I think this should become a felony. If you drive without at least liability insurance you go to prison if you have an accident. If you aren't responsible enough to maintain proper insurance then you aren't responsible enough to drive.
The main reason is that insurance companies are probably protected by our government. It's a big money maker to have responsible driver's get not only liability but also uninsured coverage.
If you can't afford to pay insurance then ride the bus or walk. I am very irritated that I have to pay to protect myself from these people. It's wrong and people should not be able to get away with it.
2007-12-13 09:40:08 · 11 answers · asked by Veritas et Aequitas () 7 in Politics & Government ➔ Law & Ethics
The reason I ask is mainly because I had a friend who almost lost life to an unisured driver. Guess who had to pay the medical bills, etc.?! Plus when somebody has nothing they are judgement proof.
2007-12-13 09:46:13 · update #1
And I do know that prison is not logical. I also think that a lot of people are locked up for things I don't agree they should be locked up for. Unless the crackhead hasn't injured anyone or committed a legitimate crime then smoking their life away is no concern of mine. I think prison reform is long overdue.
2007-12-13 09:52:24 · update #2
The situation is a little more complicated than you seem to understand. The premium rider for underinsured or uninsured protection is because some U.S. States have lower minimum coverage requirements than others.
If you're in an accident with a motorist from one of those lesser minimum coverage requirement states with a vehicle registered there ... you're protected for the difference. Vehicles registered in your state must be insured for the minimum coverage required in your state. Insurance companies can not issue coverage for less than the state law's minimum.
There will always be irresponsible people who drive without insurance. We need protection against accidents with them. Of course they shouldn't be driving, but they do it anyway. They often get thrown in prison for it if they are a repeat offender or have a serious accident (loss of life or great bodily injury). It's a sad state of affairs, but they exist. Police in many states pull random check points ... looking for uninsured motorists and they arrest them. I've been through these quite often.
2007-12-13 10:01:29 · answer #1 · answered by Anonymous · 0⤊ 0⤋
I do agree that there should be a zero tolerance policy for driving without insurance. However jail time in an already overcrowded penal system may be pushing it.
Driving without insurance, even if there has not been an accident should carry a minimum penalty of your vehicle being impounded (with a hefty levy) and you license being suspended.
2007-12-13 09:45:03 · answer #2 · answered by smedrik 7 · 0⤊ 1⤋
You're right.
Roughly 60% of your insurance premiums are due to Uninsured Drivers. Unfortunately, this has also led many people to generate increased hostility toward Illegal aliens, since they are more inclined not to have insurance as well.
Its a huge issue!!!
2007-12-13 09:44:25 · answer #3 · answered by Kiker 5 · 1⤊ 0⤋
I wish it had a heavier penalty too. Too many insurance companies charge outrageous rates because of the payouts they have. No company name, but I have a spotless driving record of nearly 30 years, and I pay $88.00 per month.:(
2007-12-13 09:44:40 · answer #4 · answered by Neescousin 5 · 0⤊ 0⤋
well luke I hope u never run for president...lets let the crack heads out and put these uninsured motorist....the reason it is not a felony is simple intent....stupid is not a good enough reason to put someone away god trust me I wish that was the case....now let that person intentionally harm someone then we get to put them away....u could live in mexico if u dont like it here....car insurance...essay how about people on welfare that lie about there income how about them too..
2007-12-13 09:47:54 · answer #5 · answered by Anonymous · 0⤊ 0⤋
insurance is a rip off anyways the state should just charge everyone and extra 20 dollars a month in takes and have an insurance cover cover us with full coverage.
2007-12-13 09:44:26 · answer #6 · answered by Joel R 2 · 0⤊ 0⤋
Hey I got a "habitual offender" on my license and barred for a DUI in 2001. a driving under suspension in 2004 and 2007. Three unrelated offenses in over six years. Now I dont know if I can EVER get my license back. Is that fair?
2007-12-13 10:22:56 · answer #7 · answered by primalclaws1974 6 · 0⤊ 1⤋
Our prisons are already crowded. Locking up the morons who drive without insurance is not going to help anything.
2007-12-13 09:44:06 · answer #8 · answered by TAT 7 · 1⤊ 2⤋
Felony seems a little too serious but they should at least make it a misdemeanor. It's only a violation in Oregon!
2007-12-13 09:55:57 · answer #9 · answered by Eisbär 7 · 0⤊ 1⤋
Well, you do it enough, and you lose your license. Probably more appropriate and more painful.
2007-12-13 09:43:10 · answer #10 · answered by scottclear 6 · 0⤊ 0⤋