If Live:PD is any measure, it seems that niggers simply don’t give a shit about having car insurance, because society revolves around them.

People vote with their actions. 25%+ drivers on the road are completely unlicensed - it's a futile, money grabbing racketeering project. If such a sizeable portion of the population doesn't support a law it shouldn't be on the books. We are a democratic-republic, not a 51% mob

AOC is concerned with retarded white people.
Attachments:

Putting aside the racist vitriol, car insurance protects those who have assets they could lose if they are sued for an accident they are at fault for. If someone doesn't have a lot of assets, a $1 million dollar judgement against them doesn't really mean much as bankruptcy could simply wipe it away.

It is why it is a good idea to:

1) Buy car insurance that has coverage valued at around your net worth.
2) Don't assume someone who injuries you with an accident they are at fault for has the means to make you whole, either through insurance or through a lawsuit. Invest in some disability insurance, and see about getting a Uninsured motorist coverage rider on your own car insurance policy.

who car insurance protects Wrote:
-------------------------------------------------------
> Putting aside the racist vitriol, car insurance
> protects those who have assets they could lose if
> they are sued for an accident they are at fault
> for. If someone doesn't have a lot of assets, a $1
> million dollar judgement against them doesn't
> really mean much as bankruptcy could simply wipe
> it away.
>
> It is why it is a good idea to:
>
> 1) Buy car insurance that has coverage valued at
> around your net worth.
> 2) Don't assume someone who injuries you with an
> accident they are at fault for has the means to
> make you whole, either through insurance or
> through a lawsuit. Invest in some disability
> insurance, and see about getting a Uninsured
> motorist coverage rider on your own car insurance
> policy.

By getting on the road in the first place, you knowingly put yourself at risk. You can't control other people but you can control yourself If you can't handle that, walk, bike or buy a horse?

All traffic laws are simply revenue generators disguised as public safety. The autobahn did fine for decades until Germany realized they were missing out on cash. Obviously the laws don't work for prevention and they rarely help clean up after. You're being played

who car insurance protects Wrote:
-------------------------------------------------------
> Putting aside the racist vitriol, car insurance
> protects those who have assets they could lose if
> they are sued for an accident they are at fault
> for. If someone doesn't have a lot of assets, a $1
> million dollar judgement against them doesn't
> really mean much as bankruptcy could simply wipe
> it away.
>
> It is why it is a good idea to:
>
> 1) Buy car insurance that has coverage valued at
> around your net worth.
> 2) Don't assume someone who injuries you with an
> accident they are at fault for has the means to
> make you whole, either through insurance or
> through a lawsuit. Invest in some disability
> insurance, and see about getting a Uninsured
> motorist coverage rider on your own car insurance
> policy.

No, insurance is a REQUIREMENT to operate a vehicle legally so that should you INJURE another party, you will have access to sufficient funds to make amends. It has absolutely nothing to do with one's net worth, and everything to do with protecting the public from reckless drivers. It's not an option, and it isn't predicated one's "assets."

hope an uninsured driver hits U Wrote:
-------------------------------------------------------
> who car insurance protects Wrote:
> --------------------------------------------------
> -----
> > Putting aside the racist vitriol, car insurance
> > protects those who have assets they could lose
> if
> > they are sued for an accident they are at fault
> > for. If someone doesn't have a lot of assets, a
> $1
> > million dollar judgement against them doesn't
> > really mean much as bankruptcy could simply
> wipe
> > it away.
> >
> > It is why it is a good idea to:
> >
> > 1) Buy car insurance that has coverage valued
> at
> > around your net worth.
> > 2) Don't assume someone who injuries you with
> an
> > accident they are at fault for has the means to
> > make you whole, either through insurance or
> > through a lawsuit. Invest in some disability
> > insurance, and see about getting a Uninsured
> > motorist coverage rider on your own car
> insurance
> > policy.
>
> No, insurance is a REQUIREMENT to operate a
> vehicle legally so that should you INJURE another
> party, you will have access to sufficient funds to
> make amends. It has absolutely nothing to do with
> one's net worth, and everything to do with
> protecting the public from reckless drivers. It's
> not an option, and it isn't predicated one's
> "assets."


You don't actually care if you have the funds to pay for your accidents, you just want other people to pay for theirs.. you assume mutual risk by getting on the road at all, short of intentionally ramming someone there is no justification for government intervention and in that case it's plain criminal assault/homicide, not "traffic"..

Insuring your own shit is one thing but being forced to insure for other people's shit, which they are knowingly risking, is absurd. That's how we got down this slippery slope that has made it the homeowner's responsibility when a kid trespasses and falls from a climbing tree or drowns in a puddle. That's why doctor's can't be doctors for fear of accidental "malpractice"... This culture of litigation is disgusting, victims of sexual abuse have a better chance in vino court than of seeing their abuser punished. Fuck this shit

Accidents happen mutual risk Wrote:
-------------------------------------------------------
> Insuring your own shit is one thing but being
> forced to insure for other people's shit, which
> they are knowingly risking, is absurd. That's how
> we got down this slippery slope that has made it
> the homeowner's responsibility when a kid
> trespasses and falls from a climbing tree or
> drowns in a puddle. That's why doctor's can't be
> doctors for fear of accidental "malpractice"...
> This culture of litigation is disgusting, victims
> of sexual abuse have a better chance in CIVIL court
> than of seeing their abuser punished. Fuck this
> shit

* CIVIL not VINO lol.. but in vino veritas!

Better question is what percentage of those coming here illegally from Mexico and Central America are unlicensed and do not have car insurance, at least liability insurance. My guess is way greater than 25%.

hope an uninsured driver hits U Wrote:
-------------------------------------------------------
> who car insurance protects Wrote:
> --------------------------------------------------
> -----
> > Putting aside the racist vitriol, car insurance
> > protects those who have assets they could lose
> if
> > they are sued for an accident they are at fault
> > for. If someone doesn't have a lot of assets, a
> $1
> > million dollar judgement against them doesn't
> > really mean much as bankruptcy could simply
> wipe
> > it away.
> >
> > It is why it is a good idea to:
> >
> > 1) Buy car insurance that has coverage valued
> at
> > around your net worth.
> > 2) Don't
>
> No, insurance is a REQUIREMENT to operate a
> vehicle legally so that should you INJURE another
> party, you will have access to sufficient funds to
> make amends. It has absolutely nothing to do with
> one's net worth, and everything to do with
> protecting the public from reckless drivers. It's
> not an option, and it isn't predicated one's
> "assets."


Wrong. In Virginia you have the option of paying the uninsured motorist fee in lieu of liability insurance.

hope an uninsured driver hits U Wrote:
-------------------------------------------------------
>
> No, insurance is a REQUIREMENT to operate a
> vehicle legally so that should you INJURE another
> party, you will have access to sufficient funds to
> make amends. It has absolutely nothing to do with
> one's net worth, and everything to do with
> protecting the public from reckless drivers. It's
> not an option, and it isn't predicated one's
> "assets."


Clearly you haven't been paying attention.

Gov Northam has declared that not only do you not have to worry about getting tickets, but that now you don't have to go to court to pay them. That's right...just ignore all the fucking tickets. He is out bragging about giving back 30,000 licenses to people in Virginia that never paid court fines...and never will.

Your license cannot be suspended no matter how much you owe in fines and court costs. No insurance...no problem. Someone sues you civilly, just don't go. They won't do anything about it.

Did you know that many of those Delaware temp tags are printed by lil Trayvonnnne on his home computer?
Niggers even ruin the DMV!

As the only intelligent post in this thread tried to point out, insurance exists not to protest anyone's personal wealth, but to assure that resources will be available to return the person and/or property of all injured parties to a state at least resembling the one that existed prior to the injury.

As for the puke above from assorted asshole 'sovereign citizen' types, it's pure unadulterated garbage, as always. Now watch. One of them will want to call me a 'statist'. LOL! These overdone creeps are just so fucking stupid!

I wonder if AOC shaves her pussy, trims it or lets it go au naturel.

^^^ You've never had access to any sort of pussy and are going to struggle going forward in seeking to obtain any.

hope an uninsured driver hits U Wrote:
-------------------------------------------------------
> who car insurance protects Wrote:
> --------------------------------------------------
> -----
> > Putting aside the racist vitriol, car insurance
> > protects those who have assets they could lose
> if
> > they are sued for an accident they are at fault
> > for. If someone doesn't have a lot of assets, a
> $1
> > million dollar judgement against them doesn't
> > really mean much as bankruptcy could simply
> wipe
> > it away.
> >
> > It is why it is a good idea to:
> >
> > 1) Buy car insurance that has coverage valued
> at
> > around your net worth.
> > 2) Don't assume someone who injuries you with
> an
> > accident they are at fault for has the means to
> > make you whole, either through insurance or
> > through a lawsuit. Invest in some disability
> > insurance, and see about getting a Uninsured
> > motorist coverage rider on your own car
> insurance
> > policy.
>
> No, insurance is a REQUIREMENT to operate a
> vehicle legally so that should you INJURE another
> party, you will have access to sufficient funds to
> make amends. It has absolutely nothing to do with
> one's net worth, and everything to do with
> protecting the public from reckless drivers. It's
> not an option, and it isn't predicated one's
> "assets."

1) As pointed out above, insurance isn't a requirement in Virginia. We're kinda crazy that way here.
2) The minimum requirements for insurance in other states is a joke. In Maryland it is $30,000 minimum per person / $60,000 minimum per accident. So never count on someone else's insurance to cover major injury.

For instance, let's say you get minimum coverage and have a net worth of $2 million. You hit someone, its your fault, and you end someone's $100k a year career with a grave bodily injury. They could easily sue you for $2 million, and your $30k worth of liability coverage will only be a drop in the bucket toward what you are on the hook for. Now on the other hand, lets say you only have a net worth of $5k. Well, the $2 million judgement comes in and you declare bankruptcy. The other driver is effectively screwed, because you can't squeeze blood out of a rock.

The key lessons.
1) As your net worth grows, upgrade your insurance coverage accordingly. An umbrella policy is a good choice. A $1 million personal liability policy over our car insurance is only $187 a year for us, and covers all other sorts of liabilities.

2) Don't assume someone else's insurance will make you whole in a nasty accident. Disability insurance is a very good idea, as is making sure a Uninsured Motorist Coverage rider is on your policy good for a couple hundred thousand. Finally, if you have dependents that depend on your income, life insurance is a very good idea.

Dennis Quaid Wrote:
-------------------------------------------------------
> As the only intelligent post in this thread tried
> to point out, insurance exists not to protest
> anyone's personal wealth, but to assure that
> resources will be available to return the person
> and/or property of all injured parties to a state
> at least resembling the one that existed prior to
> the injury.
>
> As for the puke above from assorted asshole
> 'sovereign citizen' types, it's pure unadulterated
> garbage, as always. Now watch. One of them will
> want to call me a 'statist'. LOL! These overdone
> creeps are just so fucking stupid!

British road checkpoints, searches, tolls and commerce taxes in colonial America were a HUGE contributing factor to armed revolution. This historical fact is glossed over in modern school text books. Guess they don't want kids to put two and two together and realize this "traffic law" garbage is pure money grubbing tyranny WORTH shooting over. I'm not a sovereign citizen, just a real American, unlike you, complacent statist
Attachments:

The following philosophy is still endorsed by millions of Americans and more every day:

If you volunteer for a job that requires you to force cars off the road, violently handcuff and abduct a person at gunpoint, and steal the car via "civil forfeiture" all over psychoactive plant material (tea, cannabis etc), You are BEGGING to be shot. Cops wear military body armor these days (they never used to) because they live in fear of consequences that they know are justified for their tyranny

Sic semper tyrannus Wrote:
-------------------------------------------------------
> The following philosophy is still endorsed by
> millions of Americans and more every day:
>
> If you volunteer for a job that requires you to
> force cars off the road, violently handcuff and
> abduct a person at gunpoint, and steal the car via
> "civil forfeiture" all over psychoactive plant
> material (tea, cannabis etc), You are BEGGING to
> be shot. Cops wear military body armor these days
> (they never used to) because they live in fear of
> consequences that they know are justified for
> their tyranny

What does policing and civil forfeiture have to do with car insurance? There is very little subject overlap here, outside the idea that traffic laws help dictate who is at fault when an accident happens.

Shit!

You don't want to know about others' coverages.

I work for an entity that drove 60m+ mi in 2018. Lots of collisions...

VERY FEW have insurance and if they do, policy max is 50k. That does not cover much medical care.

And those fuckers that crash into others are VERY OFTEN driving borrowed cars.

I have over 500 warrants in debt against at fault drivers that damaged my work's cars in 2018. We will never get a penny (and I have to report to an attorney 4x a year about collection developments).

And just to make sure you get fucked proper, the insurance companies are now denying claims when their insured aims not driving.

And just to make sure your proper fucking is proper, the VA uninsured motorist fund is not for people that are involved in accidents with the uninsured. Insurance companies get it.

As said earlier- cover yourself, protect your own interests.

Drive defensively and do everything you can to avoid being a victim, or getting sued by someone you hit coz of your own poor driving. Very few accidents are unavoidable.

Anyone who thinks cops are bad guys is uneducated and involved in illegal activity, more likely than not.

A large group of people needs rules.
America elects people who make rules.
Many people don't believe the rules apply to them.
Somebody must uphold the rules, or the most violent willfree to do as they please.

And cops wear body armor coz, well...getting shot is expensive TO THE TAXPAYERS.

who car insurance protect Wrote:
-------------------------------------------------------
> Sic semper tyrannus Wrote:
>
>
> What does policing and civil forfeiture have to do
> with car insurance? There is very little subject
> overlap here, outside the idea that traffic laws
> help dictate who is at fault when an accident
> happens.

You assume PHYSICAL risk just by getting on the road and no insurance payout is going to bring you back to life. As for property damage, the very word "accident" negates the possibility of intentional harm. You knowingly risk your life and your property by driving, either insure your own shit, accept the risk or stay off the road. Politicians KNOW these laws do little to actually keep unlicensed/uninsured drivers off the road. It's just security theater for profit. Just like the war on drugs and all the other forms of "preventive detention" that fly in the face of due process. Read Blackstone's formulation. Penalizing for the mere potential for an accident is like saying "we know without a doubt that you will crash and harm someone 100%" even if there truly were 100% chance of harm (try less than 5% risk even for drunk drivers), until that actually happens, you can't fucking prove it.

The state of Texas held out on many traffic laws, including DUI, long after most states. Preventive detention, in any form, blatantly violates due process and the old Texans knew it.

Fuck your extortion. Fuck your revenue generation under the guise of public safety. Fuck your preventive detention and fuck you and your mother too

Fuck your nanny state. Fuck it in the fucking bunghole

Meade, the truth is more American citizens have insurance than illegals regardless of race, you racist POS! Stop using the “N” word, it is rude and it is offensively unnecessary. You have a vocabulary use it for better word choices, you have no glass, you are a low-life because you deliberately use the “N” word all the time. You are the same lame person posting all these posts but as a multiple personality you try to fraudulently pretend you are many posting on this site because it is just you trying to push up the numbers here. Like you this site is all fake, a fraud!

Duh its about tyranny Wrote:
-------------------------------------------------------
> who car insurance protect Wrote:
> --------------------------------------------------
> -----
> > Sic semper tyrannus Wrote:
> >
> >
> > What does policing and civil forfeiture have to
> do
> > with car insurance? There is very little
> subject
> > overlap here, outside the idea that traffic
> laws
> > help dictate who is at fault when an accident
> > happens.
>
> You assume PHYSICAL risk just by getting on the
> road and no insurance payout is going to bring you
> back to life. As for property damage, the very
> word "accident" negates the possibility of
> intentional harm. You knowingly risk your life and
> your property by driving, either insure your own
> shit, accept the risk or stay off the road.
> Politicians KNOW these laws do little to actually
> keep unlicensed/uninsured drivers off the road.
> It's just security theater for profit. Just like
> the war on drugs and all the other forms of
> "preventive detention" that fly in the face of due
> process. Read Blackstone's formulation. Penalizing
> for the mere potential for an accident is like
> saying "we know without a doubt that you will
> crash and harm someone 100%" even if there truly
> were 100% chance of harm (try less than 5% risk
> even for drunk drivers), until that actually
> happens, you can't fucking prove it.

I think I have been pretty clear that you do assume risk when you take to the road, which is why disability insurance and uninsured motorist coverage with high coverage amounts are good ideas. You can't bank on someone else's coverage to save you. And shit happens. Even a small turning mistake can lead to a major accident; no one is above making that type of error.

I know a family where their 20 year old kid caused a three car accident, and the lawsuits went flying. Fortunately, the family had a one million dollar insurance policy and didn't directly lose a penny. They would have lost everything otherwise.

Insurance??!?!! Wrote:
-------------------------------------------------------
> Did you know that many of those Delaware temp tags
> are printed by lil Trayvonnnne on his home
> computer?
> Niggers even ruin the DMV!


Everyone knows that the majority of temp tags are fake. Did you no that this is by no means limited to African Americans?!!

who car insurance protects Wrote:
-------------------------------------------------------
> hope an uninsured driver hits U Wrote:
> --------------------------------------------------
> -----
> > who car insurance protects Wrote:
> >
> --------------------------------------------------
>
> > -----
> > > Putting aside the racist vitriol, car
> insurance
> > > protects those who have assets they could
> lose
> > if
> > > they are sued for an accident they are at
> fault
> > > for. If someone doesn't have a lot of assets,
> a
> > $1
> > > million dollar judgement against them doesn't
> > > really mean much as bankruptcy could simply
> > wipe
> > > it away.
> > >
> > > It is why it is a good idea to:
> > >
> > > 1) Buy car insurance that has coverage valued
> > at
> > > around your net worth.
> > > 2) Don't assume someone who injuries you with
> > an
> > > accident they are at fault for has the means
> to
> > > make you whole, either through insurance or
> > > through a lawsuit. Invest in some disability
> > > insurance, and see about getting a Uninsured
> > > motorist coverage rider on your own car
> > insurance
> > > policy.
> >
> > No, insurance is a REQUIREMENT to operate a
> > vehicle legally so that should you INJURE
> another
> > party, you will have access to sufficient funds
> to
> > make amends. It has absolutely nothing to do
> with
> > one's net worth, and everything to do with
> > protecting the public from reckless drivers.
> It's
> > not an option, and it isn't predicated one's
> > "assets."
>
> 1) As pointed out above, insurance isn't a
> requirement in Virginia. We're kinda crazy that
> way here.
> 2) The minimum requirements for insurance in other
> states is a joke. In Maryland it is $30,000
> minimum per person / $60,000 minimum per accident.
> So never count on someone else's insurance to
> cover major injury.
>
> For instance, let's say you get minimum coverage
> and have a net worth of $2 million. You hit
> someone, its your fault, and you end someone's
> $100k a year career with a grave bodily injury.
> They could easily sue you for $2 million, and your
> $30k worth of liability coverage will only be a
> drop in the bucket toward what you are on the hook
> for. Now on the other hand, lets say you only have
> a net worth of $5k. Well, the $2 million judgement
> comes in and you declare bankruptcy. The other
> driver is effectively screwed, because you can't
> squeeze blood out of a rock.
>
> The key lessons.
> 1) As your net worth grows, upgrade your insurance
> coverage accordingly. An umbrella policy is a good
> choice. A $1 million personal liability policy
> over our car insurance is only $187 a year for us,
> and covers all other sorts of liabilities.
>
> 2) Don't assume someone else's insurance will make
> you whole in a nasty accident. Disability
> insurance is a very good idea, as is making sure a
> Uninsured Motorist Coverage rider is on your
> policy good for a couple hundred thousand.
> Finally, if you have dependents that depend on
> your income, life insurance is a very good idea.

You are a buffoon. "As your net worth grows, upgrade your insurance accordingly." Stupid, even if your net worth is $1000, you can still be sued for $1,000,000, and every dollar you earn for the rest of your life will have a significant portion of it withheld to pay of the decision against you. So go ahead and purchase minimum insurance if you're only making $30k a year - you'll be making $15k a year after you lose your case and your wages are garnished and/or everything you own is seized and sold.

AOC is hot as fuck. I would totally jerk off to a gang of nignogs raping her and then finishing the night by giving her a clitorectomy with a broken long neck (domestic) beer bottle. Might I suggest a Sam Adams, a true patriot.

Black Caulk Wrote:
-------------------------------------------------------
> AOC is hot as fuck. I would totally jerk off to a
> gang of nignogs raping her and then finishing the
> night by giving her a clitorectomy with a broken
> long neck (domestic) beer bottle. Might I suggest
> a Sam Adams, a true patriot.

I think we can execute her for treason without stooping to sexual deviance, lil "nignog" - also that term applies to ALL miscreants, regardless of color

You are a moron Wrote:
-------------------------------------------------------
> who car insurance protects Wrote:
> --------------------------------------------------
> -----
> > hope an uninsured driver hits U Wrote:
> >
> --------------------------------------------------
>
> > -----
> > > who car insurance protects Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > Putting aside the racist vitriol, car
> > insurance
> > > > protects those who have assets they could
> > lose
> > > if
> > > > they are sued for an accident they are at
> > fault
> > > > for. If someone doesn't have a lot of
> assets,
> > a
> > > $1
> > > > million dollar judgement against them
> doesn't
> > > > really mean much as bankruptcy could simply
> > > wipe
> > > > it away.
> > > >
> > > > It is why it is a good idea to:
> > > >
> > > > 1) Buy car insurance that has coverage
> valued
> > > at
> > > > around your net worth.
> > > > 2) Don't assume someone who injuries you
> with
> > > an
> > > > accident they are at fault for has the
> means
> > to
> > > > make you whole, either through insurance or
> > > > through a lawsuit. Invest in some
> disability
> > > > insurance, and see about getting a
> Uninsured
> > > > motorist coverage rider on your own car
> > > insurance
> > > > policy.
> > >
> > > No, insurance is a REQUIREMENT to operate a
> > > vehicle legally so that should you INJURE
> > another
> > > party, you will have access to sufficient
> funds
> > to
> > > make amends. It has absolutely nothing to do
> > with
> > > one's net worth, and everything to do with
> > > protecting the public from reckless drivers.
> > It's
> > > not an option, and it isn't predicated one's
> > > "assets."
> >
> > 1) As pointed out above, insurance isn't a
> > requirement in Virginia. We're kinda crazy that
> > way here.
> > 2) The minimum requirements for insurance in
> other
> > states is a joke. In Maryland it is $30,000
> > minimum per person / $60,000 minimum per
> accident.
> > So never count on someone else's insurance to
> > cover major injury.
> >
> > For instance, let's say you get minimum
> coverage
> > and have a net worth of $2 million. You hit
> > someone, its your fault, and you end someone's
> > $100k a year career with a grave bodily injury.
> > They could easily sue you for $2 million, and
> your
> > $30k worth of liability coverage will only be a
> > drop in the bucket toward what you are on the
> hook
> > for. Now on the other hand, lets say you only
> have
> > a net worth of $5k. Well, the $2 million
> judgement
> > comes in and you declare bankruptcy. The other
> > driver is effectively screwed, because you
> can't
> > squeeze blood out of a rock.
> >
> > The key lessons.
> > 1) As your net worth grows, upgrade your
> insurance
> > coverage accordingly. An umbrella policy is a
> good
> > choice. A $1 million personal liability policy
> > over our car insurance is only $187 a year for
> us,
> > and covers all other sorts of liabilities.
> >
> > 2) Don't assume someone else's insurance will
> make
> > you whole in a nasty accident. Disability
> > insurance is a very good idea, as is making sure
> a
> > Uninsured Motorist Coverage rider is on your
> > policy good for a couple hundred thousand.
> > Finally, if you have dependents that depend on
> > your income, life insurance is a very good
> idea.
>
> You are a buffoon. "As your net worth grows,
> upgrade your insurance accordingly." Stupid, even
> if your net worth is $1000, you can still be sued
> for $1,000,000, and every dollar you earn for the
> rest of your life will have a significant portion
> of it withheld to pay of the decision against you.
> So go ahead and purchase minimum insurance if
> you're only making $30k a year - you'll be making
> $15k a year after you lose your case and your
> wages are garnished and/or everything you own is
> seized and sold.

Ever heard of bankruptcy? Judgments in general are wiped clean, including judgments for auto accidents.

Of course, if you want to have a high coverage policy to better protect people you might accidentally harm, sure, by all means. There's nothing wrong with that.

who car insurance protects Wrote:
-------------------------------------------------------
> You are a moron Wrote:
> --------------------------------------------------
> -----
> > who car insurance protects Wrote:
> >
> --------------------------------------------------
>
> > -----
> > > hope an uninsured driver hits U Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > who car insurance protects Wrote:
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > > -----
> > > > > Putting aside the racist vitriol, car
> > > insurance
> > > > > protects those who have assets they could
> > > lose
> > > > if
> > > > > they are sued for an accident they are at
> > > fault
> > > > > for. If someone doesn't have a lot of
> > assets,
> > > a
> > > > $1
> > > > > million dollar judgement against them
> > doesn't
> > > > > really mean much as bankruptcy could
> simply
> > > > wipe
> > > > > it away.
> > > > >
> > > > > It is why it is a good idea to:
> > > > >
> > > > > 1) Buy car insurance that has coverage
> > valued
> > > > at
> > > > > around your net worth.
> > > > > 2) Don't assume someone who injuries you
> > with
> > > > an
> > > > > accident they are at fault for has the
> > means
> > > to
> > > > > make you whole, either through insurance
> or
> > > > > through a lawsuit. Invest in some
> > disability
> > > > > insurance, and see about getting a
> > Uninsured
> > > > > motorist coverage rider on your own car
> > > > insurance
> > > > > policy.
> > > >
> > > > No, insurance is a REQUIREMENT to operate a
> > > > vehicle legally so that should you INJURE
> > > another
> > > > party, you will have access to sufficient
> > funds
> > > to
> > > > make amends. It has absolutely nothing to
> do
> > > with
> > > > one's net worth, and everything to do with
> > > > protecting the public from reckless drivers.
>
> > > It's
> > > > not an option, and it isn't predicated
> one's
> > > > "assets."
> > >
> > > 1) As pointed out above, insurance isn't a
> > > requirement in Virginia. We're kinda crazy
> that
> > > way here.
> > > 2) The minimum requirements for insurance in
> > other
> > > states is a joke. In Maryland it is $30,000
> > > minimum per person / $60,000 minimum per
> > accident.
> > > So never count on someone else's insurance to
> > > cover major injury.
> > >
> > > For instance, let's say you get minimum
> > coverage
> > > and have a net worth of $2 million. You hit
> > > someone, its your fault, and you end
> someone's
> > > $100k a year career with a grave bodily
> injury.
> > > They could easily sue you for $2 million, and
> > your
> > > $30k worth of liability coverage will only be
> a
> > > drop in the bucket toward what you are on the
> > hook
> > > for. Now on the other hand, lets say you only
> > have
> > > a net worth of $5k. Well, the $2 million
> > judgement
> > > comes in and you declare bankruptcy. The
> other
> > > driver is effectively screwed, because you
> > can't
> > > squeeze blood out of a rock.
> > >
> > > The key lessons.
> > > 1) As your net worth grows, upgrade your
> > insurance
> > > coverage accordingly. An umbrella policy is a
> > good
> > > choice. A $1 million personal liability
> policy
> > > over our car insurance is only $187 a year
> for
> > us,
> > > and covers all other sorts of liabilities.
> > >
> > > 2) Don't assume someone else's insurance will
> > make
> > > you whole in a nasty accident. Disability
> > > insurance is a very good idea, as is making
> sure
> > a
> > > Uninsured Motorist Coverage rider is on your
> > > policy good for a couple hundred thousand.
> > > Finally, if you have dependents that depend
> on
> > > your income, life insurance is a very good
> > idea.
> >
> > You are a buffoon. "As your net worth grows,
> > upgrade your insurance accordingly." Stupid,
> even
> > if your net worth is $1000, you can still be
> sued
> > for $1,000,000, and every dollar you earn for
> the
> > rest of your life will have a significant
> portion
> > of it withheld to pay of the decision against
> you.
> > So go ahead and purchase minimum insurance if
> > you're only making $30k a year - you'll be
> making
> > $15k a year after you lose your case and your
> > wages are garnished and/or everything you own
> is
> > seized and sold.
>
> Ever heard of bankruptcy? Judgments in general are
> wiped clean, including judgments for auto
> accidents.
>
> Of course, if you want to have a high coverage
> policy to better protect people you might
> accidentally harm, sure, by all means. There's
> nothing wrong with that.

That's a great strategy LOLOLOL - just declare bankruptcy, which is akin to suicide in the 21st century. Want to ever lease again? Forget it. Mortgage? Forget it. Most jobs? Forget it. Even insurance that you should have had to begin with? Forget it. Declaring bankruptcy in 2019 is to relegate one's self to homelessness (unless you have wealthy friends who are willing to help you under the table, ricking you and them to contempt of court).

Seriously, you're a fucking idiot.

Dennis Quaid Wrote:
-------------------------------------------------------
> As the only intelligent post in this thread tried
> to point out, insurance exists not to protest
> anyone's personal wealth, but to assure that
> resources will be available to return the person
> and/or property of all injured parties to a state
> at least resembling the one that existed prior to
> the injury.
>
> As for the puke above from assorted asshole
> 'sovereign citizen' types, it's pure unadulterated
> garbage, as always. Now watch. One of them will
> want to call me a 'statist'. LOL! These overdone
> creeps are just so fucking stupid!

Go live in west Baltimore faggot!
Niggers destroying America!

No really, you're a retard Wrote:
-------------------------------------------------------
> who car insurance protects Wrote:
> --------------------------------------------------
> -----
> > You are a moron Wrote:
> >
> --------------------------------------------------
>
> > -----
> > > who car insurance protects Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > hope an uninsured driver hits U Wrote:
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > > -----
> > > > > who car insurance protects Wrote:
> > > > >
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > >
> > > > > -----
> > > > > > Putting aside the racist vitriol, car
> > > > insurance
> > > > > > protects those who have assets they
> could
> > > > lose
> > > > > if
> > > > > > they are sued for an accident they are
> at
> > > > fault
> > > > > > for. If someone doesn't have a lot of
> > > assets,
> > > > a
> > > > > $1
> > > > > > million dollar judgement against them
> > > doesn't
> > > > > > really mean much as bankruptcy could
> > simply
> > > > > wipe
> > > > > > it away.
> > > > > >
> > > > > > It is why it is a good idea to:
> > > > > >
> > > > > > 1) Buy car insurance that has coverage
> > > valued
> > > > > at
> > > > > > around your net worth.
> > > > > > 2) Don't assume someone who injuries
> you
> > > with
> > > > > an
> > > > > > accident they are at fault for has the
> > > means
> > > > to
> > > > > > make you whole, either through
> insurance
> > or
> > > > > > through a lawsuit. Invest in some
> > > disability
> > > > > > insurance, and see about getting a
> > > Uninsured
> > > > > > motorist coverage rider on your own car
> > > > > insurance
> > > > > > policy.
> > > > >
> > > > > No, insurance is a REQUIREMENT to operate
> a
> > > > > vehicle legally so that should you INJURE
> > > > another
> > > > > party, you will have access to sufficient
> > > funds
> > > > to
> > > > > make amends. It has absolutely nothing
> to
> > do
> > > > with
> > > > > one's net worth, and everything to do
> with
> > > > > protecting the public from reckless
> drivers.
> >
> > > > It's
> > > > > not an option, and it isn't predicated
> > one's
> > > > > "assets."
> > > >
> > > > 1) As pointed out above, insurance isn't a
> > > > requirement in Virginia. We're kinda crazy
> > that
> > > > way here.
> > > > 2) The minimum requirements for insurance
> in
> > > other
> > > > states is a joke. In Maryland it is $30,000
> > > > minimum per person / $60,000 minimum per
> > > accident.
> > > > So never count on someone else's insurance
> to
> > > > cover major injury.
> > > >
> > > > For instance, let's say you get minimum
> > > coverage
> > > > and have a net worth of $2 million. You hit
> > > > someone, its your fault, and you end
> > someone's
> > > > $100k a year career with a grave bodily
> > injury.
> > > > They could easily sue you for $2 million,
> and
> > > your
> > > > $30k worth of liability coverage will only
> be
> > a
> > > > drop in the bucket toward what you are on
> the
> > > hook
> > > > for. Now on the other hand, lets say you
> only
> > > have
> > > > a net worth of $5k. Well, the $2 million
> > > judgement
> > > > comes in and you declare bankruptcy. The
> > other
> > > > driver is effectively screwed, because you
> > > can't
> > > > squeeze blood out of a rock.
> > > >
> > > > The key lessons.
> > > > 1) As your net worth grows, upgrade your
> > > insurance
> > > > coverage accordingly. An umbrella policy is
> a
> > > good
> > > > choice. A $1 million personal liability
> > policy
> > > > over our car insurance is only $187 a year
> > for
> > > us,
> > > > and covers all other sorts of liabilities.
> > > >
> > > > 2) Don't assume someone else's insurance
> will
> > > make
> > > > you whole in a nasty accident. Disability
> > > > insurance is a very good idea, as is making
> > sure
> > > a
> > > > Uninsured Motorist Coverage rider is on
> your
> > > > policy good for a couple hundred thousand.
> > > > Finally, if you have dependents that depend
> > on
> > > > your income, life insurance is a very good
> > > idea.
> > >
> > > You are a buffoon. "As your net worth grows,
> > > upgrade your insurance accordingly." Stupid,
> > even
> > > if your net worth is $1000, you can still be
> > sued
> > > for $1,000,000, and every dollar you earn for
> > the
> > > rest of your life will have a significant
> > portion
> > > of it withheld to pay of the decision against
> > you.
> > > So go ahead and purchase minimum insurance
> if
> > > you're only making $30k a year - you'll be
> > making
> > > $15k a year after you lose your case and your
> > > wages are garnished and/or everything you own
> > is
> > > seized and sold.
> >
> > Ever heard of bankruptcy? Judgments in general
> are
> > wiped clean, including judgments for auto
> > accidents.
> >
> > Of course, if you want to have a high coverage
> > policy to better protect people you might
> > accidentally harm, sure, by all means. There's
> > nothing wrong with that.
>
> That's a great strategy LOLOLOL - just declare
> bankruptcy, which is akin to suicide in the 21st
> century. Want to ever lease again? Forget it.
> Mortgage? Forget it. Most jobs? Forget it.
> Even insurance that you should have had to begin
> with? Forget it. Declaring bankruptcy in 2019 is
> to relegate one's self to homelessness (unless you
> have wealthy friends who are willing to help you
> under the table, ricking you and them to contempt
> of court).
>
> Seriously, you're a fucking idiot.

Bankruptcy sucks, but if you have $5k to your name and a $2 million dollar judgment over your head, yeah, it is probably your only way out short of suicide. Works best of course if you can find harbor with a family member and employment with folks you know.

As I've mentioned multiple times, my main points are:

1) Insurance is about financial loss prevention of assets you have, and that it is a very good idea to float up coverage as your wealth increases, particularly to fend off frivolous lawsuits. But if you want to add bankruptcy avoidance as a solid reason for carrying a high value policy, then sure, that's valid.

2) You can't count on someone injuring you in an accident to be able to make you whole. The state minimums for drivers are crazy low https://www.nerdwallet.com/blog/insurance/car-insurance/. So it is a good idea to have a high Uninsured Motorist Coverage amount, because a $2 million judgment against someone with minimum insurance won't be worth much.

Accidents happen mutual risk Wrote:
-------------------------------------------------------
> Insuring your own shit is one thing but being
> forced to insure for other people's shit, which
> they are knowingly risking, is absurd. That's how
> we got down this slippery slope that has made it
> the homeowner's responsibility when a kid
> trespasses and falls from a climbing tree or
> drowns in a puddle. That's why doctor's can't be
> doctors for fear of accidental "malpractice"...
> This culture of litigation is disgusting, victims
> of sexual abuse have a better chance in vino court
> than of seeing their abuser punished. Fuck this
> shit


^I agree. Always thought this but never knew how to put it into words. Thx.

Josef Basl, Michael Josef Basl, Joe Basil, Moreno v Basl

https://www.casemine.com/judgement/us/5af90ff88d82840a91f758cd

MICHAEL JOSEF BASL Bankruptcy Filing https://opinions.abi.org/0518-115-basl-re-moreno-v-basl

Family sues online 'troll' after son's suicide attempt https://www.fredericksburg.com/news/state_region/family-sues-online-troll-after-son-s-suicide-attempt/article_bd21d364-3a67-5536-ae7c-f41b663f42a3.html

https://www.washingtonpost.com/local/crime/reign-of-terror-online-trolls-destroy-a-virginia-familys-offline-life/2015/07/20/a467f9bc-19ba-11e5-93b7-5eddc056ad8a_story.html?utm_term=.8c26483337c5

When someone abuses the protective order system, it is not only your right to violate it, it's a civic duty.

Thank you, it really gets to me though. Fuck this nanny state. We're becoming the faggot ass uk. Before you know it shooting a burglar will be punished more severely than burglary. And America was the last bastion of freedom so there's no where to run. Read "brave new world". It's uncanny

who car insurance protects Wrote:
-------------------------------------------------------
> No really, you're a retard Wrote:
> --------------------------------------------------
> -----
> > who car insurance protects Wrote:
> >
> --------------------------------------------------
>
> > -----
> > > You are a moron Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > who car insurance protects Wrote:
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > > -----
> > > > > hope an uninsured driver hits U Wrote:
> > > > >
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > >
> > > > > -----
> > > > > > who car insurance protects Wrote:
> > > > > >
> > > > >
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > >
> > > > >
> > > > > > -----
> > > > > > > Putting aside the racist vitriol, car
> > > > > insurance
> > > > > > > protects those who have assets they
> > could
> > > > > lose
> > > > > > if
> > > > > > > they are sued for an accident they
> are
> > at
> > > > > fault
> > > > > > > for. If someone doesn't have a lot of
> > > > assets,
> > > > > a
> > > > > > $1
> > > > > > > million dollar judgement against them
> > > > doesn't
> > > > > > > really mean much as bankruptcy could
> > > simply
> > > > > > wipe
> > > > > > > it away.
> > > > > > >
> > > > > > > It is why it is a good idea to:
> > > > > > >
> > > > > > > 1) Buy car insurance that has
> coverage
> > > > valued
> > > > > > at
> > > > > > > around your net worth.
> > > > > > > 2) Don't assume someone who injuries
> > you
> > > > with
> > > > > > an
> > > > > > > accident they are at fault for has
> the
> > > > means
> > > > > to
> > > > > > > make you whole, either through
> > insurance
> > > or
> > > > > > > through a lawsuit. Invest in some
> > > > disability
> > > > > > > insurance, and see about getting a
> > > > Uninsured
> > > > > > > motorist coverage rider on your own
> car
> > > > > > insurance
> > > > > > > policy.
> > > > > >
> > > > > > No, insurance is a REQUIREMENT to
> operate
> > a
> > > > > > vehicle legally so that should you
> INJURE
> > > > > another
> > > > > > party, you will have access to
> sufficient
> > > > funds
> > > > > to
> > > > > > make amends. It has absolutely nothing
> > to
> > > do
> > > > > with
> > > > > > one's net worth, and everything to do
> > with
> > > > > > protecting the public from reckless
> > drivers.
> > >
> > > > > It's
> > > > > > not an option, and it isn't predicated
> > > one's
> > > > > > "assets."
> > > > >
> > > > > 1) As pointed out above, insurance isn't
> a
> > > > > requirement in Virginia. We're kinda
> crazy
> > > that
> > > > > way here.
> > > > > 2) The minimum requirements for insurance
> > in
> > > > other
> > > > > states is a joke. In Maryland it is
> $30,000
> > > > > minimum per person / $60,000 minimum per
> > > > accident.
> > > > > So never count on someone else's
> insurance
> > to
> > > > > cover major injury.
> > > > >
> > > > > For instance, let's say you get minimum
> > > > coverage
> > > > > and have a net worth of $2 million. You
> hit
> > > > > someone, its your fault, and you end
> > > someone's
> > > > > $100k a year career with a grave bodily
> > > injury.
> > > > > They could easily sue you for $2 million,
> > and
> > > > your
> > > > > $30k worth of liability coverage will
> only
> > be
> > > a
> > > > > drop in the bucket toward what you are on
> > the
> > > > hook
> > > > > for. Now on the other hand, lets say you
> > only
> > > > have
> > > > > a net worth of $5k. Well, the $2 million
> > > > judgement
> > > > > comes in and you declare bankruptcy. The
> > > other
> > > > > driver is effectively screwed, because
> you
> > > > can't
> > > > > squeeze blood out of a rock.
> > > > >
> > > > > The key lessons.
> > > > > 1) As your net worth grows, upgrade your
> > > > insurance
> > > > > coverage accordingly. An umbrella policy
> is
> > a
> > > > good
> > > > > choice. A $1 million personal liability
> > > policy
> > > > > over our car insurance is only $187 a
> year
> > > for
> > > > us,
> > > > > and covers all other sorts of
> liabilities.
> > > > >
> > > > > 2) Don't assume someone else's insurance
> > will
> > > > make
> > > > > you whole in a nasty accident. Disability
> > > > > insurance is a very good idea, as is
> making
> > > sure
> > > > a
> > > > > Uninsured Motorist Coverage rider is on
> > your
> > > > > policy good for a couple hundred
> thousand.
> > > > > Finally, if you have dependents that
> depend
> > > on
> > > > > your income, life insurance is a very
> good
> > > > idea.
> > > >
> > > > You are a buffoon. "As your net worth
> grows,
> > > > upgrade your insurance accordingly."
> Stupid,
> > > even
> > > > if your net worth is $1000, you can still
> be
> > > sued
> > > > for $1,000,000, and every dollar you earn
> for
> > > the
> > > > rest of your life will have a significant
> > > portion
> > > > of it withheld to pay of the decision
> against
> > > you.
> > > > So go ahead and purchase minimum insurance
> > if
> > > > you're only making $30k a year - you'll be
> > > making
> > > > $15k a year after you lose your case and
> your
> > > > wages are garnished and/or everything you
> own
> > > is
> > > > seized and sold.
> > >
> > > Ever heard of bankruptcy? Judgments in
> general
> > are
> > > wiped clean, including judgments for auto
> > > accidents.
> > >
> > > Of course, if you want to have a high
> coverage
> > > policy to better protect people you might
> > > accidentally harm, sure, by all means.
> There's
> > > nothing wrong with that.
> >
> > That's a great strategy LOLOLOL - just declare
> > bankruptcy, which is akin to suicide in the
> 21st
> > century. Want to ever lease again? Forget it.
>
> > Mortgage? Forget it. Most jobs? Forget it.
> > Even insurance that you should have had to
> begin
> > with? Forget it. Declaring bankruptcy in 2019
> is
> > to relegate one's self to homelessness (unless
> you
> > have wealthy friends who are willing to help
> you
> > under the table, ricking you and them to
> contempt
> > of court).
> >
> > Seriously, you're a fucking idiot.
>
> Bankruptcy sucks, but if you have $5k to your name
> and a $2 million dollar judgment over your head,
> yeah, it is probably your only way out short of
> suicide. Works best of course if you can find
> harbor with a family member and employment with
> folks you know.
>
> As I've mentioned multiple times, my main points
> are:
>
> 1) Insurance is about financial loss prevention of
> assets you have, and that it is a very good idea
> to float up coverage as your wealth increases,
> particularly to fend off frivolous lawsuits. But
> if you want to add bankruptcy avoidance as a solid
> reason for carrying a high value policy, then
> sure, that's valid.
>
> 2) You can't count on someone injuring you in an
> accident to be able to make you whole. The state
> minimums for drivers are crazy low
> https://www.nerdwallet.com/blog/insurance/car-insu
> rance/. So it is a good idea to have a high
> Uninsured Motorist Coverage amount, because a $2
> million judgment against someone with minimum
> insurance won't be worth much.

And that $2m judgement against you would be covered if...you had adequate insurance.

We've come full circle; you began with a rebuttal, and ended in agreement - that's how faulty your argument was.

Josef Basl, Michael Josef Basl, Joe Basil, Moreno v Basl

https://www.casemine.com/judgement/us/5af90ff88d82840a91f758cd

MICHAEL JOSEF BASL Bankruptcy Filing https://opinions.abi.org/0518-115-basl-re-moreno-v-basl

Family sues online 'troll' after son's suicide attempt https://www.fredericksburg.com/news/state_region/family-sues-online-troll-after-son-s-suicide-attempt/article_bd21d364-3a67-5536-ae7c-f41b663f42a3.html

https://www.washingtonpost.com/local/crime/reign-of-terror-online-trolls-destroy-a-virginia-familys-offline-life/2015/07/20/a467f9bc-19ba-11e5-93b7-5eddc056ad8a_story.html?utm_term=.8c26483337c5


Josef Basl, Michael Josef Basl, Joe Basil, Moreno v Basl

https://www.casemine.com/judgement/us/5af90ff88d82840a91f758cd

MICHAEL JOSEF BASL Bankruptcy Filing https://opinions.abi.org/0518-115-basl-re-moreno-v-basl

Family sues online 'troll' after son's suicide attempt https://www.fredericksburg.com/news/state_region/family-sues-online-troll-after-son-s-suicide-attempt/article_bd21d364-3a67-5536-ae7c-f41b663f42a3.html

https://www.washingtonpost.com/local/crime/reign-of-terror-online-trolls-destroy-a-virginia-familys-offline-life/2015/07/20/a467f9bc-19ba-11e5-93b7-5eddc056ad8a_story.html?utm_term=.8c26483337c5


Josef Basl, Michael Josef Basl, Joe Basil, Moreno v Basl

https://www.casemine.com/judgement/us/5af90ff88d82840a91f758cd

MICHAEL JOSEF BASL Bankruptcy Filing https://opinions.abi.org/0518-115-basl-re-moreno-v-basl

Family sues online 'troll' after son's suicide attempt https://www.fredericksburg.com/news/state_region/family-sues-online-troll-after-son-s-suicide-attempt/article_bd21d364-3a67-5536-ae7c-f41b663f42a3.html

https://www.washingtonpost.com/local/crime/reign-of-terror-online-trolls-destroy-a-virginia-familys-offline-life/2015/07/20/a467f9bc-19ba-11e5-93b7-5eddc056ad8a_story.html?utm_term=.8c26483337c5


Josef Basl, Michael Josef Basl, Joe Basil, Moreno v Basl

https://www.casemine.com/judgement/us/5af90ff88d82840a91f758cd

MICHAEL JOSEF BASL Bankruptcy Filing https://opinions.abi.org/0518-115-basl-re-moreno-v-basl

Family sues online 'troll' after son's suicide attempt https://www.fredericksburg.com/news/state_region/family-sues-online-troll-after-son-s-suicide-attempt/article_bd21d364-3a67-5536-ae7c-f41b663f42a3.html

https://www.washingtonpost.com/local/crime/reign-of-terror-online-trolls-destroy-a-virginia-familys-offline-life/2015/07/20/a467f9bc-19ba-11e5-93b7-5eddc056ad8a_story.html?utm_term=.8c26483337c5

This is the dumbest guy on FU Wrote:
-------------------------------------------------------
> who car insurance protects Wrote:
> --------------------------------------------------
> -----
> > No really, you're a retard Wrote:
> >
> --------------------------------------------------
>
> > -----
> > > who car insurance protects Wrote:
> > >
> >
> --------------------------------------------------
>
> >
> > > -----
> > > > You are a moron Wrote:
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > > -----
> > > > > who car insurance protects Wrote:
> > > > >
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > >
> > > > > -----
> > > > > > hope an uninsured driver hits U Wrote:
> > > > > >
> > > > >
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > >
> > > > >
> > > > > > -----
> > > > > > > who car insurance protects Wrote:
> > > > > > >
> > > > > >
> > > > >
> > > >
> > >
> >
> --------------------------------------------------
>
> >
> > >
> > > >
> > > > >
> > > > > >
> > > > > > > -----
> > > > > > > > Putting aside the racist vitriol,
> car
> > > > > > insurance
> > > > > > > > protects those who have assets they
> > > could
> > > > > > lose
> > > > > > > if
> > > > > > > > they are sued for an accident they
> > are
> > > at
> > > > > > fault
> > > > > > > > for. If someone doesn't have a lot
> of
> > > > > assets,
> > > > > > a
> > > > > > > $1
> > > > > > > > million dollar judgement against
> them
> > > > > doesn't
> > > > > > > > really mean much as bankruptcy
> could
> > > > simply
> > > > > > > wipe
> > > > > > > > it away.
> > > > > > > >
> > > > > > > > It is why it is a good idea to:
> > > > > > > >
> > > > > > > > 1) Buy car insurance that has
> > coverage
> > > > > valued
> > > > > > > at
> > > > > > > > around your net worth.
> > > > > > > > 2) Don't assume someone who
> injuries
> > > you
> > > > > with
> > > > > > > an
> > > > > > > > accident they are at fault for has
> > the
> > > > > means
> > > > > > to
> > > > > > > > make you whole, either through
> > > insurance
> > > > or
> > > > > > > > through a lawsuit. Invest in some
> > > > > disability
> > > > > > > > insurance, and see about getting a
> > > > > Uninsured
> > > > > > > > motorist coverage rider on your own
> > car
> > > > > > > insurance
> > > > > > > > policy.
> > > > > > >
> > > > > > > No, insurance is a REQUIREMENT to
> > operate
> > > a
> > > > > > > vehicle legally so that should you
> > INJURE
> > > > > > another
> > > > > > > party, you will have access to
> > sufficient
> > > > > funds
> > > > > > to
> > > > > > > make amends. It has absolutely
> nothing
> > > to
> > > > do
> > > > > > with
> > > > > > > one's net worth, and everything to do
> > > with
> > > > > > > protecting the public from reckless
> > > drivers.
> > > >
> > > > > > It's
> > > > > > > not an option, and it isn't
> predicated
> > > > one's
> > > > > > > "assets."
> > > > > >
> > > > > > 1) As pointed out above, insurance
> isn't
> > a
> > > > > > requirement in Virginia. We're kinda
> > crazy
> > > > that
> > > > > > way here.
> > > > > > 2) The minimum requirements for
> insurance
> > > in
> > > > > other
> > > > > > states is a joke. In Maryland it is
> > $30,000
> > > > > > minimum per person / $60,000 minimum
> per
> > > > > accident.
> > > > > > So never count on someone else's
> > insurance
> > > to
> > > > > > cover major injury.
> > > > > >
> > > > > > For instance, let's say you get minimum
> > > > > coverage
> > > > > > and have a net worth of $2 million. You
> > hit
> > > > > > someone, its your fault, and you end
> > > > someone's
> > > > > > $100k a year career with a grave bodily
> > > > injury.
> > > > > > They could easily sue you for $2
> million,
> > > and
> > > > > your
> > > > > > $30k worth of liability coverage will
> > only
> > > be
> > > > a
> > > > > > drop in the bucket toward what you are
> on
> > > the
> > > > > hook
> > > > > > for. Now on the other hand, lets say
> you
> > > only
> > > > > have
> > > > > > a net worth of $5k. Well, the $2
> million
> > > > > judgement
> > > > > > comes in and you declare bankruptcy.
> The
> > > > other
> > > > > > driver is effectively screwed, because
> > you
> > > > > can't
> > > > > > squeeze blood out of a rock.
> > > > > >
> > > > > > The key lessons.
> > > > > > 1) As your net worth grows, upgrade
> your
> > > > > insurance
> > > > > > coverage accordingly. An umbrella
> policy
> > is
> > > a
> > > > > good
> > > > > > choice. A $1 million personal liability
> > > > policy
> > > > > > over our car insurance is only $187 a
> > year
> > > > for
> > > > > us,
> > > > > > and covers all other sorts of
> > liabilities.
> > > > > >
> > > > > > 2) Don't assume someone else's
> insurance
> > > will
> > > > > make
> > > > > > you whole in a nasty accident.
> Disability
> > > > > > insurance is a very good idea, as is
> > making
> > > > sure
> > > > > a
> > > > > > Uninsured Motorist Coverage rider is on
> > > your
> > > > > > policy good for a couple hundred
> > thousand.
> > > > > > Finally, if you have dependents that
> > depend
> > > > on
> > > > > > your income, life insurance is a very
> > good
> > > > > idea.
> > > > >
> > > > > You are a buffoon. "As your net worth
> > grows,
> > > > > upgrade your insurance accordingly."
> > Stupid,
> > > > even
> > > > > if your net worth is $1000, you can still
> > be
> > > > sued
> > > > > for $1,000,000, and every dollar you earn
> > for
> > > > the
> > > > > rest of your life will have a significant
> > > > portion
> > > > > of it withheld to pay of the decision
> > against
> > > > you.
> > > > > So go ahead and purchase minimum
> insurance
> > > if
> > > > > you're only making $30k a year - you'll
> be
> > > > making
> > > > > $15k a year after you lose your case and
> > your
> > > > > wages are garnished and/or everything you
> > own
> > > > is
> > > > > seized and sold.
> > > >
> > > > Ever heard of bankruptcy? Judgments in
> > general
> > > are
> > > > wiped clean, including judgments for auto
> > > > accidents.
> > > >
> > > > Of course, if you want to have a high
> > coverage
> > > > policy to better protect people you might
> > > > accidentally harm, sure, by all means.
> > There's
> > > > nothing wrong with that.
> > >
> > > That's a great strategy LOLOLOL - just
> declare
> > > bankruptcy, which is akin to suicide in the
> > 21st
> > > century. Want to ever lease again? Forget
> it.
> >
> > > Mortgage? Forget it. Most jobs? Forget it.
>
> > > Even insurance that you should have had to
> > begin
> > > with? Forget it. Declaring bankruptcy in
> 2019
> > is
> > > to relegate one's self to homelessness
> (unless
> > you
> > > have wealthy friends who are willing to help
> > you
> > > under the table, ricking you and them to
> > contempt
> > > of court).
> > >
> > > Seriously, you're a fucking idiot.
> >
> > Bankruptcy sucks, but if you have $5k to your
> name
> > and a $2 million dollar judgment over your
> head,
> > yeah, it is probably your only way out short of
> > suicide. Works best of course if you can find
> > harbor with a family member and employment with
> > folks you know.
> >
> > As I've mentioned multiple times, my main
> points
> > are:
> >
> > 1) Insurance is about financial loss prevention
> of
> > assets you have, and that it is a very good
> idea
> > to float up coverage as your wealth increases,
> > particularly to fend off frivolous lawsuits.
> But
> > if you want to add bankruptcy avoidance as a
> solid
> > reason for carrying a high value policy, then
> > sure, that's valid.
> >
> > 2) You can't count on someone injuring you in
> an
> > accident to be able to make you whole. The
> state
> > minimums for drivers are crazy low
> >
> https://www.nerdwallet.com/blog/insurance/car-insu
>
> > rance/. So it is a good idea to have a high
> > Uninsured Motorist Coverage amount, because a
> $2
> > million judgment against someone with minimum
> > insurance won't be worth much.
>
> And that $2m judgement against you would be
> covered if...you had adequate insurance.
>
> We've come full circle; you began with a rebuttal,
> and ended in agreement - that's how faulty your
> argument was.

Not quite. It can take a lifetime to save up $2 million. Losing it in 30 seconds because of a dumb mistake probably hurts more than declaring bankruptcy with little savings to lose. I look at my net worth and don't just see $$$, bu tall the late nights and sacrifice that went into it. Hence why I make sure my insurance coverage matches my net worth.

> argument was.
>
> Not quite. It can take a lifetime to save up $2
> million. Losing it in 30 seconds because of a dumb
> mistake probably hurts more than declaring
> bankruptcy with little savings to lose. I look at
> my net worth and don't just see $$$, bu tall the
> late nights and sacrifice that went into it. Hence
> why I make sure my insurance coverage matches my
> net worth.

I'm broke as a joke. Should I just pay the uninsured motorist fee and file bankruptcy if I cause damage? I have just enough cash squirreled away (as in off the books) for a new beater to replace mine. I just don't feel like I should have to pay anyone else for an ACCIDENT when the risk is completely mutual.. if I were to INTENTIONALLY ram into someone that's another story but I'm not that type

So you're saying Wrote:
-------------------------------------------------------
> > argument was.
> >
> > Not quite. It can take a lifetime to save up $2
> > million. Losing it in 30 seconds because of a
> dumb
> > mistake probably hurts more than declaring
> > bankruptcy with little savings to lose. I look
> at
> > my net worth and don't just see $$$, bu tall
> the
> > late nights and sacrifice that went into it.
> Hence
> > why I make sure my insurance coverage matches
> my
> > net worth.
>
> I'm broke as a joke. Should I just pay the
> uninsured motorist fee and file bankruptcy if I
> cause damage? I have just enough cash squirreled
> away (as in off the books) for a new beater to
> replace mine. I just don't feel like I should have
> to pay anyone else for an ACCIDENT when the risk
> is completely mutual.. if I were to INTENTIONALLY
> ram into someone that's another story but I'm not
> that type

I'm a very very good driver. I spun into a wall on black ice when I was younger at low speed (didn't even file a claim) but since then absolutely nothing. At my current age (under 25) insurance is still over 200 a month and I feel like that money would be better used saving for mechanical repairs/new cars as my beaters tend to die long before crashing. I don't even have comprehensive anyways just bare bones liability. I feel like it's such a waste if I can just file chapter 7 in the event of a crash. Not like I have any credit to lose...

hope an uninsured driver hits U Wrote:
-------------------------------------------------------
> who car insurance protects Wrote:
> --------------------------------------------------
> -----
> > Putting aside the racist vitriol, car insurance
> > protects those who have assets they could lose
> if
> > they are sued for an accident they are at fault
> > for. If someone doesn't have a lot of assets, a
> $1
> > million dollar judgement against them doesn't
> > really mean much as bankruptcy could simply
> wipe
> > it away.
> >
> > It is why it is a good idea to:
> >
> > 1) Buy car insurance that has coverage valued
> at
> > around your net worth.
> > 2) Don't assume someone who injuries you with
> an
> > accident they are at fault for has the means to
> > make you whole, either through insurance or
> > through a lawsuit. Invest in some disability
> > insurance, and see about getting a Uninsured
> > motorist coverage rider on your own car
> insurance
> > policy.
>
> No, insurance is a REQUIREMENT to operate a
> vehicle legally so that should you INJURE another
> party, you will have access to sufficient funds to
> make amends. It has absolutely nothing to do with
> one's net worth, and everything to do with
> protecting the public from reckless drivers. It's
> not an option, and it isn't predicated one's
> "assets."

Dumb whore bootlicker for the govt.