I need to get new car insurance

Now, how do you think about PA liability law that was enacted sometime in early 21st century that gives insurance companies triple rates for next three years? See, you already a victim of one that abuse insurance system. If the insurance rate triples, it makes it harder for one trying to get liability insurance when register for next vehicles and makes them learn lesson. Its close to like taking drivers license away for a while.

NYS enacted strict mandatory liability law back in early 80's.

CrazyPaul said:
WTF?

Anyway, my car was hit by another driver who showed the insurance card to me and police who didn't file a report because the accident happened on a parking lot at a shopping plaza. Then I reported it to my ins co who later told me that the driver's policy was cancelled.

I decided to stop by his house and the driver's brother who answered the door explained to me that the policy was his, not the driver's and he cancelled it after he sold the car to the driver (his brother). The brother apologized but the driver didn't.

I was pissed off but fortunately my ins covered my car damage, even though I didn't pay for uninsured motorists coverage so a few days later I called my co to see if they contacted the driver and planned to sue him. They said that it's none of my business. Interesting.

BTW, every driver should have at least a liability coverage. If a driver bought a new car through car loan, a full coverage is required by a loan company anyway.
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diehardbiker said:
Now, how do you think about PA liability law that was enacted sometime in early 21st century that gives insurance companies triple rates for next three years? See, you already a victim of one that abuse insurance system. If the insurance rate triples, it makes it harder for one trying to get liability insurance when register for next vehicles and makes them learn lesson. Its close to like taking drivers license away for a while.

NYS enacted strict mandatory liability law back in early 80's.
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Well, I think that my ins co would inform DMV about that uninsured driver and DMV might fine him. Who knows? My ins co won't tell me anything about it because it was between the co and him. As for triple rates, it's still unreasonable, IMO.
 
Foxrac said:
Not all, some states like NH doesn't require any insurance to drive.

but watch out for drivers to sue in the court due to uninsured drivers.
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That's just scary.

In Canada all vehicles must be insured - period and proof of insurance is posted onto the license plate (in fact even if you are insured, it proof of insurance isn't posted to your license plate you can be ticketed and fined for that alone.)

Not having insurance is just stupid. (and if you can't afford it, you need to find other transportation)
 
Here's the New Hampshire requirement:

New Hampshire Motor Vehicle Laws do not require you to carry Auto Insurance, but
you must be able to demonstrate that you are able to provide sufficient funds to
meet New Hampshire Motor Vehicle Financial Responsibility Requirements in the
event of an “at-fault” accident. If you are unable to meet these requirements your
driving privileges in New Hampshire may be suspended. For more information on
financial responsibility requirements you can refer to New Hampshire Statute RSA
264 or contact the New Hampshire Division of Motor Vehicles at 603-271-3101 or
www.nh.gov/safety/dmv.

http://www.nh.gov/insurance/consumers/documents/nh_auto_guide.pdf

Also:

Relief of Filing Proof of Insurance/SR-22

In order to learn if you can be relieved of filing proof of insurance, you should contact the Bureau of Financial Responsibility and request that your record be reviewed. Your record will then be reviewed and a determination will be made as to whether the filing period has been met or must be extended.

If, as the result of the review process, it is determined that any of the subsequent activities/conditions outlined in Saf-C 207.12 exist, the filing period shall be extended.

If eligible, you will receive a formal Notice of Relief of Filing from the Division of Motor Vehicles. Regarding notice to your insurance provider, as indicated in Saf-C 207.12, once you have been relieved of filing proof of insurance, you will be provided a formal Notice of Relief of Filing. Your insurance provider/company will also be forwarded notice of the relief of filing via the mail; however, once you have received your formal Notice of Relief of Filing, we encourage you to contact your insurance provider/agent directly.

http://www.nh.gov/safety/divisions/dmv/financial-responsibility/insurance.htm#filing-period

:confused:
 
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