the uninsured motorist reality

[_ajax18]

I knew several people who either died or had family members die from motorcycle accidents in Brazil. They're everywhere down there, and they weave between cars when traffic comes to a standstill. Craziness.

Miami isn't much better.

[_EAllusion]

At the end of the day, the underlying issue is your friend had something unlucky happen to him. The person responsible for the accident lacked the means to pay for the long-term economic damages, and no lawsuit is going to squeeze blood from a stone.

I thought that was why they forced people to purchase automobile insurance but apparently they don't. That's the reality of uninsured motorist. It costs less to pay the ticket than purchase the insurance.

The Louisiana law you are referring to requires purchasing insurance that covers up to $15,000 in single person bodily injury liability. You said the medical bills for this person costed 500k even before you get to the long-term disability. Even if this driver had insurance, it wouldn't begin to cover the expenses involved.

[_ajax18]

What you need to realize is that your motorcycle-riding buddy bears most of the blame for this:

As always. The double standard of this ridiculous law that everyone purchase car insurance and insurance for those who refuse to purchase it has amazed me since I was 5 years old and first learned about it.

But yes, we're all ultimately responsible for our own lives. Try telling that to Black Lives Matter demanding to be able to resist arrest and disrespect police officers and walk away unscathed without any consequence. Changing the world is impossible even for them. As my late Uncle always said, "You have to adjust yourself to the world, the world is not going to adjust to you."

[_ajax18]

The Louisiana law you are referring to requires purchasing insurance that covers up to $15,000 in single person bodily injury liability. You said the medical bills for this person costed 500k even before you get to the long-term disability. Even if this driver had insurance, it wouldn't begin to cover the expenses involved.

So why even have the law force people to purchase car insurance?

[_ajax18]

I thought that was why they forced people to purchase automobile insurance but apparently they don't. That's the reality of uninsured motorist. It costs less to pay the ticket than purchase the insurance.

The Louisiana law you are referring to requires purchasing insurance that covers up to $15,000 in single person bodily injury liability. You said the medical bills for this person costed 500k even before you get to the long-term disability. Even if this driver had insurance, it wouldn't begin to cover the expenses involved.

And you've never answered my question about what exactly does it mean that the car may be impounded. Who decides whether it's impounded and why? Do you not know or are you just unwilling to address the question?

[_EAllusion]

So why even have the law force people to purchase car insurance?

The case you are referring to is an outlier in terms of accident-related injury expense. Insurance provides cushion for more common cases. It's just math. Ask Analytics to break out one of his tables.

Why do you have insurance?

[_EAllusion]

But yes, we're all ultimately responsible for our own lives. Try telling that to Black Lives Matter demanding to be able to resist arrest and disrespect police officers and walk away unscathed without any consequence.

Where's the law that says it is illegal to to "disrespect a police officer?" Where does it set up the police officer as the judge, jury, and executioner for violating that law?

I found some laws in the Constitution that says "no."

[_EAllusion]

A common idea in the crowd that covers police misconduct is the belief that there is a widespread culture among American police that they feel justified in punishing people for "contempt of cop" meaning behaving in a way the police officer finds to be disrespectful to them or their authority.

So the reason there's a 1000+ videos floating out there of police abusing protesters is that enough police interpret those protests as disrespectful of them and enough of them feel justified in harming those who disrespect them, that you get a wave of police violence and misconduct so large that recorded examples are legion. It's more than one or two bad apples, but rather a widespread attitude.

This is meant as a criticism of an attitude that justifies illegal behavior, but Ajax is all, "No, you rightly better expect consequences for contempt of cop and quit complaining if they happen."

[_Analytics]

What you need to realize is that your motorcycle-riding buddy bears most of the blame for this:

As always. The double standard of this ridiculous law that everyone purchase car insurance and insurance for those who refuse to purchase it has amazed me since I was 5 years old and first learned about it.

But yes, we're all ultimately responsible for our own lives. Try telling that to Black Lives Matter demanding to be able to resist arrest and disrespect police officers and walk away unscathed without any consequence. Changing the world is impossible even for them. As my late Uncle always said, "You have to adjust yourself to the world, the world is not going to adjust to you."

What double standard?

The way the tort system works is that if somebody accidently causes you harm, they have to pay for the damages. But if they don't have the money to pay for the damages, you are SOL. A law that says you have to have 20k in insurance so that you can pay up to 20k in damages is pretty silly compared to how big the damages can be, but it isn't a double standard. All drivers need to know that if somebody causes huge damage in an accident, the person causing the damage most likely have between zero dollars in insurance and $20,000 in insurance. That means you need to have the money or insurance to take care of yourself for all damages above that.

If the person who causes you damage happens to have assets, you can sue the hell out of them, and their assets probably won't even come in to play because they'll probably have insurance to pay a nice settlement. But if a normal person hits you, you are screwed regardless of whether they have minimal coverage.

[_ajax18]

Where's the law that says it is illegal to to "disrespect a police officer?" Where does it set up the police officer as the judge, jury, and executioner for violating that law?

We're talking about being responsible for your own life. If this man bears the blame for what this woman did to him, than surely these people who push the limits and incite violence with police officers bear some personal responsibility for their situation as well.