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post #1 of 78 (permalink) Old 09-07-2006, 01:04 AM Thread Starter
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no insurance + accident

No, not for me. Asking for a retarded friend. He crashed into a car that pulled out infront of him, the guy in the car got a ticket. My friend gave the cop all the info before he went off in an ambulance. My friend has an insurance card, but he cancelled the policy a while ago. So he basically gave a cop an insurance card for a policy he doesn't even have.

SOooooo who thinks somebody is going to check that he actually has insurance?
Personally, I think he's fuckered up right.
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post #2 of 78 (permalink) Old 09-07-2006, 01:08 AM
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they will check when the guy in the car goes to court, or even before then when his insurance companys tries to get your friends insurance company to pay for the damages to the car.
"insurance companys will push crap back and forth"

your friend is fucked.



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post #3 of 78 (permalink) Old 09-07-2006, 01:27 AM
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I'd say he is definitely fucked, the insurance WILL be checked. However, since the guy in the car got a ticket and the damage is significant, your friend can try to sue car driver's insurance company. I'd say he needs to find a good lawyer.

I also think he will get a ticket himself for the lack of insurance, but he still can sue. It will be a smart idea to show up in court, to make sure that guy's ticket will not be thrown out (it will make his own case stronger).
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post #4 of 78 (permalink) Old 09-07-2006, 01:33 AM
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Tell him to get a lawyer asap!
post #5 of 78 (permalink) Old 09-07-2006, 01:35 AM Thread Starter
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Well I'm going to guess the damages are pretty bad, he went off in an ambulance and never even got a chance to look at the bike...but he said he hit the car right in the side at 40mph.

I think he should be fine as far as getting the bike taken care of from the other driver...but I hear the penalties for not having insurance and getting into an accident are pretty damn bad.
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post #6 of 78 (permalink) Old 09-07-2006, 01:35 AM Thread Starter
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Quote:
Originally Posted by G2G
Tell him to get a lawyer asap!
That's the plan, he actually works for one.
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post #7 of 78 (permalink) Old 09-07-2006, 01:37 AM
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Quote:
Originally Posted by jimzx9r
but I hear the penalties for not having insurance and getting into an accident are pretty damn bad.
Not sure about specifically this case, but if I remember correctly, the "no insurance" ticket is $500. Which is bad, but not fatal.
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post #8 of 78 (permalink) Old 09-07-2006, 01:57 AM
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That's the plan, he actually works for one.
Hey Jim I bet your friend made the face of your avatar once he realized what deep shit he was in after the accident.


Hope he is OK
post #9 of 78 (permalink) Old 09-07-2006, 02:03 AM Thread Starter
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Quote:
Originally Posted by G2G
Hey Jim I bet your friend made the face of your avatar once he realized what deep shit he was in after the accident.


Hope he is OK
He's okay, just banged up...I was talking to him online for a bit earlier. Maybe he'll show up and post.
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post #10 of 78 (permalink) Old 09-07-2006, 02:25 AM
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He cancelled the policy but chose to still ride.
Hmm.
M'kay.

Hope he did not lie to the officer about having insurance and just kept his mouth shut and handed over the paperwork without saying anything.

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post #11 of 78 (permalink) Old 09-07-2006, 06:02 AM
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et an insurance ASAP. They can't post date tickets.

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post #12 of 78 (permalink) Old 09-07-2006, 06:09 AM
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As soon as the guy he hits files with his insurance they are going to check the info from your friends and he is F'ed

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post #13 of 78 (permalink) Old 09-07-2006, 06:31 AM
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Most likely the fault for the accident will shift to the guy who shouldn't have been on the road in the first place. I think he should be prepared for a big fine and possible license suspension in addition to a repair bill.

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post #14 of 78 (permalink) Old 09-07-2006, 06:35 AM
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Let me sum it all up: LAWYER ASAP
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post #15 of 78 (permalink) Old 09-07-2006, 06:48 AM
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Let me sum it all up: LAWYER ASAP
ditto
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post #16 of 78 (permalink) Old 09-07-2006, 07:01 AM
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I'm thinking that since the guy in the car got the ticket, not your friend than no one will check his insurance. Correct me if I'm wrong, but the cop doesn't keep the insurance card he just looks at it at the scene for proof of insurance. It's up to the guy on the bike to call his own insurance company about the accident and since he won't be doing that, then no one should be the wiser. I could be completely wrong here but it doesn't sound like the accident was your friends fault.
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post #17 of 78 (permalink) Old 09-07-2006, 07:26 AM
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BB1881 is actually correct... at least in certain situations.

Back in my younger days when I was flat broke all the time I couldn't afford insurance on my beater car. I'm ashamed to admit it but I did the same thing your friend did to get a current insurance card. While living in Montana I was rear-ended by a drunk driver. She fled the scene but after I got her plate numbers.

I gave the state trooper my info, which included the old insurance card, before being taken away in the ambulance. I was really worried about not having insurance but I never received any violation notice.

The woman's insurance company contacted me and sent an adjuster to look at my poor car ('87 Sentra and she was in a mid 80's Caddy). A week later I had a check.

So your friend isn't necessarily screwed. He can choose to deal with the other driver's insurance company directly and unless the officer checks things out with your friend he probably doesn't have much to worry about.

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post #18 of 78 (permalink) Old 09-07-2006, 07:26 AM
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Quote:
Originally Posted by BB1881
I'm thinking that since the guy in the car got the ticket, not your friend than no one will check his insurance. Correct me if I'm wrong, but the cop doesn't keep the insurance card he just looks at it at the scene for proof of insurance. It's up to the guy on the bike to call his own insurance company about the accident and since he won't be doing that, then no one should be the wiser. I could be completely wrong here but it doesn't sound like the accident was your friends fault.

no the insurance information is written down on the police report. The cop may not have given him a ticket on the scene.

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post #19 of 78 (permalink) Old 09-07-2006, 07:28 AM
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Quote:
Originally Posted by clearwaterms
no the insurance information is written down on the police report. The cop may not have given him a ticket on the scene.

Read my post. I had almost the exact same thing happen to me and I never received a violation notice.

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post #20 of 78 (permalink) Old 09-07-2006, 07:37 AM
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Quote:
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Read my post. I had almost the exact same thing happen to me and I never received a violation notice.
How many years ago was "back in my younger days"?

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post #21 of 78 (permalink) Old 09-07-2006, 07:41 AM
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Quote:
Originally Posted by BusaDave
How many years ago was "back in my younger days"?

It happened 9 years ago. I was 21.

They caught the woman and she ended up serving jail time for DUI and hit and run.

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post #22 of 78 (permalink) Old 09-07-2006, 08:10 AM
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Quote:
Originally Posted by Chills
It happened 9 years ago. I was 21.

They caught the woman and she ended up serving jail time for DUI and hit and run.
I take it the state had a madatory insurance law?

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post #23 of 78 (permalink) Old 09-07-2006, 08:43 AM
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Ease of verifying said information is a lot quicker and easier today than 9 years ago. *PLUS* it's revenue protection, be prepared to get called on it.

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post #24 of 78 (permalink) Old 09-07-2006, 08:50 AM
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Quote:
Originally Posted by Paladin
I take it the state had a madatory insurance law?

Yep, minimum liability.

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post #25 of 78 (permalink) Old 09-07-2006, 08:52 AM
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Quote:
Originally Posted by Arch
Ease of verifying said information is a lot quicker and easier today than 9 years ago. *PLUS* it's revenue protection, be prepared to get called on it.

Very good point. Things might be different in IL.

Jim's friend might get in trouble for riding without insurance, but honestly I doubt that it'll get any worse. I don't think there will be any ruling against him for his part in the accident.

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post #26 of 78 (permalink) Old 09-07-2006, 11:11 AM
 
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Quote:
Originally Posted by Odysseys
they will check when the guy in the car goes to court, or even before then when his insurance companys tries to get your friends insurance company to pay for the damages to the car.
"insurance companys will push crap back and forth"

your friend is fucked.
Doesn't have to be. My mom was in an accident that was not her fault and she did all of the disputing with the other drivers insurance company. She agreed to all the medical and everything. She said she had a company, but was in a similar situation. They asked several times for the # to her insurance and she refused it. Got it all accomplished on her own.
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post #27 of 78 (permalink) Old 09-07-2006, 11:30 AM

 
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He'll probably never get a ticket for insurance as long as he had a card.

I had some drunk dumb *** total my 4 day old Acura Integra. He went to the hospital and I asked for a blood test for alcohol when they got him there. I know he didn't have insurance.

But magically, he had an insurance card when he went to court. It was of course bogus. My insurnace carrier had to go after him since it was his fault. As far as the courts were concerned, he had an insurance card with a valid date. So they didn't care.

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post #28 of 78 (permalink) Old 09-07-2006, 11:33 AM
 
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im not hiding from you guys it was me that was hit. My policey no. was writtin on the police report. It's a 50-50 chance apparently. I work for a law firm so I'm not scared about gettin a lawyer i just want my bike fixed or a new one. go 'head and scream at me if u must shit happens. i had my hlemet on and no broken bones fromt he xrays. im just sore as shit right now
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post #29 of 78 (permalink) Old 09-07-2006, 11:34 AM
 
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I had a valid insurance card that was dated till '07 i didn't say anything about it i hand the card over he wrote the policy number down and i went home.
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post #30 of 78 (permalink) Old 09-07-2006, 11:42 AM
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Quote:
Originally Posted by Currupt247
I had a valid insurance card that was dated till '07 i didn't say anything about it i hand the card over he wrote the policy number down and i went home.
Good, they can't get you for lying to an officer then.

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