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(MSNBC)   Driving in Florida will get a whole lot more exciting when the requirement to carry auto insurance expires on Oct. 1   (msnbc.msn.com) divider line 196
    More: Florida  
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14605 clicks; posted to Main » on 26 Jul 2007 at 1:05 PM (6 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2007-07-26 11:14:22 AM
Didn't see this coming. Uh oh.
 
2007-07-26 11:26:43 AM
I think my auto insurance company should start paying *me* for all the accidents I've avoided in this toxic brew of bad driving.
 
2007-07-26 11:26:58 AM
The Texas situation:

The part that really sucks about this is if you have an existing car that's financed by a bank loan, you're required to carry full coverage. Additionally, you can opt-in on "insurance against uninsured drivers" which supposedly protects you in case you get clobbered by one of these low-lifes.

In reality, even if it was the OTHER FARKING MORON'S FAULT, your rates will go up because you created a "net loss event" for your insurance company, even though you're paying extra to cover yourself in the event that you're hit by another uninsured driver.

The insurance lobby has pretty much ruined things for the consumer. Federally-mandated no-fault insurance for all vehicle operators would be the best way to to. Of course, all the ambulance-chasing bottom-feeder lawyers would hate that, since it would essentially remove their revenue stream.

/end rant
 
2007-07-26 11:59:46 AM
Diogenes: I think my auto insurance company should start paying *me* for all the accidents I've avoided in this toxic brew of bad driving.

I second that.
 
2007-07-26 12:15:22 PM
markie_farkie: Additionally, you can opt-in on "insurance against uninsured drivers" which supposedly protects you in case you get clobbered by one of these low-lifes.

So, essentially, you're buying their insurance for them?
 
2007-07-26 12:21:08 PM
Law Talkin' Guy: So, essentially, you're buying their insurance for them?

Pretty much, but it works against you because you are STILL the claim initiator, which usually results in your own insurance rates going up because you're now a "higher risk" customer..
 
2007-07-26 12:32:07 PM
So, I can tell State Farm to fark off on both homeowner's insurance and auto insurance?

Earlier story (pops)

/I wish
 
Azu
2007-07-26 01:09:00 PM
Oh my god this is so awesome! I hate insuring a car I don't give a shiat about!
 
2007-07-26 01:09:19 PM
So....after this, those who do still have insurance will be the ones to be punished?
 
2007-07-26 01:09:46 PM
Chock one up for the Illegal Aliens lobby.
 
2007-07-26 01:10:25 PM
Marke_Farkie

Welcome to the wunderbar world of insurance, the best-disguised scam in history.

/Pay us money, and then we'll do everything we can to avoid fulfilling our end of the contract, honest!
//You don't need a lawyer. Lawyers are expensive and want to take your money. Trust us, this is a fair amount.
 
2007-07-26 01:10:41 PM
Oh. Fark. My. Ass.

My wife just got a lease, so of course our insurance just DOUBLED. It's supposed to go down in October once some older stuff comes off my record. Now it looks like I'm completely farked in the farking ass sideways with no lube while being broadcast over national television.


/gotta get out of this shiathole state
 
2007-07-26 01:12:12 PM
i26.photobucket.com
Approves. "I don't beleive in insurance, no risk."
 
2007-07-26 01:12:23 PM
Uh, this will change nothing.

It's not like everyone is going to drop their insurance. If they were going to do that, they probably don't have it anyway, and just drive without it illegally.

Although I have the uninsured motorist coverage anyway. It's cheap.

/you can always call 1-800-Safe-Auto. I hate those commercials, but they'll give the cheap asses liability coverage without insuring their own car
 
2007-07-26 01:12:43 PM
What's more, the state has a financial responsibility law that requires all drivers to be able to pay for any property damage or medical care they may cause.

As if that's going to serve as a deterrent.
 
2007-07-26 01:12:47 PM
grammywinningnotalentassclown: So....after this, those who do still have insurance will be the ones to be punished?

It will be just like health care business is now.
 
2007-07-26 01:13:12 PM
Also, I'm pretty sure Tennessee does require insurance. You get a ticket if you don't have it.
 
2007-07-26 01:13:25 PM
Ok, from the headline I assumed it meant you no longer had to carry your insurance certificate with you (perfectly reasonable) but TFA confirms what you lot are saying - insurance is now optional.

Umm, surely this is going to mean that huge numbers of people, lets call them the financially illiterate, are just not going to bother because "it's expensive and I'm a good driver"?
 
2007-07-26 01:13:29 PM
Gov. Charlie Crist has said he may call a special session in September to reform the no-fault system.

You go Crist. Make me wish I had voted for you.

"Insurance will not be required for good drivers,"

Oh, thats cool. So thats me and my Mom. Well maybe my Mom.
 
2007-07-26 01:13:51 PM
Good job, Florida. Way to lead the country into third-world-dom.
 
2007-07-26 01:13:59 PM
Well, we can expect to see more interesting Floriduh stories on Fark come October 1st.

This should get interesting.
 
2007-07-26 01:14:23 PM
Pretty much, but it works against you because you are STILL the claim initiator, which usually results in your own insurance rates going up because you're now a "higher risk" customer..

being in the wrong place at the wrong time and getting hit by some asshat who is more interested in texting, eating, talking on their phone, reading the paper, sleeping, getting a BJ, etc, than driving, should not make someone who is following the rules a "higher risk" customer. that's asinine.

i hate it when the wrong people hold all the cards.
 
2007-07-26 01:15:22 PM
Raspil: getting a BJ,

I want to move to where you live
 
2007-07-26 01:15:44 PM
ahh, floriduh

how i hate thee....

www.vintagevantage.com


www.floridatoday.com

www.americansagainsthate.org

www.glennbeck.com
BUT, THERE IS HOPE

www.dsc.us
 
2007-07-26 01:15:46 PM
markie_farkie: In reality, even if it was the OTHER FARKING MORON'S FAULT, your rates will go up because you created a "net loss event" for your insurance company, even though you're paying extra to cover yourself in the event that you're hit by another uninsured driver.

WRONG. Claims adjuster/kick/replies...anyway. I was an auto claims adjuster for one of the big 4 (they're on your side). If your claim is paid out under Uninsured/Underinsured Motorist, your rates can not be raised because it is not considered an at-fault accident.

Please feel free to ask me any car- or home-owners insurance-related coverage questions you may have. I am soooo bored at work today and would be happy to help. The kick/replies thing, see.
 
Azu
2007-07-26 01:15:51 PM
Gothnet:
Umm, surely this is going to mean that huge numbers of people, lets call them the financially illiterate, are just not going to bother because "it's expensive and I'm a good driver"?


How about "because I don't like paying 300 dollars a month on car insurance for my 200 dollar car."
 
2007-07-26 01:16:01 PM
What a stupid idea.

/ everyone I know who lives in or has lived in Florida says it is the armpit of the nation, however I do enjoy their conch fritters and beer
 
2007-07-26 01:16:18 PM
IMHO, Floridians are the worst drivers in the United States of America.

\I grew up there; lived there most of my life.
 
2007-07-26 01:16:20 PM
wait...what?
 
2007-07-26 01:16:41 PM
The way American's like to throw around gigantic lawsuits this should result in a whole lot of people losing everything they own, and still owing.
 
2007-07-26 01:16:54 PM
I could get behind this law.
 
2007-07-26 01:16:55 PM
Auto Insurance is the biggest governmental scam of all time.

First the government forces you to have insurance for your vehicle, and then the insurance companies look for any excuse they can to raise your rates... You're in an incident (not accident, since the majority of 'accidents' are actually preventable and avoidable if people would just drive sanely)... they raise your rates even if you're not at fault...

The only benefit I can see to insurance, overall, is that you don't need to sue someone to get repairs done to your vehicle after they smack into you.
 
2007-07-26 01:17:34 PM
The unfortunate thing is that only people that have nothing to lose will drop their car insurance. Anyone that is in a position to be sued, regardless of the value of the car, will carry some sort of liability insurance.
 
2007-07-26 01:18:17 PM
How the hell did deciding not to require auto insurance in FLORIDA seem like a good idea at any point?
 
2007-07-26 01:18:22 PM
The only reason to not carry insurance is if you are rich enough to pay all claims out of pocket. Methinks homeboy who can't drop $100 a month for liability coverage might not fit into that catergory.

/Florida insurance regulation is the laughingstock of the industry
 
2007-07-26 01:18:41 PM
dstanley: So, I can tell State Farm to fark off on both homeowner's insurance and auto insurance?

State Farm spokesmen have said that customers with both auto and homeowner's coverage will generally not be affected by the homeowner's cutback. Basically, the majority of homeowners who have their auto coverage with another company will be the ones not getting renewed.
 
2007-07-26 01:18:43 PM
farm2.static.flickr.com
"VIVA FLORIDA!!!"
 
2007-07-26 01:18:52 PM
Shouldn't this result in lower insurance costs, as the companies have to get more competitive to keep people buying insurance?
 
2007-07-26 01:18:57 PM
Law Talkin' Guy: So, essentially, you're buying their insurance for them?

Why not? I'm already paying for the home insurance for people with houses in high risk areas that are nigh uninsurable. The state-funded "insurer of last resort" is bankrupt, so the legislation thought it would be AOK for those of use with real insurance to be charged for them.

How that's legal is beyond me. You might have a better clue, though.
 
Azu
2007-07-26 01:19:02 PM
AirForceVet: IMHO, Floridians are the worst drivers in the United States of America.

\I grew up there; lived there most of my life.



Clearly, though, you've never driven through a real city, which Florida lacks. And yes, while driving on I-4 through Orlando is like juggling knives, its not half as bad as the time I drove through philly, or worse yet, NYC.
 
2007-07-26 01:19:13 PM
"Nobody believed this would really happen. Nobody believed it would really go this far"

Welcome to Florida, pal.
 
2007-07-26 01:19:37 PM
Time to armor up the Durango...
 
2007-07-26 01:20:09 PM
legislation legislature
 
2007-07-26 01:21:09 PM
SuperCrackMonkey: markie_farkie: In reality, even if it was the OTHER FARKING MORON'S FAULT, your rates will go up because you created a "net loss event" for your insurance company, even though you're paying extra to cover yourself in the event that you're hit by another uninsured driver.

WRONG. Claims adjuster/kick/replies...anyway. I was an auto claims adjuster for one of the big 4 (they're on your side). If your claim is paid out under Uninsured/Underinsured Motorist, your rates can not be raised because it is not considered an at-fault accident.

Please feel free to ask me any car- or home-owners insurance-related coverage questions you may have. I am soooo bored at work today and would be happy to help. The kick/replies thing, see.



Hey, me too!!! In home office, Columbus, Ohio. Rock on bruthah.
 
2007-07-26 01:21:22 PM
Azu: Clearly, though, you've never driven through a real city, which Florida lacks. And yes, while driving on I-4 through Orlando is like juggling knives, its not half as bad as the time I drove through philly, or worse yet, NYC.

DC beats them both hands down.
 
2007-07-26 01:21:43 PM
J. Frank Parnell

Except for the fact that most private citizens are 100% judgment proof, and even if someone were to obtain a judgment, it would never be able to be redeemed.

Examples of things not attachable by judgments -- savings accounts, your home, your cars, your books, your furniture, your pots and pans, etc.

/But oh wait LAWSUITS R SKERRY!
//Run itz tha lawyurs!
 
2007-07-26 01:21:44 PM
Crist needs to call the September special session. The end of PIP would be ugly.

/works for a FL personal injury attorney
//getting a kick out of replies, etc.
 
2007-07-26 01:21:57 PM
Fletch F. Fletch:

ahh, floriduh

how i hate thee....


You would think we would welcome the engineering creativity of someone who can not only keep a car from 1955 running with the change he gets paid with, but also turn it into a boat that holds together for 90+ miles


/sorry for the threadjack
//as you were
 
Azu
2007-07-26 01:22:17 PM
Diogenes: Azu: Clearly, though, you've never driven through a real city, which Florida lacks. And yes, while driving on I-4 through Orlando is like juggling knives, its not half as bad as the time I drove through philly, or worse yet, NYC.

DC beats them both hands down.


I just won't drive through DC. It's the only city that if I have to go in, I'm taking the train.
 
2007-07-26 01:22:35 PM
This sucks. I live in Virginia, and auto insurance is not required here either. However, if you do not have auto insurance you must pay a $500 uninsured motorist fee. Plus, Virginia is a contributory negligence state and that really sucks. I was in a car accident not to long ago where I was going eastbound and another asshat driver in a Jaguar was in the turn lane of the westbound lanes. I had a green light and he had one of those "Yield to on coming traffic when light is green" signals. Only he didn't yeild and proceeded to turn...turning right into me! He totaled my brand new, fully loaded, SUV and was found at fault for the accident. Did his insurance cover it? No. Why? Because he said, "Yeah whatever. She was speeding I guess." (I wasn't speeding though. Traffic in that section of town was moving at a crawl due to the morning rush.)Why did he say it? Because he knew that if I in some small way contributed to the accident (didn't break fast enough, threw a banana peel out the window etc.), his insurance wouldn't have to cover it. So thanks to his douchebagery, my car was totaled and my insurance rates went through the roof! Screw tort reform. What this country really needs is auto insurance reform. If an asshat in a Jaguar hits you, totals your car and gives you contusions and pain, he should have to pay for it!
 
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