No insurance? Don't DRIVE!

[freeplease]

We were hit by a woman driving through the parking lot at Lowes. Not down the lanes, like normal people, through the lot. Going pretty darn fast, too. Anyway, she plows into us, has the nerve to give us a look like, why did you do that??? And then got really nervous when my husband called the police.

Turns out, she has no insurance, her registration has lapsed, and she doesn't have two nickels to rub together. All the police did was site her for no insurance. Since it was private property, he said he didn't even have to do that.

We got a letter from our insurance company, they've turned her over to a collection agency. Fat chance we'll ever see our deductable on this one.

Bottom line, if you drive like a crazy person, have insurance. If you don't have insurance, don't drive.

Thank you, drive thru...:gaah

[gmyers]

Thats what happened to my sister. They bought their first new car and didn't have it a few months when a woman ran into it and totalled it. She didn't have any insurance.

[atprm]

that's why I live in Michigan -- the no fault state... each person's insurance takes care of their own.

[freeplease]

The worst part is her car had very little damage. A 1985 Ford Escort, built like a dang tank. Her front passenger side light had a slight crack. Our Accord was in the shop for a week.

I'd really like to see the old biddy walking along the highway, picking up cans, to make restitution. In a perfect world...

[SLance68]

that's why I live in Michigan -- the no fault state... each person's insurance takes care of their own.

Florida is a no fault state also but if the other party gets ticketed then your insurance company can go after their insurance to be reimbursed for the claim. Which is what the OP's insurance company did by sending it to collections against the other party.

[cabby92]

I think if you get caught one time driving without insurance your license should be suspended for a year. No exceptions. Get caught a second time and lose it forever. I've had enough of paying extra to makeup for the deadbeats that choose not to follow the rules. If you can't afford insurance move to the city and take the bus.

[tngirl]

Well, I am not a dead beat and at this time I do not have insurance. That is one of the things that lapsed due to financial woes. Of course, as soon as I get the money, it is getting put back on the vehicles. My biggest worry isn't that I will hit someone, but that someone without insurance will hit me. As for taking public transportation, I do live in the city and no way will I take the bus. I work 25 miles away and it would take me a couple of hours to get to work and home again. Plus, I am always having to transport for equipment for work...kind of hard to do on a bus. I basically drive to work and home and to the corner grocery.

I don't believe it is fair to call those without insurance dead beats. That is a rude assumption that everyone without insurance would not be willing to take responsibility in case of an accident or that they do not have insurance because they are irresponsible.

[Quaker_Parrots]

Depending on the state you live in, if she doesnt pay for your accident, she could have her DL revoked, especially since she was sited for no insurance.


The worst part is her car had very little damage. A 1985 Ford Escort, built like a dang tank. Her front passenger side light had a slight crack. Our Accord was in the shop for a week.

I'd really like to see the old biddy walking along the highway, picking up cans, to make restitution. In a perfect world...

[keoka3]

My van has been parked since last Dec, and just now canceling the insurance on it, it has 3 flats and no battery, can't afford to drive it, been driving my aunts car who lives next door, who has full coverage. Would sell the van if I could get the tires fixed and find the title, but these crazy drivers around here I would be afraid to drive without insurance, and especially me when sometimes I don't even know where I am going or what I am doing.

[Shann]

that really sucks, people drive like maniacs around here and I'm always worried that one of them w/o insurance will hit me and I'll be left footing the bill and then my insurance rates will rise b/c they cannot properly drive. If the day came where my car didn't have insurance that would be the day my car is parked until it was covered... I just couldn't take that chance.

[Willow]

Sorry that happened to you. It's illegal around here to drive an uninsured vehicle so that woman would be getting more than a citation if she lived in this state.

[tngirl]

Sorry that happened to you. It's illegal around here to drive an uninsured vehicle so that woman would be getting more than a citation if she lived in this state.
Here, they cite you and tow your car. But, my brother did get a warning and had to go to court to prove he got insurance.

Believe me, I do NOT feel comfortable driving without the insurance, but considering at the moment mine is the only income, don't think it would be feasible to "park" the van.

[Willow]

Here, they cite you and tow your car. But, my brother did get a warning and had to go to court to prove he got insurance.

Believe me, I do NOT feel comfortable driving without the insurance, but considering at the moment mine is the only income, don't think it would be feasible to "park" the van.

Oh I wasn't saying anything against you. :) It's just that around here the police are real sticklers about things like that. lol

[tngirl]

Oh I wasn't saying anything against you. :) It's just that around here the police are real sticklers about things like that. lol
I didn't think you were, I was just using your statement as a "follow up".

[Willow]

I didn't think you were, I was just using your statement as a "follow up".

Oh good. :)

[cabby92]

Driving without insurance means you not only take a chance on your financial future but also the financial future of the other people on the road. It's not right at all.

[CLARKS4]

Hubby was hit one time by a lady that didnt have a DL. The car she was driving was insured by her hubby but didnt want to cover cause she was driving. Our insurance company went after them and won.

My Dad was hit in walmart parking lot and the cop wouldnt do anything about it cause its private property. I think thats crazy. It looks very public to me. LOL

[tngirl]

Driving without insurance means you not only take a chance on your financial future but also the financial future of the other people on the road. It's not right at all.
NOT driving while I do not have insurance means I have NO fiancial future.

[Char]

That bytes... and too many of these people get by with that stuff.

My nephew was hit by a woman (rear ended, so, it was obviously her fault), the police sited her for rear-ending him, failure to maintain control I think it was... but, lol, the next day, my nephew called her insurance (from the police report and her insurance card she showed the police), and, they told him, Oh yea, she had got insurance, was mailed her cards, then she called and canceled it ! So, she paid it to get the cards saying she had insurance for a year... then, called, canceled it, and got a refund ! So, my nephew called the police, told them that she really didn't have insurance... and, they said there was nothing they could do about it !! WHAT A CROCK OF SCHITT ! She is knowingly pulling off FRAUD - and, there's nothing they can do about it. What a load of BS !

We have manditory insurance laws here too.

[bears984]

wow must not be oklahoma because if you don't have insurance here you also do not have a DL.

[April78945]

I got hit by a cop once, off duty and in his own car, who didn't have insurance or a valid sticker on his car. He walked. I got hit with the deductable. Not quite sure how it even happened, I was in a parked car and he hit me. Nice huh?

[Unicornmom77]

Sometimes that happens, if it comes to paying my rent or food over keeping insurance you bet you ass I would let the insurance go.

I am sorry that happened to you OP, when we had to drive without it we were VERY limited to where we drove, it was to work and thats it, we got rides or took the bus to go to the store. Where we live now there is no bus system, but we could use a cab if we had to, but I am proud to say I have insurance currently!

[littlered1]

I was in an accident about 20 years ago and didn't have insurance, trust me you don't want to do it... I am still feeling the hurt of it. I will always have to have the FR filing on my driver's license, that shows if I don't have insurance, I don't drive. FR means financial responsibility. My insurance lapse.. my license is gone immedietly.

Live and Learn!!!!

[LuvBigRip]

I'm sorry if this seems harsh to anyone who does not have insurance, but in all honesty that is one of those things you should not allow to lapse. Ever. If you do not have it, get off the damn road. I know in most states insurance is required and loss of license is a penalty. For those of us in Western and Southern states fear of being hit by an unlicensed and uninsured illegal is bad enough, but add to the mix citizens who don't have it, it is downright scary.

The chances of ever recouping thousands of dollars of damage to your car, let alone what could end up being huge hospital fees if you are badly injured is next to impossible if someone cannot afford even basic insurance coverage.

If you cannot afford to operate your vehicle legally, then you cannot afford to operate it period. It is no less important than general maintenance on your vehicle.

I know it gets tough financially, however, insurance is NOT a luxury it is a responsible necessity not only for you, but your fellow drivers on the road. If you cannot afford it, carpool, take a bus, or cut out a luxury rather than insurance. Flame me if you want, but I gurantee you that your hard luck story would not beat the situation I was in and yet managed to pay for my insurance. It is the only responsible thing to do. JMO

[tngirl]

Oh, ok, I have seen the light!!!

I am going to park my van and not drive. I will call work and tell them that I can't be to work until I can afford to get my insurance back. Oh wait, I will never get back to work because I won't have any money to ever get my insurance. Oh, and then I also won't have money to pay my mortgage, my utilities. I guess it is a good thing that I own a van, I can live in it. Of course, don't know if I would have room in there for my hubby or sister. Oh well, I guess I will kick them to the curb, I mean, I am an irresponsible person after all.

I do my best to live up to ALL of my responsibilities. Right now, as important as it is, my insurance was one of the last things to go to the wayside in my non-existant budget. When I have the money, yeah, the insurance goes back on the vehicles...oh wait, that is if I can keep one of them from getting repo'd on me. Of course then I would have to worry about having insurance on it would I?

Don't even pretend to know what is going on in my life at this moment. Or to say that I am being irresponsible. Yeah, in theory the right thing to do would be NOT to drive. But, in reality, that isn't going to happen. I have to work and I have to drive to get to work. Kind of a catch 22 there wouldn't you say? I don't feel guilty about it in the least. I am living up to my responsibilities. It is easy for some to say they wouldn't drive their vehicle if it didn't have insurance, they don't work so it is no biggie for them.

[cabby92]

If an uninsured person were to have an accident, even if they were driving carefully, say the brakes went out, and they hit someone, how would they possibly justify that? The other person is out their deductible, plus loss of value, work time, etc. The uninsured person's financial problems can impact someone else that had no say in their decsions. No matter how you spin it there is no justification for putting others at risk.

A dar friend of mine bought a new car in November. It was a struggle and took lots of saving up for the down payment. In January she was hit by an at-fault, uninsured driver. Her car was totaled but of course the big piece-of-crap truck he was driving was able to be driven away, while she was hauled off in an ambulance.

Her uninsured motorist paid for her car, that is, the depreciated value of a two month old car. By the time she paid off her note, paid her deductible, paid the medical costs insurance didn't cover, time off work for her and her husband and a bunch of other little things, plus getting a new car, she is out over 4 grand. Why? Because someone else didn't think it was necessary to have car insurance.

[tngirl]

I never said it wasn't necessary. I am just saying that some people don't have a choice. Big difference there.

[dv8grl]

Our insurance for 2 cars cost us a $2.93 a day.

I'm sure if you told your employer that you had no coverage., they could possible give you a very slight raise, that could at least get you enough for minimum coverage.

[cabby92]

I could work a few hours a week at a part time job and pay for insurance on our vehicles. I would do it if it came to that.

[freeplease]

All it takes is one accident, and your whole life changes. Times are hard, I understand. Money is tight, believe me, I understand. But there are state sponsored insurance plans out there. Minimum coverage. Enough to cover if and when an accident happens. That's why they're called accidents. you can't plan for them. They just happen. Somebody has to pay the bill.

[tngirl]

Let's see, I work for commission only, so nope, no raise in my future unless I raise the prices on my customers...yeah, that ain't happening. And besides, how many employers do you know that really care what your bills are? How many would actually give you a raise because you can't pay your bills?

A part time job? I am 47 years old, I have CT and a bad back and I already work a 40+ kick my arse week, yeah, a part time job. I work basically 3 jobs already. I work at one clinic T-F, another clinic Mon and most saturdays, and I work from home also on Sat afternoons and a lot of Sunday's.

My husband just had heart surgery and is off work. They added like 20 meds to his already long list (yes, an exaggeration...but there are lots of meds). Last weekend I was out $100 for that plus this weekend I will be out about the same on more of his refills. We already have over $40,000 in medical bills that we are already being hounded about and we haven't even gotten the hospital bills yet. The doctors have to be paid or else they will NOT see my husband for his follow up care. Yeah, we don't have medical insurance either, guess that is irresponsible on our part also.

I support my sister that has Lupus and pay her medical bills and drugs.

My pay basically covers the mortgage and utilities and food. My cupboards are about bare at the moment and what is there has to be stretched to make until friday. I have about $20 in my pocket and I still have to put gas in my van to make it back and forth to work this week and like I said, my trip is 25 miles one way, so how far do you think $20 is going to get me? I eat peanut butter and crackers for a meal so I can ensure that my husband has decent meals to eat because he is also diabetic and has to eat and can't skip meals, so I do it instead. I could go on and on about my financial situation, but it is not really anyone's business.

So, please, you can keep your financial advice to yourselves. I actually know how to handle my money and what bills have to be paid, problem is, there are more bills than money. So, the car insurance has fallen to the wayside when it comes to priorities. As you can see, I am NOT an irresponsible person, I am just hung out on the end of a rope hanging by a thread.

Oh, and I could get rid of my internet, but you know what? This is probably the only thing that helps me keep my sanity, being able to talk to my friends that never fail to lift my spirits, so in a way, the internet is a necessity for me.

[LuvBigRip]

Sorry, internet is not a necessity. Period. Insurance is and no matter your story you will never change the minds of those people who believe it is irresponsible.

If you are so far in the hole already there is no way you could ever pay the bills for a car/body you damage if you hit someone. I know in many states, if you have no insurance and you are in an accident, even if you are not at fault, you are at fault because you have no insurance.

You CHOSE to respond in this thread and flat out admitted you have no insurance, so don't be suprised when people who have had their lives affected, or the lives of those they care about destroyed due to an uninsured driver.

[tngirl]

I am saying the irresponsibility on my part would be to let go of the responsibilties I have to those around me. So, what is your solution to the problem? I stop going to work?

Ok, I will call the boss and tell them, "sorry, can't make it to work because I have no car insurance". Yeah, that will go over with them really well.

And, I am the only one that had the guts to come in here and state that I have no insurance....lol.

But, you guys don't know it all and your opinions aren't the only ones out there. Yeah, we all have them, I am just stating to you that there are excruciating (and I mean excruciating) circumstances in some peoples cases. Each payday I say I am getting the insurance back, but something comes up that it gets put off until the next payday.

If you are all so concerned about me driving around with no insurance, wanna pay it for me?:lol

[cabby92]

Well, I am not a dead beat and at this time I do not have insurance. That is one of the things that lapsed due to financial woes. Of course, as soon as I get the money, it is getting put back on the vehicles. My biggest worry isn't that I will hit someone, but that someone without insurance will hit me. As for taking public transportation, I do live in the city and no way will I take the bus. I work 25 miles away and it would take me a couple of hours to get to work and home again. Plus, I am always having to transport for equipment for work...kind of hard to do on a bus. I basically drive to work and home and to the corner grocery.

I don't believe it is fair to call those without insurance dead beats. That is a rude assumption that everyone without insurance would not be willing to take responsibility in case of an accident or that they do not have insurance because they are irresponsible.


Bolding mine, but that sort of says it all.

[LuvBigRip]

And what will you do for those around you if you are in an accident and have even more expenses piled on top of you? It is been my experience that people involved in accidents that cannot pay for them file for bankruptcy protection. Protecting themselves and their loved ones, totally screwing the person who followed the law, followed the rules. While you may be willing to accept responsibility if you are in an accident, you are in no position to do so, and those around you are not either.

[ahippiechic]

My DH rides the bus for over an hour to get to work, and also has to change buses once on the way, carrying a bag with all his Kevlar gear in it. Would he rather drive? Of course, but we can't afford a car + ins right now, so we don't have one.

Most people who can't afford ins can't afford to pay for the damage to someone's car if they do have an accident.

[Bahet]

Keep the internet, just get a free dial up service. Your sister and your DH should be eligible for Medicaid if you make so little that you can't afford to eat more than peanut butter crackers. Get a different job if you have to since obviously you aren't making much more than minimum wage on commission if you put in all those hours and still have to survive on crackers.

I deal with people in financial trouble al the time. There are very few people in the world that I cannot save $3-5/day from their budget. I doubt that you are one of those few. There are literally hundreds of ways to save a few cents every day. It might not sound like much but it adds up fast.

Raise your thermostat a degree in summer and lower it a degree in winter and you can save as much as 20% off your bill. Keep your blinds closed in summer. Put rolled up pants along your window sill in winter. Cover the windows with that sheet plastic or even blankets to keep the cold out in winter. Lower the temp on your water heater. Use rain water to water your yard. Buy clothes at garage sales. Get rid of cable/satellite tv service. Get rid of high speed internet service. Get rid of the cell phone. Don't eat out. Don't order in. Don't use convenience foods. Keep your freezer full (not too full) using bottles of ice water if necessary. Close off rooms that aren't used and close the vents in them. Get books and movies from the library for free or borrow from friends. Cancel magazine subscriptions. Call and ask your creditors for lower interest rates. Unplug tvs/computers/ small appliances with digital clocks (such as a coffee maker) when not in use (they use electricity even when turned off.) Stop smoking. Stop drinking. No junk food. No bottled water.

I could go on and on. I'm not saying you do/have all those things I'm just giving examples of ways to find $3-5/day in even he tightest of budgets. Incidentally, IME, people who complain about not having money typically have money, they just don't spend it wisely and prioritize very poorly. They may not be rich but they aren't nearly as poor as they say they are.

[mosdata1]

Well, I am not a dead beat and at this time I do not have insurance. That is one of the things that lapsed due to financial woes. Of course, as soon as I get the money, it is getting put back on the vehicles. My biggest worry isn't that I will hit someone, but that someone without insurance will hit me. As for taking public transportation, I do live in the city and no way will I take the bus. I work 25 miles away and it would take me a couple of hours to get to work and home again. Plus, I am always having to transport for equipment for work...kind of hard to do on a bus. I basically drive to work and home and to the corner grocery.

I don't believe it is fair to call those without insurance dead beats. That is a rude assumption that everyone without insurance would not be willing to take responsibility in case of an accident or that they do not have insurance because they are irresponsible.


When I worked outside of my home, DH & I both took public transoportation. We had 3 young children, & would take them to the babysitter in the AM, walk to the train, where DH would have a 45min - 1 hour commute & I then had a 1 1/2 - 2 hour commute. It was a real pain - in the winter I would be cold & in the summer I was sweating like crazy. Was this the best situation? No, but you do what you have to.
It would probably also save you money not buying gas & taking the pubic transportation. When transfering equipment for work, could you use a company vehicle? If not, maybe you should do less hours for this company & try to find a job with a different company that either has co cars that you can use during company time, or a job that would not require you to make deliveries. I know that jobs are very hard to come by, I don't think you can walk out your door & find something that will pay you well, but this job is not meeting all your needs so maybe you can find something better.
In one of your other posts, you made mention of 'cars', could you sell one? That would reduce the number of cars you have to insure from 2 ot 1. Also, here in FL, you can't register your car unless you have insurance. So you will probably not be able to renew your car's registration. Not only can you get cited for that, if stopped, but you could also be arrested. If this happens, then there won't be anyone to help your DH or sister.
Call the bank that you are financing your car with - ask them to defer a payment or two. You have to realize that if they find our you hdon't have insurance, they can come and repo your car for not follwing through on your obligation to carry insur.
Also, call soc services & see what you qualify for. Your sis, should be able to get SSI, so should your DH. They have many programs to help with utility bills (LI HEAP is one), you should also qualify for food stamps. Visit your local food pantry.
Lastly, there are some decent bosses out there who might be willing to give you an advance on your salary & let you pay it back slowly.
Please try to find an alternative.

[meltodd69]

I was rear-ended in a McDonalds Drive-thru by a guy who was drunk. He gave the officer false information, and the officer didn't do a thing about him being drunk. Let the guy just drive-off! Of course my insurance offered to fix our truck and then go after him. Here in Ohio if there are damages they will take the persons license until it is paid. No matter how long it takes.

I did go to the police station and informed them that all the info that guy gave them was bogus. You know what they told me? Apparently it is not against the law to lie to a police officer! That was new to me. My husband asked the cop if he even checked him for DUI and he said he didn't think he was drunk enough! What the H%&(*! We got very upset with this officer and told him he was incompetent and tried to leave. Then the officer stepped in my husbands way when we were trying to leave, and told DH if he touched him it would be assult! I almost crapped, thought DH was really gonna go off.
Question for anyone who might know? I filed a citizens complaint against this officer. I have never heard a thing about it. I think his supervisor threw it away and it never made it to the chief's desk. I kept a notirized copy though. His supervisor tried to tell me that that officer hasn't been trained in detecting a DUI. Now I know that is basic training. I have been thinking about going and talking to our Mayor about this. What do you think? I should of at least got an apology for this officers actions.
Plus this guy is still driving. It doesn't really matter if they take someone license, they will drive anyway.
And as far as not being able to afford insurance, we can't afford it either. But we have it! We don't have health insurance but we have car and house insurance. Thank-goodness too, I just got one of the random requests from the state to mail in my proof of insurance. If you can't afford insurance then you shouldn't be driving! How do you put gas in your car? I am sooo glad our vehicles are paid off now and we only have to have basic insurance. Liability insurance is not that much. We pay less than $50/mth for two vehicles and DH has CDL.
If you can't afford car insurance than DON'T DRIVE!!!! NO EXCUSES!!!! You can afford to pay for internet obviously. And probably have a cell phone too. Cancel them and you can afford car insurance!

[peaceluver]

Oh I am so sorry you are going through this. I also think if you drive you need to have insurance. We have been stuck more then once in this situation.

[iluvmybaby]

When I worked outside of my home, DH & I both took public transoportation. We had 3 young children, & would take them to the babysitter in the AM, walk to the train, where DH would have a 45min - 1 hour commute & I then had a 1 1/2 - 2 hour commute. It was a real pain - in the winter I would be cold & in the summer I was sweating like crazy. Was this the best situation? No, but you do what you have to.
It would probably also save you money not buying gas & taking the pubic transportation. When transfering equipment for work, could you use a company vehicle? If not, maybe you should do less hours for this company & try to find a job with a different company that either has co cars that you can use during company time, or a job that would not require you to make deliveries. I know that jobs are very hard to come by, I don't think you can walk out your door & find something that will pay you well, but this job is not meeting all your needs so maybe you can find something better.
In one of your other posts, you made mention of 'cars', could you sell one? That would reduce the number of cars you have to insure from 2 ot 1. Also, here in FL, you can't register your car unless you have insurance. So you will probably not be able to renew your car's registration. Not only can you get cited for that, if stopped, but you could also be arrested. If this happens, then there won't be anyone to help your DH or sister.
Call the bank that you are financing your car with - ask them to defer a payment or two. You have to realize that if they find our you hdon't have insurance, they can come and repo your car for not follwing through on your obligation to carry insur.
Also, call soc services & see what you qualify for. Your sis, should be able to get SSI, so should your DH. They have many programs to help with utility bills (LI HEAP is one), you should also qualify for food stamps. Visit your local food pantry.
Lastly, there are some decent bosses out there who might be willing to give you an advance on your salary & let you pay it back slowly.
Please try to find an alternative.

Unless tngirl lives in a LARGE town such as Memphis, Nashville, Knoxville here in TN there is NO public transportation. Gatlinburg has public transportation, but it is VERY unreliable because of traffic does not allow them to work on time. I live in rural TN and I drive a half hour to get groceries, pay my bills, and to even get a hamburger. NOTHING is in within walking distance, period. There no public transportation

[msginna]

I have had times where we didn't have insurance and I was so edgy during those times as well. I was trying to be perfect yet I was always affraid of the next driver and what he could do to me. I was in an accident in march. I was rear ended on the freeway and my car was totalled. I had just gone from full coverage to liability a week before!!!!!! well I still got a check from her for my car (didn't get what it was worth though in my opinion) and I got my medical paid for. I really wished I had full coverage though but things went ok without it. I CAN'T amagin how things would have went if I didn't have it or if the "lady" who crashed into me would not have had it. I would be in a lot of trouble either way, like life changing trouble. I so wasn't expecting to get hit and it wasn't my fault at all, you can't predict these things. After getting hit I realized I will never drive without insurance, ever, I just don't think that risking my families well being is worth it. I might be bad off at times by having it but my family is worth it.

[Mom2-3boys]

.
Call the bank that you are financing your car with - ask them to defer a payment or two. You have to realize that if they find our you hdon't have insurance, they can come and repo your car for not follwing through on your obligation to carry insur.


I was thinking the same thing our one vehicle is financed and our insurance company faxes the paid receipt to the credit union every month to show we carry full coverage insurance.

[stresseater]

I am with TN on this one. Although I have insurance presently. I just got it and the car died three days later, hey it's dead but it's insured. LOL I think it is the biggest waste of money. I think if the driver was to pay for insurance on their car only it would work out better. They may also be more inclined to be more careful if THEY (and their insurance) had to eat the cost. Chaps my @ss to have to pay a big old honkin bill because someone else may be too stupid to drive.

[ahippiechic]

Unless tngirl lives in a LARGE town such as Memphis, Nashville, Knoxville here in TN there is NO public transportation. Gatlinburg has public transportation, but it is VERY unreliable because of traffic does not allow them to work on time. I live in rural TN and I drive a half hour to get groceries, pay my bills, and to even get a hamburger. NOTHING is in within walking distance, period. There no public transportation

From her post...

"As for taking public transportation, I do live in the city and no way will I take the bus. I work 25 miles away and it would take me a couple of hours to get to work and home again. Plus, I am always having to transport for equipment for work...kind of hard to do on a bus."

[tngirl]

I just want to say that I DO understand everyone's concern about uninsured drivers...trust me, I do. What I take exception to is the fact that because of one detail, I am considered to be an irresponsible individual when in fact, I am not. I did not point out some of the brickwalls in my life at the moment in order to get sympathy or anything of the such...or am I in need of financial advice. I was just pointing out the fact that I am NOT an irresponsible person.

And, no, neither my sister nor my husband qualify for Medicaid. My sister doesn't because she doesn't meet the criteria for TN Medicaid, my husband doesn't...even though he meets the criteria...because of my income. The problem at the moment isn't that I don't make decent money, I do and I am not complaining about that. The problem is that our income has been split in half over the past couple of months, but the bills remain the same. While the hubby is working we are comfortable. Unfortunately, I had just gotten to the point of catching up after his layoff and was going to be able to start building our savings back up, but I did not have that chance because of his surgery.

They have both applied for SSI & Disability, my sister is in the "appeal" process and my hubby was turned down for SSI, once again because of my income. Even though the examiner says that he is eligible for the disability, because of the surgery they are holding the case for 3 months. Until then, I have to cover the medical cost and all of the bills with just my income.

So, it is just a matter of being caught between a rock and a hard place at the moment and playing a juggling act and unfortunately, there have been somethings that have fallen to the wayside. It is what it is. But, like I said, I just didn't appreciate the assumption that because I do not have insurance that means that I am a totally irresponsible person. I have been driving for 30+ yrs and thank God I have not had any tickets or accidents in all of that time. I do not tailgate and I drive the speed limit. I give plenty of stopping time for lights and intersections and even slow down when i have the right of way.

And, for those of you concerned, I am hoping to be able to get the insurance back on both vehicles this coming payday, if no unexpected emergencies or castastrophes occur.

[tngirl]

From her post...

"As for taking public transportation, I do live in the city and no way will I take the bus. I work 25 miles away and it would take me a couple of hours to get to work and home again. Plus, I am always having to transport for equipment for work...kind of hard to do on a bus."

Big difference between me and your hubby hippie. I cannot bring myself to ride the bus with all the riff raff that utilizes Memphis's MATA system. Plus, I don't know how much your hubby's bag weighs, but my equipment bag weighs close to 50 lbs when loaded, my dryer weighs about 20 and then there is always the table I have to carry.

[SLance68]

Also, here in FL, you can't register your car unless you have insurance. So you will probably not be able to renew your car's registration. Not only can you get cited for that, if stopped, but you could also be arrested. If this happens, then there won't be anyone to help your DH or sister.
Call the bank that you are financing your car with - ask them to defer a payment or two. You have to realize that if they find our you hdon't have insurance, they can come and repo your car for not follwing through on your obligation to carry insur.

Actually in FL they will add a Big old Fat insurance policy onto your account and get this it ONLY covers the banks interest in the car - if you get hurt while insured on their plan you are out of luck and you still have to pay the insurance plan. If you are stopped they can issue a ticket for not having a insurance card and you would have to prove that you had insurance at the time of the citation. If you don't have insurance then you will get a big fine and will be required to carry full coverage (even if your car is paid for) for a period of three years and your insurance rates will double or triple. As for registering your car you do have to show proof of insurance. Some people try to buy the insurance and then go register the car and cancel the insurance - which is why in FL you must put a 35% down payment on any new car insurance policy - unless you are adding it to a existing policy or plan you already had in place.

[atprm]

I think if you get caught one time driving without insurance your license should be suspended for a year. No exceptions. Get caught a second time and lose it forever. I've had enough of paying extra to makeup for the deadbeats that choose not to follow the rules. If you can't afford insurance move to the city and take the bus.

well thankfully you aren't our governor.

I do not have car insurance presently because we simply can't afford it. HOWEVER, I did sign a liability waiver and pay an extra $800 when I got my tags so that the state was aware I had no insurance.

Yes, it was cheaper than getting insurance, which runs over $1100 for our county for basic PLPD. Collision and Comp, obviously you pay through the nose.

I am not a deadbeat either, but thanks for your concern.

[atprm]

I could work a few hours a week at a part time job and pay for insurance on our vehicles. I would do it if it came to that.


lmao... not in Michigan you wouldn't.

You would need a part time job working forty hours to pay for basic no coverage insurance here.

[ahippiechic]

Big difference between me and your hubby hippie. I cannot bring myself to ride the bus with all the riff raff that utilizes Memphis's MATA system. Plus, I don't know how much your hubby's bag weighs, but my equipment bag weighs close to 50 lbs when loaded, my dryer weighs about 20 and then there is always the table I have to carry.

it weighs a little over 60 lbs with the Kevlar.

And I just back from riding with the 'riff raff' and a drunk old homeless guy even offered to share his sandwich with me. :D

[tngirl]

Okay, I am a deadbeat, irresponsible piece of crap that is too good to ride the public transportation with the drug heads and whores. My bad. Ya'll have a great day!!

[atprm]

after going through all the posts on this thread, most of you should be thankful that you don't live near me, because now you know I do not carry car insurance...and most of you would literally have a stroke if you had to buy any insurance in this state.

Yes, it is THAT high. I live in a city and there is no public transportation at all...the taxpayers voted against it. Now that said, I would move to a bigger city except the housing crisis in this state is so phenomenal that it would be more beneficial to just burn the house down to the blocks -- but then I wouldn't need car insurance at all because I would be in jail for arson.

It's bad enough for car tags, which if you are not from Michigan, lemme tell ya how much racket this is...

no matter how long you have had your car, or when you purchased it... your tags are based on the MSRP of when the car was sold brand new!

So, for my 1999 Ford Windstar which we bought in 2004 -- our tags are $205 a year...for my 1994 Chevy Lumina, which I bought this year -- our tags are $198 FOREVER.

Yeah, I will just pay my $800 a year and be done with it.


I think that they should make EVERY driver take a road test and written test EVERY YEAR and that licenses should be renewed every year....even elderly -- because they are worse on the roads than teenagers (and sometimes drunks)

[iluvmybaby]

Big difference between me and your hubby hippie. I cannot bring myself to ride the bus with all the riff raff that utilizes Memphis's MATA system. Plus, I don't know how much your hubby's bag weighs, but my equipment bag weighs close to 50 lbs when loaded, my dryer weighs about 20 and then there is always the table I have to carry.

No but you are just irresponsible, I lived in Memphis and when i did I road the buss and I am not a crack head or a whore, if you get stopped there they will tow your car and give you about $1000 in fines plus impound fees to get it out of the impound lot, and possibly use your license. As long as you ride it in the daytime why are you so scared?

[whatever]

our neighbor guy (who is now deceased) got hit by an ILLEGAL mexican with NO license. no INS etc. The cop could NOT do anything to her since it was in a parking lot.It threw him over the hood of the CAR for gosh sakes!! so if he had been injured he would have had to pay for EVERYTHING!!
this is another reason I HATE ILLEGALS!!
They get AROUND the law!

[ElleGee]

In RI you need insurance before you can register your car.. When we first moved here I was in downtown Providence and got backed up into by a HUGE ford truck. I had a 1994 Dodge Stealth , which is really low to the ground.. Took out my front drivers fender.. Turns out the guy who hit me lives 4 houses up the street from me (not that it matters , That's how I met our neighbor heh)

I had no issues because it was obvious he was at fault...

I was really against the mandatory insurance when they made it law in the early 1990's. Now that I am older I can see why it's needed andmake sure I am covered (since I have a new car) for almost everything. Except theft. But I don't really need to worry about that. I have 'other' insurance if it tries to get itself stolen out my driveway *evil grin

[tngirl]

No but you are just irresponsible, I lived in Memphis and when i did I road the buss and I am not a crack head or a whore, if you get stopped there they will tow your car and give you about $1000 in fines plus impound fees to get it out of the impound lot, and possibly use your license. As long as you ride it in the daytime why are you so scared?
Ummmm, did you bother to read the post that you quoted? Duh!

And, I live in Midtown, you know, MIDTOWN. If you lived here then you would know. And, hey, I agreed with everyone. I am an irresponsible person that needs to be run over by an uninsured driver because that is the punishment I deserve for being irresponsible and not living up to life's responsibilities....blah, blah, blah.

Why don't you come and carry my stuff around for me? Huh, think it is all that easy. And besides, I have anxiety phobias that I deal with on a daily basis and stay a functioning human being that takes responsibility for my family and my bills without sitting around freaking crying because I can't get SSI when I am still able to work.

I am happy for you all that are financially up to date on everything. Hate if you all hit a very bad spot in life, Lord forbid, at least mine is a temporary one. When you do, then come to me and tell me how irresponsible I am and how I should handle my finances.

[snaeger07]

I bet you a lot of people especially now a days don't carry insurance on their cars - the basic living expenses are to high.

I understand that we are trying to have a decent life that's why we order freebies, it tops off our day knowing we are at least going to get a break with something whether its a sample pack of shampoo or a roll of toilet paper.

[freeplease]

Times are hard, but when you get hit by someone without insurance, it isn't right that YOU have to cover the deductible to get your car fixed.

WE didn't hit anyone. WE got hit by someone without insurance. WE had to pay to get our car fixed. Luckily, we have insurance, and had the money to cover the deductible. But it isn't right that the woman who hit us is still driving, hopefully not hitting and maybe hurting a family driving to Lowes the next time.

Even the worlds best driver can't guarantee they won't have an accident. That's why they aren't called plans. They're accidents. And they cost plenty.

[sunniekiss]

Sorry to hear that you have so much to deal with. Hopefully things will turn around for you sooner rather than later.
As for me, I would be just too plain scared to drive uninsured. I would feel like I am driving around with a huge red sign shouting "UNINSURED" on my car.
best of luck.

[LunaChick]

In RI you need insurance before you can register your car.. When we first moved here I was in downtown Providence and got backed up into by a HUGE ford truck. I had a 1994 Dodge Stealth , which is really low to the ground.. Took out my front drivers fender.. Turns out the guy who hit me lives 4 houses up the street from me (not that it matters , That's how I met our neighbor heh)

I had no issues because it was obvious he was at fault...

I was really against the mandatory insurance when they made it law in the early 1990's. Now that I am older I can see why it's needed andmake sure I am covered (since I have a new car) for almost everything. Except theft. But I don't really need to worry about that. I have 'other' insurance if it tries to get itself stolen out my driveway *evil grin

That's how it's here where I live. You have to have insurance to buy a car from a dealership (obviously a private owner doesn't count here) and to register the vehicle. I was at a point where you are TN. I lost my car because I wasn't able to afford insurance. I had let it slide and got a parking ticket and the next thing you know, I got a notice telling me that my vehicle was going to be impounded unless I could pay. When I saved money to buy another car, I got the insurance on the spot.

I feel for you. I've been where you are.

[tngirl]

That's how it's here where I live. You have to have insurance to buy a car from a dealership (obviously a private owner doesn't count here) and to register the vehicle. I was at a point where you are TN. I lost my car because I wasn't able to afford insurance. I had let it slide and got a parking ticket and the next thing you know, I got a notice telling me that my vehicle was going to be impounded unless I could pay. When I saved money to buy another car, I got the insurance on the spot.

I feel for you. I've been where you are.
Like I said, this is a temporary thing and Lord willing things will be a bit better after this week (payday week..*****!). Then let the juggling begin!!! Again!!...lol.

I just hate for such a generalized "irresponsibility" label to get placed on people. There are a lot of people out there that are irresponsible because they have never had or have no intention of ever having insurance. This is not the case for everyone. I do understand where everyone's view is coming from though, so I hope no one thinks that this has upset me, it hasn't. It is what it is.

I have been offered good advice and I also hope that those that gave it do not feel that I was just being a snotty unappreciative b*tch, didn't mean it to sound that way...was just saying that it wasn't what I was needing at the moment.

[littlered1]

I'm glad life is so easy for most of you:

take the bus
quit your job
don't drive
find a better job
get rid of the internet....

not trying to fight but really, don't intentionally try to hurt someones feelings!We all love being able to freely voice our opinions here and sometimes we can have a real healthy debate.
I guess I was brought up different!

[Quaker_Parrots]

Why in the heck are you paying that much for a '94 Lumina? I had a '97 Taurus SHO that cost over $30,000 new and I never paid more than $105 a year for it.

So far as the waiver, I have never heard of that, and couldnt find anything about it on the SOS website other than you HAD to carry at least PLPD on any car you own and operate to tag it.


well thankfully you aren't our governor.

I do not have car insurance presently because we simply can't afford it. HOWEVER, I did sign a liability waiver and pay an extra $800 when I got my tags so that the state was aware I had no insurance.

Yes, it was cheaper than getting insurance, which runs over $1100 for our county for basic PLPD. Collision and Comp, obviously you pay through the nose.

I am not a deadbeat either, but thanks for your concern.




It's bad enough for car tags, which if you are not from Michigan, lemme tell ya how much racket this is...

no matter how long you have had your car, or when you purchased it... your tags are based on the MSRP of when the car was sold brand new!

So, for my 1999 Ford Windstar which we bought in 2004 -- our tags are $205 a year...for my 1994 Chevy Lumina, which I bought this year -- our tags are $198 FOREVER.

Yeah, I will just pay my $800 a year and be done with it.


Who did you pay the waiver to? This might help you out:

http://www.michigan.gov/sos/0,1607,7-127-50050_50418-25289--,00.html


Insurance Requirements

Owners of passenger vehicles, vans, and light trucks must purchase Michigan no-fault insurance before registering their vehicle. Out-of-state insurance policies cannot be used to meet Michigan insurance requirements for registering a vehicle.

Motorcycles must also be insured, but it is not no-fault insurance.

Required coverages include bodily injury/property damage (BI/PD), personal injury protection (PIP), and property protection insurance (PPI). These required coverages do not pay for damage to your vehicle or cover theft. If you want your insurance company to cover damage to your vehicle or theft, you may choose to carry collision coverage (damage) and comprehensive coverage (theft).

Keep your Michigan no-fault insurance certificate in your vehicle or carry it with you when you drive. If you cannot show proof of insurance to a law enforcement officer, the court may order the Secretary of State to suspend your driver license. Until proof of insurance is shown, the Secretary of State will not renew, transfer, or replace your vehicle’s license plate. You may be required to prove the vehicle is insured for not less than six months and pay $50, plus any other fees required by law. The plate could also be canceled if proof of insurance is not produced.

[msginna]

is easy = having insurance??? I think not! I wish I didn't have to pay it out, I have not had a good driving record always so it is costly, BUT I can't aford not to have it. My fammily's well being depends on it. I was taken by ambulance and brought to a hospital. My car was TOTALED. If I didn't have insurance we would have been screwed!!! If she didn't have insurance I would have been screwed!!!! I would have NO CAR had we not had insurance !! I know what it is like to have medical bills mount up. I know what it is like to be REALLY short on funding. Personally I would rather go without the satalite then to be without insurance, and it has happened before. I would go without the phones and internet as well. I just know that I am so lucky to have been in an accident where both of us had coverage. This was a serious accident that I did not plan on happening. My life and my families lives would have not just been inpacted but destroyed. We live in the middle of nowhere and would not have had any funding to get a new one. We are on a tight budget with rare cases of "extra money". My family is worth it to be covered. It sure isn't easy though.

[Njean31]

that sucks! people who can't afford insurance should not be driving. period. that is totally selfish and careless. someone hit me and my child back in 02......causing over 100,000.00 in damages...including medical. they had insurance but not enough. i did not have underinsured on my policy....i did not sue the woman because honestly she did not have a pot to piss in. she just should have not been driving.

[tngirl]

So, now we have graduated from bashing non-insured people to those that don't have enough insurance? Geez, WTF? If it was left up to you people half the country wouldn't be allowed to drive.

So, I guess when I see about getting my piddly arsed $50,000 per accident coverage back I will still be considerd irresponsible. I would say it is a damned if you do, damned if you don't situations.

[ahippiechic]

Having some is better than none. Hoping you get back on your car this weekend.

[tngirl]

Having some is better than none. Hoping you get back on your car this weekend.
Keep you fingers crossed and say some prayers and send lots of positive vibes my way!!

[ahippiechic]

Keep you fingers crossed and say some prayers and send lots of positive vibes my way!!

Good vibes coming!

[IthinkNOT!]

I have just now seen this thread, don't know how I missed it before.

First of all, I am actually fortunate enough right this minute to have car insurance. I have had to drive without it it a few times before, and was always so scared that I would hit someone or they would hit me. But that can change at the drop of a hat. Around here we skate on thin ice. Mom works full time, and I go to school full time. We share one car, which is why I am not working. I am choosing to further my education so that maybe 10 years from now we wont have to worry so much. It only takes one unexpected illness, or any other money draining event, and we could be right back to driving with no insurance. And, I'll be perfectly honest, If we lose insurance, we still ain't parking the car. Nope, can't afford to.

Some of you are reading this right now, and thinking well that's just irresponsible. Well, let's just say that I did park the car, what would happen?
First off, not having car insurance is not an excused absence from either work or school. So within a week of not driving, there would be no more job and no more school. That means no paycheck. Well if there's no paycheck, there are no groceries, no electric. Sure, I can just call the electric company, and they'll understand completly that I couldn't work, and feel sorry for me and keep the lights on, right? WE all know how cooperative they can be. So then the first of the month rolls around, and guess what, with no job you can't pay rent either. So no more place to live. Is anyone else seeing the reasoning there? It is very easy to sit back and judge someone, but why don't you try walking a mile in there shoes sometime?
It is very easy to sit back and say, well get a better job, get foodstamps, etc.
Of course then someone will complain about their tax dollars going to by food for someone who can't get a real job and support themselves. It is just not a winning situation at all.

And then, I see above someone complaining that someone didn't have ENOUGH insurance. It's always something, ain't it? Honestly, I feel that if the state has a legal minimum, which NC does, it's 30,000$ minimum, then that should be all the driver has to have. And some of you are thinking, well my car is worth way more than that if it is totalled, they should carry enough insurance to cover my 85,000$ vehicle. But honestly, that's not my problem. Why should I have to pay more for insurance, because you bought some over priced piece of junk?

It is just getting so bad lately, with times being so tough. Times are tight, but this is getting ridiculous. I read posts on my local news station website all the time, with people saying that they are tired of their tax dollars going to support people that aren't working, meaning foodstamps, medicaid, etc. But then if someone is working, they say, well it's not our fault that they don't have an education and make 50,000$ a year, still fussing about their tax money going to help these people. It is not a good situation. It's almost like everyone wishes that the poor people would drop off the face of the earth.

[YankeeMary]

Tngirl, I am sorry things are so bad for you lately. I know you didn't post to get sympathy but sorry baby you got it...deal with that...lol. Anyways, I totally and completely know where you are coming from. Can we say been there done that. I think it is wonderful that sooooo many here are able to afford all the things in life they want. But for the rest of us this just isn't possible. I have been a single mom, with 2 children and had to pay rent, groceries, utilities, clothes, etc...all by myself. Heck there were times I had to dig in the couch praying to find enough change to buy a loaf of bread. I have went without insurance in the past numerous times, you do what you have to do. I was truly blessed that I was never in an accident while without it. Now that I am older etc we can afford to have insurance. I do not think for one second you are being irresponsible or a dead beat. I think you are just doing what you have to do to get by every day. In the perfect world people wouldn't do without and we could all afford anything we wanted, but we all know that is not the case. Most people have truly never had to make a decision between feeding their children or getting insurance and I thank God they haven't and pray they never do. It isn't a wonderful feeling. Nor is it a wonderful feeling knowing you are driving around without insurance and knowing it is illegal and if a wrecked happened the financial hardships to follow (like you don't already have enough of those). I truly understand Roberta that you have chosen to let the insurance lapse so that you can have a roof over your head and I commend you on what you do, I know it isn't easy then to have the worry of a sick husband and sister to deal with. WOW, your plate is full. I sure hope that you get alot of calls for dirty hairy doggies this week and are able to get enough ahead so that you can get your insurance back asap. It will be at least one less worry.
And before anyone starts on me...lol. My son was in a wreck in March and guess who pulled out in front of him and guess who got thrown from the vehicle because they CHOSE not to wear a seatbelt (which is also a law), and guess who can sue of for millions, yes I said millions...ready for this ILLEGALS!!! That was who pulled out in front of my son. He had enough insurance for up to $100,000.00 per person up to 3 people and she has an attorney and is threatening to sue for even more. So trust me I completely understand the OP and sympathize with her but also completely understand and sympathize with tngirl and others that just simply can't afford it. Laws should be passed (and I have no idea or clue where to set the criteria) that you should only be allowed to get so much for accidents, like a cap or something. That way insurances would charge so much and people could actually afford it. I don't know the answer but I know something needs to be done about it.

[ahippiechic]

It's not that I can afford anything I want in life. Just that I would do without internet and/or cable to keep liability on my car. Or ride the bus. Everyone's priorities are diff, but I don't see how someone could afford to pay for damage and/or medicals bills for someone they hit, if they can't min liability ins.

I used to ride 2 buses to Walmart each week to get groceries, with my baby and bring them back on 2 buses and it was a beyotch. Especially since you have to get the baby out of the stroller and fold it up before boarding the bus.

[tngirl]

<TABLE><TBODY><TR><TD class=location><TABLE><TBODY><TR><TD class=location>And for anyone that cares, this is what a typical day of riding the bus for me would be like. Hmmm, wonder how long it takes to walk 3 miles to a bus stop...oh, and on roads that don't have side walks or shoulders to speack of. I just thought I would share with those of you that may think that I am exaggerating about riding a bus back and forth to work. I would have to be sure to get off of work in time to walk that 3 miles to get to the bus stop in time to catch a bush. But, it does look like it doesn't take as long to get back home as it does to get to work in the morning...lol.

How many of you walk 3 miles every morning and evening?

Origin: POPLAR AVE @ N CLEVELAND ST, MEMPHIS
</TD></TR><TR><TD class=location>Destination: HOUSTON LEVEE RD @ MACON RD, CORDOVA</TD></TR><TR><TD>http://matatransit.com:83/FILE/Apps/System/images/spacer.gif</IMG></TD></TR><TR><TD>Request: Departure of 5a on 08-20-2008</TD></TR><TR><TD colSpan=2>Valid: 1 service in effect from 06-08-2008 to 12-13-2008</TD></TR><TR><TD height=8></TD></TR><TR><TD><TABLE class=ZebraDark id=DETAIL cellSpacing=0 cellPadding=2 width=590 border=0><TBODY><TR class=sectionHeader><TD align=middle>StartDetail</TD><TD align=middle>EndDetail</TD><TD align=middle>Duration</TD><TD align=middle>Transfers</TD><TD align=middle>Fare</TD><TD align=middle>Walk (miles)</TD></TR><TR class=sectionHeader><TD align=middle>5:27a</TD><TD align=middle>8:06a</TD><TD align=middle>159 min.</TD><TD align=middle>2</TD><TD align=middle>$1.60</TD><TD align=middle>3.59</TD></TR><TR><TD height=8></TD></TR><TR><TD colSpan=6>Your trip has 1 transfer and will take 2 hour[s] and 39 minute[s]. Depart 5:27a from stop CLEVELAND@POPLAR on line 31 Crosstown Northbound. Arrive 5:48a at stop Thomas-Marble. Transfer 6:00a at stop Thomas-Marble to line 31 Crosstown Southbound(no cost). Arrive 6:13a at stop Jackson-Watkins. Transfer 7:03a at stop Jackson-Watkins to line 40 Raleigh-Bartlett Outbound. Arrive 8:06a at final destination stop STAGE@FLETCHER TRACE. This trip has 1 stay in seat transfer. This trip has 1 no-cost transfer. </TD></TR><TR><TD height=8></TD></TR><TR><TD align=right rowSpan=3>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/bus.gif</IMG></TD><TD>Depart: </TD><TD colSpan=2>CLEVELAND@POPLAR (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 5:27a&StopNum=102&LineDirId=7100&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>5:27a</TD></TR><TR><TD>On route: </TD><TD colSpan=2>31 Crosstown Firestone (http://matatransit.com:83/hiwire?.a=iScheduleLookupSearch&FromTime= 5:27a&ToTime= 5:48a&LineDirId=7100&LineAbbr=31&.s=9140fc2f&Date=08-20-2008)</TD><TD></TD></TR><TR><TD align=left>Arrive:</TD><TD align=left colSpan=2>Thomas-Marble (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 5:27a&StopNum=10&LineDirId=7100&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>5:48a</TD></TR><TR><TD align=right>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/transfer.gif</IMG></TD><TD></TD></TR><TR><TD align=right rowSpan=3>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/bus.gif</IMG></TD><TD>Transfer to: </TD><TD colSpan=2>Thomas-Marble (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 6:00a&StopNum=1&LineDirId=7101&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>6:00a</TD></TR><TR><TD>On route: </TD><TD colSpan=2>31 Crosstown Kansas (http://matatransit.com:83/hiwire?.a=iScheduleLookupSearch&FromTime= 6:00a&ToTime= 6:13a&LineDirId=7101&LineAbbr=31&.s=9140fc2f&Date=08-20-2008)</TD><TD></TD></TR><TR><TD align=left>Arrive:</TD><TD align=left colSpan=2>Jackson-Watkins (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 6:00a&StopNum=3&LineDirId=7101&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>6:13a</TD></TR><TR><TD align=right>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/transfer.gif</IMG></TD><TD></TD></TR><TR><TD align=right rowSpan=3>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/bus.gif</IMG></TD><TD>Transfer to: </TD><TD colSpan=2>Jackson-Watkins (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 7:03a&StopNum=5&LineDirId=7161&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>7:03a</TD></TR><TR><TD>On route: </TD><TD colSpan=2>40 Wolfchase Berryhill (http://matatransit.com:83/hiwire?.a=iScheduleLookupSearch&FromTime= 7:03a&ToTime= 8:06a&LineDirId=7161&LineAbbr=40&.s=9140fc2f&Date=08-20-2008)</TD><TD></TD></TR><TR><TD align=left>Arrive:</TD><TD align=left colSpan=2>STAGE@FLETCHER TRACE (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 7:03a&StopNum=12&LineDirId=7161&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>8:06a</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>

Origin: HOUSTON LEVEE RD @ MACON RD, CORDOVA
</TD></TR><TR><TD class=location>Destination: POPLAR AVE @ N CLEVELAND ST, MEMPHIS</TD></TR><TR><TD>http://matatransit.com:83/FILE/Apps/System/images/spacer.gif</IMG></TD></TR><TR><TD>Request: Departure of 5p on 08-20-2008</TD></TR><TR><TD colSpan=2>Valid: 1 service in effect from 06-08-2008 to 12-13-2008</TD></TR><TR><TD height=8></TD></TR><TR><TD><TABLE class=ZebraDark id=DETAIL cellSpacing=0 cellPadding=2 width=590 border=0><TBODY><TR class=sectionHeader><TD align=middle>StartDetail</TD><TD align=middle>EndDetail</TD><TD align=middle>Duration</TD><TD align=middle>Transfers</TD><TD align=middle>Fare</TD><TD align=middle>Walk (miles)</TD></TR><TR class=sectionHeader><TD align=middle>4:56p</TD><TD align=middle>6:28p</TD><TD align=middle>92 min.</TD><TD align=middle>1</TD><TD align=middle>$1.60</TD><TD align=middle>3.44</TD></TR><TR><TD height=8></TD></TR><TR><TD colSpan=6>Your trip has no transfers and will take 1 hour[s] and 32 minute[s]. Depart 4:56p from stop Berryhill-Stage on line 40 Raleigh-Bartlett Inbound. Arrive 6:06p at stop North End Terminal. Transfer 6:15p at stop North End Terminal to line 50 Poplar Outbound(stay on the same vehicle). Arrive 6:28p at final destination stop Poplar-Cleveland. This trip has 1 stay in seat transfer. </TD></TR><TR><TD height=8></TD></TR><TR><TD align=right rowSpan=3>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/bus.gif</IMG></TD><TD>Depart: </TD><TD colSpan=2>Berryhill-Stage (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 4:56p&StopNum=2&LineDirId=7160&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>4:56p</TD></TR><TR><TD>On route: </TD><TD colSpan=2>40 Wolfchase Berryhill (http://matatransit.com:83/hiwire?.a=iScheduleLookupSearch&FromTime= 4:56p&ToTime= 6:06p&LineDirId=7160&LineAbbr=40&.s=9140fc2f&Date=08-20-2008)</TD><TD></TD></TR><TR><TD align=left>Arrive:</TD><TD align=left colSpan=2>North End Terminal(Stay on the same vehicle) (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 4:56p&StopNum=11&LineDirId=7160&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>6:06p</TD></TR><TR><TD align=right>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/star.gif</IMG></TD><TD></TD></TR><TR><TD align=right rowSpan=3>http://matatransit.com:83/FILE/Apps/FixedRoute/CustomerInfo/images/bus.gif</IMG></TD><TD>Transfer to: </TD><TD colSpan=2>North End Terminal (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 6:15p&StopNum=1&LineDirId=7201&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>6:15p</TD></TR><TR><TD>On route: </TD><TD colSpan=2>50 Poplar Germantown (http://matatransit.com:83/hiwire?.a=iScheduleLookupSearch&FromTime= 6:15p&ToTime= 6:28p&LineDirId=7201&LineAbbr=50&.s=9140fc2f&Date=08-20-2008)</TD><TD></TD></TR><TR><TD align=left>Arrive:</TD><TD align=left colSpan=2>Poplar-Cleveland (http://matatransit.com:83/hiwire?.a=iStopLookupDetails&FromTime= 6:15p&StopNum=5&LineDirId=7201&.s=9140fc2f&Date=08-20-2008)</TD><TD vAlign=top align=middle>6:28p</TD></TR></TBODY></TABLE></TD></TR></TBODY></TABLE>

[ahippiechic]

Honestly, that does sound like a *****. BUT I wouldn't drive without ins. I'd either ride the bus or find a diff job or cut out cable/internet/phone or sell one of the other cars to get ins to keep driving.

I drove without ins long time ago, to a bar I worked at out in the boonies, for almost 3 months. Then I hid so much each week from my check (so my ex-ass wouldn't find out) and bought ins. Excuses aside, I was being irresponsible by driving without it.

[tngirl]

Why would I sell one of my vehicles? That would be an asinine thing to do. And yeah, I could turn off the internet/cable for a month, no phone except our cell phones and considering there are 5 lines attached to the account @ approx $200 each to cut off early...not a good idea. But, in the end I would end up having to spend more money in order to get these things back on.

Oh, and I forgot to mention...the earliest bus is the one above and and it would take at least an hour or more to walk the 3 miles (and half the time carrying the before mentioned equipment) which would put me actually getting to work sometime between 9 and 10.

And getting another job, uh no. Even though it is possible for me to find a job closer to home...I would probably end up making a lot less money. So that is definitely not an option. And no other jobs in the area pay what I make. Like I said, the money that I make is NOT the issue, the issue is the fact that our income was cut in half when hubby was put off for the surgery. It is a matter of juggling and rearranging things in order for me to afford everything with what I make alone. Trust me, if your job paid what my job paid you wouldn't be willing to be changing jobs either. It would be the same as starting all over again to build clientele and considering I am paid commission, that would be a terrible financial blow.

[YankeeMary]

Honestly, that does sound like a *****. BUT I wouldn't drive without ins. I'd either ride the bus or find a diff job or cut out cable/internet/phone or sell one of the other cars to get ins to keep driving.

I drove without ins long time ago, to a bar I worked at out in the boonies, for almost 3 months. Then I hid so much each week from my check (so my ex-ass wouldn't find out) and bought ins. Excuses aside, I was being irresponsible by driving without it.

How would cutting off internet services pay for insurance? I know it wouldn't even come close to paying for ours and we have cable ($52 a month). Our insurance is way more then $52 a month. And once you sold the other vehicle, and spent that money then what? You are right back to having no internet, no second vehicle and still no money to pay for insurance.

[tngirl]

How would cutting off internet services pay for insurance? I know it wouldn't even come close to paying for ours and we have cable ($52 a month). Our insurance is way more then $52 a month. And once you sold the other vehicle, and spent that money then what? You are right back to having no internet, no second vehicle and still no money to pay for insurance.
And considering the second vehicle is necessary for hubby and sis to use to get to their doctor appts. I don't even take off of work to go with hubby to his appts because someone has to work.

[ahippiechic]

How would cutting off internet services pay for insurance? I know it wouldn't even come close to paying for ours and we have cable ($52 a month). Our insurance is way more then $52 a month. And once you sold the other vehicle, and spent that money then what? You are right back to having no internet, no second vehicle and still no money to pay for insurance.

My internet/cable/phones are 120.00 a mo. Last year I paid 97.00 a mo. for basic liability ins. The reason I said that is because she said that the lack of money was temporary, so I said (for me) that I would do without for a month to get the ins. Then for a 10.00 fee they will turn everything back on again when you have more money.

[Njean31]

And then, I see above someone complaining that someone didn't have ENOUGH insurance. It's always something, ain't it? Honestly, I feel that if the state has a legal minimum, which NC does, it's 30,000$ minimum, then that should be all the driver has to have. And some of you are thinking, well my car is worth way more than that if it is totalled, they should carry enough insurance to cover my 85,000$ vehicle. But honestly, that's not my problem. Why should I have to pay more for insurance, because you bought some over priced piece of junk?



if you are talking about me, i have a right to complain just like everyone else. the woman who hit me wasn't even sure she had insurance because it was her mother's car and it was registered in texas. it was several days away from being canceled and was only the limits of liability in texas, 15,000. and, i was driving a piece of crap truck so that's not where the over 100,000 damages came from. it was medical and loss of income from me not being able to work. honestly, 15,000 won't hardly even cover one car if it's total. hopefully, tx has increased their limits.

the whole situation opened up my eyes. i got underinsured on my policy right away and increase my own limits to 100,000. if i cause an accident, my insurance will go a long way now and i may not get sued.

here in nc if you cause an accident and don't have insurance and there are damages, they can make you pay for it monthy over a period of years. it happened to my nephew. he had to pay like 200 a month for 10 years to the person he hit.

[Njean31]

also, driving is a privilege , not a right. so if you can't afford to follow the law, then don't do drive. i thought you HAD to have insurance to drive. aren't people who are driving without it committing a crime?

[G'maDebbie]

Why in the heck are you paying that much for a '94 Lumina? I had a '97 Taurus SHO that cost over $30,000 new and I never paid more than $105 a year for it.

So far as the waiver, I have never heard of that, and couldnt find anything about it on the SOS website other than you HAD to carry at least PLPD on any car you own and operate to tag it.





Who did you pay the waiver to? This might help you out:

http://www.michigan.gov/sos/0,1607,7-127-50050_50418-25289--,00.html

I have lived in Michigan ALL my life and have never heard of anything like this ever, so i called the SOS office and they had never heard of it either. I am not being argumentitive, but I got to thinking that if you can afford $800.00 for this waiver, and insurance costs $1100, that's only $25 more a month to be insured. KWIM?

[Bahet]

I lived in MI for 34 years, worked for a township and county governments, my dad worked for county government, and my grandpa was a county commissioner and I never heard of that either. Frankly, it would make a lot more sense to take that $800, put it in a money market account earning interest, and pay for the insurance.

Getting rid of internet might not cover it but, like I said, it's easy to find $3-5/day without changing your lifestyle much in even the tightest of budgets. Getting rid of internet and premium cable channels would cover it.

[pepperpot]

Is there anyone in your area you could possibly car pool with? (even part of the way) Perhaps they'd like a bit of help toward gas money themselves?

Doesn't craigslist and some cities have sites to carpool with?

[PrincessArky]

oh my I have missed this thread completely somehow
First off OP I am so sorry this has happened to ya and you are right you won't get your money back :(


Okay, I am a deadbeat, irresponsible piece of crap that is too good to ride the public transportation with the drug heads and whores. My bad. Ya'll have a great day!!

I dont think of you that way at all. I know most are looking at you like the bad guy but I am not. I understand completely the situation you are in at the moment and I just wanted to say that I truly hope things improve in your life soon so that you can get insurance and the other things I know you are going without at the moment.

[ahippiechic]

I don't think TNgirl is a 'bad guy' but I do think it is irresponsible to drive without ins. I know there are a lot of things I would do without before not having it. When I had a car, I've had to let other bills go so I could pay it. I also hope she gets in better place and can get the coverage back.

[PrincessArky]

I don't think TNgirl is a 'bad guy' but I do think it is irresponsible to drive without ins. I know there are a lot of things I would do without before not having it. When I had a car, I've had to let other bills go so I could pay it. I also hope she gets in better place and can get the coverage back.

I honestly dont know who exactly was saying what I just read through the posts not really the posters so my statement was very general

[cinnamonch]

well thankfully you aren't our governor.

I do not have car insurance presently because we simply can't afford it. HOWEVER, I did sign a liability waiver and pay an extra $800 when I got my tags so that the state was aware I had no insurance.

Yes, it was cheaper than getting insurance, which runs over $1100 for our county for basic PLPD. Collision and Comp, obviously you pay through the nose.

I am not a deadbeat either, but thanks for your concern.

Seems to me if you know you have to pay this $800 when you get your tags and you were able to come up with it, why couldn't you come up with the additional $300?

For Tngirl, I understand what you are saying you while it is wrong to drive without insurance, you have to do what you have to do until you can do better. I recently purchased another vehicle and because I am financing it, I have to have full coverage. My insusrance went from $45 to $140/month.

To address those who say cut back or eliminate things like cable, internet, etc. that is easier said than done. Sure you cut back to bare basics but guess what, that money now goes to cover basic foods such has milk and bread, utilities, etc that has gone up in cost so that money you thought you would have for insurance, is going to cover cover these things.

Also cutting out internet is not that easy either. I have custody of my two nephews and they do a lot of research papers for school. Going to the library isn't convient not only because they are limited on how long they can be on each day but also according to a lot of you all on here, they wouldnt be able to go because I shouldn't be driving there because I don't have any insurance because the money i saved by cutting out my internet didn't go to pay for the insurance but to pay for other necessities. So what do you propose someone do? Have their child fail because they cant do their school work?

Some of you really need to get off your high horse and get into reality. Not everyone is has a two income home, has a job thats right next door to their house, kids or other family members without medical conditions, no debt, and so on. To those of you in this situation, good for you, but quit putting down everyone else who isn't.

[mosdata1]

I don't think people are 'putting her down', rather, they are (I am) saying that it is very dangerous to drive without insurance. I know what it's like to go from a good income to less than 1/3, and still have to pay the same amt - or more - for elec, gas, mortgage, food, etc.
If someone without insurance hit me, I have unisured driver (required by law) coverage. We only carry the minimum (because we are still climbing out of our deep debt) and can be put even further in debt if this happens to us.
Things are better for us now, but it is still hard. We have a van that has many mech problems, so we turned in the plates & cancelled the insur. This is saving us some money.
I paid my revolving debt late, in order to keep up our insurance. There are many people on this board who understand hard financial times. I just would do everything in my power to keep my insurance up. There were times when we would call the co and try to work out payments (not too much leeway here, the insur co's only want to take your money not work with you), but they still would give me an extra week, if I gave them a post dated check.
Believe me, I know about riding the busses & trains with homeless people, drunks & people you know would rob you, if they could.
During these times, my son, broke his ankle, and then 8 months later severly dislocated his knee & has to get physical therapy. We have insurance, but it is not the best. We had to make payment arangements with the MRI company.

[pepperpot]

Some of you really need to get off your high horse and get into reality. Not everyone is has a two income home, has a job thats right next door to their house, kids or other family members without medical conditions, no debt, and so on. To those of you in this situation, good for you, but quit putting down everyone else who isn't.

It is against the law to operate a motor vehicle without insurance.

The law is there for a reason, to protect the driver as well as other drivers, pedestrians, etc.

Everyone hits a rough patch now and then, there is no shame nor put down in that. However, it could be disastrous to both parties should an accident occur......

Should the 'innocent' person who has nw gotten hit/hurt by an uninsured driver be forced to carry that burden? That is why the law is in place. It is not fair for the uninsured driver to break the law and make 'their' problems someone else's.....perhaps devastating their life as well. :shrug

I see lots of people offering suggestions on how to possibly 'make it work' for her so she can have insurance and/or get herself to her job. I don't think it is wise to encourage someone to continue to put themselves and others at risk and for a situation to possibly drag her down further in life. Even if it is rough for them now, it will be a lot rougher to continue to risk it......there must be another way.

TN knows how I feel about her...she is far from an irresponsible person. I think she has taken on an enormous amount of responsibility and she is just one person who is desperately trying to make it all work......I would just hate to see her get herself in deeper by an unfortunate event and really be screwed against the wall and taking others down as well. That is the 'reality'.

It's a law for a reason.

[Bahet]

I don't buy the justifications either. It's illegal to drive without it. Saying it's ok because you are doing what you have to do to take care of your family is exactly the excuse illegals give to sneak into the country and use fake SSNs t get jobs.

[PrincessArky]

Just for the record I never said driving w/out insurance was not illegal or even ok I just feel like when a person is down and feeling so low sometimes it helps to have an understanding voice.....because all the things that have been said here make no difference in how things are in her present situation. She understands the chance she is taking (at least I think she does) and wants to be able to insurance her auto that I think we can all agree on.

[whatever]

I do NOT enjoy paying INS either!! believe me i feel we are being ripped off.
But I would NOT dare go without it either. I would give up something first. which would be hard. because basically internet is all i have. NO cable/sat.
We don't out to each much etc. Camping rarely this year due to HIGH fuel costs. Keeping costs down is how we AFFORD insurance etc.

[speedygirl]

Yeah, I will just pay my $800 a year and be done with it.

That's a bargain. Try living in the Northeast. DH and I pay monthly almost $400 for both of us. our yearly is over $1800 per person. That is typical of rates in MA. Fortunately auto insurance was deregulated this year and we were able to save 15% of that with a new company. Neither of us has any points or fine other wise we'd be paying double of that

[tngirl]

I don't buy the justifications either. It's illegal to drive without it. Saying it's ok because you are doing what you have to do to take care of your family is exactly the excuse illegals give to sneak into the country and use fake SSNs t get jobs.
OMG! Bahet, isn't that stretching it a bit much?

Besides, I don't have to justify my actions to anyone. I am just saying. Do I worry about not having insurance? Damn right I do. But, I am also doing what I need to do in order to make it and NOT lose EVERYTHING.

And, the only reason that I replied in this thread was because I knew that chances were no one else would fess up because of being afraid of being "labled" like I have. I know I am not the only one without insurance and the only thing that I am saying is that it does not automatically make one irresponsible just because they do not have it.

Thanks for all the advice, but you do not realize what I have already given up in order to make it. And to tell me what is and isn't necessary in my life is not a call for anyone else to make. What is not important to one person can mean the world to others. Over the past few months being able to talk to my friends has been a godsend to me. I do not expect any of you to understand, but my friend's do as they know what has been happening in my life.

And as for a carpool, nope, no one and even if there was I wouldn't carpool with anyone. When I am in a vehicle, I HAVE to drive. I don't even let my husband drive if we are traveling in his truck.

[sunniekiss]

OMG! Bahet, isn't that stretching it a bit much?

Besides, I don't have to justify my actions to anyone. I am just saying. Do I worry about not having insurance? Damn right I do. But, I am also doing what I need to do in order to make it and NOT lose EVERYTHING.

And, the only reason that I replied in this thread was because I knew that chances were no one else would fess up because of being afraid of being "labled" like I have. I know I am not the only one without insurance and the only thing that I am saying is that it does not automatically make one irresponsible just because they do not have it.

Thanks for all the advice, but you do not realize what I have already given up in order to make it. And to tell me what is and isn't necessary in my life is not a call for anyone else to make. What is not important to one person can mean the world to others. Over the past few months being able to talk to my friends has been a godsend to me. I do not expect any of you to understand, but my friend's do as they know what has been happening in my life.

And as for a carpool, nope, no one and even if there was I wouldn't carpool with anyone. When I am in a vehicle, I HAVE to drive. I don't even let my husband drive if we are traveling in his truck.

I agree, THAT is a stretch. While I don't agree with driving uninsured & while I am fortunate that I have never been uninsured I can totally understand where you are coming from. You need to do what you need to do to survive.
Just be grateful that your dh, while still very ill, is still with you. That is a blessing in itself.
My income has dropped to 1/4 of what is was however my bills are now getting to be double what they were so I can relate. It took me nearly 5 years to finally pay off all of my medical bills. I paid what I could when I could.
I will keep you & your family in my thoughts & prayers.

[LuvBigRip]

I am sorry, but I have to agree with Bahet. Justifications for breaking the law just doesn't work for me, and her analogy was a good one.

[tngirl]

I have a confession to make, you know how my last name is Gonzalez...well, I am really an illegal alien and I swam knee deep across the Rio Grand 26 years ago to drop load with my anchor baby. I am an illegal alien deadbeat criminal.

[whatever]

I have a confession to make, you know how my last name is Gonzalez...well, I am really an illegal alien and I swam knee deep across the Rio Grand 26 years ago to drop load with my anchor baby. I am an illegal alien deadbeat criminal.

I don't think they are attacking YOU personally. I AM NOT!! I just happen to HATE when people drive without INS. Cause i take pride in my vehicles. BUT IF i don't cause the accident why should I have to pay for it?? Or the medical which could end up costing thousands of dollars! Why should i go into debt if something was to happen to me or my vehicle for someones else error or stupidity? JMO

[tngirl]

I don't think they are attacking YOU personally. I AM NOT!! I just happen to HATE when people drive without INS. Cause i take pride in my vehicles. BUT IF i don't cause the accident why should I have to pay for it?? Or the medical which could end up costing thousands of dollars! Why should i go into debt if something was to happen to me or my vehicle for someones else error or stupidity? JMO
I don't take it as a "personal" attack.

What bugs the crap out of me is the fact that the majority of these people do little things all the time that is in fact illegal. When they snag more than one coupon and use it, it is actually fraud. When they sign up for a deal or freebie using two seperate email accounts, that is actualy fraud. And yeah, the last time I looked, fraud was illegal. I am sure ALL of these people have broken the law at some point or the other in their life, so, for them to sit there in judgement of others is hypocritical, wouldn't you say?

How many people do "California" stops at stop signs? How many people take that right hand turn on red without coming to a complete stop? Uh, that is against the law. And those are the kind of things that cause a lot of accidents. Oh, but I guess it is okay because they have insurance. No, biggie. And don't tell me it is comparing apples to oranges. It isn't as far a stretch as comparing driving with no insurance to being an illegal alien.

[Njean31]

I don't take it as a "personal" attack.

What bugs the crap out of me is the fact that the majority of these people do little things all the time that is in fact illegal. When they snag more than one coupon and use it, it is actually fraud. When they sign up for a deal or freebie using two seperate email accounts, that is actualy fraud. And yeah, the last time I looked, fraud was illegal. I am sure ALL of these people have broken the law at some point or the other in their life, so, for them to sit there in judgement of others is hypocritical, wouldn't you say?



all of those instances don't have the potential to cause bodily harm and or death and major financial difficulty to another individual........so yes, it is comparing apples to oranges...or however that saying goes lol.

[tngirl]

all of those instances don't have the potential to cause bodily harm and or death and major financial difficulty to another individual........so yes, it is comparing apples to oranges.
My driving without insurance does NOT have the potention to cause anyone bodily harm, finacial hardship, I give you that. But, I do see you left out the "California" stops and right hand turns at the red light. Do those not have the potential for bodily harm to someone else? Because someone is NOT following the law? And just because someone comes to this country illegally does not meant there is a potential to cause bodily harm.

What do ALL of these things have in common? They are ALL illegal. So, before someone wants to get on their high horse about others doing something illegal, hmmmm, maybe they may want to sweep around their own back doors and not be thowing stones while living in a glass house.

[Njean31]

My driving without insurance does NOT have the potention to cause anyone bodily harm, finacial hardship, I give you that. But, I do see you left out the "California" stops and right hand turns at the red light. Do those not have the potential for bodily harm to someone else? Because someone is NOT following the law? And just because someone comes to this country illegally does not meant there is a potential to cause bodily harm.



you are not serious, are you? so basically, you are saying you are perfect and could never possibly make a mistake, have a health issue like a seizure, sneezing or coughing fit, be blinded by the sun, swerve to hit an animal, child, etc? okay then, i guess you wouldn't need insurance then.

i left it out because the argument is ridiculous....
as is your first statement of this post. you are not superhuman. just go get some insurance already.

[msginna]

I know my family would have been devestated had she not had insurance. It did not matter that she was ticketed only that I was compensated for her carelessness. I know I am not the only one who has gotten into accidents either. But THANKFULLY she was following the law so I could get compensated. I deserved it MY family deserved it, just like everyone else out there who deserves it. And by not having it you could be impacting me and my family. and anyone hurting my family isn't going to like me. I just hope I wont get in an accident like that again or anyone in my family. I know you are getting defensive here but comming from someone that could have had her life turned upside down if she didn't have insurance I don't see why defend something that is so wrong.

[msginna]

omg of COURSE you can cause me and my family hardship!!!! How can you not see that??? there are medical bills to be paid, who pays for it if you aren't doing what you are supposed to? UM me. who has to pay for the car to me fixed of a new one like I did, UM ME. by not having insurance and if we were to get into an accident YOU could cause ME and MY family DEVISTATION that could last for many years. wouldn't even matter if it wasn't my fault. maybe just comming out of an accident is why I am so wowed about people taking responsibility and doing the right thing.

[tngirl]

you are not serious, are you? so basically, you are saying you are perfect and could never possibly make a mistake, have a health issue like a seizure, sneezing or coughing fit, be blinded by the sun, swerve to hit an animal, child, etc? okay then, i guess you wouldn't need insurance then.

i left it out because the argument is ridiculous....
as is your first statement of this post. you are not superhuman. just go get some insurance already.
No more ridiculous than comparing it to illegal immigration.

And where the heck did you read that I am perfect? Now talk about ridiculous. Driving without insurance is NOT going to cause anyone to have a seizure, make a mistake, sneeze, cough or have any control over the sun. And so, in no way effects the potential of causing bodily harm. But, pulling in front of someone when you don't bother to stop all the way at a stop sign...and you do know what those red octagon shaped signs mean don't you?...or taking a right turn on red without a complete stop DOES have the potential of causing bodily harm.

So, no, I do not see where my "argument" is ridiculous. Obviously, you are one of those people that don't understand that the word STOP actually means stop.

[tngirl]

I know my family would have been devestated had she not had insurance. It did not matter that she was ticketed only that I was compensated for her carelessness. I know I am not the only one who has gotten into accidents either. But THANKFULLY she was following the law so I could get compensated. I deserved it MY family deserved it, just like everyone else out there who deserves it. And by not having it you could be impacting me and my family. and anyone hurting my family isn't going to like me. I just hope I wont get in an accident like that again or anyone in my family. I know you are getting defensive here but comming from someone that could have had her life turned upside down if she didn't have insurance I don't see why defend something that is so wrong.
Sweetie, I am not "defensive" in the sense that you mean. I am just pointing out the other side of the story.

[tngirl]

omg of COURSE you can cause me and my family hardship!!!! How can you not see that??? there are medical bills to be paid, who pays for it if you aren't doing what you are supposed to? UM me. who has to pay for the car to me fixed of a new one like I did, UM ME. by not having insurance and if we were to get into an accident YOU could cause ME and MY family DEVISTATION that could last for many years. wouldn't even matter if it wasn't my fault. maybe just comming out of an accident is why I am so wowed about people taking responsibility and doing the right thing.
How come you can't read what I wrote? I do believe I agreed with that point. And considering that you don't live within a hundred miles of me....nope, I can't cause you any harm.

[LuvBigRip]

It is a proper analogy, because your driving without insurance and an illegal alien both affect me. My insurance rates are higher in order to cover you driving without it. My taxes are higher to pay for illegals and their schooling, medical and other things. It is the same, because they think their family is more important than someones who stood in line to get here legally. Your situation does not allow you to abuse the priveledge of driving and it is a priveledge, not a right. If you cannot afford to operate your vehicle lawfully, then you should not operate it. You also mentioned you have two vehicles, are more than one being operated illegally? If so, then you are doubling the danger. If the other one isn't being used, sell it. I'm sorry, but there are ways you could make one car legal, if you chose to do it.

ETE: And there are plenty of us who do not sign up for more than one freebie, who do make complete stops, who do follow the laws as they are written.

[Bahet]

No insurance: I will break the law to provide for my family even if it hurts someone else. I don't care if it's illegal, I'm doing it anyhow. Hopefully I won't get caught. It may not be the right way but it's the only way I can provide for my family. I will even pay a hefty fee to skirt around the legalities.

Illegals: I will break the law to provide for my family even if it hurts someone else. I don't care if it's illegal, I'm doing it anyhow. Hopefully I won't get caught. It may not be the right way but it's the only way I can provide for my family. I will even pay a hefty fee to skirt around the legalities.

[whatever]

It is a proper analogy, because your driving without insurance and an illegal alien both affect me. My insurance rates are higher in order to cover you driving without it. My taxes are higher to pay for illegals and their schooling, medical and other things. It is the same, because they think their family is more important than someones who stood in line to get here legally. Your situation does not allow you to abuse the priveledge of driving and it is a priveledge, not a right. If you cannot afford to operate your vehicle lawfully, then you should not operate it. You also mentioned you have two vehicles, are more than one being operated illegally? If so, then you are doubling the danger. If the other one isn't being used, sell it. I'm sorry, but there are ways you could make one car legal, if you chose to do it.

ETE: And there are plenty of us who do not sign up for more than one freebie, who do make complete stops, who do follow the laws as they are written.

Very well said! Logic always wins in the end. :)

[tngirl]

Yep, I have 2 vehicles. Yep, I am not perfect like you guys. Yep, you guys are always right.Nope, not selling either of my vehicles, they are both a necessity. Nope, not getting rid of my internet. So, after that, besides selling items...a lot of items that I do not want to get rid of, there isn't a whole lot that I can do until I get a break in my financial status. And if I park my vehicle, then there is absolutely no money coming in. Yeah, that is going to solve my problems.

[freeby4me]

How is having insurance being perfect?

You came in this thread to teach us all a lesson about why someone may not have insurance and you didnt get the responses you wanted, stop trying to make us all feel bad about us having insurance. We're doing the right thing. You dont think we all could use that money somewhere else? Yes, insurance is a big rip-off. We pay more in one year than we would get back if our car was totalled. That doesnt mean we dont go without it. We have one income too, we also have two vehicles and both are insured. Im sorry but it pisses me off having you sit there talking about all the "perfect" people who have insurance well you know what, you can kiss it.

Its called doing the right thing. Try it sometime. We'd never go without car insurance just like we'd never go without house insurance.

[Njean31]

And where the heck did you read that I am perfect?

when you said "My driving without insurance does NOT have the potention to cause anyone bodily harm, finacial hardship, I give you that."

what did you mean by that?

and yes, i stop at stop signs.

i wish you weren't so defensive and could understand how your actions could impact another person if you were to cause an accident.

[ahippiechic]

I don't think anyone was implying that they are perfect, I know I wasn't. I've done some highly illegal crap. (but I don't do Cali stops, lol) I just called it irresponsible and it is. And I was when I drove without it.

A lot of what gets to me about your posts, is saying things like you won't ride the bus with the 'riff raff' or that you don't want to sell anything or do without internet. Well, I never wanted to do without things so I could have car ins, but I have. I don't particularly like riding Valley Metro with a ton a camera equipment either, but I do it all the time. And I'm a freak magnet at bus stops.
I'm sure my DH would like to have car and not lug that bag of Kevlar gear on the bus twice a day but he does it. And we can afford to go buy a used car right now, but with my medical bills I don't think we could cover the ins too, so we don't have a car right now.

[tngirl]

How is having insurance being perfect?

You came in this thread to teach us all a lesson about why someone may not have insurance and you didnt get the responses you wanted, stop trying to make us all feel bad about us having insurance. We're doing the right thing. You dont think we all could use that money somewhere else? Yes, insurance is a big rip-off. We pay more in one year than we would get back if our car was totalled. That doesnt mean we dont go without it. We have one income too, we also have two vehicles and both are insured. Im sorry but it pisses me off having you sit there talking about all the "perfect" people who have insurance well you know what, you can kiss it.

Its called doing the right thing. Try it sometime. We'd never go without car insurance just like we'd never go without house insurance.

Teach who a lesson? I was just stating an opinion/situation.

And when I have I tried to make anyone feel bad about having insurance?

No, thanks, had my quota of kissing arse this week.

I have not said anything about the "perfect" people in reference to the fact that they have insurance.

Try it sometime? Are you saying that I NEVER do the right thing?

My suggestion to you, is that you brush up on your reading comprehension. Because, I have not said any of the referenced remarks

[tngirl]

when you said "My driving without insurance does NOT have the potention to cause anyone bodily harm, finacial hardship, I give you that."

what did you mean by that?

and yes, i stop at stop signs.

i wish you weren't so defensive and could understand how your actions could impact another person if you were to cause an accident.

Why is it when someone is explaining their side of a story it is considered defensive? And the above statement was stating that yes, if I were to have an accident that was my fault, it has the potential to cause someone financial hardship. But, the fact that I do not have insurance does not have any potential for causing bodily harm.

[LuvBigRip]

Yep, I have 2 vehicles. Yep, I am not perfect like you guys. Yep, you guys are always right.Nope, not selling either of my vehicles, they are both a necessity. Nope, not getting rid of my internet. So, after that, besides selling items...a lot of items that I do not want to get rid of, there isn't a whole lot that I can do until I get a break in my financial status. And if I park my vehicle, then there is absolutely no money coming in. Yeah, that is going to solve my problems.

Two vehicles are NOT a necessity, they are a luxury. There are many two income families that only have one. You are a one income family and cannot afford insurance on even one of them. Many of us have had to sell things we don't want to in order to survive. I even sold my blood to make ends meet. I have sacrificed meals so my kids could eat. I had the gas shut off and used an electric hot plate to heat water for baths so that the neccessities could be paid, and yes, insurance was a necessity, the internet was not.

I bolded a key sentence in your statement. Sometimes what we want and what we have to do are two entirely different things. Selling one vehicle would ease the financial burden and allow you to drive within the law. So what if you don't want to. Many of us have had to sell a really nice vehicle after a divorce to have one they could afford. Many of us have sold family heirlooms. Many of us have pawned wedding rings to have the money to pay for a bill. Many of us have done what had to be done and not made rationalizations. Many of us have taken the bus, with kids, in the heat of Las Vegas and Phoenix, for hours, while managing illnesses, school, work and families. Many of us don't accept rationalizations for breaking the law.

[tngirl]

I don't think anyone was implying that they are perfect, I know I wasn't. I've done some highly illegal crap. (but I don't do Cali stops, lol) I just called it irresponsible and it is. And I was when I drove without it.

A lot of what gets to me about your posts, is saying things like you won't ride the bus with the 'riff raff' or that you don't want to sell anything or do without internet. Well, I never wanted to do without things so I could have car ins, but I have. I don't particularly like riding Valley Metro with a ton a camera equipment either, but I do it all the time. And I'm a freak magnet at bus stops.
I'm sure my DH would like to have car and not lug that bag of Kevlar gear on the bus twice a day but he does it. And we can afford to go buy a used car right now, but with my medical bills I don't think we could cover the ins too, so we don't have a car right now.
There are a lot of aspects of my life hippie that you do not know...I know, everybody accuses you of being my bestest buddy, lol...and the bus issue is not just a matter of the "riff raff", it is the timing and also phobias.

And, I did not say that I wouldn't sell things, I have and continue to do so. But, I refuse to sell one of my vehicles. One is paid off and another is almost paid off, why would I sell them? Only to have to go back into debt in order to get another one? Something also that would raise my insurance rates in the future.

My internet, well, that is something else to do with issues that I do not talk to just anyone about. If some do not understand it, so bet it. Besides, considering the things that I do sell are online, hmmmm, internet comes in handy. There is also the fact that I also do online surveys and such that make money. It would be kind of hard to do that.

No one knows what I have or have not done in my real life in order to make ends meet. No one knows the brick walls that I keep crashing into that put me 2 steps back. So, the point being, people are making assumptions based on their own personal life and experiences. This is the point that I am making.

[LuvBigRip]

Why is it when someone is explaining their side of a story it is considered defensive? And the above statement was stating that yes, if I were to have an accident that was my fault, it has the potential to cause someone financial hardship. But, the fact that I do not have insurance does not have any potential for causing bodily harm.

Really??? If you cause an accident that seriously injures someone, you will cause bodily harm. How will you pay their medical bills?

[freeby4me]

Maybe you need a little brush up, because in your previous post, the second post from the top of this page you clearly state "yep, I am not perfect like you guys".

My post was dead on about you, go back and read it again.

[tngirl]

Two vehicles are NOT a necessity, they are a luxury. There are many two income families that only have one. You are a one income family and cannot afford insurance on even one of them. Many of us have had to sell things we don't want to in order to survive. I even sold my blood to make ends meet. I have sacrificed meals so my kids could eat. I had the gas shut off and used an electric hot plate to heat water for baths so that the neccessities could be paid, and yes, insurance was a necessity, the internet was not.

I bolded a key sentence in your statement. Sometimes what we want and what we have to do are two entirely different things. Selling one vehicle would ease the financial burden and allow you to drive within the law. So what if you don't want to. Many of us have had to sell a really nice vehicle after a divorce to have one they could afford. Many of us have sold family heirlooms. Many of us have pawned wedding rings to have the money to pay for a bill. Many of us have done what had to be done and not made rationalizations. Many of us have taken the bus, with kids, in the heat of Las Vegas and Phoenix, for hours, while managing illnesses, school, work and families. Many of us don't accept rationalizations for breaking the law.
Let's see, no, 2 vehicles are a NECESSITY in my life. Read the above post also about the reasoning for not selling one of my vehicles and what you do and do not know about me or my life or what I have sold and willing to sell.

You do not know me well enough to make assumptions about my life. And the "perfect" comments have nothing to do with who or who does not have insurance, it has to do with the fact that you all assume you know what will work in someone else's life when you do NOT know what is happening in that person's life.

You do not know the events that happen on a day to day basis. You just want to set up on a high horse and pass judgement on those that may be less fortunate.

Heck, I sold some coupons for a few bucks. Now, I am probably going to have to refund the money because I screwed up. A few bucks may not seem like a lot to you, but it can pay for almost a gallon of gas or a gallon of milk. But, since I am the one that made the mistake, I will take responsibilty for my error and DO THE RIGHT THING.

[tngirl]

Maybe you need a little brush up, because in your previous post, the second post from the top of this page you clearly state "yep, I am not perfect like you guys".

My post was dead on about you, go back and read it again.
Had nothing to do with people having insurance. Has to do with people believing they are perfect and do no wrong. So, no, you don't know sh!t about me.

[ahippiechic]

Most of us only know what is posted, that's what we go by. I

I know that when I drove without ins years ago, there were no buses or taxi's and no one to car pool with, because I worked at bar in the boonies. I had to hide the money for ins so my ex-ass wouldn't know and beat me up for 'wasting' money. So I think I had a good reason to drive without it for a few months. But I was being irresponsible and know I was. So I'm not saying you are bad person or evil or anything just that I think you're being irresponsible.

And I would say this to anyone doing the same thing, it's not personal against you.

[tngirl]

Okay, just letting you guys know that I am done with this thread. So, go ahead and keep dealing out your opinions and advice to each other.

[LuvBigRip]

Why? Because one is paid off and one almost is? That is just more excuses and all the more reason to sell one. You would have more of a financial cushion.

[freeplease]

Our local police are always doing random "seabealt" checks. They also check for registration and insurance. If you get pulled over and don't have everything you need, you get hit pretty hard with tickets.

I only wish they'd have done this near the woman who hit us. Maybe she'd have been busy getting a ticket, instead of plowing into us.

[evrita]

I went all the way back to your original post and you can take the woman to small claims court for your dedutible and just because it was in a parking lot doesnt mean they didnt have to site her. If it was the law to have insurance ect and she was at fault then she got what she deserved. I know this because it happened to me a few months back but the state I am from we are required to have insurance and the state I was in they are NOT required to have it but they are required to be able to pay for damages done to a vehicle if they hit it.

If they cant then by law they will be issued a ticket to get insurance. I didnt want to go to small claims court for a 100.00 deductable which I carry but that option is out there and you can ask for your cost back in court fees also.

[iluvmybaby]

Really??? If you cause an accident that seriously injures someone, you will cause bodily harm. How will you pay their medical bills?

Apparently, growing up her parents forgot to teach her about what is a WANT and what is a NECESSITY. Two cars and only 1 person with a job is a WANT. A necessity is 1 car to get back and forth to work. Her parents also failed to teach her responsibility, she does not give a rip that she has the potential to seriously hurt someone(S) by accident and then not have a way to make restitution. Screw them, only she matters, right? Grow up, quit crying, be an adult and take responsibility. If you cant pay for insurance, EDITED and sell a car to pay your insurance. Or, make your boyfriend/husband/friend whatever who is driving the other car get a job and take responsibility and get a job. There are jobs if they are willing to work, even if it is flipping burgers. In closing, grow up, be an adult, take responsibility and quit whining. If you dont want opinions, dont post on a public board

[ahippiechic]

Apparently, growing up her parents forgot to teach her about what is a WANT and what is a NECESSITY. Two cars and only 1 person with a job is a WANT. A necessity is 1 car to get back and forth to work. Her parents also failed to teach her responsibility, she does not give a rip that she has the potential to seriously hurt someone(S) by accident and then not have a way to make restitution. Screw them, only she matters, right? Grow up, quit crying, be an adult and take responsibility. If you cant pay for insurance, EDITED and sell a car to pay your insurance. Or, make your boyfriend/husband/friend whatever who is driving the other car get a job and take responsibility and get a job. There are jobs if they are willing to work, even if it is flipping burgers. In closing, grow up, be an adult, take responsibility and quit whining. If you dont want opinions, dont post on a public board

Her husband isn't able to work right now.

[Jenefer3]

We were hit by some moron in the Walmart parking lot (speeding through the parking lot and not going in the right direction) and the officer showed up and said since it's private property, they can't site the person for anything, not even the fact that they were driving on a suspended license and had no insurance. The right side of my daughter's face/head got split open from right in front of her ear all the way to the back of her head, thankfully she just needed staples and it wasn't more serious but everytime I see her scars, which some are noticeable and others you have to look for, I get pissed off. My medical insurance and car insurance had to cover the cost of the damage to our car and all of our medical bills...all 4 of us went to the ER with some kind of injury (broken wrist, knee split open, lacerations). The ambulance rides alone were almost $1300 for each of us. I have not received one penny from this lady and it's been a couple years now.

I'm glad that she felt that going to Walmart was more important than following the law. The broken wrist and split knee I suffered, the injury to my daughter's face/head, and the injuries my other 2 suffered were definitely worth it I'm sure. Every day that I wake up with pain in my knee or my daughter complains cuz the kids at school make fun of her cuz of her scars, I stop and think, oh heck, it's just pain, physical and emotional, but at least that lady got to do what she wanted to do.

[tngirl]

Apparently, growing up her parents forgot to teach her about what is a WANT and what is a NECESSITY. Two cars and only 1 person with a job is a WANT. A necessity is 1 car to get back and forth to work. Her parents also failed to teach her responsibility, she does not give a rip that she has the potential to seriously hurt someone(S) by accident and then not have a way to make restitution. Screw them, only she matters, right? Grow up, quit crying, be an adult and take responsibility. If you cant pay for insurance, EDITED and sell a car to pay your insurance. Or, make your boyfriend/husband/friend whatever who is driving the other car get a job and take responsibility and get a job. There are jobs if they are willing to work, even if it is flipping burgers. In closing, grow up, be an adult, take responsibility and quit whining. If you dont want opinions, dont post on a public board
I wasn't going to reply again in this thread. But, considering your reply is the only one in this entire thread that I have really taken offense to, I couldn't resist.

I think the person showing themself to be an IDIOT is you. You come here and blurt out sh!t without knowing what you are talking about, obviously not reading what has been written previously. You come here and start calling me names and insulting me straight out.

And, I have no problem with opinions, I can take them or leave them. Never have I ever said any differently. It is people like you that piss me off, nobody else in this thread has.

[nightrider127]

Apparently, growing up her parents forgot to teach her about what is a WANT and what is a NECESSITY. Two cars and only 1 person with a job is a WANT. A necessity is 1 car to get back and forth to work. Her parents also failed to teach her responsibility
~~~~~~~~~~~~~~~~~~~~~~~~~

This would have been a lot better left unsaid. Parents, like children, need to be left out of the fray.

FYI, tngirl lost her Mom less than two years ago. She is still in pain from her loss. Shame on you.

Let me tell you this much. If someone was to post attacking either of my parents, I would be all over them like flies on sh!t

[evrita]

Apparently, growing up her parents forgot to teach her about what is a WANT and what is a NECESSITY. Two cars and only 1 person with a job is a WANT. A necessity is 1 car to get back and forth to work. Her parents also failed to teach her responsibility, she does not give a rip that she has the potential to seriously hurt someone(S) by accident and then not have a way to make restitution. Screw them, only she matters, right? Grow up, quit crying, be an adult and take responsibility. If you cant pay for insurance, EDITED and sell a car to pay your insurance. Or, make your boyfriend/husband/friend whatever who is driving the other car get a job and take responsibility and get a job. There are jobs if they are willing to work, even if it is flipping burgers. In closing, grow up, be an adult, take responsibility and quit whining. If you dont want opinions, dont post on a public board

I just have to say one thing I have been without 2 cars while my DH car was in the shop and let me tell you what living in bumblefrick neck of the woods it isnt just a want it is a NEED when the nearest store is 10 miles away and the nearest hospital is 15 miles away. We dont have public transporttation or cabs

[cinnamonch]

Apparently, growing up her parents forgot to teach her about what is a WANT and what is a NECESSITY. Two cars and only 1 person with a job is a WANT. A necessity is 1 car to get back and forth to work. Her parents also failed to teach her responsibility, she does not give a rip that she has the potential to seriously hurt someone(S) by accident and then not have a way to make restitution. Screw them, only she matters, right? Grow up, quit crying, be an adult and take responsibility. If you cant pay for insurance, EDITED and sell a car to pay your insurance. Or, make your boyfriend/husband/friend whatever who is driving the other car get a job and take responsibility and get a job. There are jobs if they are willing to work, even if it is flipping burgers. In closing, grow up, be an adult, take responsibility and quit whining. If you dont want opinions, dont post on a public board

And you know how her parents raised her? Are you telling me that you follow everything your parents taught or tried to tell you? Do your children (if you have any) follow everything you say or have said? A parent can only do so much and then its up to each individual to decide whether or not what they have been taught applies to them.

There is an assumption here that if one of the cars were sold that she would get enough money to pay for insurance on the other. Do you now what kind of car she has? Do you know what her insurance would run for her and her family? Lets assume she sold one of the cars for $1K but her insurance runs $2K, how will that change anything? She still wouldn't be able to afford insurance on the car remaining.

Tngirl has stated over and over again that she knows she needs insurance but she cant afford it. She has never said it is right. But like all of us, things have happened to her and she had to decide what she could let go until she can get it back.

[LuvBigRip]

The whole point is that if you cannot afford to operate a vehicle lawfully, then either do not operate it, or find a way to operate it lawfully.

[ahippiechic]

I grew up in BFE (no cabs buses or car pools) and even after getting married and having a child we usually only had one car that DH drove to work. So 2 cars are not a necessity. I got along for years with out one at all, much less 2.

[Njean31]

and the officer showed up and said since it's private property, they can't site the person for anything

what a crock of crap. so, why can't you rob a person in the parking lot then if it's private property and they can't do anything? that's crazy and sucks really bad.

[krisharry]

Wow, Here's my 2 cents on this-
freeplease-sorry that happened to you and i hope you are able to resolve it or get some kind of justice

tngirl- yes, many replies to you have been harsh because it is illegal to drive w/out ins and the fact that you do has upset many. That being said, many have offered suggestions that could help, when I was first married DH got hurt badly and was out of work for almost 2 years-we had no medical at the time and he received no disability or anything, I had to sell our bed to pay make my car payment and ins. payment one month, did I want to? of course not, but I needed to drive to get to work so we slept on an airmattress for a few months until I could afford another bed. So although I don't know your life I can empathize with being in a difficult situation, but it doesn't make it right to drive w/out and put others at risk. I hope that your situation improves soon and you can get ins as well as have some stress taken off of you. I also wish health for your DH and sis as well. Good luck.

[vicky122]

It does suck when your car gets hit and they don't have insurance. That also happen to my d/h truck. We had to pay the deductible. They suspend his plates and license and it took him two or three years to pay it off. Those that don't have it I wonder how you would feel if the shoe was on the other foot and you did have insurance and got hit by someone that didn't. And I am sorry But I don't understand people saying they don't have the money for this and that but the do for the internet.

[flute]

The jerk who hit me got away scott free too :( He had insurance but I was injured & have spent $3k on dr bills - what's worse is the cop didn't even take the accident SERIOUSLY - no "how fast were you going" no nada - rolling their eyes at me, I felt like I was crashing a party & the man who hit me LAUGHED at my baby's fear - she was 13 months old in a rear facing car seat to quote jerk "you should have see how big her eyes got they were HUGE hahahaha"

*sigh*

Life is so not fair :(

I am so sorry this happened!

[nightrider127]

Can someone please tell me where I can get car insurance as cheap as my internet costs?

Please let me know.

[ahippiechic]

Well my cable/internet/phone is 120.00 & I can get basic liability for 97.00 at Safe Auto.

[freeby4me]

Can someone please tell me where I can get car insurance as cheap as my internet costs?

Please let me know.

Well, I would like to know where I can get internet as cheap as the mortgage payment we have. Cant do that either but we manage.

[nightrider127]

I don't pay near that. Yeah, I have dial up. I don't do a lot on my puter except play around. I save the working end of the internet for down at work.

Does anyone know what type internet that Tngirl has? She could be on dial up too.

[ahippiechic]

I don't pay near that. Yeah, I have dial up. I don't do a lot on my puter except play around. I save the working end of the internet for down at work.

Does anyone know what type internet that Tngirl has? She could be on dial up too.

I don't know what kind of connection she has. I was listing ways that I would cut back to be able to afford it. Like I said we don't have a car because we can't afford the car payment plus ins right now, until my med bills are paid off. (If that ever happens) UNLESS I cut out my cable/internet/phone service for a few months. I work online mostly, so we decided to wait to get a car.

If I had to pay for ins so I could drive or pay for cable/internet/phone service, then I would get the ins 1st. Those other things aren't as necessary.

[freeby4me]

I don't pay near that. Yeah, I have dial up. I don't do a lot on my puter except play around. I save the working end of the internet for down at work.

Does anyone know what type internet that Tngirl has? She could be on dial up too.

Im sorry but I have a "so what" kind of attitude about it. This is a very important bill. It is illegal to not have insurance. It could cost more if she gets busted without insurance. The fines are hefty.
Having internet is a luxury and when you dont have money for your bills and food, luxuries come last.
We have money for our bills and our food. Our luxuries come after those.

[nightrider127]

Sure it's important. Not saying that it's not. But what my question is, if she was to give up her internet, would she have the money to pay for the insurance? My guess is no.

Funny, how some people can get on here, have a pity party and when someone says something about they have internet, tons of people come running to their defense as to why it's no one business how they afford said internet.

Things like that make a person go Hummmmmmmmmmmm.

[freeby4me]

Ok so she cant afford insurance so its just a "so what" about internet? Every penny counts when you dont even have enough for the bills. Even if your internet is 10 dollars a month, thats ten dollars that will go for insurance. What else is there thats "not enough to pay for the insurance"? What else can be cancelled/turned off/not bought to make up the money for the insurance?

[nightrider127]

Again I ask. Will $10 pay for insurance?

[freeby4me]

Again I ask. Will $10 pay for insurance?

Do you actually not see my point? Every single penny adds up. How many months of going without internet and other "it wont pay my insurances" will then pay for the insurance.

If you are ILLEGALLY driving, then you dont deserve luxuries when using the "I cant afford it" excuse.

Every single penny adds up.

[freeby4me]

Again I ask. Will $10 pay for insurance?

Ok let me answer this in as plain a way I can.

No. It will not pay for insurance. It damn well wont ever pay for insurance if you use all of the "this in itself wont pay for insurances".

[tngirl]

I could cancel our utilities.

I could cancell our cell phones, that would be a early deactivation fee of almost $200 per phone x 5 lines, yeah, I can swing almost a $1,000 for that. And just because my husband has a heart condition, nope we don't need any way to communicate with each other. (and why I have 5 lines on my account is nobody's business)

I could cancel magizine subscriptions...oh wait, I don't have any of those.

I could cancel the trips to the grocery store.

I could cancel the internet for how many months you say? Then have enough for insurance. Oh, but wait, according to you guys I can't drive my van so I can't go to work, so, I guess that won't work either.

[freeby4me]

Well, I guess you have it all figured out. Next time you do your budgeting, add in the fines and the costs of getting your license back.

[tngirl]

Well, I guess you have it all figured out. Next time you do your budgeting, add in the fines and the costs of getting your license back.
Budgeting? What's that? And you are the one telling me to cancel things to pay for insurance. I am just saying that I do not have anything to cancel.

And I do use my internet for selling stuff and also for professional reasons. It isn't just for fun. So, since you were being snarky with me...what is wrong with me being snarky back at you? Hmmm? Isn't that a two way street?

[cpbaby]

Good God, people.....I aint never seen such fussing.....and here I am telling my deepest, darkest secrets..........


Yes, I have went without car insurance before. First, it was just for overnight until I got paid...then, in the night, my child got sick and I couldnt leave them to even go to work to pick up my check, much less go get it, get it cashed and then go to the insurance office to pay it. Then, on Monday, I got to work to get my check, but I had Blue Cross/Blue Shield and had to pay the whole doctor's visit(It was a 80/20 after a $1,000 deductible. We didnt have a "$15 co-pay" then), plus meds and groceries and gas for work. THEN, That Friday, it was a short check(Missed the last Friday) and I had a light bill to pay PLUS yet another doctor's visit since he wanted us to come back in. The NEXT Friday, Yep, another short check since I had missed the previous Monday, so I had OTHER bills to pay....and it was a horrible cycle. Before you know it, you have been without insurance for more than a month and then you are thrown back in the "pool" so your rates are higher and you have to have this huge down payment, and it SUCKS.


Judge me if you will, but when it comes to utilities, food, and my child's health, YES, I let car insurance fall by the wayside.



And, before anyone starts, I made $5 a month too much to qualify for public assistance of ANY kind and my ex couldnt be found, much less be made to pay his child support.

[ahippiechic]

I agree that food, shelter and your child's health should come 1st. But not cable/internet/phone etc.

[tngirl]

I do not have a home phone. And if I DID cancel my cell phones, I would have to pay an outrageous amount. So, tell me the feasibility there? And then I would have to get a home phone...more money there. I can't do without a phone. My cell phone is also used for work so my customers can call me. If they can't contact me...no money to be made. See the cycle here? What you guys are advising is not feasible in my case.

[rlynn411]

I myself would not risk driving without any insurance. Our rates use to be really reasonable. We carry 100,000/300,000 - uninsured - under insured - comp and who knows what else. Since adding a 16 year old DS and a couple of cars our monthy payment to Allstate stings......$238 monthly - Ranger Explorer and Escape all have full coverage - Mustang (only insured for about 6 months a year then goes to comp only) and Kia liability only.

As much as I hate that payment I would not drive with out insurance. In a sue happy society its not worth the gamble. And obviously - it I had to park some of these cars to save money I would.

tngirl has to know the risk of driving uninsured - but it is what it is.

[tngirl]

I myself would not risk driving without any insurance. Our rates use to be really reasonable. We carry 100,000/300,000 - uninsured - under insured - comp and who knows what else. Since adding a 16 year old DS and a couple of cars our monthy payment to Allstate stings......$238 monthly - Ranger Explorer and Escape all have full coverage - Mustang (only insured for about 6 months a year then goes to comp only) and Kia liability only.

As much as I hate that payment I would not drive with out insurance. In a sue happy society its not worth the gamble. And obviously - it I had to park some of these cars to save money I would.

tngirl has to know the risk of driving uninsured - but it is what it is.
Oh, trust me, I do.

[jbbarn]

I live in a state that has recently begun to require ins. coverage.It is such a hardship to carry it.What pi**es me off the most is the fact that so many people around here get plowed into by illegals.Of course,they don't have any!
Nobody even knows who the Hell they are! Sooooo our insurance has to pay,and the Mexicans get a citation (WHATEVER!)
If every other driver on the road wasn't an unwanted illegal,we probably wouldn't feel so vulnerable without insurance! I know ya'll are probably tired of hearing it,but truth's truth!

[LuvBigRip]

But the risk isn't just to herself, the person she hits assumes that risk as well.

[freeplease]

Well, I got a bill today for the next six months of insurance. It went up $60. Uninsured driver costs? Yup, it went up. Coincidence? I think not.

[cinnamonch]

I agree that food, shelter and your child's health should come 1st. But not cable/internet/phone etc.

internet/phone comes 1st if it is your way of making your living.

[ahippiechic]

What we are all trying to say is that there are things that can be cut back on to be able to have ins. I just said that is what I would do. (and I do work online.)

[dv8grl]

...................

[tngirl]

And what I am saying is that there is NOT anything else that I can cut back on. I have cut out and done away with and cancelled what I can. And short of quiting my job and staying home, there is not really much else I can do. I pick up odd jobs when I can, but besides basic bills, I have other bills also. So, I continue to do this volital juggling act. I drive as little as possible and when I do, I drive even more carefully than before. Other than this, well, I don't know what to say.

Alot of the advice is good advice and has been taken in the manner in which it was offered. Other input here has been totally judgemental and insulting at times. A couple of people have used this thread and my admission of "guilt" as a way to get in a few jabs. I had said previously that I wasn't going to post anymore in this thread and I wasn't until someone decided to make it a personal attack against my character and insulting my mother and reducing themself to name calling, which was totally uncalled for. Those calling me irresponsible, I am not considering that a personal attack or name calling. But anyway, I am not officially NOT going to post in this thread anymore unless someone else wants to make it into a personal attack.

I only admitted that I was uninsured at this time because I just wanted to point out that things are not as black and white as some want them to be. Lots of things in life are, but this isn't one of them. I realize that there are people out there in my same position and I just wanted to be a "voice".

Thank you all for your advice and your concern.

[YNKYH8R]

Well, I am not a dead beat and at this time I do not have insurance. That is one of the things that lapsed due to financial woes. Of course, as soon as I get the money, it is getting put back on the vehicles. My biggest worry isn't that I will hit someone, but that someone without insurance will hit me. As for taking public transportation, I do live in the city and no way will I take the bus. I work 25 miles away and it would take me a couple of hours to get to work and home again. Plus, I am always having to transport for equipment for work...kind of hard to do on a bus. I basically drive to work and home and to the corner grocery.

I don't believe it is fair to call those without insurance dead beats. That is a rude assumption that everyone without insurance would not be willing to take responsibility in case of an accident or that they do not have insurance because they are irresponsible.:potkettle

[ilovecats]

:potkettle

You bumped this up again for that?

[iluvmybaby]

:potkettle

Ynkyh8r she is special, the laws do not apply to her, she is more unique then us as she can just pick and choose what she should have to do, and what she shouldn't have to do. I know that internet and cell phones are more important then insurance, or her losing her license or having her car reposed ((if it is financed.)) Maybe one day you or I can say, screw it, and just decide we are just as special as tngirl. I am from TN, I am already HALF as special, just from my location. I am so glad irresponsible people like her drive the same highways and interstates as I do, I have a lot to look forward to the next time I go for a spin :top:

[atprm]

Ynkyh8r she is special, the laws do not apply to her, she is more unique then us as she can just pick and choose what she should have to do, and what she shouldn't have to do. I know that internet and cell phones are more important then insurance, or her losing her license or having her car reposed ((if it is financed.)) Maybe one day you or I can say, screw it, and just decide we are just as special as tngirl. I am from TN, I am already HALF as special, just from my location. I am so glad irresponsible people like her drive the same highways and interstates as I do, I have a lot to look forward to the next time I go for a spin :top:

and you just HAD to post something so slanted because?? :slap

maybe she's not the "special" one... maybe YOU are.

and I am glad you are happy that people like me drive the nation's highways without insurance. What would make me happier, though, is if people like you would just pay for insurance for people like me -- you know...share the wealth.

I only need $1200 every 6 months for 2 vehicles -- brother can you spare a dime?

[tngirl]

Ynkyh8r she is special, the laws do not apply to her, she is more unique then us as she can just pick and choose what she should have to do, and what she shouldn't have to do. I know that internet and cell phones are more important then insurance, or her losing her license or having her car reposed ((if it is financed.)) Maybe one day you or I can say, screw it, and just decide we are just as special as tngirl. I am from TN, I am already HALF as special, just from my location. I am so glad irresponsible people like her drive the same highways and interstates as I do, I have a lot to look forward to the next time I go for a spin :top:

Yeah, at least I am smart and can do the math and know how to read and comprehend.

[jbbarn]

Ynkyh8r she is special, the laws do not apply to her, she is more unique then us as she can just pick and choose what she should have to do, and what she shouldn't have to do. I know that internet and cell phones are more important then insurance, or her losing her license or having her car reposed ((if it is financed.)) Maybe one day you or I can say, screw it, and just decide we are just as special as tngirl. I am from TN, I am already HALF as special, just from my location. I am so glad irresponsible people like her drive the same highways and interstates as I do, I have a lot to look forward to the next time I go for a spin :top:

That's just mean and snarky!!
Hell the woman wants insurance! She can't afford it at this point in time!
She is neither irresponsible,nor is she a criminal! Let's beat up on somebody when they're down,shall we?
SHEESH!
:nono

[msmom79]

ummmmmmmmmmm wow!! it is mandatory to have ins here in mo-but we all know some people dont-thats why there is uninsured drivers ins on my policy-now let me say this ,i have full coverage it cost me 358.00 every 6 months-its actually not that much a month if it is broken down.i had to get full coverage,when i got my truck,i was hit 2 times 2 months apart-first accident was a hit an run,i hit a telephone pole after the guy hit me and left-totaled my truck,and did cause me neck and back problems-well my ins,covered everything ,because i have the uninsured motorist on my policy-i only had my truck back a week and a guy ran the red light and slammed me agian-needless to say he had ins-but the pain i indured,all over agian was terrible-i will never be like i was agian-now i'm not judging anyone-- i'm just glad i carry uninsured motorist on my ins. and its hard for me to pay 358 every 6 months-i live alone,and sometimes tips arnt the best-myself i have had ins for alot of years,i think thats why my full coverage is so cheap-but not really cheap. alls i can say to everyone is stay ,safe friends-and try not to judge,cause it could be you one day!

[YNKYH8R]

You bumped this up again for that?I didn't know this thread existed. I read through till her post and I commented on it. I didn't know there was friction over this topic.

Like I always say "If you air your dirty laundry people may comment on the size of your underwear."

[tngirl]

I didn't know this thread existed. I read through till her post and I commented on it. I didn't know there was friction over this topic.

Like I always say "If you air your dirty laundry people may comment on the size of your underwear."
Adam, it isn't a matter of someone commenting on the size of my underwear, it is the matter of someone not bothering to read and not knowing the facts and deciding to make a personal attack. For the most part I have caught flack throughout this thread...no biggie, knew I would when I posted. But, someone making it a personal thing is really going a bit far. And considering this person is the same person that wanted to drag my parents into it and insult my husband, yep, that is really making it personal.

[Bahet]

and you just HAD to post something so slanted because?? :slap

maybe she's not the "special" one... maybe YOU are.

and I am glad you are happy that people like me drive the nation's highways without insurance. What would make me happier, though, is if people like you would just pay for insurance for people like me -- you know...share the wealth.

I only need $1200 every 6 months for 2 vehicles -- brother can you spare a dime?

No. But I have offered free financial advice to any member of my site and I have extended that offer to members here. I will ask you to keep track of every penny of income and out-go for a month so I can help create the best budget possible. Sadly, very few people are willing to do that. They come to me and want a magic wand waved but they don't want to extend any effort whatsoever to changing their financial picture. If you or TN or anyone else are willing to put at least as much work as I am to helping fix your finances then PM me.

[iluvmybaby]

That's just mean and snarky!!
Hell the woman wants insurance! She can't afford it at this point in time!
She is neither irresponsible,nor is she a criminal! Let's beat up on somebody when they're down,shall we?
SHEESH!
:nono

YES it was mean and snarky, I have been hit by an IRRESPONSIBLE uninsured driver, she is a criminal because she is ILLEGALLY driving a car in the state of TN, which requires all vechiles have PLPD. How can you say that isnt a CRIMINAL act. Until your life has been impacted by the stupidity of others, you cant comprehend what it is like to have your car hit and damaged and the jerk that did it decided they were SPECIAL and didnt require insurance because they couldn't afford it, but they could afford to have a car? To me, a criminal act is a criminal act, whether she jumps someone, drives a car with no insurance, or robs Circle K. When we start picking and choosing to follow this law but not this law, what kinda world are we going to live in?

[tngirl]

YES it was mean and snarky, I have been hit by an IRRESPONSIBLE uninsured driver, she is a criminal because she is ILLEGALLY driving a car in the state of TN, which requires all vechiles have PLPD. How can you say that isnt a CRIMINAL act. Until your life has been impacted by the stupidity of others, you cant comprehend what it is like to have your car hit and damaged and the jerk that did it decided they were SPECIAL and didnt require insurance because they couldn't afford it, but they could afford to have a car? To me, a criminal act is a criminal act, whether she jumps someone, drives a car with no insurance, or robs Circle K. When we start picking and choosing to follow this law but not this law, what kinda world are we going to live in?
And this gives you the right to insult my family and to insinuate that my husband is a low life deadbeat husband living off of my income. And to say the hateful things you have said? I am not the driver that hit you and I have not hit anyone else. So, you have no right to insult me or degrade me due to the actions of someone else that you have had an encounter with.

Believe it or not, my husband DOES have a job. Unfortunately, he is unable to work at this time. I could really care less what your opinion of me, but I am not going to just sit here and continue to let you insult me. Fine, give your opinion, not insults. Others have found a way of giving their opinion without attempting to be cruel.

If you had hoped to hurt my feelings, sorry it didn't work. Because you are not the kind of person that I allow that kind of power. So, keep on with your insults and continue to act like the very uninformed person that you are. It shows your small mentality.

[tngirl]

No. But I have offered free financial advice to any member of my site and I have extended that offer to members here. I will ask you to keep track of every penny of income and out-go for a month so I can help create the best budget possible. Sadly, very few people are willing to do that. They come to me and want a magic wand waved but they don't want to extend any effort whatsoever to changing their financial picture. If you or TN or anyone else are willing to put at least as much work as I am to helping fix your finances then PM me.
Bahet, I hope you know that you were one of the people that I include in the opinions that I felt meant well. Your advice is solid advice.

[tngirl]

:potkettle
I won't argue that point. It is a double standard in a way. But, just wanted to say, THANKS A LOT ADAM!!:getyou

[evrita]

I just have one question exactly what size are your undies *runs and hides *

[tngirl]

I just have one question exactly what size are your undies *runs and hides *
Damn, EV, not to personal of a question is it?:slap I will just say...big and leave it at that.:)

[nightrider127]

Well I would tell what size she wears but she swore me to secrecy.

[tngirl]

Well I would tell what size she wears but she swore me to secrecy.
And you had better remember that missy.:slap Don't forget, I have things I could tell, also.

[YNKYH8R]

I won't argue that point. It is a double standard in a way. But, just wanted to say, THANKS A LOT ADAM!!:getyouSorry. If I lied I wouldn't be a very good friend.

[jbbarn]

YES it was mean and snarky, I have been hit by an IRRESPONSIBLE uninsured driver, she is a criminal because she is ILLEGALLY driving a car in the state of TN, which requires all vechiles have PLPD. How can you say that isnt a CRIMINAL act. Until your life has been impacted by the stupidity of others, you cant comprehend what it is like to have your car hit and damaged and the jerk that did it decided they were SPECIAL and didnt require insurance because they couldn't afford it, but they could afford to have a car? To me, a criminal act is a criminal act, whether she jumps someone, drives a car with no insurance, or robs Circle K. When we start picking and choosing to follow this law but not this law, what kinda world are we going to live in?

Actually,my life has been severely impacted
in the past by an illegal Mexican with no insurance!
Also, I once hit a car,a freakin' caddy,no less,when I had no insurance.
It took me a long time,but I paid for her car! I was not a criminal! I was not irresponsible! I was a divorced mother,with no child support,working two jobs to pay for NECESSITIES! Insurance wasn't required in our state at that time.
Would I have been any better able to afford it if it had been? No! Was I committing a crime by not having it then? No, but I still totalled someone else's car.If you hit somebody and don't have ins., you have to pay for it,or lose your tags and license,that is,if you're an American citizen. That doesn't mean everybody can afford it!

[LuvBigRip]

But if it is required by law in your state, and you cannot afford it, then you are abusing the priveledge of driving.

[speedygirl]

It's law here and if you get caught the penalties are stiff. One part of the fine is paying a years worth of insurance at the highest rate. They've been known to do stings at roundabouts here. If they stop someone with an expired tag there is often a chance that they don't have their premiums up to date. It's one of those fines and jail time that they actually follow through on. People with violent crimes sometime get less time then some people without insurance. Go figure.


Massachusetts law requires that all cars have insurance on them with the minimum limits of $20,000/$40,000 for bodily injury and $5000 for property damage.

Compulsory motor vehicle liability insurance is discussed in chapter 90: Section 34J of the General Laws of Massachusetts. Here it states that being without insurance on a motor vehicle is punished by a fine not less than $500 nor more than $5000 or by imprisonment for not more than 1 year or both the fine and jail time.

The law goes on to say that any person convicted of being uninsured shall be liable for the amount greater of $500 or 1 year's premium for compulsory motor vehicle insurance for the highest rated territory and class or risk in effect at the time of the commission of the offense.

A person cited for driving without insurance may also have their driver's license suspended for 60 days by the Registry of Motor Vehicles and likely their registration and tags to the vehicle suspended as well.

Massachusetts is one of the most highly regulated states in the union. This causes much higher rates and less options for most consumers.