Author Topic: I NEED TO RELEASE SOME FEELINGS (Read 1017 times)

williamlayton · « **on:** July 10, 2012, 02:20:34 AM »

It won't do any good or create any change but I am pissed.
I try and do my part by keeping up insurance to protect me and others who I live around. My car--the red Mustang--was damaged the other day, in a parking lot, by a woman who only got insurance for long enough to buy a car and get it lic'ed. Then let it lapse.
She is talking on a phone as she is driving in a crowed parking lot---I have parked--opened the door and have one leg ong the ground when she wheels into the spot next to me and strikes my door--jambing itinto my car---thank God, not into my leg.
Then when I get mad all she can say is "I said I am sorry--what more do you want of me?"
I am pissed and can't do anything about it---you ca't get blood from a turnip.
Than God I have uninsured motorist protection.
Anybody out there who drives without insurance should be shot and dumped in a bar ditch.
Blessings

Dee · « **Reply #1 on:** July 10, 2012, 02:26:27 AM »

I thought the State of Texas had taken care of this past routine of short term insurance, for purchase, and licensing. We used to arrest the driver, and impound the vehicle, for the offense, ESPICIALLY involving an accident.
It might not work William but, if I were you, I would go after the FINANCE COMPANY if there is one. They DO have insurance, and are responsible under Texas Law to make sure their investments are legal. It might not work, but then again it might.

Conan The Librarian · « **Reply #2 on:** July 10, 2012, 02:29:16 AM »

You may think I'm a bit heavy handed, but here's what I really think:
1) She should be arrested, booked, and charged with the equivalent of a felony robbery because she did enough damage to your car such that if it were a theft, it would be at a felony level.
2) You should press charges and she should be tried criminally and forced to pay restitution and/or serve jail time.
3) Her car should be seized and impounded and her license revoked, and you should have a legal claim to the car, at least putting a lein on it, until your repair bills are satisfactorily paid.
4) You should go after her in civil court for hardship and other claims, thus resulting in wage garnishment, seizure of property, and a large cash settlement to compensate you for anything the criminal process didn't comensate you for, and to pay you for your time.

And by the way, what in the world is wrong with our laws if we don't even have basic responsibilities such as car insurance codified into law. Isn't it illegal to drive without insurance?

zacharoo · « **Reply #3 on:** July 10, 2012, 02:48:18 AM »

Why is it some people have to obey the law and some don't. The things that keep us buying insurance an others not is PRIDE IN ONE'S SELF AND RESPECT FOR THE LAW!!!

Dee · « **Reply #4 on:** July 10, 2012, 03:04:53 AM »

William has a nice car. I've seen it. I wonder given Williams location if the driver had a Spanish accent. Those were the majority of folks I, and my officers dealt with. Not prejudice, just an observation thru experience. It was very popular back in the day to do what this lady did. So popular, Texas has tried to prevent it with laws concerning it. There is also one other group that does this.

yellowtail3 · « **Reply #5 on:** July 10, 2012, 03:05:11 AM »

WellWilliam if she dinged yer car she could pay for the damage, regardless of insurance or lack

Dee · « **Reply #6 on:** July 10, 2012, 03:09:19 AM »

A damaged door jam, and door is a little more than a ding. If she doesn't have insurance she most likely doesn't have money.

hardertr · « **Reply #7 on:** July 10, 2012, 03:26:54 AM »

Sorry his happened to you William.

I had something similar happen just before Christmas..... 2 DAYS after I finally got back home to the great state of Texas.

It was a young kid (17y/o) who had his license revoked and was driving his mom's F150. He almost T-boned me when he blew through a stop sign. Fortunately, I accelerated and he hit our rear quarter panel.

I was debating on wether to take him/his mom to court, but decided to go the "uninsured motorist" route. It was a heck of a lot cheaper, and easier, to pay my $100 deductible and let USAA deal with them.

About 3 months later, I received a $100 check from USAA refunding my deductible. I guess they got their money from the driver.

One thing I did learn - If you drive ANYWHERE nowadays, uninsured motorist is worth every penny. I guess I am essentially paying extra because others don't have insurance. BUT, that few bucks I did spend on it saved me from a $7000 repair bill I would have been responsible for otherwise.

BBF · « **Reply #8 on:** July 10, 2012, 03:35:27 AM »

That is why you have Uninsured Driver coverage on your Insurance.
As far as I know, the Insurance Co. with their own lawyers and resources are now going to squeeze out every penny they can get from the offender.

Up here, depending on which Province you are in, the Insurance Co notifies the financial Institution if you cancel or loose coverage and for all I know the DOT is informed as well.

williamlayton · « **Reply #9 on:** July 10, 2012, 03:53:57 AM »

Well, for one thing--it was in the parking lot of a graocery store. From my understanding of the law, from police officers, all they can do is write a report.
She had an insurance card but the payments were not being made and they denied coverage before I got off the phone making a claim.
I called the police and they said they would not investigate but for me to come by the station and fill out a "blue" form and send it to the state.
Blood out of a turnip is not worth the aggrevation.
What made me mad is a call from the insurance co. this morning saying she had made a claim for repairs to her car---which were denied, on the spot by state farm. They said that they had already filled a request to subrogate her for their expenses--and mine--if that is any consolation.
I would almost welcome her filing suit as it might open a whole can of legal worms for her.
Dee--good to see you back on line- Call if you get this way so we can have dinner.
Blessings

ratdog · « **Reply #10 on:** July 10, 2012, 04:19:29 AM »

a few year ago my son was killed on his motor cycle a woman pulled out in front of him killed him instantly she has been trying to sew my x sister in law.she didn't even get a ticket believe that.

Dixie Dude · « **Reply #11 on:** July 10, 2012, 04:29:58 AM »

There is a big difference in driving on public streets and required to have insurance, because you can kill, injure, or damage another person's property. Medical insurance only affects the person needing it. However, if the government didn't REQUIRE doctors and hospitals from taking people with no insurance, it wouldn't have to be paid by us in taxes. Only life threating emergencies should be handled by emergency rooms. People with colds, flu, even a minor broken bone, should be turned away unless they sign over something of value, like their cars, or such as colateral for payment. They had some way of getting to the emergency room. If they are poor, they can get Medicaid. If they don't qualify, they need to think about it.

m-g Willy · « **Reply #12 on:** July 10, 2012, 04:41:37 AM »

Well the wife was hit by a woman with insurance.
Her ins. company said THEY would send someone out to determine the damage.
Body shop said they would fix it for $1600.
Her ins. adjuster said it could be fixed for $1200
I could've taken it to court but didn't have the time so they skated with $400 .
I would have been better off if she didn't have any ins.Then MY ins. would covered the whole thing.

oldandslow · « **Reply #13 on:** July 10, 2012, 05:11:40 AM »

In my town the city cops won't even respond to an accident in a parking lot. Their excuse is it's private property and they have no jurisdiction. Wonder how that would work for you if you killed someone in that parking lot or your home? Could you deni them entry because it's "private property"?

Some how I doubt it. The city boys just don't want to do any more work than they absolutely have to.

The state police have a different outlook about accidents in parking lots. According to them if it is there for public use it doesn't fall under the definition of private property and they will respond to accidents, investigate, and issue citations. Good for them.

We have a financial responsibility law. I don't know how well it is enforced.

yellowtail3 · « **Reply #14 on:** July 10, 2012, 05:13:34 AM »

William - did you get the 5.0 in your 'Stang?

ironglow · « **Reply #15 on:** July 10, 2012, 05:28:22 AM »

Dee says;
" I thought the State of Texas had taken care of this past routine of short term insurance, for purchase, and licensing."
******************************************************************************
Hey Dee;
Maybe some politicians wrote a new law especially for illegal aliens..
*************************************************************************

Know how you feel William..I have a new car, no marks on it..till this morning I discovered that a nick in the paint on the left rear wheel well.
Why in blazes can't some bumbles watch where they swing their doors in the parking lots ?

tobster · « **Reply #16 on:** July 10, 2012, 06:07:47 AM »

In Indiana anyone caught driving without insurance has their license revoked. The problem is many times the driver with no insurance also has no license to begin with. Many times the newspaper will list an arrest for Driving Under the Influence, no operators license, no insurance, and false identification. I wonder if those statistics are figured into the cost of illegal immigration?

SHOOTALL · « **Reply #17 on:** July 10, 2012, 06:16:13 AM »

how about small claims court ? get a judgement ?

really sporry it happened , I would be pizzed also. and agree 100% about what should be done !

DEACONLLB · « **Reply #18 on:** July 10, 2012, 06:30:53 AM »

No they wont do anything about an accident in a parking lot but if you park in a Handycap spot they will gladley stop and give you a ticket. I have seen them driving the walmart lot a number of times writing tickets, easy money and no having to go to court of course if you dont have a handycap sticker you should not be there anyway. My son had a lady back into his new truck and you could not see the dent unless you looked close and and where she hit his truck it required a new door, cost her insurance co. 3,500. to fix.

Deaconllb

Dee · « **Reply #19 on:** July 10, 2012, 06:33:38 AM »

I ran across this same experience years ago, when a kid ran into my ex-wife. I took him to Texas "small claims", requested a 6 man jury and got it. He "hired a lawyer", and I represented my wife. I beat them in court, filled a judgement against him. And never collected a cent. If William can, he should let his Insurance Co. go after the woman, and her lender should there be one. Otherwise, the accident will stay on his insurance record for 3 years, although it wasn't his fault, should he collect from his insurance. Unless the law has changed.

AtlLaw · « **Reply #20 on:** July 10, 2012, 06:49:19 AM »

Wellsir, since every state is sovereign, at least until the people of this country give away their freedon, which reminds me of a line from one of the "Star Wars" movies: "So this is how the republic dies; to thunderous applause..." but I digress.

Anyway, for now we are a union of Sovereign states, each with a constitution and it's own laws. And I can only respond to your comment based on Jawja Law.

Just for the sake of argument don't cha know...

Quote from: oldandslow on July 10, 2012, 05:11:40 AM

Their excuse is it's private property and they have no jurisdiction.

You'll hear the same thing here. What they really mean is that traffic laws do not apply to private property. So they can't give anyone a ticket. Some agencies may do a report out of courtesy, others may not. Atlanta used to give the parties a state report of accident form, an SR13, to fill out themselves. BTW, some things that people consider traffic offenses, like DUI, really are not and the private property thing doesn't apply.

Quote

Wonder how that would work for you if you killed someone in that parking lot or your home? Could you deny them entry because it's "private property"?

Good luck tryin that!

Actually, you may be able to deny the police entry onto your property, depending on the circumstances of the instant situation, but that doesn't mean you didn't violate a law against taking a life, if there is such a law in your jurisdiction.

Quote

The state police

Now we don't got no state police here in Jawja. We have a "State Patrol" They actually would NOT have jurisdiction on private property or most streets here in Jawja. If we had a State Police, they would have the same jurisdiction and limitations that the local police would in a private property accident scenario within the local LE agency's jurisdiction.

Quote

have a different outlook about accidents in parking lots. According to them if it is there for public use it doesn't fall under the definition of private property and they will respond to accidents, investigate, and issue citations.

This is true in certain, legally defined, situations. And just being there for public use, like a mall parking lot, is NOT one of those situations in Jawja. Again, application of the definition is the same for local or state agencies.

Finally, in Jawja, the state can suspend a persons driver's license and registration if they let their insurance lapse. And the Ins. Companies are required to inform the state if anyone does that. But, in this day and age, uninsured motorist coverage is a necessity! IMNSHO!!!

And thanks O&S, for giving me the opportunity to sit here and pontificate!

It makes me feel good about myself... $:-\$ 'course that bit about traffic laws not applying to private property could use some more discussion... but, maybe I'd better

ironglow · « **Reply #21 on:** July 10, 2012, 07:40:00 AM »

Very strict here in the "People's Republik" on driving with anything out of order. Many police agencies, even "local yokels" have a device in their cruiser which "read" the license plate..then goes immediately to the state DMV..and the cop is ready to write a fellow up as he stops him a half mile down the road ! Whether it is insurance, late inspection or whatever..they are raking in the bucks.
Still; it sometimes takes a accident to expose a yahoo without insurance, registration or even a license

SHOOTALL · « **Reply #22 on:** July 10, 2012, 09:06:12 AM »

Here in Va some get cars in fake names the run if they have an accident or get pulled . They drive clunkers and in the long run save money.

mcbammer · « **Reply #23 on:** July 10, 2012, 10:38:05 AM »

Quote from: SHOOTALL on July 10, 2012, 09:06:12 AM

Here in Va some get cars in fake names the run if they have an accident or get pulled . They drive clunkers and in the long run save money.

I drive a clunker just in case some idiot hits it . Also theres lots of deer hit on the state highways around here & and they carry no insurance either.

Cabin4 · « **Reply #24 on:** July 10, 2012, 11:14:14 AM »

Quote from: TM7 on July 10, 2012, 03:03:00 AM

Kinda like Obamacare going after the 'free riders' we all support...I hate to say. No, I'm not big on .
.
.
..TM7

Nice try but no cigar.

The car insurance requirement is only on the liability side. You are not required to cover your owned car or yourself. So the mandatory car insurance requirement is only to protect others, not yourself and only applies if you drive a car. obamacare take this to a new level and you are required to cover yourself birth to death.

hillbill · « **Reply #25 on:** July 10, 2012, 01:14:04 PM »

persue best yu can. here in MO no insurance is a license suspension and a lot of hassle and cost to the driver. id make sure that happens.mite not git yur stang fixed but could make yu feel better.im totally sik of unresponsible people!

williamlayton · « **Reply #26 on:** July 10, 2012, 11:14:54 PM »

Let's clear up one thought that I should have addressed in my original post.
The woman is pure Texas white trash. Now the car is a 2011 Dodge Charger.
My car will be given back to me this week, repaired by a good body shop and I am stuck with a $4,000 loss of value.
Bar ditches should be the dumping grounds for such people--and then the buzzards and soil benefit--not to mention society.
Blessings

magooch · « **Reply #27 on:** July 11, 2012, 02:52:03 AM »

I agree with Dixie Dude.

What is a bar ditch?

Cabin4 · « **Reply #28 on:** July 11, 2012, 03:06:18 AM »

Quote from: TM7 on July 11, 2012, 01:49:51 AM

C4....don't want to digress on this thread to much and hoping Mr. Layton's mustang recovers nicely. But I think there is a certain similarity in part, but perhaps not perfectly.
.
When 'free riders' get sick,,,we payers pay with higher HC rates and/or taxes.
When uninsured 'free riders' crash into my car I again pay with higher rates before and after the event.
.
Naturally, if a free rider crashes his car alone..he pays or walks away, unless he can sue a payer...same if a free rider gets sick and dies without med care,,,nobody pays, but that would be rare.
.
So there's a certain similarity, and actually I'm for free riders paying their fair share with both cars and HC. But I'm aware of two of the NE states (on the East coast no less!) I visit don't require auto operators to have any insurance to drive if I recall correctly; and I also see the 'freedom' in that...everybody takes his own chances by God's grace.
.
..TM7

How about the covering of illegals in the HC plans? How does that tally up for costs in the system to us all?

We all know were this is headed. Every slug that comes here illegally or is here illegally is going to get a free health care plan. I'm curiuos how this expansion of coverage & cost will benefit those of us who actually pay into the sytem today?

The HC bill is a welfare farse, a means to redistribute wealth and garner votes for democrates. And that is all there is too it.

nw_hunter · « **Reply #29 on:** July 11, 2012, 04:32:40 AM »

Quote from: magooch on July 11, 2012, 02:52:03 AM

I agree with Dixie Dude.

What is a bar ditch?

Just a ditch along side a roadway to drain water.Could be one around a tavern

I know the feelings William! I've always come up on the short end of an accident.
Even lost a Daughter to one a few years ago.All the insurance in the world won't repair that loss.Hope the venting helps you.Parking lot accidents are a real B---h!

My wife hates me parking so far from the store fronts, but I like to get as far away from the traffic as i can get. Just for that very reason.