All SC members (especially Columbia area) please read

Some years ago I was rear ended. The woman who was driving was all upset. The highway patrol came and wrote her a ticket for the failure to reduce speed and we got her insurance information. I thought everything was good to go.

When we contacted her insurance company we found out that she didn't have insurance. My insurance company filed it under the uninsured motorist on my policy. Farm Bureau went after her in court for the damages.

The one lesson learned is to call their insurance company at the scene if possible to verify coverage. The lady skipped free with no charges for no insurance.

Now we know why she was so bent out of shape about the accident.


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11B CIB said:
You’re right, the check he wrote to the company to initiate the policy could’ve bounced and then they’d terminate the policy. BUT state law requires it
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What I meant was, (as an example) Joe Schmuckatelly buys a car from a dealer. Gets insurance. Has a wreck/DUI/etc and rates go up, license is revoked. Drops insurance, tags get revoked, lienholder sends notices and bills. Guy has no license, and a blatant disregard for everything else, so he dodges the bank repo truck. I hope that's not the case, but I know dirtbags like that exist, and that's why I have uninsured/underinsured coverage.
 
Scott Free said:
What I meant was, (as an example) Joe Schmuckatelly buys a car from a dealer. Gets insurance. Has a wreck/DUI/etc and rates go up, license is revoked. Drops insurance, tags get revoked, lienholder sends notices and bills. Guy has no license, and a blatant disregard for everything else, so he dodges the bank repo truck. I hope that's not the case, but I know dirtbags like that exist, and that's why I have uninsured/underinsured coverage.
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In my experience, Lenders will put a policy on the vehicle if the individual doesnt maintain a proper coverage and adds it back to the balances owed.
 
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Mike Overlay said:
In my experience, Lenders will put a policy on the vehicle if the individual doesnt maintain a proper coverage and adds it back to the balances owed.
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Yeppers. And they'll send out a notice telling you so and that it goes onto your loan, and that once you provide proof of insurance coverage of your own, they'll drop theirs and quit charging you for it.

I THINK that insurance companies notify the lien holder when insurance lapses. I learned about this when my first wife left, taking the car with her, and she let the insurance lapse on it. Got a notification from the bank about it, then went right out and reinsured it myself.

As for cost for the lien holder providing the insurance coverage, I don't know. I reinsured my care right away, so whatever the amount was, it was minimal. I find it hard to believe, though, that they're going to charge $50 a day. That's $1,500 a month. Also, a lien holder forcing insurance will ONLY cover the vehicle...because that's their investment in the loan covering the vehicle. There is NO coverage for the driver.
 
Climberman said:
So I am assuming they found him and arrested him? Nice. Any word on insurance? I am going to assume that he probably didn't have any.
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Even if the owner has insurance, assuming the owner is someone else, there will still be issues because an unlicensed driver drive the car. A sticky one. Hopefully it works out.

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Scott Free said:
He could still be driving a financed car without insurance.
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But then the registration would also be voided. Insurance is linked to license and registration. If insurance lapses they Serbs a notice to DMV who then suspends the registration. That would be a pile in charge for the driver.

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I don’t have a happy ending with this.

Two weeks ago, the officer calls and tells me due to his inability to track down the driver, he’s closing the case. I walk to the police department (my office is a block away) and ask to speak to someone in the chain of command. His patrol sergeant comes out. I tell the Sgt that closing the case is unreal; I found the driver got into ANOTHER wreck just ten days after mine, was cited for too fast for conditions and DUS 2nd offense and released. What car was he driving? Who owns it? Track that down and also wait at the court for the two hearings he has coming up. Once I said that, the Sgt started grilling me, like using the public judicial index was a crime. It seemed like he was trying to find wrong doing on my part in order to threaten me with it so I’d go away. I tell the Sgt that despite what the investigating officer says, I’ve got witnesses/statements that show the fleeing driver’s route all over town in an attempt to evade the police within the town limits. I provided this map and statements to him and he said they’d work on “all of it”

Just got a call yesterday; no explanation other than they’re closing it for real and to pick up the updated accident report for my insurance company.

I’m emailing the Chief. This is insane. I did all their work for them except knock on the guy’s door.
 
Ikarus1 said:
But if you went and took it out of his ass, they'd be quick to charge you. That's why it's not a 'justice system' anymore (or perhaps, ever was) just a legal system, and you ain't a part of it.
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That’s exactly what has been going through my mind
 
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Find a lawyer who knows the Chief. It'll be more effective than contacting him yourself. The Lawyer is in the Club.
 
Talk to TV news reporters, thus will make a good story on how these liwlifes get away with this because the Police officer is lazy.

We all should just drop coverage and drive like hell.

added: Call the Sgt and ask him when would be a good time to have the TV News crew come down for an interview with him on how he helped get a habitual DUI driver off the streets, he can make his dept look good or like a pile of dog feces.
 
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11B CIB said:
I don’t have a happy ending with this.

Two weeks ago, the officer calls and tells me due to his inability to track down the driver, he’s closing the case. I walk to the police department (my office is a block away) and ask to speak to someone in the chain of command. His patrol sergeant comes out. I tell the Sgt that closing the case is unreal; I found the driver got into ANOTHER wreck just ten days after mine, was cited for too fast for conditions and DUS 2nd offense and released. What car was he driving? Who owns it? Track that down and also wait at the court for the two hearings he has coming up. Once I said that, the Sgt started grilling me, like using the public judicial index was a crime. It seemed like he was trying to find wrong doing on my part in order to threaten me with it so I’d go away. I tell the Sgt that despite what the investigating officer says, I’ve got witnesses/statements that show the fleeing driver’s route all over town in an attempt to evade the police within the town limits. I provided this map and statements to him and he said they’d work on “all of it”

Just got a call yesterday; no explanation other than they’re closing it for real and to pick up the updated accident report for my insurance company.

I’m emailing the Chief. This is insane. I did all their work for them except knock on the guy’s door.
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Sucks man. But I have lost most of my confidence with the system, and your post doesn't inspire any positives either

Ikarus1 said:
But if you went and took it out of his ass, they'd be quick to charge you. That's why it's not a 'justice system' anymore (or perhaps, ever was) just a legal system, and you ain't a part of it.
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Hah, they would have to prove it was him (@11B CIB that is) done it.
 
They could make a lot of money booting or towing cars when the insurance coverage lapses,
take the car and you can't drive it. Habitual DUI DWI drive should also have to wear ankle tracker,
that would prove he was in the car at the time of that accident.
 
Ikarus1 said:
But if you went and took it out of his ass, they'd be quick to charge you. That's why it's not a 'justice system' anymore (or perhaps, ever was) just a legal system, and you ain't a part of it.
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Show me a court house that says "Victims Justice Center" instead of criminal justice center.

It doesn't exist for a reason.
 
RetiredUSNChief said:
Yeppers. And they'll send out a notice telling you so and that it goes onto your loan, and that once you provide proof of insurance coverage of your own, they'll drop theirs and quit charging you for it.

I THINK that insurance companies notify the lien holder when insurance lapses. I learned about this when my first wife left, taking the car with her, and she let the insurance lapse on it. Got a notification from the bank about it, then went right out and reinsured it myself.

As for cost for the lien holder providing the insurance coverage, I don't know. I reinsured my care right away, so whatever the amount was, it was minimal. I find it hard to believe, though, that they're going to charge $50 a day. That's $1,500 a month. Also, a lien holder forcing insurance will ONLY cover the vehicle...because that's their investment in the loan covering the vehicle. There is NO coverage for the driver.
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Chief, these A Holes NEVER intended to pay for the vehicle...or the insurance...or the taxes. Once they put down the DP on the vehicle, pay the insurance and get their proof faxed on a BAD check. They go the next day and get tags and they are THROUGH. They never pay another dime. Never intended to. They are out only a minimum Down Payment, Tags and registration. All the rest is nonexistent. So the finance company adds insurance and charges to the payments that these turds aren't gonna and never were gonna pay.
I had a man that worked for me for a while that boasted to his coworkers that he only paid 2 or 3 months rent a year to live in a house. Deposit to get in, then not another dime. It took months to get him out and by then he was ready to move again.
These folks are predators. I despise them. Never think they don't know exactly what they are doing. It's the plan.
 
11B CIB said:
Just got a call yesterday; no explanation other than they’re closing it for real and to pick up the updated accident report for my insurance company.

I’m emailing the Chief. This is insane. I did all their work for them except knock on the guy’s door.
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Sorry to read this. A similar experience caused a lot of my negative views of the cops and the legal system. They'll go after a guy who steals a moped, but anything that requires more than the minimum, forget about it.
 
A friend of ours was very recently involved in an accident with an illegal who stayed at the scene. He had no license, no insurance and it wasn’t even his car. Cops allowed him to leave the scene once they were done.

Downtown Raleigh.
 
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I recall an episode of Gas Monkey Garage, the restored '67 Mustang was being test drive when it got hit by a guy in a pickup truck w/o insurance. He got a ticket and was allowed to leave.

Just give them tickets, sanctuary city Raleigh NC.
 
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Years ago I got hit by a guy without insurance, his policy had lapsed because he hadn't paid the bill. I carry uninsured motorist coverage, so my insurance fixed my truck, with a $100 deductible.

The told me they would go after the driver and when/if they recovered their money, they would refund my deductible. Almost 2 years later I got a refund check for $100 from my insurance.
 
Shaming always works. Buy an ad in the paper or tell the media what a lazy bunch the police are?
 
I’ve got some resolution but the story behind it just makes things worse for the level of incompetence involved. At a kids birthday party right now so I’ll post it later
 
So, after getting a call to come pick up the closed out and BS police report with nothing useful on it, I wrote an email to the police chief. I laid out everything that happened from the wreck, to the lack of investigation, to how I was treated for asking questions and doing research, to the complete and utter failure to do anything, and hit send.

This is where I get *some* forward progress and where the failures really come to light.

Four hours later, a supervisor at the PD is blowing my phone up. I ignored three calls and answered the fourth.

Because of my email, they went through the case from start to finish. Guess what they found? The witness who had chased the guy from the very beginning had given them the make, model, color, PLATE NUMBER, and a description of the driver. They could’ve impounded the vehicle the first time they went to the residence, before the vehicle was gotten rid of. I could’ve already been going after his insurance. You name it. When the supervisor was sheepishly relaying this to me (this is the same guy who pushed back on me for finding info out on the public index), he was also chewing out the worthless patrol officer who missed that data sheet given to them by dispatch from the 911 call the chaser made.

Unreal
 
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