and keep on making the rich even more filthy rich.

No wonder the majority of job growth every year comes from service sector jobs, construction, etc etc...All peasant type work.

Cos majority of ppl just have your mentality.

Profit or no profit, I could care less...if they're charging upwards of 3K for a 1992 BMW 325 (as the member on the last page stated) then SOMETHING IS SERIOUSLY ****ING WRONG, TRUST ME.

Go to www.6speedonline.com, or www.ferrarichat.com....hold an insurance discussion there. Guys in many states are paying ONLY $800-1000 per year for a damn FERRARI or a Porsche...

counterpoint all you will, but whether you realize it or not, YOU AND I ARE BOTH ON THE SAME SIDE and we're taking it pretty good in the a$$.

Bottom line: If an uninsured driver hits me, my wife or my teenage kids, do not even try to buddy-up to me with promises of quick cash. Three seperate times I've tried to work with cash-strapped losers (well, one guy was actually rich!) that promised to make things right if I don't report it, only to get the inevitable run-around later. So don't blame me for not rollin' with your scam. Blame the ignorant fcks who don't come through on their promises. I don't know you from a hole in the ground so be very much aware that I DON'T TRUST YOU. All I know is that your engine is now in my trunk, and my neck hurts like a btch!!

Through very hard work (lots of hours), and basic money management (ie. quit smoking, limited restaurant outings, etc. etc.) I manage to make my insurance payments on my less-than exciting car. This gives me the right to drive legally on public streets. Do you really think I would be cool with a guy in the next lane driving a nicer car because he's saving all that insurance money? NO, I will despise him!

Don't think for a second I am a goody-goody type. I have over 20 tickets in my life (including Driving Without Insurance!!) and I am a well documented serial-speeder (profiled on TV, nation-wide). So I've "been there and done that"! You are likely too young to have been victimized by another motorist, but odds are you will be some day and your current opinions (about ins. coverage) will change. I can't help but feel that nothing anyone says will change your opinion though (I know the type), so I can only wish you luck with your future legal issues.

you are looking at this in the wrong way.

insurance companies insure the DRIVER, not the CAR. a 19yr old single male driver living in richmond hill, with his parents, driving 25,000km per/yr, with not tickets, using his car to commute to work, school, and for pleasure will pay roughly the same insurance for a new honda civic, or an old beater ford tempo. why? because the risk is the same. the car is cheap to fix and replace.. youre not paying for that... you are paying the high price for the liability portion which pays for personal injuries etc.

your not the brightest there are you ricer?
if your going to do comparisons do them within canada. you could say that england has cheaper insurance, so they're the greatest. ( i dont know if they are or not just a dumb statement)
but you want cheaper insurance? is that your ultimate goal? according to you the states are cheaper right, so then you can also start paying your medical bills cause insurance helps out there too. but it wouldnt matter cause you have $10,000 you can give someone if you run over their child.

as for the mentality of an 18 year old, thats one of the funnier things ive read. thank you. but its possible your just too stuborn and possibly immature to notice that people on here have actual valid points backed with an education, and you have only opinion. an opinion based on bad rates of someones bmw, which i agree are high, but maybe its them and not insurance. try shopping around more, and im not taking it in the ass with insurance, im 25 and insure three cars, a CRX, a 4runner (lifted and modded) and a 2000 jetta, i pay $198 for all perils coverage (full coverage) for all 3

so if you want to have a real discussion about insurance and educate yourself about why your being raped by insurance then fine i'll have one, but if you have no interest in listening and actually learning then dont pay insurance, you'll be well educated when you injure someones kid and are put in jail and lose everything because they sue you for half a million dollars. or you hit someones car and try to pay him off and he beats the crap out of you..................goodluck with life

Trust me there is a huge misunderstanding going on in this thread for a while now...

...Again, to make things clear, I'm not against the idea of insurance. There is no argument against having insurance.

The root of the problem are the rates. There are plenty of bad drivers everywhere in every country, but not everyone goes by the fvcked up insurance system in ontario.

And what you're considering/planning to do is the answer to the problem?

Idiot like you knows nothings better than scamming.

Hahhaa trust you? You talk just like any trash i've seen on street. Your post clearly shows you dont know shiet about stats. Ever play poker? i advice you not to.

No, never played poker.

I did, however, pass grade 5 English class unlike yourself.

Bravo.... here a cookie.

LOL at your come back. This is like school ground for you eh?

ricernoob has it pretty much its obvious who's the ignorant one here. What do you propose by people taking matters into their own hands though?

It's the same when gas prices are high. Gas is a much needed commodity for our society to function. We as consumers are powerless to control the prices because we don't work collectively to achieve that goal. How would this work for auto insurance? Only the government can step in and end these shenanigans.