Author Topic: need help with car insurance in california  (Read 1086 times)

Offline guncrasher

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need help with car insurance in california
« on: March 12, 2012, 08:08:24 PM »
here's the problem:


my gf just got her second dui just last month.  it hasnt been reported yet, her licence is currently suspended because she cant get an sr22.  anybody out here in southern ca know of a company that will be not so expensive.  she also has about 4 accidents in the past 3 years.  she needs fulll coverage on an 04 chevy trailblazer with about 60k that is driven less than 7k a year.  well less now  :rofl.

any brokers out there?


semp
you dont want me to ho, dont point your plane at me.

Offline Golfer

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Re: need help with car insurance in california
« Reply #1 on: March 12, 2012, 08:20:18 PM »
Sell the truck and get her a bus pass.

I don't even want to take a guess at what those premiums will be when she gets her license back. She's going to lose it anyway for a mandatory period of time, right?  12 months?  Sell the car and save up for insurance when she can drive again.

Really, that's my best suggestion.

Offline coombz

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Re: need help with car insurance in california
« Reply #2 on: March 12, 2012, 08:22:09 PM »
second DUI huh?

sounds like a real classy lady
Did you see my dad on dogfights yet?
I'll be seeing you face to face possibly next month.

Offline Golfer

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Re: need help with car insurance in california
« Reply #3 on: March 12, 2012, 08:23:42 PM »
That's uncalled for.

How does CA categorize their offenses?  If she blew over whatever the threshold is, especially on her second offense, she's losing her license for a while.  What's the longer term plan?

Offline coombz

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Re: need help with car insurance in california
« Reply #4 on: March 12, 2012, 08:33:43 PM »
That's uncalled for.

DUI re-offenders = scum    

Is that uncalled for too?  :cry  I can (and have) forgive someone for one offense...even if it was just the one time they actually got caught, and not the only time they drove under the influence :rolleyes:

I think higher insurance premiums are a small price to pay, when you consider that the cost could have been someone's (or many someones) life or well-being

« Last Edit: March 12, 2012, 09:14:43 PM by coombz »
Did you see my dad on dogfights yet?
I'll be seeing you face to face possibly next month.

Offline Golfer

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Re: need help with car insurance in california
« Reply #5 on: March 12, 2012, 08:48:43 PM »
I have no tolerance for DUI but whats done is done.

My advice is get her out of a car because she doesn't belong there. Not to be a jerk to a guy I don't know about his girl.

Offline eagl

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Re: need help with car insurance in california
« Reply #6 on: March 12, 2012, 08:51:14 PM »
Nike and Schwinn are pretty cheap for insurance.

If she has a 2nd DUI, why the bleeping heck are you trying to keep her on the road?  You like helping sociopaths?

Really.  Not joking.  She can walk or ride a bike to the bus stop like millions of other people.  No sympathy here since she's proven herself to not only be stupid, but also an active threat to society in general and to people like me and my family specifically.
Everyone I know, goes away, in the end.

Offline eagl

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Re: need help with car insurance in california
« Reply #7 on: March 12, 2012, 09:01:44 PM »
Golfer - if it was once, then ok maybe (MAYBE) it was bad luck.  Twice is either criminal stupidity or sociopathic abberation.

Sorry, I have no sympathy whatsoever for repeat DUI offenders regardless of how "barely" over they may have been.  In fact, actively hostile antipathy is about the calmest way to describe what I think about repeat DUI offenders.

Maybe too many of my friends lived through 3 wars only to be brutally killed by drunks, to consider drunk drivers to be anything but a threat to be eliminated.  Surviving combat only to face such an everpresent hostile threat at home is a pretty common theme among my peers, and maybe the training kicks in just a bit.  That might be the easiest way to explain why I feel more hostility towards drunk drivers than I do towards nearly all of the dirt poor and hopelessly uneducated foot soldiers we slaughtered by the thousands in 2 Iraq invasions.  Most of those poor Iraqis didn't do anything wrong and just wanted to go home, stone cold sober.  A drunk on his way home from *whatever* is a bigger threat to me, my family, and my friends, than that poor Iraqi foot soldier ever could have been, and the drunk put him/herself in that situation through their own voluntary choices.

I don't feel any compulsion to be nice about it, and being a jerk about it is both the least I can do and the most I *should* do, given my opinions and feelings on the subject.
Everyone I know, goes away, in the end.

Offline eagl

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Re: need help with car insurance in california
« Reply #8 on: March 12, 2012, 09:08:52 PM »
guncrasher,

To be more helpful, she might simply want to continue driving without any insurance.  Thousands of people do it (including a great number of illegal immigrants) and as long as they don't get into accidents pretty much nothing ever happens to them.  They simply have to drive someone else's car if their state requires proof of insurance to be registered and they can't figure out how to fake/steal current registration tags or plates.

If she gets caught, no big deal it's just a fine and they take her license... again.  The other guy will have uninsured motorist coverage on his own policy so even in a wreck the other guy isn't going to be left uncompensated.  If she's worried that it will make her a criminal, she should stop worrying because the repeat DUIs made her a criminal, and once you head down that road you either fix your life or continue being a criminal. 

So... either quit driving until her drinking problem is solved (and she can prove it to the state and insurance company that she deserves to be allowed to drive) or continue driving without insurance and try really hard to not get caught.  Some of the best drivers on the road are uninsured because they can't afford to get caught...  I've been asked for my insurance just TWICE in the 24 years I've been driving, and in that 24 years I've spent on insurance roughly 10-15 times the amount I would have paid in uninsured motorist fines.  So if she quits driving drunk and doesn't get caught, the odds are pretty good that she could get away with it.

Everyone I know, goes away, in the end.

Offline guncrasher

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Re: need help with car insurance in california
« Reply #9 on: March 12, 2012, 09:24:57 PM »
keep your stupid opinions to yourselves.  you dont know the full story.  and by the way the first dui, i called the police and followed her to make sure she got caught.

I ask opinion about insurance.  not about your feelings about dui.  If I thought she is gonna drive drunk again.  I'll follow her myself and call the police again and have her spend time in jail like last time. or hide the keys like I always do.  but she does need to drive herself to aa meetings and I cant take her all the time if you must know.  the last dui happened when her father died of cancer while dealing with her brother's chemo.  she has a good chance of having cancer herself and she's scared of it.  that's why she relapsed.  but I guess all of you guys are tougher than her, right?  or perhaps you are just too quick to play an idiot.

as an alcoholic myself I know it is tough to quit. but that is another story. anyway if you feel you must say what a lowlife she is, guess what she isnt.  I dont wish on any of you what happened to her when she was a young girl and try to deal with it for the next 30+ years.  along with losing a father, perhaps a brother or being scare crappless to have cancer yourself.

and for that idiot that says she must be a classy lady, I'll tell you something, she is.  but she has an illness that she's working on and for as long as she tries I will stand by her.

so if you know about insurance then please post otherwise go to hell.


semp

you dont want me to ho, dont point your plane at me.

Offline Golfer

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Re: need help with car insurance in california
« Reply #10 on: March 12, 2012, 09:27:36 PM »
That's ridiculous "advice."

A friend of mine was damn near killed by an uninsured motorist, illegal alien at that. Over a million dollars in hospital bills, untold physical hardship and award winning perseverance to go along with two lifetimes of luck mean she still has a first class medical today.

A longtime childhood friend was killed by a drunk.  His hasn't been the only funeral I've been to over drinking and I've talked the troopers to a drunk driver on the roads several times. I get it.

I've also been in guncrashers shoes. Someone I knew got picked up just after her husband died of cancer. I didn't forgive the mistake but I've seen someone sorry for it and can have a little empathy for GC in his situation.  It's not my place to say DTB or lecture him.

I'm giving my advice. Sell her car. She doesn't need it.

Suggesting to drive without insurance is just as asinine. It's not MY job to cover what her mistakes are going to cost. F that.

Offline guncrasher

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Re: need help with car insurance in california
« Reply #11 on: March 12, 2012, 09:29:24 PM »
second DUI huh?

sounds like a real classy lady

what do you know about class when you have none yourself.


semp
you dont want me to ho, dont point your plane at me.

Offline coombz

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Re: need help with car insurance in california
« Reply #12 on: March 12, 2012, 09:35:05 PM »
that is a truly tragic story...father dead...brother in chemo...multiple DUI offender bravely carrying on while suffering from an illness...two alcoholics struggling to help one another beat their addictions...a long search to find cheap insurance coverage so they can keep the SUV on the road



they should make a movie about it some day
Did you see my dad on dogfights yet?
I'll be seeing you face to face possibly next month.

Offline guncrasher

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Re: need help with car insurance in california
« Reply #13 on: March 12, 2012, 09:38:17 PM »
that is a truly tragic story...father dead...brother in chemo...multiple DUI offender bravely carrying on while suffering from an illness...two alcoholics struggling to help one another beat their addictions...a long search to find cheap insurance coverage so they can keep the SUV on the road (Image removed from quote.)



they should make a movie about it some day (Image removed from quote.)


and you can go fruck yourself coombz.  you pos.


semp
you dont want me to ho, dont point your plane at me.

Offline coombz

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Re: need help with car insurance in california
« Reply #14 on: March 12, 2012, 09:43:15 PM »
have another drink mate
Did you see my dad on dogfights yet?
I'll be seeing you face to face possibly next month.