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(The Indy Channel)   Bureau of Motor Vehicles: "Suspend this woman's license; she doesn't have auto insurance." "But what if she doesn't own a car? Then we'd look like idiots"   (theindychannel.com) divider line 180
    More: Dumbass, Bureau of Motor Vehicles, auto insurances  
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17340 clicks; posted to Main » on 12 Aug 2012 at 5:59 PM (2 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-08-12 02:38:03 PM  
Driver's licenses revoked, in a swing State, where polling place laws are likely to require an I.D. to be shown in order to vote, thanks to Republican dirty tricks, during a hotly contested Presidential election.

Look at how surprised I am.
 
2012-08-12 05:02:53 PM  
This happened to me years ago in Georgia. I sold my old beater and didn't buy a new one, as I was living on a bus line and worked within walking distance. Doing without a car payment and insurance really helped, too.

Two years later, I go to renew my license and am told it had been suspended for lack of insurance. When I pointed out I hadn't owned a car in two years, they rather sheepishly corrected their "mistake".

Just lucky I never got pulled over when I was driving a friend's car.

/ csb
 
2012-08-12 06:04:48 PM  
I think we should let the Government run the US healthcare system.

They clearly rock so hard.
 
2012-08-12 06:09:49 PM  
Uh, depending on the state you're required to carry insurance whether you own a car or not.
 
2012-08-12 06:13:04 PM  

Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.


Is there any reason for those states to do that? Is it legal? Not snarky, just curious (I'm British, we don't have anywhere that rule anywhere).
 
2012-08-12 06:13:50 PM  
I don't suppose they banned her from having a state ID that isn't a driver's license.
 
2012-08-12 06:14:09 PM  

Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.


[ citation needed ]

How are you supposed to buy insurance for something that you don't have?
 
2012-08-12 06:14:15 PM  
i4.ytimg.com

/Approves
 
2012-08-12 06:14:27 PM  

Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.


Insurance is attached to the vehicle and the owner, not the driver.
 
2012-08-12 06:14:51 PM  

Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.



Exactly how in the hell do you issue car insurance when the person doesn't have a car?
 
2012-08-12 06:16:02 PM  
bloobeary - Every state has non drivers license ID cards. I know you'd like to muddy things to the point that you can call this Jim Crow but it just doesn't stand up. Most people know enough about the DMV and licenses that you can't just say complete bullshiat and get by with it. Pick a topic that normal people don't understand if you want to spin.

Katie98_KT - ding ding ding you win a prize. Many states do require you to a carry non owner insurance. Having a license means you are stating you intend to drive and the state is granting you that right.
 
2012-08-12 06:16:06 PM  
I had this happen to me. I had sold my truck and was only driving a company vehicle. They just had me sign a a form that indicated I did not own a vehicle and everything was right as rain.
 
2012-08-12 06:17:50 PM  

Man On A Mission: How are you supposed to buy insurance for something that you don't have?


You can still maintain liability insurance without owning a vehicle. It's cheap and maintains continuous coverage, so when you do get a car again you don't have a gap you have to explain and end up paying more. It's also a farking goddamn racket with government support, but you know, insurance companies. That's what they do.
 
2012-08-12 06:18:00 PM  

Man On A Mission: Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.

[ citation needed ]

How are you supposed to buy insurance for something that you don't have?


No citation needed when everyone that isn't full of shiat knows the answer.
 
2012-08-12 06:18:10 PM  

Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.


NO
 
2012-08-12 06:19:55 PM  

bestie1: Many states do require you to a carry non owner insurance.


[ citation needed ]

Name the states. I cannot find a single state that requires such a policy in order to drive.
 
2012-08-12 06:20:07 PM  

bestie1: Man On A Mission: Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.

[ citation needed ]

How are you supposed to buy insurance for something that you don't have?

No citation needed when everyone that isn't full of shiat knows the answer.


In other words you don't have anything to back up your claim so LA LA LA I CAN'T HEAR YOU!
 
2012-08-12 06:20:22 PM  
Colorado
 
2012-08-12 06:21:16 PM  
It is CAR insurance, not DRIVER insurance.

farkING MORONS!
 
2012-08-12 06:21:26 PM  

bestie1: No citation needed when everyone that isn't full of shiat knows the answer.


If you can't prove your assertion, insult the person asking for proof.

/ I admit when I am wrong, can you?
 
2012-08-12 06:22:37 PM  

TOSViolation: It is CAR insurance, not DRIVER insurance.

farkING MORONS!


It's liability insurance, twatwaffle.
 
2012-08-12 06:23:43 PM  
Anyone around with Zipcar or Igo that can tell me if they provide insurance when they own the car?
 
2012-08-12 06:24:29 PM  

Mija: Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.

NO


Correct. However it is wise to carry non-owners insurance. When you borrow your friend's car or the like the insurance comes with the vehicle. However you are the driver and thus liable if you kill some child or something. If your friend has cut rate liability insurance you are the one left holding the bag. So getting a non-owner policy as a personal liability shield is a good idea (I think in many cases you can just append it onto your home owner's insurance).

Also if you don't have car insurance and rent something (UHaul, rental car, etc) you need to buy the overpriced insurance they sell at the rental place. Since you don't have your auto coverage extending to protect you when you use the rental.
 
2012-08-12 06:24:36 PM  

bestie1: Colorado


Nope, they do not require non-vehicle owners to carry car insurance.

Soure: www.dora.state.co.us/insurance/consumer/automain.htm
 
2012-08-12 06:25:39 PM  

TheZorker: Anyone around with Zipcar or Igo that can tell me if they provide insurance when they own the car?


Google: http://www.zipcar.com/business/how/whatsincluded
 
2012-08-12 06:26:11 PM  

KellyLockhart: This happened to me years ago in Georgia. I sold my old beater and didn't buy a new one, as I was living on a bus line and worked within walking distance. Doing without a car payment and insurance really helped, too.

Two years later, I go to renew my license and am told it had been suspended for lack of insurance. When I pointed out I hadn't owned a car in two years, they rather sheepishly corrected their "mistake".

Just lucky I never got pulled over when I was driving a friend's car.

/ csb


God Bless John Oxendine.
 
2012-08-12 06:27:08 PM  

bestie1: Man On A Mission: Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.

[ citation needed ]

How are you supposed to buy insurance for something that you don't have?

No citation needed when everyone that isn't full of shiat knows the answer.


I'm going to assume that you didn't see that part of Obamacare.

/ everyone must buy all the insurance; all the time

// I keed, I keed
 
2012-08-12 06:27:17 PM  

TheZorker: Anyone around with Zipcar or Igo that can tell me if they provide insurance when they own the car?


From ZipCar:
For Zipcar members 21 years of age or older, our insurance coverage consists of a combined single limit of $300,000 per accident, meaning that all third party bodily injuries, or property damage costs relating to the accident are covered in the aggregate up to $300,000. For drivers under 21, we provide coverage up to state-mandated levels, which vary by the state in which the accident occurs. The Zipcar vehicles are covered under a comprehensive vehicle collision policy.

From I-GO:
GO's fleet insurance policy covers you while you are driving I-GO vehicles. In the event of an accident for which you are at fault, you or your organization is responsible for the first $500 of damage caused to the I-GO car or other vehicles. In the event of an insurance claim, you or your organization are responsible for the first $500 of the $1,000 deductible for incidents for which you are found negligent. We encourage you to consider participating in our Damage Fee Waiver Program, detailed in the preceding question, to reduce any payments you may incur in such events.
 
2012-08-12 06:27:21 PM  

bloobeary: Driver's licenses revoked, in a swing State, where polling place laws are likely to require an I.D. to be shown in order to vote, thanks to Republican dirty tricks, during a hotly contested Presidential election.

Look at how surprised I am.



Maybe you know that the original judge in this case was a Dem not a Rep as you claim?
Maybe you'd like to comment on Virginia's finding 10,000 dead people with active voter registrations after comparing 1/4 of the Commonwealth's rolls with SS's death rolls?
Maybe the talking points have gotten stale but there's nothing new for you to attack with?
Has "hope and change" morphed into "attack and blame?"
 
2012-08-12 06:27:45 PM  

KellyLockhart: Just lucky I never got pulled over when I was driving a friend's car...without insurance


FTFY
 
2012-08-12 06:28:32 PM  

ha-ha-guy: Mija: Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.

NO

Correct. However it is wise to carry non-owners insurance. When you borrow your friend's car or the like the insurance comes with the vehicle. However you are the driver and thus liable if you kill some child or something. If your friend has cut rate liability insurance you are the one left holding the bag. So getting a non-owner policy as a personal liability shield is a good idea (I think in many cases you can just append it onto your home owner's insurance).

Also if you don't have car insurance and rent something (UHaul, rental car, etc) you need to buy the overpriced insurance they sell at the rental place. Since you don't have your auto coverage extending to protect you when you use the rental.


you're right, I can't actually find any state that requires it. Which actually surprises me, I really expected places like Md, NY, DC, VA, and CA to require it. It can be pretty common to not own a car, but drive fairly frequently (rentals, zipcars, borrowing a friend or relative's car).
 
2012-08-12 06:30:02 PM  
Colorado Vehicle Insurance Requirements

"Proper liability insurance is required to drive a car in Colorado. Since 1997, the state has maintained a database that lists whether specific individuals hold the proper amount of insurance. The aim of this program is to decrease the amount of uninsured drivers on the road and reduce the expenses caused by road accidents. This database is used by law enforcement, traffic courts, and other government agencies. So what types of auto insurance do you need?"

Ok I was wrong but:

You have to have liability to drive. The state can easily make a case that you shouldn't have a license if you don't have insurance. Get a state ID card instead. All that is happening now is the state is continuing to expand it's authority into areas that it has been granted authority.
 
2012-08-12 06:31:04 PM  
I got hit for 85.00 when I went to re-register a car I had taken off the road to repair. It ended up being a 2 year project (I'll never own a 928 again, but I will happily drive yours lol) and when I went to re-register, they hit me with 85.00 for not keeping it registered.

And yeah, we are supposedly to keep insurance even if we don't own a car.

This is GA, small Govt Republicanism at work.
 
2012-08-12 06:31:30 PM  

Man On A Mission: Katie98_KT: Uh, depending on the state you're required to carry insurance whether you own a car or not.

[ citation needed ]

How are you supposed to buy insurance for something that you don't have?



It's called a non-owners policy.

/daughter that lives in NYC has had it for years, even though she doesn't have a car.
 
2012-08-12 06:31:48 PM  
Captain_Ballbeard: God Bless John Oxendine.

At least that SOB didn't get elected governor. Not that Nathan Deal is much better. At least Nathan Deal didn't total what, 4 state owned cars?
 
2012-08-12 06:33:01 PM  

bestie1: The state can easily make a case that you shouldn't have a license if you don't have insurance.


And I can easily make the case that this is fascism - where corporate and Govt power become entangled and entwined.
 
2012-08-12 06:33:44 PM  
Also regarding the article, I have to wonder if this woman had owned a car, sell it for cash, not properly registered the title transfer, and thus get her DI yanked because the DMV showed she had a car but no insurance.

/lots of people will not properly do the title transfer due to ignorance or the desire to keep the thing off the books and they're trying keep the sale off the revenue service's radar
 
2012-08-12 06:35:50 PM  

ha-ha-guy: Also regarding the article, I have to wonder if this woman had owned a car, sell it for cash, not properly registered the title transfer, and thus get her DI yanked because the DMV showed she had a car but no insurance.

/lots of people will not properly do the title transfer due to ignorance or the desire to keep the thing off the books and they're trying keep the sale off the revenue service's radar


That would also mean the new owner is driving it unregistered (and probably uninsured).
 
2012-08-12 06:37:31 PM  
blog.ascentis.com

BTW, even if you do own and/or drive a car, you still don't need auto insurance in some states. Instead, the driver can get a surety bond that holds the money in case of an accident
 
2012-08-12 06:38:44 PM  

coffee smells good:
Maybe you'd like to comment on Virginia's finding 10,000 dead people with active voter registrations after comparing 1/4 of the Commonwealth's rolls with SS's death rolls?

How many of them have voted? How many of them died since the last time the rolls were cleared for deceased users? You need to show both of those before you can claim there is voter fraud as a result.
 
2012-08-12 06:39:20 PM  

TheGreatGazoo: Captain_Ballbeard: God Bless John Oxendine.

At least that SOB didn't get elected governor. Not that Nathan Deal is much better. At least Nathan Deal didn't total what, 4 state owned cars?


The worst one in this state is that farking John Kemp, he has used the Secretary of State's office to make it almost impossible for anybody but the "big boys" to do any sort of contracting/construction work thanks to onerous minimum net worth, insurance requirements, background checks and proof of experience, etc. And, of course, many of my customers are those who have already been ripped off by big outfits who just move on to the next kill with impunity. They fark the work up and the customer doesn't pay, they automatically get to put a mechanic's lien on somebody's house. Guess what happens to a small guy, a "renegade", when he goes to take out a lien? "Are you licensed?"

How can you get licensed when you can't do the work you need to do in order to have the pile of money needed to make Kemp think you deserve to work?

Farking small Govt Republicanism FTW
 
2012-08-12 06:39:30 PM  
Copy Paste....

"Insure your license" means to purchase an automobile insurance policy that is known as a Broad Form Named Operator, or BFNO for short. It provides liability auto insurance for all owned and non-owned autos and light trucks, but only while being operated by the person named in the policy. With this type of an insurance policy, you can drive any number of autos or light trucks, but you have to be the person behind the wheel if there is an accident. A great tool for people that own several cars and are the only drivers.

I had this type of insurance years ago because I had no car but had to drive a forklift at work. (they required a valid drivers license to operate one). Most major insurance companies carry it and the cost is reasonable.
 
2012-08-12 06:42:04 PM  
It's a penalty. No, it's a tax! Just buy the darn insurance, and an American made car while your at it. Welcome to New America.
 
2012-08-12 06:42:10 PM  

bestie1: The state can easily make a case that you shouldn't have a license if you don't have insurance.


Not really, no.
 
2012-08-12 06:45:24 PM  

dustman81: ha-ha-guy: Also regarding the article, I have to wonder if this woman had owned a car, sell it for cash, not properly registered the title transfer, and thus get her DI yanked because the DMV showed she had a car but no insurance.

/lots of people will not properly do the title transfer due to ignorance or the desire to keep the thing off the books and they're trying keep the sale off the revenue service's radar

That would also mean the new owner is driving it unregistered (and probably uninsured).


Not that shocking for the Upper Midwest. I'm a little hazy on my car selling, but I believe if she gave the title to someone and he registered it in another state, while she failed to actually let Indiana know about it, this scenario could arise. Haven't sold a car to someone out of state in decades though.
 
2012-08-12 06:45:51 PM  

incendi: TOSViolation: It is CAR insurance, not DRIVER insurance.

farkING MORONS!

It's liability insurance, twatwaffle.


I really love that word. I'm going to start using it more often.
 
2012-08-12 06:47:24 PM  

bestie1: bloobeary - Every state has non drivers license ID cards. I know you'd like to muddy things to the point that you can call this Jim Crow but it just doesn't stand up. Most people know enough about the DMV and licenses that you can't just say complete bullshiat and get by with it. Pick a topic that normal people don't understand if you want to spin.


Must be nice to live in La-La Land. I'm guessing you're a Republican. Amirite?

Link
 
2012-08-12 06:47:27 PM  
In Texas you have to pay for insurance whether you own a car or not. No car insurance--no license renewal, even if you have no car.

I found that out the hard way: They tripled my rate, simply because I let my policy lapse; since I didn't own a car at the time, I saw no reason to buy insurance.

Bad mistake.

Modern businesses calculate they have a "right" to make money whether they work or not, and by and large the legal system supports that notion.
 
2012-08-12 06:49:00 PM  

ha-ha-guy: Also if you don't have car insurance and rent something (UHaul, rental car, etc) you need to buy the overpriced insurance they sell at the rental place. Since you don't have your auto coverage extending to protect you when you use the rental.


I always thought that was the case, but I just did a rental from Penske in Illinois, and all they asked for was my DL and a credit card, no proof of insurance requested.
 
2012-08-12 06:49:25 PM  
coffee smells good:

Maybe you'd like to comment on Virginia's finding 10,000 dead people with active voter registrations after comparing 1/4 of the Commonwealth's rolls with SS's death rolls?
Maybe the talking points have gotten stale but there's nothing new for you to attack with?
Has "hope and change" morphed into "attack and blame?"



citation please

If this is true then it blows another big hole in the "there's no voter fraud anywhere in the US (except Chicago) and it's all a bunch of racists calling for voters to show an ID" talking point the dem party throws out.
 
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