Tom's Hardware: Topic K-Mart Drivers License
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| Quote : The problem is obviously with you. Haven't you learned patience and understanding in church? |
I think that was also one of the things they taugh on turn the other cheek Sunday, Sorry DH I missed that service! 
<A HREF="http://forums.btvillarin.com/index.php?act=ST&f=41&t=2541" target="_new">My Rig</A>
<font color=blue>________________________</font color=blue>
<font color=red>You are all going to go to Hell!
That's too easy... How about two weeks driving in the Chicago area during rush hours!! 
<font color=blue>GO CUBS GO!</font color=blue>
<font color=red>GO CUBS GO!</font color=red>
I'd rather be at Wrigley Field!
<font color=red>{</font color=red><font color=blue>FPS</font color=blue><font color=red>}</font color=red>
| Quote : You're mistaken, K-mart doesn't sell licences. They are given out as prizes in Cracker Jack boxes, and occasionally in Happy Meals. |
ROFLMAO!
| Quote : In Vancouver it is common practice in the oriental community for one family member to get a licence and share it with their siblings. Dong Sung Kim? is that male or female? The picture is so bad, it could be anyone. |
Now thats not funny! Thats actually scary, to think theres actually drivers out there with no driving skills what so ever, of course some of the drivers I've seen lately fall into the same classification, even with a legal drivers license.
<A HREF="http://forums.btvillarin.com/index.php?act=ST&f=41&t=2541" target="_new">My Rig</A>
MI has No Fault Insurance... The only thing your responsible for is the deductible on your insurance.. They consider parking lots private property & aren't under the jurisdiction of the police to write tickets. They don't even come out to a parking lot to look. They just write your name down, if that. You call your insurance & they pay for it - the deductible.
Same thing if your in a wreck, even if some one is killed. You may get a ticket for being in the wrong, but all it's going to cost you is your deductible.
It's a sort of weird system we've had for a lot of years. Premiums are based off of the deductible. I carry $100 (Highest Cost) deductible. You can get it in $100, $250, $500, & $1000. If you run a beater, you just pay a flat No Fault Fee & if you wreck it your just out a car.... The other guy is covered by his deductible.. Hence - No Fault.
Dazzle them with Brilliance, or Baffle them with BS! 
<font color=red>{FMCD}</font color=red>
I don't know why but I was hearing Twilight Zone music playing in my mind when I was reading your post!
<A HREF="http://forums.btvillarin.com/index.php?act=ST&f=41&t=2541" target="_new">My Rig</A>
It's a weird system, for sure!! It's run by the state to keep costs down, whether it does or not is a matter of debate...
You get to many points on your license & you go into a High Risk Pool. The company's that do business in the state have to pick you up out of the pool. So until you loose your license, you still insurable, but it will cost more!!!
Dazzle them with Brilliance, or Baffle them with BS!
<font color=red>{FMCD}</font color=red>
| Quote : That's too easy... How about two weeks driving in the Chicago area during rush hours!! |
Man talk about memory lane, when I was in the Navy at Gunnery school in Great Lakes Illinois, a couple of my buddies and I, on liberty, took a Cab through Chicago siteseeing, I almost crapped my pants, the cabdriver got us to our destination, but he totally scared the crap out of all of us, if I didn't remember anything else about Chicago, I remembered the Cab ride.
<A HREF="http://forums.btvillarin.com/index.php?act=ST&f=41&t=2541" target="_new">My Rig</A>
That is true in IL, but it is bullschit... It is an extra add-on to my policy for uninsured motorist, so I have to pay more. I might still pay my deductable, I am not sure. And I also heard that if someone who isn't insured totals my vehicle, MY insurance rates go up because I file a claim... I hope that isn't all true, but that is how it was explained to me!!
<font color=blue>GO CUBS GO!</font color=blue>
<font color=red>GO CUBS GO!</font color=red>
I'd rather be at Wrigley Field!
<font color=red>{</font color=red><font color=blue>FPS</font color=blue><font color=red>}</font color=red>
Yes, that's it. The uninsured driver is in a world of sh-t though. You have to have a Proof Of Insurance to even get your plates. Your insurance company is reimbursed out ot the Uninsured Driver Fund that you pay a fee to through your plates, every time you buy them.
If your say a vegetable form a wreck. The persons insurance that hits you, just writes out a check for top rate they'll pay. In my case it would be $150k. After that you go into a Catastrophic Injury Fund, that you also pay into with your plates. You can be on that the rest of your life, if your injured that bad. They just raised the rates here because of the Catastrophic Injury Fund was running low!!!
You also give up the right to sue an individual driver & I haven't seen the fund be sued yet. It's been here for most of my adult life.
Dazzle them with Brilliance, or Baffle them with BS!
<font color=red>{FMCD}</font color=red>
Yes, that's right. Anything that exceeds the $100k ($100k is the min. anyone can have), you go into the Catastrophic Injury Fund. That's Public Liability.
Property Damage is the other part of it, this is funny, I have $1,000,000 on that. That covers anything you hit such as a building / business, anything but another vehicle, = Property Damage.
There is no suing. That right is given up. I have heard of people taking someone to Small Claims Court to try & recover there deductible, but the ones I know that did that, didn't recover it.
I've never had my rates go up over a wreck. I had them go up because I had a van stolen once under No Fault. We bickered a lot over the value of the van & when we finally settled it, (6 months) they canceled me because of Losses Incurred, they said. So I went to another company & with no points on my record, I actually got cheaper insurance. Points on your record drives up your rates & fast!!
If your interested, do a Google on MI No Fault Insurance. There's a lot of info there. I couldn't pick any one site for you there. There are some calculators for rates, I believe. I'd like to know how much cheaper No Fault is, if it really is.
Dazzle them with Brilliance, or Baffle them with BS!
<font color=red>{FMCD}</font color=red>
It's all State run. It was voted on by the people, years ago. Started sometime in the 70's, so it works, but it's always funny to explain it to someone that doesn't have it.
Dazzle them with Brilliance, or Baffle them with BS!
<font color=red>{FMCD}</font color=red>
It's mandatory for anyone that drives here. Well, unless your like a GM. They're self insured. With all there lawers & assets they can & do, insure themselves.
Dazzle them with Brilliance, or Baffle them with BS!
<font color=red>{FMCD}</font color=red>
I didn't mean to crack on you at all. I was just trying to explain a thing that even I find weird & hard to figure myself.
I think it's fine. Never a problem with it. Get in a wreck. Cop issues tickets or not. That day, call your insurance, take it into one place to have the damage estimated by there assessor & they'll write a check on the spot. Any body shop in the state will fix it for that quote + your deductible. It streamlines everything.
When I got my van stolen that was a hassle. It wasn't so much the no fault, it was the value I had in it at the time I had to fight for. I bought it as a shell & fully customized the whole truck. That was in 78. Paid $5800 for it new, but I had $10,000 into it easy.
That's another funny thing about the no fault. Anything bolted into the van was covered by auto insurance. Anything loose, like my tapes, at the time, was covered on my home owners insurance. I had a bunch of chains & tools & such I had to get out of my home owners insurance, with another deductible..
Dazzle them with Brilliance, or Baffle them with BS!
<font color=red>{FMCD}</font color=red>
The down side is the funds that run it. If they get low, all rates raise. Such is the case with the Injury Fund. To many injured for the fund to cover the costs. The legislature is always doing something with it.
Originally it was to cut insurance costs. It's been so long now, that i doubt it's any cheaper that any other program in another state has. It could cost more, for all I know. When it started, if you didn't want to have insurance for yourself, you could pay $35 for No Fault to cover the other guy. You'd just loose your car. That went away after the first year.
Dazzle them with Brilliance, or Baffle them with BS!
<font color=red>{FMCD}</font color=red>
One of the things they're trying to stop here in MI is the insurance companies are using your credit information to set your rates. They say if you don't pay your bills on time, your more prone to have a accident, because you don't pay attention. Lot's of things going on about that now. They're trying to out law it.
Dazzle them with Brilliance, or Baffle them with BS!
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Like everything else, once government gets involved, hang on to your wallet!!!
Dazzle them with Brilliance, or Baffle them with BS!
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LOL
<font color=red>{Forum Master Coors Drinker}</font color=red>
Dazzle them with Brilliance, or Baffle them with BS!
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