Tuesday, February 28, 2012
I've spent the past three days on the phone with insurance companies, adjusters and car companies. As you may remember, my 20 year old son was involved in an accident Friday evening. He had the right of way, was about to head over the Shreveport/Barksdale bridge, and some guy coming the other way decides to "beat the light" and turns left on a yellow, in front of my son's car, and causes my son to T-bone him. Three kind souls stopped to give statements - one of them he (Stupid Driver - not John) nearly hit and another had to swerve to avoid hitting him.
I took yesterday off to get the claims process rolling. I got the police report today and was thrilled to see the StupidDriver had insurance.
He told the cops he did. He even gave them a card saying his coverage was good until June 2012. So my agent calls his company today to make a claim and lo and behold, StupidDriver hasn't had insurance since December. It's not clear if he canceled his policy or if they dropped him.
Andy wrote recently about how easy it is to find out things with simple Google searches. I've long known this to be true. As it turns out, StupidDriver apparently doesn't have such a great driving record and was involved in an accident on the way home from a strip club in December. He broke his arm in three places. Or so he says.
I've only just begun to search.
At any rate, apparently it's quite simple to get yourself some insurance, get your handy-dandy insurance card showing you have coverage for six months or so, and then cancel it. And voila! You don't have to pay that monthly premium and can drive your piece of shit car around town, running lights, and bashing into innocent young drivers thereby leaving them without transportation to their college classes! And StupidDriver gets off free and clear. No worries for him. He doesn't even have to find some other insurance company to scam until June. He's still got a card that says he has insurance! He drove away in his bashed and battered Lincoln while my kid's car was towed.
On a related note, how in the hell can ObamaCare pretend to demand that every soul in America purchase health insurance (and enforce that) when we can't even guarantee that some scumbag in Louisiana has the barest minimum of car insurance?
Meanwhile, I have to rely on my "uninsured motorist" coverage to settle on my kid's car and my own rates will likely go up because of it, all for an accident that was absolutely not his fault and was totally the fault of some con-artist scumbag.