Son got hit from behind

[SSMAN]

At a stop sign in Walmart parking lot an the guy flat out was not payin attention. He was 20 yrs old an no insurance. SOB!. My son is 17 an I will not file it on our insurance for obvious reasons. So I call the police just to file a report. Cop says he did not see said guy driving so he wont cite him for no insurance. So basically I am screwed for the damage. Plus the cop watched him drive away. Lol! Nice system

[slowturbocar]

Awful nice of the cop not to give him a ticket,if that was me I'd be in jail. Let this be a lesson for your son,if they don't have insurance dont bother calling the cops and just kick the guys ass.....

[Chili]

At a stop sign in Walmart parking lot an the guy flat out was not payin attention. He was 20 yrs old an no insurance. SOB!. My son is 17 an I will not file it on our insurance for obvious reasons. So I call the police just to file a report. Cop says he did not see said guy driving so he wont cite him for no insurance. So basically I am screwed for the damage. Plus the cop watched him drive away. Lol! Nice system

Why does the lack of a report / citation screw you for the damage if you weren't filing on insurance? You don't need a police report to file a small claims lawsuit.. Though even if you win there is still a good chance you won't get paid.

[lowthreeohz]

Can the cop do anything if he didn't witness it and it occurred on private property? I wouldn't think so.

[Lone Star Performance]

You should have uninsured motorist coverage which has a lower deductible and doesn't really count against you as an at fault accident.

[SSMAN]

Why does the lack of a report / citation screw you for the damage if you weren't filing on insurance? You don't need a police report to file a small claims lawsuit.. Though even if you win there is still a good chance you won't get paid.

Exactly on all points. Oh an he quit his job that same day

[Baba Ganoush]

You should have uninsured motorist coverage which has a lower deductible and doesn't really count against you as an at fault accident.

Better yet, every asshole on the road should be insured and there should be real consequenses for those that aren't.

Good advice though. I have this even on my beater without full coverage. It's a must when 1 in 6 drivers are uninsured and should be run over with their own shitbox.

[SSMAN]

Can the cop do anything if he didn't witness it and it occurred on private property? I wouldn't think so.

Private property makes it a civil matter. Which I knew that. I know I wont get paid, but I thought he would get a ticket for no insurance which would make me feel a little better

[SSMAN]

You should have uninsured motorist coverage which has a lower deductible and doesn't really count against you as an at fault accident.

Its a hit against my insurance either way. Throw in the fact he is a teenager an that makes it a no go to turn in on insurance. Does not go against your driving record, but still shows as a claim which is held against you

[The King]

I have never treated insurance as something I would hesitate to use because of the threat of premium increases.

[SSMAN]

I have never treated insurance as something I would hesitate to use because of the threat of premium increases.

I would think if the premium increase over a 5 yr period is significantly larger than the repairs are, most people would hesitate. I know there are some big ballers here that can swing it either way. But I am not one of them. Plus, lets face it, its nice not to give more money to the insurance companies. They are doing quite well

[jluv]

Its a hit against my insurance either way. Throw in the fact he is a teenager an that makes it a no go to turn in on insurance. Does not go against your driving record, but still shows as a claim which is held against you

Actually, if you have uninsured motorist, the claim won't count against you. That's the whole point of it, and the only reason to have uninsured coverage.

If you reject uninsured coverage, and get hit by someone without insurance, your comprehensive coverage will still pay to fix your shit, but that's when it counts as a claim against you.

[03mustangdude]

How do people get away with not having insurance. I got asked 4 different times thru the whole inspection-registration process they have now.

[ram57ta]

How do people get away with not having insurance. I got asked 4 different times thru the whole inspection-registration process they have now.

They go to places like Fred Loya or General, buy a 30 day policy to get inspection, registration, and drivers license test, then cancel the policy.

[Stng5Pnt8]

You should have uninsured motorist coverage which has a lower deductible and doesn't really count against you as an at fault accident.

this...

Actually, if you have uninsured motorist, the claim won't count against you. That's the whole point of it, and the only reason to have uninsured coverage.

If you reject uninsured coverage, and get hit by someone without insurance, your comprehensive coverage will still pay to fix your shit, but that's when it counts as a claim against you.

this...

They go to places like Fred Loya or General, buy a 30 day policy to get inspection, registration, and drivers license test, then cancel the policy.

and definitely this unfortunately...