How do police check our insurance?
11-06-2007, 10:26 AM
#16
Average GTcars Poster
Join Date: Feb 2005
Posts: 607
Rep Power: 714 
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.
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.
Last edited by ivperformance; 11-06-2007 at 10:37 AM. Reason: had to tone it down a bit, too many people neg me when i swear
11-06-2007, 12:28 PM
#18
Junior GTcars Poster
Join Date: Feb 2005
Posts: 242
Rep Power: 706
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.
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.
Last edited by brownkaos112; 11-06-2007 at 12:35 PM.
11-06-2007, 07:59 PM
#19
Junior GTcars Poster
Join Date: Feb 2005
Posts: 366
Rep Power: 709 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.
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.
the problem are sacks of **** 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."
Last edited by 6Msentra; 11-06-2007 at 08:24 PM.
11-06-2007, 10:29 PM
#20
Average GTcars Poster
Join Date: Feb 2005
Posts: 607
Rep Power: 714 a car anywhere that transit is available is a luxury.
the problem are sacks of **** 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."
the problem are sacks of **** 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.
11-06-2007, 10:57 PM
#21
~~ Hardcore Newb ~~
Join Date: Oct 2007
Location: hamilton
Posts: 21
Rep Power: 604
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 *** 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.
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 *** 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.
11-07-2007, 09:51 AM
#22
Average GTcars Poster
Join Date: Dec 2005
Location: REXDALE
Posts: 588
Rep Power: 684
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...
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...
11-07-2007, 08:09 PM
#23
Junior GTcars Poster
Join Date: Feb 2005
Posts: 366
Rep Power: 709 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.
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.
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 ***** get let off his driving stupidity. now also considering that i have 24hours to report it, and the *** 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.
11-08-2007, 12:46 AM
#24
Experienced GTcars Poster
Join Date: Apr 2005
Location: Toronto, Ontario
Posts: 2,162
Rep Power: 0 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...
11-08-2007, 05:13 PM
#25
GTcars Regular
Thread Starter
Join Date: Feb 2005
Posts: 1,059
Rep Power: 723
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*
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*
11-08-2007, 07:01 PM
#26
Junior GTcars Poster
Join Date: Feb 2005
Posts: 366
Rep Power: 709 please explain your idea of taking matters into your own hands, and how that is going to change the insurance industry...
11-08-2007, 07:57 PM
#27
GTcars Regular
Thread Starter
Join Date: Feb 2005
Posts: 1,059
Rep Power: 723 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)
11-09-2007, 12:40 AM
#28
~~ Hardcore Newb ~~
Join Date: Oct 2007
Location: hamilton
Posts: 21
Rep Power: 604
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.
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.
11-09-2007, 01:15 AM
#29
GTcars Regular
Thread Starter
Join Date: Feb 2005
Posts: 1,059
Rep Power: 723 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.
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.
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$$.
11-09-2007, 09:56 AM
#30
Guest
Join Date: Mar 2006
Location: Stratford, On., Canada
Posts: 99
Rep Power: 0
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.
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.