well i am seeing that everyone is saying that we are only required to pay liability. basically pay the damages you inflict on the other car. The Auto Insurance system is backwards then. Why are we paying to cover the other persons damages, wouldnt it make more sense if the person pays X amount of money every month to cover their own asses? that would mean that if i chose to not have insurance and i happen to get in a wreck then that was my choice and if the person i hit was smart enough and payed for insurance to cover themselves then what would be the problem with that?what are your thoughts?
You don't really understand how car insurance works. The insurance covers other cars that were damaged as a result of your negligence. If both drivers have coverage, then the costs are paid by the insurance policy of the driver at fault for the accident. In the situation you described, the other person's insurance would cover that person, then sue you personally to collect the damages that you inflicted upon their client and in turn, them. You would still be on the hook for those damages in the long run, only this time with a court order and all of the money to cover the damages is coming out of your personal pocket. If you are uninsured and cause an accident that totals a $30,000 car and inflict 10,000 in damages, you have to pay all $40,000 out of your pocket, and once the other driver and his insurance company have their court judgment, they can garnish your wages, place liens against your personal property and home (if you own one), and destroy your credit score.
I think it is unconstitutional. Accidents are just that accidents. They are not there to help you but to pay for the car when you finance it. They really do not care to cover for your losses. That is why after you pay off your car they say you do not have to have comprehensive.
let me get this straight. you're saying that if you run a red light, and bash into me, that i should pay my medical expenses, and to fix my car. have i got that right? do you understand the concept of responsibility? you're responsible for your actions.
That's what a no-fault plan is, and several states have it.
